Privacy Policy

Privacy policy

Welcome to FairFigure, LLC ("we" or "us"). We want to ensure that you are aware of the information we collect about you, how we use it, and the choices available to you regarding the collection and utilization of this information. This Privacy Policy (referred to as the "Policy") outlines our procedures concerning the information gathered through our websites, collectively known as the "Site." We invite you to take a moment to read through this Policy and recommend you to reach out to us at [email protected] if you have any questions.

Your use of the Site implies your agreement with the terms set forth in this Policy. If you do not consent to these terms, please refrain from using the Site. Please note that we retain the right to modify this Policy without prior notice. You commit to receiving electronic annual notifications and updates to this Policy by visiting this Site. The "Last Revised" date at the bottom of this page indicates when this Policy was last updated. Any modifications to our Policy will be effective upon posting the revised Policy on the Site. Your continued use of the Site after such modifications constitutes your acknowledgment of the then-current Policy. Thus, we recommend checking this Site periodically for any updates to our Policy.

TYPES OF INFORMATION WE COLLECT ABOUT YOU

We gather both personal and non-personal information through the Site. Personal information pertains to data that identifies you as an individual, while non-personal information includes compiled data, demographic information, IP addresses, and any other details that do not disclose your specific identity.

Personal Information:

We may gather the following types of personal information related to your profile:

Information provided by you when ordering credit-related products through the Site. This may include your name, address, social security number, date of birth, telephone number, and email address.

Information from third-party data providers, including consumer credit information, when fulfilling information requests made by you while ordering credit-related products through the Site.

When making a purchase through the Site, we may collect Payment Information such as your credit card number, billing address, and other related details.

Information provided through customer service correspondence and general feedback.

Bank account and transaction information provided by you directly or through a third-party data provider.

Other information used for identity verification, such as city of birth and mother’s maiden name.

We do not allow third parties to collect personally identifiable information (PII) about a user’s online activities without permission. PII collected with your consent can be accessed, reviewed, and deleted upon your request.

Non-Personal Information:

When you visit the Site, we may collect non-personal information, including a catalog of the Site pages you visit. This type of information is generally sourced from server log files, environmental variables, cookies, pixel tags, and other similar technologies, as well as information voluntarily provided by you.

Server Log Files: Your IP address, along with the time(s) of your visit(s) and the page(s) you visited, is automatically logged in our server log files. We use this information for purposes such as calculating Site usage levels and diagnosing server issues.

Environmental Variables: Information such as computer type, screen resolution, OS version, Internet browser, and browser version may be collected to optimize your Site experience.

Cookies and Similar Technologies: "Cookies" or similar technologies may be used to transfer data to your computer for record-keeping purposes. You can manage your cookie preferences through your browser settings.

Pixel Tags: Pixel Tags may be used on Site pages and HTML-formatted email messages to compile aggregate statistics about Site usage and response rates.

Information voluntarily provided by you, such as geographic location, is also collected and considered non-personal when not combined with personal information. Aggregate personal information that does not identify specific users is treated as non-personal information.

If you are in the United States, we may use Plaid, Inc. to connect your FairFigure account with your bank account, verify it, and confirm your bank account balance. Plaid handles shared information in accordance with its Privacy Policy, available at Plaid Privacy Policy.

UTILIZATION OF COLLECTED INFORMATION

Personal Information:

We employ the personal information we gather in the following ways:

Completion of Requests: Utilizing the personal information collected, we aim to provide you with requested products, services, or information. This may involve sharing your details with affiliates and business partners to offer specific commercial finance products like credit cards and loans.

Operational Notifications: Periodically, we may use personal information to communicate essential information about the Site, including updates to our terms, conditions, and policies. As this information is crucial for your Site usage, opting out of these communications may not be possible.

Other Notifications: We may employ personal information to apprise you of products, programs, services, and promotions that we believe align with your interests. If you wish to avoid receiving such email marketing messages, please refer to the "Your Choices" section below.

Transaction processing: Personal information, including Payment Information, may be utilized to fulfill your purchase requirements.

Internal Business Functions: Personal information may be used for internal business functions like data analysis and audits. Additionally, it may aid us in providing targeted promotions to our customers.

FairFigure Marketing and Third Parties: We might share or provide anonymous or aggregate information, which cannot personally identify you, with third parties for research, marketing, and promotional objectives. This information may also be shared with users of our services for community-wise comparison of their business financial situations.

