Inc.

PRIVACY POLICY

 

This Privacy Policy ("Policy") covers Fyinance, Inc. (“Fyinance”). This entity may be referred to as "we," "us," and "our" throughout this Policy.

Privacy is our priority. We are committed to maintaining the privacy and confidentiality of our customers' personal information. In the course of offering and providing financial products and services, we collect and maintain certain personal information. This Policy explains what personal information we collect and how we use and share such personal information. It also explains what you can do to limit the use and sharing of your personal information.

We do not disclose personal information about our customers to non-affiliated third parties, except as described below.

 

What types of information do we collect?

 

 When you apply for, open, or maintain an account with us, or when you agree to allow us to provide device subscription services, or apply for a financial product or service, we may collect the following types of information:

   Information you provide online and on applications or other forms, such as your name, address, Social Security number, date of birth, income, employment information and information about your personal investment goals or objectives;

Information about you from consumer reporting agencies and other third parties, such as your credit score;

Information you provide us about your external financial accounts in order for us to provide you with special product and service features; and

Technical, navigational and other information transferred when visiting our websites or using our mobile applications, such as IP address, device type and browser type.

In addition, we may compile aggregate, anonymous or de-identified data from various sources, including but not limited to accounts and transactions. This data, which we may use for our business purposes consistent with applicable law, does not identify individual customers.

 

 

 

Why do we collect personal information? 

 

We collect and use personal information for the purposes that we have disclosed to you in this Policy or at the time of collection, except as otherwise permitted or required by law. We may use or disclose personal information about you to service, maintain and protect your account; to process transactions in your account; to respond to inquiries from you or your representative; to develop, offer, and deliver products and services; to improve our business and your experience; to fulfill legal and regulatory requirements and requests; and to protect our property, including our information technology infrastructure.

We may collect personal information from you when you visit our websites or participate in a promotion, contest or survey (including online or via telephone). We may use this information to advise you of products and services, and to provide other marketing materials which may be of interest to you. We may also invite you to participate in market research, surveys and similar activities.

When do we disclose personal information and to what types of entities do we disclose personal information? 

We may disclose personal information we collect, such as the categories described above, to make our financial products and services, as well as those offered by our service providers, or third party companies, available to you. We may also use and disclose personal information as authorized by you. If you decide to withhold certain information, it may limit our ability to provide you with the services or products you requested or that may be of interest to you. 

We may disclose your personal information to the following entities:

companies that service, maintain, or process your transactions and accounts (e.g., companies that provide administrative, telecommunications, computer, trade execution, payment and securities clearing services, and that prepare and mail account statements and transaction confirmations and other services in connection with the operation of our business);

 

non-affiliated third parties as permitted or required by law, or to cooperate with government agencies or regulators, (including for tax purposes), securities exchanges, self-regulatory bodies (such as FINRA) and law enforcement officials (e.g., for reporting suspicious activity or transactions);

 

non-affiliated companies in order to protect against actual or potential fraud or unauthorized transactions, and to protect the security of our records and systems, unless prohibited by law;

-    non-affiliated third parties for marketing, sales, or data collection purposes;

Service providers to whom we disclose personal information must agree to contractual requirements consistent with our privacy and security policies. We prohibit our service providers from using personal information except for the specific purpose for which we provide it to them, and we require them to comply with legal obligations applicable to the personal information at issue.

We will request your consent before we use or disclose your personal information for a materially different purpose than those set forth in this Policy. Consent may be obtained by any legally sufficient method. For example, depending on the circumstances and applicable laws, consent may be obtained by providing you with notice and the opportunity to opt-out.

Unless you opt-out using the instructions following below, your express consent is given to share your information as detailed in this notice. 

How may you limit the sharing of your personal information? 

You may limit or "opt-out" of our sharing your personal information with non-affiliated third parties for their purposes. 

You may also opt-out of our sharing certain personal information (e.g., information other than your transactions and experiences with us, such as your credit report) among our affiliated companies. 

