US State Privacy Notice
Effective Date: 01/01/2024
Scope of Disclosures
This US State privacy notice (the “US State Law Notice”) adds to the details in our Privacy Policy and is directed exclusively at individuals living in California, Colorado, Connecticut, Utah, and Virginia (referred to as “consumers” or “you”).
The US State Law Notice outlines extra details on how we gather, utilize, share, and handle personal information of residents in these states, covering both online and offline activities.
Unless specifically indicated otherwise, all definitions in this US State Law Notice are consistent with those in our Privacy Policy or as defined by relevant privacy laws.
Personal Information Disclosure
In this US State Law Notice, “personal information” refers to any data that identifies, relates to, describes, can be reasonably associated with, or could be linked, directly or indirectly, to a specific consumer or household. This term does not cover aggregated or anonymized data that cannot be connected to you in any way.
Collection and Use of Personal Information
Over the past 12 months, we have gathered the following types of personal information from these sources for these purposes. These categories, sources, and purposes correspond to the details provided in our Privacy Policy:
| Category of Personal Information | Collected | Categories of Sources | Commercial or Business Purpose |
|---|---|---|---|
| Identifiers, such as business name, first name, last name, email address, SSN, etc. | ✓ | You Your Device Service Providers Loan Servicing Partners | Auditing consumer interaction & transactions Detecting/protecting against security events Debugging existing intended functionality Direct marketing (email, etc.) Internal analytics and reporting Maintaining and enhancing the product and services Providing customer service and support Provide effective and efficient customer support Product development/ improvement |
| Customer Records, such as telephone number, address, bank account details, bank statements, tax returns, etc. | ✓ | You Service Providers Loan Servicing Partners | Auditing consumer interaction & transactions Detecting/protecting against security events Debugging existing intended functionality Direct marketing (email, etc.) Internal analytics and reporting Maintaining and enhancing the product and services Provide effective and efficient customer support Providing the product and services Product development/ improvement |
| Protected Classification, such as age, and date of birth. | ✓ | You Service Providers | Auditing consumer interaction & transactions Detecting/protecting against security events Debugging existing intended functionality Direct marketing (email, etc.) Internal analytics and reporting Maintaining and enhancing the product and services Provide effective and efficient customer support Providing the product and services Product development/ improvement |
| Commercial Information, such as transaction history, business age, business industry, etc. | ✓ | You Service Providers Loan Servicing Partners | Auditing consumer interaction & transactions Detecting/protecting against security events Debugging existing intended functionality Direct marketing (email, etc.) Internal analytics and reporting Maintaining and enhancing the product and services Provide effective and efficient customer support Providing the product and services Product development/ improvement |
| Internet/Network Information, such as device information, and your interaction with our website, application, or promotion. | ✓ | You Your Device Service Providers | Auditing consumer interaction & transactions Detecting/protecting against security events Debugging existing intended functionality Direct marketing (email, etc.) Internal analytics and reporting Maintaining and enhancing the product and services Provide effective and efficient customer support Providing the product and services Product development/ improvement |
| Geolocation Data, such as IP address, your general geographic location based on the address you provide us or more precise location when permitted by law. | ✓ | You Your Device Service Providers Loan Servicing Partners | Auditing consumer interaction & transactions Detecting/protecting against security events Debugging existing intended functionality Direct marketing (email, etc.) Internal analytics and reporting Maintaining and enhancing the product and services Provide effective and efficient customer support Providing the product and services Product development/ improvement |
| Sensory Information, such as recordings of calls or interviews. | ✓ | You Service Providers | Auditing consumer interaction & transactions Detecting/protecting against security events Debugging existing intended functionality Direct marketing (email, etc.) Internal analytics and reporting Maintaining and enhancing the product and services Provide effective and efficient customer support Providing the product and services Product development/ improvement |
| Profession/Employment Information, such as employment status, business demographic, business address, number of employees, etc. | ✓ | You Service Providers Loan Servicing Partners | Auditing consumer interaction & transactions Detecting/protecting against security events Debugging existing intended functionality Direct marketing (email, etc.) Internal analytics and reporting Maintaining and enhancing the product and services Provide effective and efficient customer support Providing the product and services Product development/ improvement |
