Privacy Notice
Effective Date: April 26, 2024
This privacy notice discloses the privacy practices for (smarterfinanceusa.com.) This privacy notice applies solely to information collected by this website, except where stated otherwise. It will notify you of the following:
- What information we collect;
- With whom it is shared;
- How it can be corrected;
- How it is secured;
- How policy changes will be communicated; and
- How to address concerns over misuse of personal data.
- Information Collection, Use, and Sharing
We are the sole owners of the information collected on this site. We collect information you provide directly to us, as well as information about you we collect from third parties for which you give us your authorization
We will use your information to respond to you, regarding the reason you contacted us. When appropriate, we may share your information with third party providers, such as credit repair or insurance firms. At your request we will NOT share this information.
Unless you ask us not to, we may contact you via email in the future to tell you about specials, new products or services, or changes to this privacy policy.
Your Access to and Control Over Information
By submitting information to use through our website or any application, you are providing express written consent for Smarter Finance USA, parties calling on behalf of Smarter Finance USA, network partners, or any authorized third party on their behalf to email, text or call you (including using automated dialing, pre-recorded or artificial voice messages), to any electronic email address or telephone number you provide, even if your telephone number is listed on any Do-Not-Call list, for any purpose, including marketing. Text messages include SMS and MMS and carrier charges may apply. This consent is not required as a condition to obtain any services, and you may opt out of this consent at any time either by sending an email to Smarter Finance USA, calling the telephone number on our website, or replying “STOP” or “QUIT” to any text message we send.
You may opt out of any future contacts from us at any time. You can do the following at any time by contacting us via the email address or phone number provided on our website:
- See what data we have about you, if any.
- Change/correct any data we have about you.
- Have us delete any data we have about you.
- Express any concern you have about our use of your data.
Security
We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline.
Wherever we collect sensitive information (such as credit card data), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser, or looking for "https" at the beginning of the address of the web page.
While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (e.g, billing or customer service) are granted access to personally identifiable information. The computers/servers on which we store personally identifiable information are kept in a secure environment.
Notification of Changes
Smarter Finance USA reserves the right, at its sole discretion, to change, modify, add or remove portions of this Online Privacy Policy at any time. Accordingly, Smarter Finance USA recommends that you revisit this Online Privacy Policy from time to time to ensure that you are aware of the current privacy practices. Your continued use of the web site following any changes signifies your acceptance of these changes.
California Residents Rights under the California Consumer Protection Act
Effective January 1, 2020, the California Consumer Privacy Act (the “CCPA”) provides that California residents, when making a verifiable consumer request, may request that a business subject to the law that collects consumer personal information give consumers access, in a portable (if feasible) readily usable form, to the specific items and categories of personal information that business has collected about the consumer, the categories of sources for that information, the business purposes for collecting the information and the categories of 3rd parties with which consumer information is shared. California residents may submit a request for deletion of information under certain circumstances. We will never charge you or provide services of less quality if you choose to exercise your rights under the CCPA, unless the deletion of information at your request impairs our ability to provide those services.
We do not sell your personal information.
We disclose personal information for business purposes to facilitate your requests for services we provide or that are provided by third-parties with which we have referral relationships.
You have the right to request the following from businesses that disclose personal information for a business purpose:
(1) The categories of personal information that the business collected about you; and
(2) The categories of personal information that the business disclosed about you for a business purpose.
You have the right to request a business delete information collected from you, subject to certain exemptions, such as information necessary to provide services you have requested, necessary to continue any legal relationship we have with you, or comply with legal obligations.
You have the right to be protected from discrimination for exercising your rights under the CCPA. If you exercise your rights under the CCPA, no business may discriminate against you by: (1) denying you any goods or services; (2) charging you different prices or penalizing you; (3) providing you with a different quality of goods or services; (4) suggesting that you will receive a different price, rate, level of quality of goods or services. However, nothing prohibits a business from charging different prices or offering differing qualities of goods and services if the difference is reasonably related to the value provided to the consumer by the consumer’s information.
For additional information on any of the foregoing, or to submit a request for personal information under the CCPA, please send an email to <<EMAILADDRESS>> with “CCPA” in the subject line, or call Customer Service at <<CUSTOMERSERVICETELEPHONE#>>. Please understand that we will then need to verify your identity and your residency in California before providing you with any information required by the CCPA.
Additional CCPA Disclosures:
We do not sell your personal information to 3rd parties. However, we do allow 3rd parties to collect information through our services and share information with 3rd parties for the business purposes we describe in our Privacy Policy.
Categories of personal information collected about consumers and disclosed for a business purpose (which business purposes include, but are not limited to providing services, maintaining and servicing accounts, providing customer service, processing or fulfilling orders and transactions, performing analytics and quality control, auditing transactions, researching and testing features and improvements, detecting and preventing fraud and security incidents, debugging or repairing technical errors, marketing our services and compliance with applicable law):
- Information you provide us. This includes information you provide when applying for a credit and financing product or any other product of service offered by us, our affiliates or program partners, or submitting any form in which we request information.
- Information we automatically collect. We collect information on how you access and interact with our websites and our services.
- Information 3rd parties provide about you. To provide products or services for which you apply or express interest, we will collect information about you from 3rd parties, such as public records providers, credit reporting agencies, financial institutions and other sources.
If you feel that we are not abiding by this privacy policy, you should contact us immediately via telephone at (877-982-3292 or via email at rob@smarterfinanceusa.com)
