Online Privacy Policy

Date Last Updated

December 30, 2022

1. Scope

This Privacy Policy is meant to help you understand how we and our affiliates collect, secure, use, protect and share your personal information. This Privacy Policy applies to Level Lending’s online and offline collection, use, sharing, and retention of your personal information.

If you are a current Level Lending customer, apply for a financial product or service with Level Lending, you can read our U,S. Consumer Privacy Notice. PDF File that describes how we collect, use, protect and share your personal information and the privacy options available to you.

 

This Privacy Policy applies to all Level Lending companies that offer products and services, which includes its Affiliates, (collectively, “Level Lending”, “we”, or “us”). Affiliates means companies owned by or under common control with MBOCAL, Inc dba Level Lending.

2. Changes to Our Privacy Policy

We may change or update this Notice periodically. When We do, We will let you know by appropriate means such as by posting the revised Notice on our Website with a new “Last Updated” date. Any changes to this Notice will become effective when posted unless indicated otherwise.

3. Personal Information We Collect and How We Collect It

1. Information you or your authorized agent provide to us.Personal information you may provide to us includes:
   • Identity information –including name, date of birth, marital status, social security number, and other data on government-issued identification documents (e.g., passport and social security numbers).
   • Profile Data –such as your username and password, your interests, age, preferences, feedback, and survey responses.
   • Contact information –including home address, telephone, email address, and emergency contact details.
   • Employment information –including job title/position and annual income.
   • Geolocation data –which may include, city, state, and country and location associated with your I.P. address.
   • Characteristics of protected classifications under California or federal law,such as age, citizenship, and marital status.
   • Preferences –such as your preferences for receiving our marketing communications and privacy choices.
   • User-generated content –such as questions, messages, reviews, blog posts, and other content or information that you generate, transmit, or otherwise make available, as well as associated metadata. Metadata includes information on how, when, where and by whom a piece of content was collected and how that content has been formatted or edited. Metadata also includes information that users can add or can have added to their content, such as keywords, geographical or location information, and other similar data.
   • Promotional information –including information you share when you enter a competition, promotion or complete a survey. Please note that if you participate in a sweepstakes, contest, or giveaway, we may ask you for your contact data to notify you if you win or not, to verify your identity and/or to send you prizes. At time, we may need additional information as a part of the process, such as a prize selection choice. These sweepstakes and contests are voluntary. We recommend that you read the rules and other relevant information for each sweepstakes and contest that you enter.
   • Financial information –such as student loan, personal, credit card, and mortgage account number(s); banking details; tax information, expenses, stock, equity details, including financial account details of linked financial accounts via Relay.
   • Information Technology (IT) information –information required to provide access to Level Lending’s banking systems such as IP addresses, log files, and login information.
   • Your contacts and their information –With your permission, We access information about your contacts when you import or synchronize your contacts with our services and applications. We use this information to help you send money and referrals. You have the ability to unlink or disconnect your contacts at any time. When you unlink or disconnect your contacts, Level Lending no longer has access to your contacts. Further, Level Lending does not store or retain information related to your contacts.
   • Audio, electronic, visual, or similar information, including recordings of calls and online user sessions.We collect and use this information to measure and improve our member relationship protocols, to train and educate employees, and for compliance purposes.
   • Level Lending’s community profile –We collect photos, contact information, email addresses, videos, and other content you post to your profile. Please note that all information posted on Level Lending’s Community site is available to everyone using that service. The information you share is available to everyone accessing that service, and may be read, collected, or used by others for any purpose, including sending you unsolicited messages.

You can turn off social sharing at any time

• Other information –not specifically listed here, which we will use as described in this Privacy Policy or as otherwise disclosed at time of collection.

Sensitive Personal Information We Collect

 

• Unique Identifiers –Your social security, driver’s license, state identification card, or passport number.
• Financial accounts –We collect account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account.
• Precise geolocation data –With your consent, we collect precise geolocation data (any data that is derived from a device and that is used or intended to be used to locate a consumer within a geographic area that is equal to or less than the area of a circle with a radius of 1,850 feet)
• Biometric data –As part of the verification process, we collect biometric information from government IDs and images to verify your identity.

1. Third-party sources. We also may receive information about you from third parties. In some cases, we combine personal information we receive from you with personal information we obtain from other sources. We receive information from the following categories of sources.

