Effective: July 12, 2016
Click on the links below to jump to each section:
2. Information We Collect
3. How We Use Your Information
4. How We Share Your Information
6. Links to Other Web Sites
9. Children’s Privacy
10. Compliance with State and Federal Laws
11. Your California Privacy Rights
12. International Users
14. How to Contact UpLift
15. UpLift Privacy Notice
16. CBW Bank Privacy Notice
There is no requirement to apply for a loan with the UpLift Service. However, personal Information is required for you to apply for a loan using the UpLift Service. We may collect personal information such as your name, home address, home phone number, mobile phone number, email address, date of birth, full or partial Social Security number, ID number, bank account number and/or payment card number.
Information We Receive From Third Parties
We may receive information about you from third parties. For example, we work with identity verification services that help us confirm consumer identities in an effort to limit fraud. As part of the credit underwriting process, we will obtain information about you, including your personal information and consumer reports, from credit reporting agencies. If you access the Service through a third-party website, application, referral or connection, that third party may pass certain information about you and your use of its service to us. This information could include a user ID associated with your account, an access token necessary to access that service, any information that you have permitted the third party to share with us, and any information you have made public in connection with that service.
Cookies and Tracking Technologies
Technologies such as cookies, beacons, tags, scripts and Local Storage Objects may be used by the UpLift Service to deliver content, remember your settings, better understand how our visitors navigate through the Site, learn what content is being reviewed, and administer the Site. Web browser documentation should be consulted to learn the proper way to modify cookie settings. If a web browser’s settings are set to delete, or not to accept cookies, some of the Service’s features may not work at all or to their fullest potential.
Log File Information
Log file information is automatically reported by your browser or mobile application each time you access our Service. For example, when you access a Site, our servers automatically record certain information that your web browser sends whenever you visit any website. These server logs may include information such as your web request, Internet Protocol (“IP”) address, browser type, operating system, device type, referring / exit pages and URLs, number of clicks, domain names, landing pages, pages viewed and other such information.
Analytical and Transactional Information
We may collect additional information directly or using third-party analytics tools. For example, we may need to collect your loyalty number and/or other personally identifying information to fulfill a bonus points offer. We may also collect shopping and transaction information including product SKUs, the payment method, the first 6 and last 4 digits of a payment card, the payment card expiration date, the amount and currency of the transaction, the order confirmation number for the transaction and other details about the purchase.
UpLift does not process or respond to “do not track” signals or other similar signals whereby a visitor to a website requests that it disable collection of information about the visitor’s online activities over time and across different websites.
On occasion, we may seek your feedback through surveys or other mechanisms. Providing feedback in these contexts is entirely voluntary, but if you choose to participate, we may ask you to provide personal information such as your name, email address, and phone number, in addition to your feedback.
Information from Advertisements on Other Websites
We place and track advertisements on third-party websites. Like many advertisers, we advertise our products and services, and we contract with third parties to place advertisements, on websites not affiliated with us where we think the advertisements are likely to be most relevant. These advertisements may contain cookies or other mechanisms that allow tracking of your response to our ads. We and our contracted third parties track and report performance of our advertising and marketing campaigns by using cookies, web beacons, and other similar technology, which may be used to collect and store information about user visits, page visits and duration, and the specific ad or link that the user clicked on to visit the site. No personally identifiable information is stored during this process.
If you contact us, you may request information about UpLift or the Service. When you do, we may ask you to provide personal information with your request such as your name, email address, and phone number. Based on the nature of your request, we may also ask for additional information, such as how you anticipate you will make use of our Service and how you learned about us.
Accessing and Modifying Your Information
You can access, modify, correct, or delete your personal information by accessing your account at www.uplift.com or by contacting us as indicated below. We will retain your information for as long as your account is active or as needed to provide you Services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
We may use the information we collect for the following purposes:
To provide, personalize, improve, and promote our Sites or Service, and to develop new products and services;
To conduct research, monitor and analyze usage and trends;
To communicate with you, including for service-related purposes and marketing purposes, and to respond to your requests or inquiries;
Service Providers and Other Third Parties
We share your information with service providers and other third parties such as identity verification services, credit reporting agencies and other data providers, servicing companies, collection agencies, customer support call centers, hosting and electronic payment service providers to perform functions and process data on our behalf. Some of these service providers and other third parties, such as fraud scoring and analytics providers, may collect information about your online activities over time and across different websites or online services. We may share your information with any of these service providers or third parties to allow them to perform the services they have agreed to provide us. Our service providers are required to keep your information private and secure and adhere to applicable state and federal laws and regulations.