Non-Personal Information:

Given that non-personal information does not identify you personally, we retain the freedom to use it for any purpose. Moreover, we retain the right to disclose such non-personal information to other third parties for various purposes.

Banking and Transaction Details:

You acknowledge and consent to FairFigure's utilization of banking and transaction information provided by you, either directly or through a third party like Plaid, for lawful purposes.

In certain cases, we may merge non-personal information with personal information. If this combination renders non-personal information personally identifiable, we will treat the amalgamated information as personal information, ensuring its integrity and quality. Additionally, we, along with our affiliates and marketing partners, may enhance or merge personal information with data from other sources for direct and/or online marketing, subject to legal permissions. In such cases, we take reasonable steps to uphold the integrity and quality of the information.

DO WE SHARE INFORMATION WITH THIRD PARTIES

We might share information about you with affiliated and non-affiliated third parties.

Service Providers: We engage third parties to provide services, including data analysis, order fulfillment, list enhancement, and other administrative services. We may disclose personal information to these third parties to enable them to provide services to us, such as marketing distribution, email list management, advertising, product functionalities, customer support, web hosting, customer data management, fulfillment services, research, surveys, data analysis, and email service.

Affiliates: We may share the information we collect with our affiliated companies to provide the requested products, enhance our products to better meet your needs, and occasionally for marketing purposes.

Assignment: In the event of any reorganization, merger, sale, joint venture, assignment, transfer, or other disposition of all or any part of our business, assets, or stock, we reserve the right to transfer any and all information collected from Site users to an affiliate or a third party, including in connection with bankruptcy or similar proceedings.

Business Partners: We may collaborate with other companies to offer you products or services or fulfill the products or services you order. For the purposes outlined in this Policy, we may disclose personal information and/or non-personal or de-identified information collected about you to these third-party partners.

Aggregate, Non-Personal, or De-identified Information: We may share aggregated information (i.e., information about you and other customers collectively, but not specifically identifiable to you) and other non-personal, de-identified, or anonymous information collected with third parties, including affiliates, to develop and deliver targeted advertising on our Site and on third-party websites. If you prefer that we do not use cookies during your website experience or want to limit their use with network advertising partners, please refer to the “Your Choices” section below.

Law Enforcement, Emergencies, Compliance, and Other Legal Purposes: Despite any other provision of this Policy, we may disclose personal information to others as deemed appropriate: (a) to comply with legal processes; (b) to respond to governmental requests; (c) to enforce our Terms of Use; (d) to protect the rights, privacy, safety, or property of FairFigure, LLC, our affiliated companies, you, or others; (e) to enable us to pursue available remedies or limit potential damages; and (f) for any other purpose permitted by applicable law.

YOUR OPTIONS

You have various options for managing your information, staying informed about new offers, or learning about products provided by us, our partners, or affiliates. If you prefer not to receive product offers from us, our partners, or affiliates, you can opt out using the following methods:

Email: If you no longer want to receive emails from us regarding offers and promotions, you can unsubscribe by clicking the unsubscribe link in an email or by reaching out to us at [email protected].

Cookies and 'Do Not Track' Signals: If you don't want information collected through cookies, most browsers offer a straightforward procedure to automatically reject cookies or to choose whether to decline or accept a particular cookie or cookies from a specific website. Currently, we do not respond to 'do not track' signals from browsers.

Updating Information: You can make corrections or updates to your information, including your email address, phone number, mailing address, credit card information, or password reminder phrase, through the settings section of your account on the Site. For other corrections or updates to your information, you can check out the CreditCorrect product available in your dashboard. To ensure security, our customer care representatives may request supporting documents before making any changes or updates to your subscription information.

We will make every effort to fulfill your request as soon as reasonably possible. Please be aware that if you choose to opt out as explained above, we may not be able to eliminate personal information about you from the databases of third parties to whom we have already disclosed personal information as of the date we implement your opt-out request. If you want to stop receiving marketing-related emails from third parties, please reach out to those third parties directly or use any opt-out mechanisms outlined in their respective privacy policies or marketing-related emails.