You may change your opt-out status at any time. For consumers with joint accounts, an opt-out direction by one joint account holder will be treated as applying to all of the associated joint account holders.

 

Where do we store personal information? 

 

The personal information that we collect from you will be stored in the United States and other countries that may have different privacy laws and standards than those in your country of residence. Your personal information may be transferred to or processed in the United States by us or by a third party service provider working for us. By submitting personal information via our website or other means, you agree to such storage, transfers and processing.

Some or all of your personal information provided to third party service providers may be held in countries other than your own, including in particular the United States. You acknowledge and understand that the protection of your personal information will be subject to the applicable laws of each such jurisdiction, which may not provide for the same protection as your country of residence. For example, government entities in the United States and other countries may have certain rights to access your personal information. If you have questions about our policies and practices with respect to service providers outside your jurisdiction, including the collection, use, disclosure, or storage of such personal information by our service providers worldwide, and you are entitled by applicable law to be provided this information, you may contact us by writing us at our corporate headquarters listed as registered with the California Secretary of State.  Please provide your first and last name and street address in your request.

How do we protect the confidentiality and security of personal information? 

We maintain reasonable physical, electronic, and procedural safeguards to protect your personal information. Our employees and third party service providers have access to your personal information only on a "need to know" basis. We conduct regular internal audits of our business practices and procedures in order to protect your personal information.

 

In addition to our security measures, you can also take steps to maximize your security online and to protect your confidential information. 

 

Children’s Privacy

 

Our Online Services are not directed at, or intended for use by, children under the age of 18. We do not knowingly allow anyone under 18 to provide any personal information on our websites. Children should always get permission from a parent or guardian before sending personal information over the Internet. If you believe your child may have provided us with personal information, contact us and we will delete the information. You can find more information about protecting children’s privacy by contacting the FTC or viewing its website at http://www.ftc.gov.

What should I know about tracking technologies, "interest-based advertising" and "do not track"? Tracking technologies

We and our third-party service providers may collect and store certain information when you visit or interact with our website ("Usage Information"). This Usage Information may be stored or accessed using tracking technologies such as "cookies" and "web beacons" that may be downloaded to your personal computer, tablet, mobile phone or other device ("Device") when you visit or interact with our website. Usage Information may include but is not limited to:

IP address, UDID or other unique device identifier, a number that is automatically assigned to your Device and used by us to identify your Device;

    Device functionality and characteristics (including browser, operating system, hardware, and mobile network information);

    the URL that referred you to our website;

    the areas within our website that you visit and your activities, including remembering your preferences; and

    Device location.

"Cookies" are small amounts of data that a website can send to your web browser and store on your computer. Cookies do not contain personal information (unless you knowingly provide it). We use both HTML cookies and Local Shared Objects (sometimes referred to as Flash cookies) that are built for use with the Adobe® Flash® Player for authentication purposes and to enhance navigation and website functionality. If you access your account online, cookies may be used to verify your identity, to authenticate you as a user on our system and to personalize aspects of your experience on our website. We also use cookies to let us know how our customers and other visitors are using our website so that we can optimize their experience. We permit certain third party advertising providers to set cookies and use related technology such as web beacons or "clear GIFs" through our website and other websites on which we advertise, and via HTML email messages, to track performance of advertisements and to collect aggregate data on web page viewing.

 

Most web browsers can be set to notify you when an HTML cookie is placed on your computer. You can manually delete HTML cookies and set most browsers to refuse to accept HTML cookies, although doing so may affect your website experience. Flash cookies may be removed by managing your Adobe® Flash® Player settings. To delete or prevent placement of Flash cookies, you will need to visit the Adobe® Flash® Player Help site at www.adobe.com/go/settingsmanager, click on the hyperlink for "Website Privacy Settings Panel" on the left side of the screen, and follow the instructions for preventing third party Flash content from storing data on your computer.

Additional information about tracking technologies can be found on our website. Visit the Security Center link on our website and select Information about Tracking Technologies.