 

• Data providers,such as information services and data licensors that provide demographic information, mailing addresses, and other information, (e.g., data aggregators, data compilers, data compilers/originators).
• Marketing and Advertising Partners,such as joint marketing partners and event co-sponsors.
• Public sources,such as government agencies, public records, social media platforms, and other publicly available sources (e.g., public record sources and collection agencies).
• Consumer Reporting Agencies
  As a company engaged in lending, Level Lending both receives and transmits data to consumer reporting agencies. We partner with these agencies to assess your creditworthiness and to prevent fraud and identity theft. This is done as part of our regular underwriting, fraud prevention and loan servicing processes.
  • Information about open and closed credit accounts, including the date opened, the date closed (if applicable), the latest reported monthly balance and monthly payment
  • Information about credit inquiries
  • Information about past due payments and collection actions occurring on open and closed credit accounts
  • Information regarding public records of bankruptcy, judgements, tax liens, and other payment statuses.

1. Agencies to whom complaints have been submitted regarding Our services/products

Financial regulators, consumer protection agencies, and other businesses may share information, typically with your consent and knowledge, regarding complaints you submitted related to Level Lending and its products or services.

1. Our Level Lending companies and/or Affiliates
2. Automatic data collection.We, our service providers, and our business partners may automatically log information about you, your computer or mobile device, and your interaction over time, our communications, and other online services, such as:

 

• Device data,such as your computer’s or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet), IP address, unique identifiers (including identifiers used for advertising purposes), language settings, mobile device carrier, radio/network information (e.g., Wi-Fi, LTE, 3G), and general location information such as city, state or geographic area..
• Online activity data,such as pages or screens you viewed, how long you spent on a page or screen, the website you visited before browsing to the Website, navigation paths between pages or screens, information about your activity on a page or screen, access times and duration of access, and whether you have opened our emails or clicked links within them.
• Location data,such as city, state, country, and location associated with your I.P. address.

1. Cookies and similar technologies.Some of the automatic collection described above is facilitated by the following technologies:

1. • Cookies,which are small text files that websites store on user devices and that allow web servers to record users’ web browsing activities and remember their submissions, preferences, and login status as they navigate a site. Cookies used on our sites include both “session cookies” that are deleted when a session ends, “persistent cookies” that remain longer, “first party” cookies that we place and “third party” cookies of our third-party business partners and service providers.
   • Logical storage technologies,like HTML5, that provide cookie-equivalent functionality but can store larger amounts of data on your device outside of your browser in connection with specific applications.
   • Web beacons,also known as pixel tags or clear GIFs, which are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked.
   • Session Replay Technologies.We may use third party services provided by Glassbox that employ software code to record users’ interactions with the Website in a manner that allows us to watch DVR-like replays of those user sessions. The replays include users’ clicks, mobile app touches, mouse movements, scrolls and keystrokes/key touches during those sessions. These replays help us diagnose usability problems and identify areas for improvement. You can learn more about Glassbox at https://www.glassbox.com/privacy-policy and you can learn how to opt-out from Glassbox collection by contacting them at privacy@glassboxdigital.com.

4. Retention of Personal Information

We use the following factors to determine the retention period of personal information:

• to maintain an ongoing relationship with you as a customer, member, or business contact (for example, when you are a recipient of any of our financial services/products);
• to perform under applicable terms and services to which You agreed;
• as necessary in connection with the lawful purposes set out in this Notice;
• to comply with applicable laws; and
• to establish, exercise or defend our legal rights.

5. How We Use Your Personal Information

We may use your personal information for the following purposes or as otherwise described at the time of collection:

Provide Financial Services and Products. We use your personal information to provide you with financial services and products.

• Review your application and determine eligibility for financial products and services;
• process transactions and payments, fulfill orders, and verify your customer information;
• provide, operate, and maintain your Level Lending financial accounts and services;
• communicate with you about our products and services, your financial accounts, investments, including by sending announcements, updates, security alerts, and support and administrative messages;
• provide support for the Website, our financial services, and products, and respond to your requests, questions, and feedback.

