Lift Credit, LLC

Privacy Policy

Welcome to Lift Credit! We at Lift Credit, LLC (“Company,” “we,” “our,” or “us”) value your privacy as much as we value our own. It’s our policy to respect your privacy when it comes to all information we might process while operating our website, web applications, loan services, or other services (“Services”). Accordingly, we developed this privacy policy (“Privacy Policy”) for all users of the Services and others with which we interact (“you” or “your”) to understand how and why we process your personal information.

 

We always seek to improve our Services to you, and that requires that we process information about you and your usage preferences. As we do so, we are absolutely committed to protecting your privacy and the security of your Data.

 

In this Privacy Policy, we use the word “Data” to describe all the information we process that relates to you and your use of our Services. “Data” is broken into different categories, which are defined in the “Data We Process and How We Use It” section of this Privacy Policy. We may refer to the different categories separately, but when we use the word “Data,” we mean all the different categories described in this Privacy Policy. Because of the nature of our Services, the term “Data” also includes the information, including personally identifiable information, sensitive personal information, and nonpublic personal information, you gather, process, and upload to the Services or otherwise provide to us. We rely on your compliance with our Terms of Service or any other agreement you have with us, in which you have an affirmative obligation to only upload information to the Services for which you either own or have express permission or consent.

The term “Data” does not apply to information which does not relate to an identified or identifiable individual or to personal information or data rendered anonymous in such a manner that the individual is not or no longer identifiable (“Anonymized Data”). Anonymized Data may be derived from Data. We hold all rights in and may use Anonymized Data for our own purposes in any manner and without attribution or compensation to any person.

 

This Privacy Policy applies to everybody who interacts with our Services. Because different portions of the Privacy Policy will apply differently to the various groups who interact with us, we have tried to clearly categorize the types of Data we process and how we do so. If you have any questions about this Privacy Policy or how we handle your Data, please email us at [email protected].

 

DESCRIPTION OF SERVICES

We provide online installment loans to residents of Utah, Idaho, Nevada, and Missouri. In this Privacy Policy, all tools and services made available in connection with the Services, including any websites, web applications, tools, and any other services that we provide directly to you, whether now known or developed later, are included in the term “Services.”

 

LAWFUL BASIS FOR PROCESSING

Many jurisdictions require that we disclose to you the lawful basis for our processing of your Data. We do that in the “Data We Process and How We Use It” section and otherwise throughout this Privacy Policy. In general, our lawful basis for processing your Data is based on your specific consent or your contract with us. 

By accessing or using any of the Services, you consent to our processing of your Data as described in this Privacy Policy. If our processing of your Data is based on your consent, you may withdraw your consent at any time, and we will cease processing your Data. However, in some cases, this may result in your inability to receive partial or full access to the Services, and your withdrawal of consent does not limit our ability to use the Anonymized Data for use by us in connection with our legitimate business efforts in the future. In addition, your withdrawal of consent may not prevent us from processing Data if we have processed such Data pursuant to a different lawful basis or to preserve legal claims. For example, if you give your consent for us to process your Data, but we are also required by law to keep your Data, that separate “lawful basis” will still apply, even if you withdraw your consent.

When you enter into an agreement with us, either by accessing the Services, by executing an agreement in hard copy, or by clicking “I Accept” or similar language online or through a mobile application, we will process your Data for the purpose of fulfilling the terms of our contract with you. In that case, our processing of your Data is based on the contract, so your withdrawal of consent will only be effective after the purposes for processing that Data have been fulfilled and after we no longer have a legal obligation to keep that Data.

In all cases, we will comply with applicable law and we will cease processing your Data after the legal right, obligation, or other lawful basis expires.   

 

INTENDED USERS

Primary use of the Services is directed to persons 18 years of age or older. Other than for Data processed for the specific purpose of providing the Services to users, we do not knowingly process Data from users who are under 16. If we become aware that we have processed Data from a person under 16, except to provide the Services to such person, and except to the extent allowed or required by law, then we will attempt to delete such Data as soon as possible, subject to our obligations under applicable law. If you believe that we have processed Data from a person under 16 in contravention of this policy or applicable law, please contact us at [email protected].

 

DATA WE PROCESS AND HOW WE USE IT

Listed below are categories of Data we process when you use our Services. We never sell your Data, and we always have a lawful basis for processing the Data, but that lawful basis might be different for different categories, and we describe those uses below. Regardless, we never process the Data for any purpose other than the purpose for which we processed the Data in the first place, unless we get your prior explicit consent.  

