Crediture Privacy Policy

Effective December 1, 2021

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What is shared?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

• Account balances
• Transaction history and income
• Account transactions and checking account information

When you are no longer our customer, we continue to share your information as described in this notice.

How data is shared?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Crediture chooses to share; and whether you can limit this sharing.

For questions, please visit https://www.Crediture.com/support/contact/

Who is providing this Privacy Policy?

This privacy notice is provided by Crediture, Inc.

How does Crediture protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Crediture collect my personal information?

We collect your personal information, for example, when you:

• Pay your bills or make deposits or withdrawals from your account;
• Provide account information or give us your contact information;
• Show your government issued ID.

We also collect your personal information from other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only:

• sharing for affiliates’ everyday business purposes — information about your creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more information on your rights under state law.

Key Definitions

Other important information

California: If your Crediture account has a California mailing address, we will not share personal information we collect about you except to the extent permitted under California law.

Vermont: If your Crediture account has a Vermont mailing address, we will not share personal information we collect about you with non-affiliates unless the law allows or you provide authorization.

Crediture Master Privacy Policy

This Privacy Policy sets forth how personal information is collected and used, that is provided on Internet Web site located at www.crediture.com (the “Site”) and our mobile application (collectively, “Crediture Platform”). Unless otherwise indicated, this Privacy Policy only applies to personal information collected through Crediture Platform by Crediture, Inc.. By using the Crediture Platform, you agree to be bound by this Privacy Policy and our Terms of Use, as they may be amended from time to time in the future (see “Change to this Privacy Policy” below).

Crediture is committed to maintaining the confidentiality, integrity and security of any personal information about our users. This Privacy Policy explains how we protect personal information provided through the Crediture Platform and how we use that information in connection with our service offered through the Crediture Platform (the “Service”). “Personal information” for purposes of this Privacy Policy means information that identifies you, such as your name, address, phone number, fax number or email address.

Crediture stresses its privacy and security standards to guard against identity theft and provide security for your personal information. We regularly re-evaluate our privacy and security policies and adapt them as necessary to deal with new challenges.

Personal Information Collected

We collect the following personal information from you:

• contact information such as name, email address, mailing address, phone number;
• billing information such as credit card number, and billing address;
• financial information such as bank or brokerage account numbers, types of investments;
• Social Security number;
• driver’s license number;
• unique identifiers such as username, account number, password;
• preferences information such as product wish lists, order history, and marketing preferences; and
• demographic information such as age, education, gender, interests, and zip code.

When you visit the Site or download and use our Services, we may automatically collect certain information sent to us by your computer, mobile device, or any other device. This information may include the type of device you use, operating system, the device identifier (or “UDID”), your IP address, location, mobile network information, and standard web log information, such as your browser type traffic to and from our site, the pages you accessed on our website, and other available information. We may also collect information about your use and interaction with the Site, our mobile application, or our Services. For example, we may evaluate your computer, mobile phone, or other access device to identify any malicious software or activity that may affect the availability of the Services. When you use the Services, we may also store information based on your usage history. This includes, but is not limited to, details of your purchases, content you viewed, event information, click stream information, and cookies that may uniquely identify your browser or your account.

Information Use and Sharing

Crediture uses and discloses your personal information only as follows:

• to analyze site usage and improve the Service;
• to deliver to you any administrative notices, money alerts, and communications relevant to your use of the Service;
• to fulfill your requests for certain products and services;
• for market research, project planning, troubleshooting problems, and detecting and protecting against error, fraud, or other criminal activity;
• to third-party contractors that provide services to Crediture and are bound by these same privacy restrictions;
• to enforce Crediture’ Terms of Use; and as otherwise set forth in this Privacy Policy.

In the event that you access the Service as brought to you by one of our co-brand partners, through a co-branded URL, your email address used for registration on the Service may be provided to that co-brand partner.

In addition, we may, from time to time, offer promotions with various businesses, websites, mobile applications or third parties, which may include opportunities for you to earn deposits within your Crediture account. Each such promotion will be subject to and governed by our Terms of Use, this Privacy Policy, and any applicable rules or terms and conditions we may post online, post in our mobile application, include within e-mail or other communications, or otherwise make available to you. To the extent you elect to participate in any such promotion or otherwise make any purchase subject to a promotion, we may share personal information such as name, e-mail address, purchase dates, and other related information with the applicable third party for the limited purpose of allowing the parties the make the promotion available and track participation within such promotion.

We may use information you provide to connect you with people you may already know. For example, through our mobile application we may identify contacts within your address book as potential new users of Crediture. We may match the contact information you provide to the information provided by other users to improve the Service, including making it easier to find contacts you may refer to Crediture that are not already customers.

We may also disclose your personal information as required by law, such as to comply with a subpoena, or similar legal process and when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.

If Crediture Grow Incorporated is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our Site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.

Third Party Services

Crediture uses Plaid Inc. (“Plaid”) to gather your data from financial institutions. By using the Service, you grant Crediture and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from your relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid end user privacy policy.

If you choose to apply for an Crediture VisaTM debit card, you understand that such card is issued by Lincoln Savings Bank and you conform acceptance of Lincoln Savings Bank’s privacy policy. 