Website and application delivery. We may use your personal information to:

• provide, operate, and improve the Website, application, our services, and our business;
• establish and maintain your user profile on the website or application;
• enable online security features, such as by remembering devices from which you have previously logged in;
• understand your needs and interests, and personalize your experience with the Website and our communications; and
• provide support for the Website, our financial services, and products, and respond to your requests, questions, and feedback.

Research and development and business promotion. We may use your personal information for research and development purposes, including to analyze and improve the Website and our business, and for business promotion purposes. As part of these activities, we may create aggregated, de-identified or other anonymous data from personal information we collect. We make personal information into anonymous data by removing information that makes the data personally identifiable to you. We may use this anonymous data and share it with third parties for our lawful business purposes, including to analyze and improve the Website and promote our business.

Marketing and advertising. We, our service providers, and our third-party advertising partners may collect and use your personal information for marketing and advertising purposes:

• Direct marketing.We may send you direct marketing communications. You may opt-out of our marketing communications as described in the Opt-out of marketing section below.
• Interest-based advertising.If used, Our third-party advertising partners may use cookies and similar technologies to collect information about your interaction (including the data described in the automatic data collection section above) with the Website, our communications, and other online services over time, and use that information to serve online ads that they think will interest you. This is called interest-based advertising. We may also share information about our users with these companies to facilitate interest-based advertising to those or similar users on other online platforms. To opt out of sharing information for this purpose, please visit “How to Exercise Your Right to Opt Out of the Sharing of Personal Information” on this page for instructions.

Meet compliance and legal obligations. We may use your personal information to:

• comply with applicable laws, lawful requests, and legal process, such as to respond to subpoenas or requests from government authorities;
• protect our, your or others’ rights, privacy, safety, or property (including by making and defending legal claims);
• audit our internal processes for compliance with legal and contractual requirements or our internal policies;
• enforce the terms and conditions that govern the Website and app.

Fraud Detection and prevention. We may use your personal information to:

• prevent, identify, investigate, and deter fraudulent, harmful, unauthorized, unethical, or illegal activity, including cyberattacks and identity theft.

With your consent. We may specifically ask for your consent to collect, use, or share your personal information, such as when required by law. Cookies and similar technologies. In addition to the other uses included in this section, we may use the Cookies and similar technologies described above for the following purposes:

• Technical operation.To allow the technical operation of the Website, such as by remembering your selections and preferences as you navigate the Website.
• To enhance the performance and functionality of our Website.
• To help our third-party advertising partners collect information about how you use the Website and other online services over time, which they use to show you ads on other online services they believe will interest you and measure how the ads perform.
• To help us understand user activity on the Website, including which pages are most and least visited and how visitors move around the Website, as well as user interactions with our emails. For example, we use Google Analytics for this purpose. You can learn more about Google Analytics and how to prevent the use of Google Analytics relating to your use of our sites here: https://tools.google.com/dlpage/gaoptout?hl=en.

6. Our Disclosure of Your Personal Information for Business Purposes

We may share your personal information with the following parties and as otherwise described in this Privacy Policy or at the time of collection.

Service providers. Third parties that provide services on our behalf or help us or our business (such as data cloud providers, information technology, customer support, email delivery, marketing, consumer research and website analytics).

Advertising partners. Third-party advertising companies for the interest-based advertising purposes described above.

Third parties designated by you. We may share your personal information with third parties where you have instructed us or provided your consent to do so. We will share personal information that is needed for these other companies to provide the services that you have requested.

Business and marketing partners. Third parties with whom we co-sponsor events or promotions, with whom we jointly offer products or services, or whose products or services may be of interest to you.

Lending partners and networks.  We may share your information with lending partners and networks to help you obtain financial services for which Level Lending may not be able to provide or for which you expressed an interest.

Professional advisors. Professional advisors, such as lawyers, auditors, bankers, and insurers, where necessary in the course of the professional services that they render to us.

Legal authorities. Law enforcement, government authorities, regulatory agencies, and third parties, as we believe in good faith to be necessary or appropriate for the compliance and protection purposes described above, and in compliance with applicable law.

