Privacy Policy
Thank you for using Providus Finance! This Privacy Policy (“Policy”)
describes the types of personal information we collect from you when you
visit and use providusfinance.net or any of our related services or offerings
(collectively, the “Service”), and how we collect, use, and share that
information. Any reference to “us,” “we,” or “our” in this Policy means
Providus Finance Inc., a Delaware corporation. Any reference to “you” or
“your” means any user who accesses the Service.
Binding Agreement
Please read this Policy carefully. By accessing or using the Service, you
agree to this Policy. If you do not agree with our policies and practices,
you may not use our Service.
Changes to this Policy
We may update this Policy from time to time. If you continue using the
Service after we make any changes to this Policy, you accept and agree to
be bound by those changes. The most updated version of this Policy will
always be posted on the Service, so we encourage you to check the Policy
periodically. In certain situations, we may notify you about material
changes to the Policy. You are responsible for ensuring we have an
up-to-date, active, and deliverable email address on file for you, and you
agree that your use of the Service will be subject to any updated Policy
posted on the Service, whether or not you receive notice of such changes.
Applicability
This Policy applies to personal information we collect on the Service. It
does not apply to any non-personal information or any information
collected by any third party. As used in this Policy, “personal
information” means information that can be used to identify any natural
person either directly or indirectly.
Personal Information We Collect
Personal Information You Voluntarily Provide to Us
When you register for an account on the Service, we require that you
provide us with certain personal information about you. This includes, but
is not limited to, the following information:
Name,
Physical or mailing address,
Email address,
Telephone number,
Social security number,
Date of birth,
Bank account information,
Employment information, and
Other financial information.
As part of the account registration and verification process, we may also
ask you for certain documents that include personal information about you.
These include, but are not limited to, the following:
Government-issued identification,
Bank statements,
Proof of income, and
Other financial documents to verify your identity.
Even if you access and use the Service without registering for an account,
you may choose to provide us with certain personal information about you.
For example, this may be the case when you request an invitation to the
Service, subscribe to our newsletter, or contact us for support. The
collection of this information is necessary to provide the functionality
of the Service and/or to comply with applicable laws and regulations
related to the Service’s product offerings.
Personal Information We Collect From Third Parties
To comply with our legal obligations and to help detect and fight fraud,
we may collect certain information about you from public databases and
third-party ID verification partners. Such information may include,
without limitation, your name, address, job role, public employment
profile, credit history, status on any sanctions lists maintained by
public authorities, and other relevant data.
Personal Information We Collect
Automatically
We collect certain information about you automatically as you access and
use the Service. This includes:
Device information, such as a unique device identifier;
Location information, such as your IP address or geo-location; and
Usage information, such as pages visited and links clicked.
This information does not identify you directly, but may nevertheless be
considered personal information.
How We Use Personal Information
We use the personal information that we collect to make the Service
available to our users, to comply with our legal obligations under
anti-money laundering and related laws, to improve the Service, and to protect our legal rights.
Examples of the ways in which we may use your personal information
include:
Allowing you to register for a user account and use the Service;
Verifying your identity in compliance with our obligations under
applicable law;
Identifying fraudulent or illegal activity;
Providing you with information, products or services that you request
from us;
Carrying out our obligations and enforcing our rights arising from any
contracts entered into between you and us, including for billing and
collection;
Notifying you about changes to the Service, such as updates to this
Policy; and
Understanding how our users interact with the Service to improve the
Service and our product offerings.
In addition to the above, if you choose to opt in to receive marketing and
promotional communications from us, we may use your personal information
to contact you about our products.
Finally, we may also use your personal information for any other purposes
with your consent.
How We Share Personal Information
We may disclose personal information that we collect in the following
circumstances:
With our contractors and vendors who support the following aspects of
the Service and our business: payment processing and bill collection,
bank account identity and authentication, email and text message
marketing, helpdesk and support, user identity verification, and fraud
prevention;
With our banking partners who enable the processing of transactions via
the Service;
With a buyer or other successor in the event of a merger,
reorganization, dissolution or other sale or transfer of some or all of
our assets, whether as a going concern or as part of bankruptcy,
liquidation, or similar proceeding, in which personal information held
by us about our users is among the assets transferred;
When we believe, in good faith, that disclosure is necessary to prevent
physical harm or financial loss, to report suspected illegal activity,
or to investigate violations of our Terms of Service or any other
applicable policies; and
With your express consent.
Additionally, we may share your personal information as required to comply
with any subpoena, court order, similar legal process, including to
respond to any government or regulatory request. To the extent permitted
by law, we will notify you if we receive government requests about your
data.
Finally, we may disclose anonymized, non-personal information about the
Service and our users without restriction.