 

A.  Registration Data 

1. Data Description: Registration Data may consist of the name, address, telephone number(s), email address, user image, and other contact information, or other information you provide us using the Services, both when you register your account and thereafter. Registration Data also includes your username, client type, and other applicable registration information, if any. Registration Data also includes information that may be categorizes as sensitive information, such as your social security number, state-issued identification number, bank account information, and employment information (including paycheck stubs and associated information).
2. Lawful Basis for Processing: Our lawful basis for processing Registration Data is our contract with you and your consent. We can only provide certain of the Services to you if we process the Registration Data, so we need to process that Registration Data during the term of our contract. Even when the Registration Data is not critically necessary to the provision of the Services, we may still process that Registration Data to facilitate our contractual interactions with you. 
3. How We Use It and Who We Share It With: Registration Data is accessible generally only to us and to you. In limited circumstances, we may share your Registration Data with our service providers, which parties help us provide the Services and are under obligations to protect the confidentiality of your Registration Data. We use Registration Data to provide the Services to you. At times, we will share the Registration Data with other third parties at your request. We may also process your Registration Data to offer our own goods or services to you, either directly through emails or through third-party platforms, but you may opt out of those communications at any time. We will never share your username or password with any third party without first obtaining your express written permission. Further, we will never sell your sensitive personal information without your written consent.

 

B.  Engagement Data

1. Data Description: Engagement Data consists of all the information you input or record using the Services, except as otherwise stated in this Privacy Policy. Engagement Data includes the content of any text, personal preferences, and other information you input and include in the Services, including in any chat features, such as feedback, comments, questions, video, audio, pictures, etc. Engagement Data may include sensitive personal information, including direct and ancillary bank account information processed during our provision of the Services.
2. Lawful Basis for Processing: Our lawful basis for processing Engagement Data is (1) our contract with you, (2) our obligation to provide you with the Services, and (3) our legitimate interest in improving our Services based on the Engagement Data we receive from you. 
3. How We Use It and Who We Share It With: Your Engagement Data is generally accessible to us, to you, and to limited third parties that we use to provide and improve the Services. If we share your Engagement Data with a third party, that party will be obligated to protect the confidentiality of your Engagement Data. We may also share Engagement Data with other third parties at your request. Both during the term of our agreement with you and thereafter, we may also convert Engagement Data to Anonymized Data, and that Anonymized Data belongs solely to us to use in our sole discretion (including to sell or share Anonymized Data, which is not Data). To the extent we are required to delete any Engagement Data about you, we may still retain Anonymized Data that may have originated as your Engagement Data.

C.  Usage Data

1. Data Description: Usage Data consists of the following and similar information:

·      Information about your interactions with the Services which includes the date and time of any requests you make. This also may include details of any advertising you receive via the Services.

·      Adjustments you make to the default state of the Services, such as custom categories or settings.

·      The timing of the information you post to the Services including messages you send or receive via the Services and your interactions with us, but not including the content of those interactions and messages, which would be included as Engagement Data.

·      Technical data which may include URL information, cookie data, your IP address, the types of devices you are using to access or connect to the Services, unique device IDs, device attributes, network connection type (e.g. WiFi, 4G, LTE, Bluetooth) and provider, network and device performance, browser type, language, information enabling digital, and mouse movements (including scrolling data). Please note, however, that if you disable certain functions, your use of the Services may be limited.

·      Rights management, operating system, and application version.

2. Lawful Basis for Processing: Our lawful basis for processing Payment Data is (1) our contract with you and (2) our legitimate interest in improving our Services based on the Payment Data we receive from you.
3. How We Use It and Who We Share It With: Usage Data is accessible to us, to you, and to limited third parties that we use to provide and improve the Services. If we share your Usage Data with a third party, that party will be obligated to protect the confidentiality of your Usage Data. We may also share Usage Data with other third parties at your specific request. We may use Usage Data to make improvements to the Services. Both during the term of our agreement with you and thereafter, we may also convert Usage Data to Anonymized Data, and that Anonymized Data belongs solely to us to use in our sole discretion (including to sell or share Anonymized Data, which is not Data). To the extent we are required to delete any Usage Data about you, we may still retain Anonymized Data that may have originated as your Usage Data.

D.  Payment Data

1.   Data Description: Payment Data is processed as part of the Services to payback installment loans and associated fees and costs. Payment Data is the information necessary to process your payments for the Services. Payment Data will vary depending on the payment method you use but will likely include information such as:

·       Name;

·       Date of birth;

·       Certain credit or debit card information used to reference a credit or debit card;

·       Bank account information;

·       Address and postal code; and

·       Phone number.