Business transferees. Acquirers and other relevant participants in business transactions (or negotiations of or due diligence for such transactions) involving a corporate divestiture, merger, consolidation, acquisition, reorganization, sale or other disposition of all or any portion of the business or assets of, or equity interests in, Level Lending or our affiliates (including, in connection with a bankruptcy or similar proceedings). Other users and the public. Your user-generated content may be visible to other users of the Website and the public. For example, other users of the Website or the public may have access to your information if you provide comments, reviews, blog posts, messages or share other content. This information can be seen, collected, and used by others, including being cached, copied, screen captured or stored elsewhere by others (e.g., search engines), and we are not responsible for any such use of this information.

 

 

7. The Categories of Third Parties with Whom We Disclose Your Personal Information for Business Purposes

The below chart includes information about the categories of personal information, including sensitive personal information that we disclose for a business purpose and the reasons for disclosing the information.

Category of Personal Information	Types of Third Parties to Which the Personal Information Was Disclosed for a Business Purpose	Business Purpose for Disclosing Personal Information
Identity information	• Service providers • Advertising Partners • Third parties designated by you • Business and marketing partners • Professional advisors • Legal Authorities • Business transferees • Other users and the public	• Provide financial services and products • Website and application delivery • Research and development and business promotion • Marketing and advertising • Compliance and legal obligations • Fraud detection and prevention • Consent
Profile information
Contact information
Employment information
Internet or other electronic network activity information (device data, online activity data)
Preferences
Geolocation Data, such as the physical location of your device. (NOT Precise geolocation)	• Service providers • Third parties designated by you • Professional advisors • Legal Authorities • Business transferees	• Website and application delivery • Research and development and business promotion • Compliance and legal obligations • Fraud detection and prevention • Consent
Audio, electronic, visual, or similar information, including recordings of calls and online user sessions.	• Service providers • Third parties designated by you • Professional advisors • Legal Authorities
Level Lending Community Data	• Service providers • Advertising Partners • Third parties designated by you • Business and marketing partners • Professional advisors • Authorities and others • Business transferees • Other users and the public	• Research and development and business promotion • Consent
Inferences, drawn from any of the information identified above to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.		• Provide financial services and products • Website and application delivery • Research and development and business promotion • Marketing and advertising • Compliance and legal obligations • Fraud detection and prevention • Consent
Categories of Sensitive Personal Information
Unique Identifiers – Your social security, driver’s license, state identification card, or passport number.	• Service providers • Advertising Partners • Third parties designated by you • Business and marketing partners • Professional advisors • Legal Authorities • Business transferees • Other users and the public	• Provide financial services and products • Website and application delivery • Research and development and business promotion • Marketing and advertising • Compliance and legal obligations • Fraud detection and prevention • Consent
Financial accounts
The contents of a consumer’s mail, email, and text messages unless the business is the intended recipient of the communication.	• Service providers	• To provide customer support and service • To analyze and improve our products and services
Precise geolocation data – (any data that is derived from a device and that is used or intended to be used to locate a consumer within a geographic area that is equal to or less than the area of a circle with a radius of 1,850 feet,	• Service providers	• Consent
Biometric data – As part of the verification process, we collect biometric information from government IDs and images to verify your identity.	• Service providers • Third parties designated by you • Professional advisors • Authorities and others	• Compliance and legal obligations • Fraud detection and prevention • Consent

 

8. Sale/Sharing of Personal Information

Level Lending may share for cross-contextual advertising the following categories of personal information.

Identity information, profile information, contact information, Internet, or other electronic network activity information, Level Lending financial data (i.e., account balance size, number of invest trades, etc.), demographic information (age, is a student/is not a student), and combinations of this data to infer interest/relevance.

If you would like to opt out of the sharing/selling of your personal information for cross-contextual behavioral advertising, please visit “How to Exercise Your Right to Opt Out of the Sharing of Personal Information” on this page for instructions.

9. Security

Level Lending takes the privacy and security of its members’ personal information seriously. We maintain administrative, technical, and physical safeguards designed to protect your information’s security, confidentiality, and integrity.

10. Your Personal Information Choices

You may have additional choices if you are from California and Nevada. Please see below if you are a resident of those areas.

We want you to be aware of the choices you have in limiting the sharing of your personal information.

Direct Mail Opt-Out

To opt out of Level Lending’s marketing and advertising campaigns conducted via direct/postal mail, please make your request at https://level-lending.com/do-not-sell-my-personal-information/

Access or Update Your Information (Registered Users)

If you have registered for an account with us through the Level-lending.com Website, you may review and update certain account information by logging into your account.