| Education Information, such as education history, etc. | ✓ | You | Auditing consumer interaction & transactions Detecting/protecting against security events Debugging existing intended functionality Direct marketing (email, etc.) Internal analytics and reporting Maintaining and enhancing the product and services Provide effective and efficient customer support Providing the product and services Product development/ improvement |
| Other Personal Information, such as information you decide to provide to us in connection with your loan application. | ✓ | You | Auditing consumer interaction & transactions Detecting/protecting against security events Debugging existing intended functionality Direct marketing (email, etc.) Internal analytics and reporting Maintaining and enhancing the product and services Provide effective and efficient customer support Providing the product and services Product development/ improvement |
| Inferences, including our predictions about your interests and preferences and related information based on the information you decide to provide to us. | ✓ | You Your Device Service Providers Loan Servicing Partners | Auditing consumer interaction & transactions Detecting/protecting against security events Debugging existing intended functionality Direct marketing (email, etc.) Internal analytics and reporting Maintaining and enhancing the product and services Provide effective and efficient customer support Providing the product and services Product development/ improvement |
Disclosure of Personal Information
Over the past 12 months, we have shared and sold the following types of personal information for business purposes. These categories correspond to the ones mentioned earlier:
| Category of Personal Information | Disclosure for Business Purpose | Sold* |
|---|---|---|
| Identifiers, such as business name, first name, last name, email address, SSN, etc. | ✓ | |
| Customer Records, such as telephone number, address, bank account details, bank statements, tax returns, etc. | ✓ | |
| Protected Classification, such as age, and date of birth. | ✓ | |
| Commercial Information, such as transaction history, business age, business industry, etc. | ✓ | |
| Internet/Network Information, such as device information, and your interaction with our website, application, or promotion. | ✓ | |
| Geolocation Data, such as IP address, your general geographic location based on the address you provide us or more precise location when permitted by law. | ✓ | |
| Sensory Information, such as recordings of calls or interviews. | ✓ | |
| Profession/Employment Information, such as employment status, business demographic, business address, number of employees, etc. | ✓ | |
| Education Information, such as education history, etc. | ✓ | |
| Other Personal Information, such as information you decide to provide to us in connection with your loan application. | ✓ | |
| Inferences, including our predictions about your interests and preferences and related information based on the information you decide to provide to us. | ✗ |
Note about “Sales” of Information
We work with third-party providers to conduct online analytics and advertising, which involves collecting personal information such as Identifiers, Internet/Network Information, and Geolocation Data directly from your browser or device through cookies or similar technologies when you interact with our online services. These third parties help us analyze and improve our services, deliver relevant content and advertisements to users and other third parties, and perform other analytics or advertising services in line with this CA Notice and our Privacy Policy.
These third-party companies may use the information they gather from you for their own purposes according to their privacy policies, which may include providing services to other entities, including those in advertising networks.
If these activities are considered “sales” under the CCPA, you have the right to opt-out as detailed below. For more information on your choices and how to opt-out, please refer to our Privacy Policy.
Who We Disclose Personal Information To
As outlined in our Privacy Policy, we share personal information within TheFundOne and with various entities for business purposes.
Beyond the recipients listed in that section, we also disclose personal information to the following categories of entities:
- Broker and Loan Provider Partners
- Customer Service Vendors
- Cloud Computing Service Providers
- IT and Quality Assurance Vendors
- Marketing and Advertising Partners
- Payment and Auditing Processors
- Security and Safety Vendors and Service Providers
Your US State Privacy Rights
As a resident of California, Colorado, Connecticut, Utah and Virginia, you may be able to exercise the following rights in relation to the Personal Information about you that we have collected (subject to certain limitations at law):
- The Right to Know
You have the right to request any or all of the following information relating to the personal information we have collected about you or disclosed in the last 12 months, upon verification of your identity:
- The specific pieces of personal information we have collected about you;
- The categories of personal information we have collected about you;
- The categories of sources of the personal information we have collected about you;
- The categories of personal information that we have disclosed about you to third parties for a business purpose, and the categories of recipients to whom this information was disclosed;
- The categories of personal information we have sold about you, and the categories of third parties to whom this information was sold; and
- The business or commercial purposes for collecting or selling personal information about you.
