Consumer Linx Credit (“we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you use our services, including our website, mobile applications, and other online platforms (collectively, the “Services”).
We collect several types of information from and about users of our Services, including:
Personal Information You Provide:
This includes information you directly provide to us, such as:
Identifying Information: Name, date of birth, address.
Financial Information: Income, credit history, bank account details.
Transaction Information: Payment history, loan details.
Communication Information: When you contact us, we may keep a record of your communication.
Information We Collect Automatically:
When you interact with our Services, we may automatically collect certain information, including:
Device Information: Your device type, operating system, browser type, IP address, unique device identifiers.
Usage Information: Pages you visit, links you click, the time and duration of your visit, referring website addresses.
Location Information: With your consent, we may collect information about your device’s location.
Cookies and Similar Technologies: We use cookies, web beacons, and other tracking technologies to collect information about your browsing activities.
Information We Collect from Other Sources
We may receive information about you from third parties, such as:
Credit Bureaus: To assess your creditworthiness.
Identity Verification Services: To verify your identity.
Marketing Partners: To offer you products and services that may be of interest.
We may use your personal information for various purposes, including:
Providing and Managing Our Services: To process your applications, manage your accounts, provide customer support, and personalize your experience.
Credit Assessment and Risk Management: To evaluate your creditworthiness, manage risk, and prevent fraud.
Communication: To communicate with you about your account, updates to our Services, and promotional offers (where permitted by law).
Improving Our Services: To analyze usage patterns, conduct research and development, and improve the functionality and content of our Services.
Legal and Regulatory Compliance: To comply with applicable laws, regulations, and legal processes.
Marketing and Advertising: To display targeted advertisements and offers based on your interests and preferences (where permitted by law).
We may share your personal information with third parties in the following circumstances:
Service Providers: We may share information with third-party vendors who provide services on our behalf, such as payment processing, data analysis, email delivery, and marketing. These service providers are contractually obligated to protect your information.
Credit Bureaus and Financial Institutions: We may share information with credit bureaus and other financial institutions as part of the credit application and reporting process.
Legal Requirements: We may disclose your information if required to do so by law, court order, or other legal process.
Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred to the acquiring entity.
With Your Consent: We may share your information with third parties when we have your explicit consent to do so.
Affiliates: We may share information with our affiliated companies for internal business purposes.
You may have certain rights regarding your personal information, depending on your location and applicable laws. These rights may include:
Accessing Your Information: You may have the right to request access to the personal information we hold about you.
Correcting Your Information: You may have the right to request that we correct any inaccurate or incomplete personal information.
Deleting Your Information: You may have the right to request the deletion of your personal information, subject to certain exceptions.
Objecting to Processing: You may have the right to object to the processing of your personal information in certain circumstances.
Withdrawing Consent: If we rely on your consent to process your personal information, you have the right to withdraw your consent at any time.
Opting Out of Marketing Communications: You can opt out of receiving marketing communications from us by following the instructions in those communications.
We implement reasonable security measures designed to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. These measures include physical, technical, and administrative safeguards. However, no method of transmission over the internet or method of electronic storage is completely secure.
We will retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.
Our Services are not intended for children under the age of 16. We do not knowingly collect personal information from children without verifiable parental consent. If we become aware that we have collected personal information from a child without such consent, we will take steps to delete it.
Your personal information may be transferred to and processed in countries other than your country of residence, which may have data protection laws that are different from the laws in your country. By using our Services, you consent to the transfer of your personal information to these countries.
We may update this Privacy Policy from time to time. We will post any changes on this page and update the “Effective Date” at the top. We encourage you to review this Privacy Policy periodically for any changes. Your continued use of our Services after the posting of changes constitutes your acceptance of such changes.
If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA). These rights may include the right to know what personal information we collect, the right to request deletion of your personal information, and the right to opt-out of the sale or sharing of your personal information.
If you are a resident of Virginia, Colorado, Utah, or Connecticut, you may have additional rights under your state’s privacy laws. These rights may include the right to access, correct, delete, and obtain a copy of your personal information, as well as the right to opt-out of the processing of your personal information for targeted advertising, the sale of personal information, or profiling in furtherance of decisions that produce legal or similarly significant effects concerning you.
To exercise your rights, please refer to the relevant section above regarding your specific location.
Some browsers may transmit “Do Not Track” (DNT) signals. Because there is not yet a common understanding of how to respond to DNT signals, our Services do not currently respond to DNT signals.
Our Services may contain links to third-party websites or services that are not owned or controlled by us. We are not responsible for the privacy practices of these third-party websites or services. We encourage you to review the privacy policies of those websites and services before providing any personal information.
By using our Services, you acknowledge that you have read and understood this Privacy Policy.