• We want to provide you with the resources you need to keep your information with us correct and current. To update your profile, visit “My Profile” after logging into your account. This section of the site is password-protected to safeguard your information. As a registered user, you can update your password, physical address, phone numbers, education, and employment information at any time on the Website. If you need to change any other information in your profile, please contact our customer service hotline at 888.619.1770

Correcting Information Maintained by the National Credit Reporting Agencies

Information related to your creditworthiness is maintained by the national credit reporting agencies. If you find that there is an error or you want to dispute the information found in your credit report, please contact the credit reporting agencies.

• Equifax – https://www.ai.equifax.com/
• Experian – http://www.experian.com/
• TransUnion – https://dispute.transunion.com/

Do Not Track. Some Internet browsers may be configured to send “Do Not Track” signals to the online services that you visit. If your browser is set to “Do Not Track” or “Send a Do Not Track Request,” we interpret this as a valid request to not sell or share the personal information for that browser or device.

Communication Preferences

Level Lending registered users can manage their communication preferences via the “My Profile” section of the site after logging into their account.

Affiliate and Non-Affiliate Data Sharing Preferences

Level Lending registered users can manage their preferences by contacting customer service at 888.619.1770. This is a limited right and only applies in certain cases. Review our U.S. Consumer (GLBA) Privacy Notice to learn when the right applies.

Personal Information Privacy Choices

Level Lending registered users can opt out of the sharing of their personal information for behavioral advertising and limit the use of their sensitive personal information via their Level-lending.com profile. Simply log into your account on the Website or app, browse to your Profile and locate the “Personal Information Privacy Preferences.” Toggle the button to make your choice regarding “Sharing of your personal information for cross-contextual advertising” and “Limit the Use of Sensitive Personal Information.”

Declining to provide information

We need to collect personal information to provide certain services. If you do not provide the information we identify as required or mandatory, we may not be able to provide those services.

11. Relay Insights

If you use Level Lending’s Relay Insights service, please read the following information.

Level Lending offers personal financial management tools to aggregate and view your financial information from multiple accounts. Level Lending offers these tools under the product name of “Relay Insights.” The information compiled may include accounts held at Level Lending and at external financial institutions, such as a bank account. If you choose to connect an external account in Relay, referred to as a “Connected Account,” you authorize Level Lending to obtain information from the external account and use it as described below.

• To obtain information from a Connected Account, Level Lending Acts as Your Agent.If you elect to connect an external account to Level Lending, Level Lending will connect to the account and obtain information at your direction and as your agent. Level Lending does not warrant that the information obtained from the external account is accurate, complete, or non-infringing.
• Level Lending will obtain your account information.If you elect to connect an external account to Level Lending, Level Lending will obtain information from those Connected Accounts. The specific information Level Lending obtains may vary by institution and account type. You should assume Level Lending will obtain from the account any transactional and balance information from the linked accounts.. For example, if you connect a bank account to Relay, Level Lending can collect information from the account, including balance and transaction information, such as amount of payments, debits, and deposits. If you connect a loan account from an external institution, Level Lending can collect loan balance, interest rate on the loan, and your payment history.
• Use of Plaid Services.To connect an account, Level Lending requires you to use a service offered by Plaid Inc. (“Plaid”). By using this service, you acknowledge and agree that Plaid’s Privacy Policy will govern Plaid’s use of information it collects about you or that you provide to Plaid, and you expressly agree to the terms and conditions of Plaid’s Privacy Policy. Further, you expressly grant Plaid the right, power, and authority to access and transmit your information as reasonably necessary for Plaid to provide the Services to you. To the extent you previously utilized account linking and aggregation services through Level Lending’s previous service provider, Quovo, Inc., you expressly authorize Quovo, Inc. to transmit any information or data in connection with those services to Plaid so that Plaid can offer you its account linking and aggregation Services.
• Use of information from Connected Accounts.If you elect to connect an account through any Level Lending service provider, Level Lending may use the information from the connected account for any purpose permitted by Level Lending’s Privacy Policies, including use of the information to identify products and services that may be of interest to you, sharing information with affiliated companies to offer products and services to you, and identifying if you would be likely to be eligible for certain products and services.
• Level Lending’s Relay tools are intended to provide only aggregation and viewing services for your financial information. The Level Lending Relay tools and services are not intended to provide any financial planning, investment, tax, or retirement planning services or advice. Level Lending does NOT undertake any review of your account information to provide you with any advice or guidance. Level Lending does not make any determination about the suitability or appropriateness of any transactions you might undertake at Level Lending or elsewhere. No funds are transferred between accounts connected via Relay. If you elect to use Relay, you are fully and solely responsible for your accounts and agree Level Lending’s only role is to aggregate and compile data to information for viewing by you.
• If you would like to delete a connection from Level Lending Relay, you may do so from your account or by calling 888.619.1770.