If you access Crediture to transfer funds to a creditor or lender account through the Crediture Payments feature, you authorize the sharing of your name, the status of your payment, and the amount of the transfer with the recipient account holder. In addition, we use third party payment processors to complete the financial transaction on our behalf. The use of personal information by those processors is governed by their privacy policies, which will be made available during the Crediture Payments checkout process.

User Access and Choice

If the personal information on file for you changes, or if you no longer desire our service, you may correct or update it by making the change on our customer information page or by emailing Crediture Customer Service.

We will retain and use your information as necessary to comply with our legal and/or regulatory obligations, resolve disputes, and enforce our agreements.

If you wish to subscribe to our newsletter(s), we will use your name and email address to send the newsletter to you. Out of respect for your privacy, you may choose to stop receiving our newsletter or marketing emails by following the unsubscribe instructions included in these emails, accessing the email preferences in your account settings page or you can contact us at the information below.

If you have agreed to receive text messages from us, you can choose to opt-out at any time by replying STOP. 

Cookies / Tracking Technologies

A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We use cookies on the Site. We do not link the information we store in cookies to any personally identifiable information you submit while on the Site.

We use both session ID cookies and persistent cookies. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. You can remove persistent cookies by following directions provided in your Internet browser’s “help” directory.

If you reject cookies, you may still use the Site, but your ability to use some areas of the Site, such as contests or surveys, may be limited.

The use of cookies by our partners, affiliates, tracking utility company, and/or service providers is not covered by our Privacy Policy. We do not have access or control over these cookies. Our partners, affiliates, tracking utility company, and/or service providers use session ID cookies to make it easier for you to navigate the Site.

We employ (and/or our third-party advertising partner employs) a software technology called clear gifs (sometimes known as web beacons or web bugs), that help us better manage content on the Site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of web users. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on web pages and are about the size of the period at the end of this sentence. We do not tie the information gathered by clear gifs to our customers’ personally identifiable information.

Notice Concerning Do Not Track

Do Not Track (“DNT”) is a privacy preference that users can set in certain web browsers. At this time, we do not recognize or respond to DNT signals. 

Security

The security of your personal information is important to us. When you enter sensitive information, such as a credit card number or financial information, on our forms, we encrypt the transmission of that information using secure socket layer technology (SSL).

We have implemented reasonable and appropriate measures to protect the security of the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about security on the Site, please contact us.

California Collection Notice

If you are a California resident, California law requires us to provide you with some additional information regarding how we collect, use, and share your “personal information” (as defined in the California Consumer Privacy Act (“CCPA”)), other than the personal information we collect in connection with providing financial products and services.

Depending on how you interact with our website and services, we may collect the following categories of personal information about you, in addition to the information we collect in connection with providing financial products and services:

• Identifiers, such as your name and contact information, IP address, and mobile device identifiers
• Commercial information such as purchase history 
• Internet usage information, such as browsing history, access history, and use and interaction with our website.

This information is used and disclosed for the purposes and to the categories of third parties described in the main privacy policy, above. 

Your California Privacy Rights

If you are a California resident, you may have certain rights.  California law may permit you to request that we:

• Provide you the categories of personal information we have collected or disclosed about you in the last twelve months; the categories of sources of such information; the business or commercial purpose for collecting or selling your personal information; and the categories of third parties with whom we shared personal information. 
• Provide access to and/or a copy of certain information we hold about you.
• Delete certain information we have about you.
• Opt you out of the sale of your personal information. As noted below, we do not “sell” your personal information, as that term is defined by the California Consumer Privacy Act.

You may have the right to receive information about the financial incentives that we offer to you for your personal information (if any). You also have the right to not be discriminated against (as provided for in applicable law) for exercising certain of your rights. Certain information may be exempt from such requests under applicable law. For example, we need certain types of information so that we can provide the Services to you and for compliance with applicable law. If you ask us to delete certain information, you may no longer be able to access or use the Services.

Where applicable, the CCPA gives California consumers the right to opt-out of the sale of their personal information. As discussed in the Additional Information section below, we do not sell your personal information.

California consumers may request, once per year, that we disclose the identity of any third parties with whom we have shared personal information for the third parties’ direct marketing purposes within the previous calendar year, along with the type of personal information disclosed. 

To exercise your rights, please send us an email at support@Crediture.com. You will need to provide additional information to verify your identity before we fulfill your request. You can also designate an authorized agent to make a request on your behalf. To do so, you must provide us with written authorization or a power of attorney, signed by you, for the agent to act on your behalf. You will still need to verify your identity directly with us.

Additional Information for California Residents

The CCPA sets forth certain obligations for businesses that “sell” personal information.  Based on the definition of “sell” under the CCPA and under current regulatory guidance, we do not believe we engage in such activity and have not engaged in such activity in the past twelve months. We share certain information as set forth in the Information Use and Sharing section, above, and allow third parties to collect certain information about your activity, for example through cookies, for our commercial purposes as explained in Cookies / Tracking Technologies section, above.  You can control these cookies through browser settings and other controls.  

Changes to this Privacy Policy

We may update this privacy policy to reflect changes to our information practices. If we make any material changes we will notify you by email or by means of a notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

Contact Us

If you have any questions about our Privacy Policy, please contact us at:

privacy@crediture.com
Crediture, Inc.
900 East Hamilton Avenue, Suite 100
Campbell, CA 95008