- The Right to Request Deletion
You have the right to request the deletion of personal information that we have collected from you, subject to certain exceptions.
- The Right to Opt Out
The right to direct us not to sell personal information we have collected about you to third parties or to share or use your personal information for targeted advertising purposes.
- The Right to Non-Discrimination
You have the right not to receive discriminatory treatment for exercising any of the rights described above.
However, please note that if the exercise of the rights described above limits our ability to process personal information (such as in the case of a deletion request), we may no longer be able to provide you our products or services or engage with you in the same manner.
“Shine the Light”
California residents that have an established business relationship with us have rights to know how their information is disclosed to third parties for their direct marketing purposes under California’s “Shine the Light” law (Civ. Code § 1798.83).
Exercising Your Right To Know or To Deletion
To exercise your right to know or to deletion, please write to us via email on hello@thefundone.com.
Before we can process your request, we must verify your identity. This typically involves either logging into your account successfully or matching the information you provide with the data we have on file.
While we aim to minimize the personal information collected when you exercise your right to know and right to deletion, some requests may necessitate obtaining additional information from you. In certain cases, we may deny a request to exercise the right to know and the right to deletion, especially if we cannot verify your identity.
Exercising Your Right To Opt Out
If our third-party providers collecting information from visitors on our website qualifies as a “sale” under relevant laws, you can learn more about your options and opt-out possibilities regarding these practices by visiting our Privacy Policy. If you are a California resident, you have the right to direct us to stop selling or sharing your Personal Information.
You may submit a request to opt out of sales by clicking on our website footer link: “Do Not Sell or Share My Personal Information.” If you have enabled privacy controls on your browser (such as a plugin), we will also treat that as a valid request to opt out.
Minors Under Age 16
We do not sell personal information of individuals we know to be under 16 years of age, unless we have received explicit authorization (“Right to Opt In”) from either the minor aged 13 to 16, or from a parent or guardian of a minor under 13 years old.
“Shine the Light”
California Civil Code Section 1798.83 allows our California resident customers to request specific details about how we disclose Personal Information to third parties for their direct marketing purposes. To make such a request, please email us at hello@thefundone.com. Please note that we are obligated to respond to only one request per customer per year.
Authorized Agent
Under certain circumstances, you may designate an authorized agent to submit requests on your behalf. To do so, you must provide adequate evidence that the agent is authorized and has written permission to act on your behalf. Additionally, you must successfully verify your own identity with us.
Financial Rewards
Currently, we do not provide any financial rewards for keeping or selling personal information. Should we introduce any financial incentives in the future, we will detail the incentive offered, specify which categories of personal information are involved, explain how consumers can opt in, and justify why the financial incentive complies with relevant laws.
Right to Appeal
If you are a resident of California, Colorado, Connecticut, or Virginia and your request has been denied, you have the right to appeal by contacting us at hello@thefundone.com after receiving our initial denial notification.
Handling of Sensitive Personal Information
We do not collect or process sensitive personal information, as defined by California law, for the purpose of inferring personal characteristics. Additionally, we do not use or disclose sensitive personal information for purposes other than those permitted by law.
Data Retention
We will retain your personal information for a duration that is reasonably necessary to fulfill the purposes outlined in this Privacy Policy or as required by law.
Updates to This Notice
We will periodically update this US State Law Notice. Changes will be effective upon publication, unless stated otherwise in the notification, and the “Last Updated” date at the beginning of this notice will reflect these revisions.
Questions and Contact Information
Your privacy is paramount, and we are continuously improving our services to safeguard it. For inquiries regarding this US State Law Notice, our Privacy Policy, or the use of your personal information, please reach out to us at hello@thefundone.com.