 

Interest-based advertising

 

We use "interest-based" ads, which are also known as "online behavioral advertising." We may partner with ad networks and other advertising providers ("Advertising Providers") who serve ads on behalf of us and others on non-affiliated sites. Some of these third parties may use cookies and other technologies to collect information about your online activities over time and across third party websites or online services to deliver advertising based on your interests and preferences, as inferred from your browsing history. Some of these ads may be personalized, meaning that they are intended to be relevant to you based on information that Fyinance Inc. and its Advertising Providers collect about your visits to this site and elsewhere over time.

To learn more about this type of advertising and how to opt-out of this form of advertising, you may either visit www.aboutads.info to opt-out of sites and services participating in the Digital Advertising Alliance ("DAA") self-regulatory program or visit www.networkadvertising.org/choices/ to opt-out of this form of advertising by members of the Network Advertising Initiative ("NAI"). Note that electing to opt-out will not stop advertising from appearing in your browser or applications, although it may make the ads you see less relevant to your interests. In addition, if you use a different browser or erase cookies from your browser, you may need to renew your opt-out choice.

 

Do Not Track

 

Various third parties are developing or have developed signals or other mechanisms for the expression of consumer choice regarding the collection of information about an individual consumer's online activities over time and across third party web sites or online services (e.g., browser "do not track" signals). Because a "Do Not Track" protocol has not been finalized, the information collection and disclosure practices of our website, and the choices that our website provides to consumers, will continue to operate as described in this Policy, whether or not a Do Not Track signal is received. Currently, we do not monitor or take any action with respect to these signals or other similar mechanisms.

 

How can customers access and update or correct their personal information? 

 

As a customer, you may access and update some of your personal information. You may log on to our website using your user name and password and, from the home page, click on My Profile just under the Accounts tab and select the information you want to change.

We make reasonable efforts to maintain your personal information in an accurate, complete and up-to-date form. If you believe that your personal information is inaccurate, incomplete, or out-of-date, you may request a correction. Or, where entitled by applicable law, you may request access to your personal information by sending a written letter to the corporate address listed with the California Secretary of State for Fyinance Inc. Please include your first and last name and street address in your request. You may also update your information by calling or writing us using the contact information provided below. We will process your request in compliance with local laws and our policies and procedures. Please note that before we are able to provide you with any information or correct any inaccuracies, we may ask you for additional information to verify your identity.

Under certain circumstances, we may be unable to provide access to all of your personal information. We may deny or restrict access or deny your request to change your personal information for legally permissible reasons, such as situations where the information contains references to other individuals and is not reasonably severable; where it cannot be disclosed for legal, security, or commercial proprietary reasons; or where we have your personal information in our capacity as a third party administrative record keeper. We will advise you of any reason for denying or restricting an access request to the extent permitted by law, rule, or regulation.

 

Updates to this Policy 

 

We may update this Policy from time to time, and will review it at least annually. We encourage you to periodically check back to this Policy to learn about updates to our privacy practices.

Notice to California residents California law requires that we obtain your affirmative consent or provide you with an opportunity to opt-out before we share your non-public personal information with non-affiliated third party companies for their own marketing purposes. You NEED to opt out, following the instructions listed below, otherwise we reserve the right to actively share your personal information with non-affiliated third parties for their marketing purposes.

 

California law gives you the right to opt-out of the sharing of your personal information for joint marketing with other financial companies. To limit these marketing offers, please contact us at the address or applicable phone number provided below.

To limit the sharing of your personal information

If you wish to opt-out of our sharing your personal information with affiliates or third parties for marketing purposes, or any other purpose listed above please contact us by mail:

E 1st St Po Box 491 Tustin Ca 92781. 

Please include your name, address, and any other membership identifying information available, along with a statement expressing your desire to opt out. 

For questions regarding our Privacy Statement, please visit the Contact Us page on our website.

 

 

© 2019 Fyinance Inc. All rights reserved. Last Updated: 09/1/2017. 

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