How Your Credit History and Loan Data Are Shared
When you check your rate or apply for a loan through the Service, attributes about your loan request may be made available to potential investors. This information includes non-personally identifiable details about your loan request, as well as your, general geographic location, UpLift credit grade, and the purpose for which the loan will be used.
Qualified investors will also see certain credit data collected from or calculated based on your credit bureau file. It is necessary to allow prospective investors to see this information as they evaluate your loan request. The information displayed to investors includes a credit profile section and a credit history section. As noted above, this information may also be contained anonymously in loan data files available on the UpLift Service.
The credit profile section may include some or all of the characteristics below:
- FICO score range
- Good or service being purchased
- Debt-to-income ratio (DTI)
- Gross income
- Home ownership status
- Current employer and tenure in your current position and/or source of income
- Existing debt payments (monthly snapshot of your current outstanding debt)
- Monthly payment amount for the loan being requested
The credit history section includes the following information:
- The date your earliest reported credit line was opened (e.g., revolving credit)
- The number of open credit lines currently in your credit file
- Your total balance for all open revolving credit lines
- Revolving line utilization rate, or the amount of credit you are using relative to all of your available credit
- The number of accounts on which you are now delinquent, and the past-due amount you owe
- The number of months since your last delinquency
- The number of 30+ days past-due incidences of delinquency in your credit file for the past 2 years
- The number of negative public records (e.g., bankruptcies and judgments, etc.) placed in your file and the number of months since the last record
- The number of inquiries by creditors during the past 6 months
If you successfully receive a loan through UpLift, we may also share detailed information about your loan including personally identifiable financial information, terms, payment performance, late payments, delinquency, defaults or collections activity to our investors, bank partners, loan servicers, referring merchants, subsequent creditors, ratings agencies, credit bureaus and/or consumer reporting agencies.
Other Information Sharing
We may also share your information:
- To the merchant or website on which you use UpLift’s Services;
- To provide marketing services on behalf of our merchant partners;
- To fulfill marketing offers such as loyalty points, discounts, perks and rewards;
- To provide customer service, resolve disputes and verify the accuracy of information;
- To third parties in anonymized or aggregate form;
- To any other third party with your consent to do so; or
- To an acquirer, successor, or assignee as part of any merger, acquisition, debt financing, sale of assets, or similar transaction.
We reserve the right to disclose your personal information when we believe that disclosure is necessary to protect our rights and/or to comply with a judicial proceeding, court order or legal process served on our Service. We may also share your information with law enforcement or other government agencies as required by law, such as to comply with a subpoena, bankruptcy proceedings or similar legal process or for the purposes of preventing fraud or criminal activity or to protect your safety or the safety of others.
Banking partners such as CBW Bank will have access to information you provide to us. Please see the CBW Bank privacy notice below.
We take commercially reasonable steps to protect information from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. To that end, we use certain physical, managerial, administrative, and technical safeguards that are designed to protect the information that we collect and maintain. Please understand, however, that no security system is impenetrable and no method of data transmission can be guaranteed against any interception or other types of misuse. We cannot guarantee the security of our databases, nor can we guarantee that the information that you supply will not be intercepted while being transmitted to and from us over the Internet. In particular, e-mail sent to or from us may not be secure, and you should therefore take special care in deciding what information you send to us via e-mail.
We employ session timeouts to protect your account. You will be logged out of the site automatically after a period of inactivity. This reduces the risk of others being able to access your account if you leave your computer unattended.
In the event that UpLift possesses, processes, stores or transmits cardholder data on behalf of a customer, UpLift will take commercially reasonable steps to ensure the cardholder data is secure.
Social Media Widgets
We display personal testimonials of satisfied customers on our site in addition to other endorsements. With your consent we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us at firstname.lastname@example.org.
From time to time, UpLift will send you email or text message (data rates apply) notifications as confirmations of particular actions you have taken. These are required elements of your transactions on our Service. These required notices are sent typically to notify you of a change in status, such as when you are confirmed as a borrower or for legal or security purposes. For example, certain notifications are sent for your own protection to ensure that no one can make a change to your account without your knowledge, such as confirming the addition of a new email address or linked external bank account. These notifications are sent to you so that you can be assured that no one is making changes to your account without your knowledge. In other cases, these notifications involve changes to various legal agreements or site policies. Generally, you may not opt out of these service related messages.