Accessing and Correcting Your Information
You are solely responsible for ensuring that any personal information that
you provide to us is accurate. You may be able to view and update certain
personal information that we have about you by logging into your user
account via the Service. Please note that we reserve the right to reject
any changes you make to your personal information and to reject any
requests to change your personal information submitted through
inappropriate channels.
Data Security
We use commercially-reasonable physical, technical, and administrative
measures to secure your personal information from accidental loss and from
unauthorized access, use, and disclosure. For example, we restrict access
to personal information to employees, contractors, and other service
providers on a need-to-know basis, and we use industry-standard encryption
technology to secure data at rest and in transmission. However, the
transmission of information via the Internet is not completely secure. As
we cannot guarantee the security of information transmitted to or from us,
we are not responsible for any unauthorized access to and disclosure of
any information you send to or receive from us. Any transmission of
personal information is at your own risk.
Please also keep in mind that the safety and security of your information
also depends on you. You are responsible for keeping your account
information, including your password, confidential. We ask you not to
share your password with anyone. If you have reason to believe that your
data is no longer secure, please contact us at the email address, mailing
address or telephone number listed at the end of this Policy.
Data Retention
We may retain your personal information for the longer of: (i) five (5)
years; (ii) the length of time required by law; (iii) the length of time
required by our compliance program; (iv) the length of time required by
our fraud prevention program; or (v) the length of time required by our
banking partners. Please note that if you delete your user account via the
Service, we may still retain your personal information as explained above.
Automated Data Collection Technologies
As you navigate through and interact with the Service, we may use
automatic data collection technologies to collect certain information
about your equipment, browsing actions and patterns, as further described
in this Policy.
Cookies, Web Beacons and Analytics
We may use cookies, web beacons and other technologies to automatically
collect information about your use of the Service. You can learn more
about these technologies below. We may use this information to provide you
with a better user experience, to comply with our legal obligations under
anti-money laundering and related laws, to protect you and detect
irregular or suspicious account activities, to customize our services and
content for you, and to better understand how our users interact with the
Service. Cookies. A cookie is a small file placed on your computer when you
visit certain websites. Cookies may be either first-party or third-party
cookies, and they may be either permanent or temporary (i.e. session)
cookies. It may be possible to refuse to accept cookies by activating the
appropriate setting within your browser. However, if you disable or refuse
cookies, please note that some parts of the Service may be inaccessible or
may not function properly. Web Beacons. Pages of the Service or emails we send to you 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, opened emails, and for other
related Service statistics (for example, recording the popularity of
certain content and verifying integrity). Other Technologies. We may use other third party services that
automatically collect information about you to better understand how you
use and interact with the Service. These may include, but are not limited
to, vendors that provide us with email marketing tools. We may also use
third-party services to deliver advertising with such third parties. The
information collected through this process by the third party service
providers does not enable us or them to identify your name, contact
details, or other personal information that directly identifies you unless
you choose to provide these.
“Do Not Track” Signals
Some Internet browsers allow you to transmit “Do Not Track” or “DNT”
signals. We respect DNT signals, and will not enable unnecessary
third-party analytics tools to collect data about your usage if you choose
to transmit DNT signals.
Third-Party Services
Any third-party services integrated with the Service shall be subject to
the policies and practices of such third parties, and we are not
responsible for how they collect, use, and share your personal
information. We encourage you to review the privacy practices and policies
of such third parties. For example, we use Plaid Inc. (“Plaid”) to gather
data about our users from financial institutions. By using the Service,
you grant us and Plaid the right, power, and authority to act on your
behalf to access and transmit your personal and financial information from
the relevant financial institution. You agree to your personal and
financial information being transferred, stored, and processed by Plaid in
accordance with the Plaid Privacy Policy.
Restrictions on Use
Children Under 13
Our Service is not intended for children under 13 years of age. No one
under age 13 may provide any personal information to us via the Service or
otherwise. We do not knowingly collect personal information from children
under 13. If you are under 13, do not provide any personal information on
this Service or on or through any of its features (such as by registering
for an account), make any purchases through the Service, or provide any
information about yourself to us, including your name, address, telephone
number, email address or any screen name or user name you may use. If we
learn we have collected or received personal information from a child
under 13 without verification of parental consent, we will delete that
information. If you believe we might have any information from or about a
child under 13, please contact us at the email address listed below.
Use Outside of the United States
Currently, the Service may be used by those located outside of the
United States, including residents of the European Economic Area. If you
access and use the Service from outside of the United States, you
understand that we may store, transfer, and otherwise process your
personal information in a country outside of the country of your
residence, including the United States, and access the Service at your own
risk.
Contacting Us
To ask questions or comment about this Policy and our privacy practices,
contact us at support@providusfinance.net.