2.   Lawful Basis for Processing: Our lawful basis for processing Payment Data is (1) our contract with you and (2) our legitimate interest in improving our Services based on the Payment Data we receive from you. 

3.   How We Use It and Who We Share It With: We only process Payment Data to facilitate payment, and we only communicate it to those parties who are strictly necessary for that purpose.

SHARING YOUR INFORMATION

Except where a specific limitation is noted above, we may share your Data, including nonpublic personal information as follows:

1. At Your Instruction. If you request us to make your Data available to a third party, and such request furthers the purposes of our Services, we will do so.
2. Sharing with Vendors. In certain cases, we use the services of third-party vendors, to assist us in providing the Services, including but not limited to consumer reporting agencies. We may share your Data with such vendors solely for that purpose, and we will require those parties to abide by our privacy policies or privacy policies substantially in consonance with ours.
3. Third-Party Advertising. We may use information to describe our Services and to establish advertising and other business relationships with third parties. We may serve you with targeted advertisements based on your personal or profile information, but we do not provide any of this personal or profile information to an advertiser or any third party with the exception of those uses expressly disclosed in this policy. However, if you click or view an ad on our Services then you consent to the likelihood that the advertiser will assume that you meet the targeting criteria, if any, used to display such ad, and as described above, you will be subject to the advertiser’s privacy policy and information collection practices (if any).
4. Service Providers. We may use a third party to provide specific Services on our behalf, including sending emails to you, conducting surveys, processing transactions, or performing statistical analysis of our Services. In these cases, we may provide certain personal information, such as your name and email address and other financial information necessary for the service to be provided. However, these third parties are required to maintain the confidentiality of this information and are prohibited from processing this information for any other purposes.
5. Credit Bureaus. As part of providing the Services, we may run a credit report during which process we will disclose your Data to credit bureaus and may periodically report back to credit bureaus.
6. Business Transitions. In the event that we go through a business transition, such as a merger, acquisition, liquidation, or sale of all or a portion of our assets, the information we have about you will, in most instances, be part of the assets transferred. We reserve the right to transfer that information in connection with such transactions without notice to you. We will not be required to obtain your consent for such a transfer.
7. Legal Disclosure. We may disclose your Data if required to do so by law or in the good faith belief that such action is necessary to conform to applicable law, comply with a judicial proceeding, court order or legal process served on us, protect and defend our rights or property, or investigate, prevent or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, or violations of our Terms of Service or other applicable agreement with you.

If we ever plan to process any Data in the future for any other purposes not identified above and we do not have a separate lawful basis for that new purpose for processing, we will only do so after obtaining your specific consent.

Further, we do not sell your Data for any purpose.

TECHNOLOGIES WE USE

The technologies we use for automatic Data processing may include the following:

• Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Services. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Services.
• Web Beacons. Pages of the Services and our emails may contain small electronic files known as web beacons (also referred to as clear gifs. pixel tags and single-pixel gifs) that permit us, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).
• Widgets. We may use technologies such as widgets or APIs to display parts of our Services on sites that are operated by our business partners.
• Other Technologies. We may also use device identifiers, local storage, html modifiers, and different types of caching to help us understand the devices and users who access the Services. Those methods include device identifiers that are either hardware-based or software-based, persistent or non-persistent, and which may identify either a device or a software module within a device (such as a web browser).  

“Do Not Track” Options

Your web browser(s) may offer a “Do Not Track” option, which allows the individual to signal to operators of websites and web applications and services (including behavioral advertising services) that he or she does not wish such operators to track certain of his or her online activities over time and across different websites. We do our best to support Do Not Track requests but cannot guarantee full support based on the variety of internet browsers and technologies which means that we may process information about your online activity both while you are using the Services and after your use of the Services.

YOUR RIGHTS REGARDING YOUR DATA

Under applicable data protection, privacy, and other laws, you may have certain rights related to your access and control of your Data. Such rights may include the following:

1.     The right to access, correct, update, or request deletion of your Data.

2.     The right to object to processing or restrict the processing of your Data (Please note that if you exercise this right, it may limit or eliminate our ability to provide you the Services).

3.     The right to request portability of your Data.

4.     The right to opt-out of marketing communications we send you. You can exercise this right by clicking the “Unsubscribe” or “Opt-Out” link found in these communications.

5.     The right to not be subject to a decision based solely on automated processing, including profiling, known as Automatic Decision Making.