11. Credit Score Monitoring. If you opt-into Level Lending’s Credit Services Monitoring, the following will apply to you:

Level Lending offers you the opportunity to obtain your credit score from a single credit reporting agency for the purpose of allowing you to monitor your credit score. Obtaining the service also enables Level Lending to offer you additional tools related to your credit information. When you elect to use credit score monitoring, you agree to the following terms and conditions:

• You authorize and instruct Level Lending to obtain your full credit reporting information from a credit reporting agency on a regular recurring basis (e.g., weekly) until such time that you terminate the Credit Score Monitoring.
• Level Lending’s service includes presenting your credit score and other elements in your credit report to you. Level Lending does NOT undertake any responsibility to monitor your credit report for activity, identify theft, or any other actions. Level Lending’s service enables YOU to monitor your credit score.
• The credit score obtained by Level Lending and presented to you is for your own use and for your education.
• The credit score is obtained from a single credit reporting agency and may be different from the credit reporting information used by other institutions or lenders or creditors.
• If Level Lending provides any simulations or hypothetical estimates of credit score changes, these are for educational purposes only and are not a guarantee of any outcome.
• Level Lending will obtain and keep your credit reporting information and use it for the purposes permitted in Level Lending’s Privacy Notice. Level Lending’s uses of you information may include:
  • Level Lending may use your credit information to serve targeted advertisements to you and other communication based on your information.
  • Level Lending may present offers to you for other Level Lending products and services using your credit information to identify if you are likely to be eligible or interested.
  • Level Lending may use your credit information for statistical analysis to improve Level Lending products and services.
  • You may obtain your own credit report without using Level Lending. You have the right to a free credit report from the website AnnualCreditReport.com or by calling (877)322-8228.

 

12. At Work

Level Lending At Work is a platform We provide to client(s). Your employer may have provided our service(s) to you as an employee benefit. If you interacted with us via the Level Lending at Work Dashboard or platform, this Notice covers your use of those tools and services.

13. Links to Other Services or Applications

This Notice applies only to Level Lending’s Website and services. The Website and services may contain links to other Websites or apps or may forward users to other Websites or apps that We may not own or operate and to which this Notice does not apply. We neither can control nor are responsible for the privacy practices or content of these Websites or apps. We suggest reading the privacy notices of these Websites or app providers or contacting them directly for information on their privacy practices. Nonetheless, We seek to protect the integrity of our Service and Welcome any feedback about these linked Websites and mobile applications.

14. Information of Children

Our services are not intended for children under 18 years of age. We do not knowingly collect personal information from an individual under age 18. If You are under the age of 18, please do not submit any personal information through the Website, app, or service. If You have reason to believe that We may have accidentally received personal information from an individual under age 18, please contact us immediately at 888.619.1770.

We do not knowingly collect, sell, or share the personal information of children under the age of 16.

15. Complaints and Concerns

Level Lending takes your privacy seriously and maintains a process to respond to your concerns regarding violations of this Policy. If you believe that We haven’t complied with this policy in regards to your personal information or have questions regarding your privacy with us, please call us at 888.619.1770. If you are reporting non-compliance with this Privacy Policy, please describe the issue in as much detail as possible without disclosing any sensitive information about you or third parties.

16. California Privacy Rights

This section applies solely to residents of California and their personal information that is subject to the California Consumer Privacy Act (CCPA). The CCPA allows exceptions for, therefore, does not apply to the following:

• Publicly available information made lawfully available from government records.
• Information that is deidentified, meaning that the information is rendered so that it cannot reasonably be used to infer information about or link to a specific person.
• Information subject to other laws, such as the following:
  • Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (“FCRA”), the Gramm-Leach Bliley Act (“GLBA”) or California Financial Information Privacy Act (“FIPA”), and the Driver’s Privacy Protection Act of 1994.