You may adjust your preferences by logging into your account at www.uplift.com or by following the directions provided with communications. Alternatively, you can opt out of receiving text messages by emailing email@example.com. UpLift reserves the right to close or limit access to your account should you opt out of the crucial notices that are required to perform the UpLift Service. You are still responsible for any amounts due to UpLift even if we close or limit access to your account.
We do not knowingly collect personal information from children under the age of 13. If you have reason to believe that a child under the age of 13 has provided personal information to us, please contact us, and we will endeavor to delete that information from our databases.
A person must be eighteen (18) years or older to receive a loan through the UpLift Service. Any application received from someone who has not attained that age will be declined.
California Civil Code Section 1798.83 permits California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please write to us at 440 N Wolfe Rd, Sunnyvale, CA 94085.
440 N Wolfe Rd
Sunnyvale, CA 94085
Facts: What does UpLift do with your personal information?
|Why?||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?||The types of personal information we collect and share depend on the product or service you have with us. This information can include:
|How?||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 UpLift chooses to share; and whether you can limit this sharing.|
When you are no longer our customer, we continue to share your information as described in this notice.
|Reason we can share your personal information||Does UpLift share?||Can you limit sharing?|
|For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus||Yes||No|
|For our marketing purposes - to offer our products and services to you||Yes||No|
|For joint marketing with other financial companies||Yes||Yes|
|For our affiliates’ everyday business purposes - information about your transactions and experiences||Yes||Yes|
|For our affiliates’ everyday business purposes - information about your creditworthiness||Yes||Yes|
|For our affiliates to market to you||Yes||Yes|
|For non affiliates to market to you||Yes||Yes|
To Limit our sharing
Call (844) 257-5400 or visit us online: www.UpLift.com or contact us at firstname.lastname@example.org
If you are a new customer, we can begin sharing your information 30 days from the date we provide this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
|What we do|
|How does UpLift 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 UpLift collect my personal information?||We collect your personal information, for example, when you
|Why can’t I limit all sharing?||Federal law gives you the right to limit only
|Affiliates||Companies related by common ownership or control. They can be financial and nonfinancial companies.|
|Non Affiliates||Companies not related by common ownership or control. They can be financial and nonfinancial companies. Non Affiliates we share with can include other financial services companies, lenders, insurance companies, retailers, membership clubs, or other consumer service providers.|
|Joint Marketing||A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include other financial services companies, lenders, insurance companies or other consumer service providers.|
Other Important Information
Nevada Residents: We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by calling 855-755-1919. Nevada law also requires us to provide you with the following information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Street, Suite 3900, Las Vegas, NV 89101; Phone: 702.486.3132; Email: BCPINFO@ag.state.nv.us.
WHAT DOES CBW BANK DO WITH YOUR PERSONAL INFORMATION IN CONNECTION WITH YOUR UPLIFT ACCOUNT?
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.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and transaction history
- Account balances and payment history
- Credit history and credit scores
- Other information about your transactions and accounts
When you are no longer our customer, we continue to share your information as described in this notice.
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 CBW Bank chooses to share; and whether you can limit this sharing.
|Reasons we can share your personal information||Does CBW Bank share?||Can you limit this sharing?|
|For our everyday business purposes—such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus||YES||NO|
|For our marketing purposes—to offer our products and services to you||NO||We Don’t Share|
|For joint marketing with other financial companies||YES||NO|
|For our affiliates’ everyday business purposes—information about your transactions and experiences||NO||We don’t share|
|For our affiliates’ everyday business purposes—information about your creditworthiness||NO||We don’t share|
|For our affiliates to market to you||NO||We don’t share|
|For non-affiliates to market to you||YES||NO|
Questions? Call (620) 396-8221 or go to www.cbwbank.com
|Who we are|
|Who is providing this notice?||CBW Bank|
|What we do|
|How does CBW Bank 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 CBW Bank collect my personal information?||We collect your personal information, for example, when you
|Why can’t I limit all sharing?||Federal law gives you the right to limit only
|Affiliates||Companies related by common ownership or control. They can be financial and nonfinancial companies. CBW Bank does not share with our affiliates|
|Non-affiliates||Companies not related by common ownership or control. They can be financial and nonfinancial companies. CBW Bank only shares with UpLift so they can underwrite, market and provide customer service to you|
|Joint marketing||A formal agreement between nonaffiliated financial companies that together market financial products or services to you. CBW Bank only jointly markets and provides customer service with UpLift|