HOW WE SAFEGUARD YOUR INFORMATION

We employ security measures and tools, including firewalls, to mitigate the risk of loss, misuse, and alteration of the information within our control. However, it's important to note that no data transmission over the Internet or data storage system can be guaranteed to be 100% secure. If you suspect that your interaction with us is no longer secure, such as if you believe the security of any account you have with us has been compromised, please promptly notify us of the issue. You can contact us according to the information provided in the "Contact Us" section below. If you choose to notify us via physical mail, please be aware that it may delay our response to the problem.

LINKS

The Site may include links to websites operated by third parties. We do not have control over these linked sites and are not responsible for their privacy practices or the content they contain. The inclusion of a link on the Site is for convenience only and does not imply our endorsement of the linked site. If you provide personal information through any third-party website linked on our Site, your transaction will take place on the third party's website (not on our Site), and the personal information you provide will be collected and governed by the privacy policy of that third party. We recommend acquainting yourself with the privacy policies and practices of any third parties. KINDLY BE AWARE THAT THIS POLICY DOES NOT COVER THE PRIVACY OR INFORMATION PRACTICES OF ANY THIRD PARTIES.

LOCATION

We manage and operate the Site from the United States, and it is not designed to subject us to the laws or jurisdiction of any state, country, or territory other than that of the United States. We do not assert that the Site or any part of it is suitable or available for use in any specific jurisdiction. Users who decide to access the Site do so at their own initiative and risk, assuming responsibility for compliance with all local laws, rules, and regulations. We reserve the right, at our sole discretion, to limit the availability of the Site, either wholly or partially, to any person, geographic area, or jurisdiction, at any time.

CALIFORNIA PRIVACY RIGHTS

The CCPA grants specific rights to California residents concerning their personal information. This notice outlines those rights, providing information on their exercise, and includes details about the collection, use, disclosure, and sale of personal information, along with consumer rights regarding their personal data.

FairFigure affirms that it does not sell personal information, as defined by the CCPA, to any party. Information shared with FairFigure is utilized for business purposes. The CCPA specifies various categories allowing the use of personal information for business purposes, including auditing, security, debugging/repair, short-term uses, performing services, internal research, technology development, quality and safety maintenance, and verification. FairFigure utilizes identifiable information falling within these categories for business purposes. The following categories of personal information collected about consumers have been disclosed under a business purpose within the past twelve (12) months:

Identifiers: Real name, postal address, email address, account information, online identifier, IP address, Social Security number, personal preferences and attributes via cookies, or other similar identifiers.

Information from third-party data providers: Consumer credit information when fulfilling information requests related to credit-related products ordered through the site.

Other information provided by you: Details such as the city of birth and mother’s maiden name, used for identity verification in case of forgotten login information, including information provided through customer service correspondence and general feedback.

For details on how FairFigure uses your personal information, please refer to the "UTILIZATION OF COLLECTED INFORMATION" section in FairFigure’s Privacy Policy.

Right to Request and Right to Deletion:

To exercise your CCPA rights, submit a verifiable request to [email protected]. Note that legal exceptions, such as the necessity of personal information for transaction completion or legal compliance, may apply, and FairFigure may claim exemptions for certain requests based on CCPA regulations.

Right to Non-Discrimination:

FairFigure assures that no discrimination will occur for exercising CCPA rights. However, some services directly related to information collection may not be available if CCPA rights have been exercised, as permitted by the CCPA.

A SPECIAL NOTE REGARDING INDIVIDUALS UNDER 18 YEARS OLD

The Site is not directed towards individuals under the age of eighteen (18), and we request that such individuals refrain from providing personal information through the Site. If you are under 18 years old, you may browse our Site; however, you may not provide us with personal information, such as your name, address, or email address, and you may not register, enroll, or make product purchases.

Additional Data Disclosure

We partner with Microsoft Clarity and Microsoft Advertising to capture how you use and interact with our website through behavioral metrics, heatmaps, and session replay to improve and market our products/services. Website usage data is captured using first and third-party cookies and other tracking technologies to determine the popularity of products/services and online activity. Additionally, we use this information for site optimization, fraud/security purposes, and advertising. For more information about how Microsoft collects and uses your data, visit the Microsoft Privacy Statement

CONTACTING US

For inquiries about this Policy, please reach out to us at [email protected]. Please be aware that email communications may not be entirely secure; therefore, refrain from including credit card information or other sensitive details in your email correspondence with us.