6.     The right to submit a complaint to any applicable regulatory authority about our processing activities.

7.     The right to limit use, disclosure, and restrict sensitive or nonpublic personal information.

We may use additional processes to verify your identity before we reveal or delete any of your Data, including two-factor or two-step authentication measures to ensure we can identify you.

This list may not include all of your rights under applicable laws. If you believe you have additional rights, please contact us using the methods in this Privacy Policy.

Further, although we currently do not process Data without consent, if we at any time in the future process Data without your express consent, you may opt-out or withdraw consent at any time.

Please note that exercising any of the above rights may limit or eliminate our ability to provide you the Services. If so, we may terminate the Services due to such requests.

We will try to comply with your request(s) as soon as reasonably practicable and at the very least as required under applicable law. Upon receipt of your written request, we will provide you with a copy of your information, although in certain limited circumstances we may not be able to make all relevant information available to you, such as where that information also pertains to another user. In such circumstances we will provide reasons for the denial to you upon request.

Please also note that if you do opt-out of receiving marketing-related emails from us, we may still send you messages for administrative or other purposes directly relating to your use of the Services, and you cannot opt-out from receiving those messages while continuing to use the Services.

Further, you may opt-out or disable certain functions on your particular device, preventing us from processing Data. If you disable such features, your ability to use and access the Services may be limited.

To exercise any of these rights, or if you have any questions about our processing of your Data, please contact us at su[email protected] or at our toll-free number: 1-800-223-5858.

We strive to comply with all data protection and privacy laws in applicable jurisdictions, to the extent such laws apply to us and our Services. We strive to be transparent about our data processing activities and have disclosed our practices throughout this Privacy Policy. If you have any questions about your rights under any applicable data protection and privacy laws, please contact us su[email protected] or at our toll-free number: 1-800-223-5858.

SECURITY

The security of your Data is important to us. We use commercially reasonable efforts to process your Data in a secure environment. We take technical, contractual, administrative, and physical security steps designed to protect Data that you provide to us. We have implemented procedures designed to limit the dissemination of your Data to only such designated staff as are reasonably necessary to carry out the stated purposes we have communicated to you. Despite our diligent security efforts, please note that accessing any website or web portal via the internet carries inherent risks. You should also use best efforts to protect access to your computer or device on which you access the Services. By accessing the Services through the internet, you are responsible for maintaining the confidentiality of your Data.

THIRD-PARTY POLICIES

You may be able to access third-party websites and other tools and services or products via a link on our website, mobile application, or via our other tools. The privacy policies of these third parties are not under our control and may differ from ours. The use of any Data that you may provide to any third parties will be governed by the privacy policy of such third party or by your independent agreement with such third party, as the case may be. If you have any doubts about the privacy of the information you are providing to a third party, we recommend that you contact that third party directly for more information or to review its privacy policy.

This Privacy Policy does not address, and we are not responsible for, the privacy, information, or other practices of any third parties, including any third party operating any offering, site, or other products and Services used in connection with the Services. The inclusion of a link does not imply endorsement of the linked site or service by us or by our affiliates.

DATA RETENTION

We will process your Data for as long as it remains necessary for the identified purpose or as required by law, which may extend beyond the termination of our relationship with you. We may retain certain Data as necessary to prevent fraud or future abuse, or for legitimate business purposes, such as analysis of Anonymized Data, account recovery, or if required by law. All retained information will remain subject to the terms of this Privacy Policy.

AMENDMENT OF THIS PRIVACY POLICY

We reserve the right to change this Privacy Policy at any time. If we decide to change this Privacy Policy in the future, we will post or provide appropriate notice. Unless stated otherwise, our current Privacy Policy applies to all Data that we have about you and your account. The date on which the latest update was made is indicated at the top of this document. We recommend that you print a copy of this Privacy Policy for your reference and revisit this policy from time to time to ensure you are aware of any changes. Your continued use of the Services signifies your acceptance of any changes.

CONTACT US

You can help by keeping us informed of any changes such as a change of your personal contact information. If you would like to access your information, if you have any questions, comments, or suggestions of if you find any errors in our information about you, please contact us at [email protected] or at our toll-free number: 1-800-223-5858. If you have a complaint concerning our compliance with applicable privacy laws, we will investigate your complaint and if it is justified, we will take appropriate measures.

Lift Credit
3214 N. University Ave. #601
Provo, UT 84604
1-800-223-5858
[email protected]

Effective Date:  April 5, 2023