California residents have the right to

• know what personal information We have collected about you, including the categories of personal information, the categories of sources from which the personal information is collected, the business or commercial purpose for collecting, selling, or sharing personal information, the categories of third parties to whom the business discloses personal information, and the specific pieces of personal information the business has collected about you;
• request the deletion of certain personal information collected by Us;
• correct Inaccurate personal information;
• know/access or receive a disclosure of your personal information;
• know what personal information is sold or shared and to whom;
• opt-out of the sale or sharing of your personal information;
• in certain cases, limit the use and disclosure of sensitive personal information; and
• no retaliation for opting out or exercising any other rights, including an employee’s right not to be retaliated against for the exercise of their CCPA rights.

– How to Exercise Your Rights to Know (Access), Delete, or Correct Your Personal Information

We must verify your identity before processing most requests, which may require you to provide additional information. In some instances, We may not be able to honor your request, such as when an exception applies or when We cannot verify your identity.

You may submit a request by calling us at 888.619.1770.

We will strive to honor requests within forty-five (45) days of receipt, unless We are unable to process your request in such a time, in which case We will provide you with an explanation for the delay.

– How to Exercise Your Right to Opt Out of the Sharing of Personal Information

Registered Users

Level-lending.com registered users may opt out of the sharing of their personal information for cross-contextual behavioral advertising by completing the information on https://level-lending.com/do-not-sell-my-personal-information/

– Unregistered visitors or Logged out Level-lending.com Users

Click here or the “Privacy Choices” link at the bottom of the page.

– How to Exercise Your Right to Limit the Use of Sensitive Personal Information at Level-lending.com

Click here or the “Privacy Choices” link at the bottom of the page.

– How to Exercise Your Right to Limit the Use of Sensitive Personal Information at Lanterncredit.com

Click here or the “Privacy Choices” link at the bottom of the page.

– Submitting Requests on Another’s Behalf/Authorized Agents

If you intend to submit a request for deletion, access, or correction on behalf of someone else, you must provide us with appropriate power of attorney, guardian, conservator, or trustee document(s) confirming you have the authority to act on behalf of the individual for whom you are submitting the request. To submit a request on behalf of someone else, please call us at 888.619.1770.

 

– Opt-Out preference signal (Valid request to not sell/share personal information)

Level Lending processes browser opt out/do not track signals in a frictionless manner. If your browser is set to “Do Not Track” or “Send a Do Not Track Request,” we interpret this as a valid request to not sell or share the personal information for that browser or device.

17. Your Nevada Privacy Rights

Senate Bill No. 220 (May 29, 2019) amends Chapter 603A of the Nevada Revised Statutes to permit a Nevada consumer to direct an operator of an Internet Website or online service to refrain from making any sale of any covered information the operator has collected or will collect about that consumer. You may submit a request pursuant to this directive by calling us at 888.619.1770.

 

We will provide further information about how We verify the authenticity of the request and Your identity.

18. How to Contact Us

– Phone: If you have any questions about Level Lending’s privacy practices, please call us at 888.619.1770.

-Web: You may exercise your privacy rights by submitting a request in this https://level-lending.com/do-not-sell-my-personal-information/

 

Privacy Policy For Level Lending

At Level Lending, we are committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, store, and share data
collected through our SMS messaging service. By opting in to receive SMS messages from us, you consent to the practices described in this Privacy Policy.

Types of Data We Collect:
We may collect the following types of data:

• Mobile phone number
• Name (if provided)
• Message content and responses

How We Collect Data:

We collect data directly from you when you opt in to receive SMS messages from us. This may include providing your mobile phone number and name (if provided) through a signup form or by texting a keyword to a designated number.

How We Use the Data We Collect:

We use the data collected for the following purposes:

Sending promotional offers, updates on products or services, event notifications, and other relevant communications via SMS Analyzing engagement and effectiveness of SMS campaigns

Providing customer support and responding to inquiries

How We Store Data:
We store your data securely and take appropriate measures to protect it against unauthorized access, disclosure, alteration, or destruction. Your data is stored in encrypted
databases and access is restricted to authorized personnel only.

Rights and Choices Consumers Have:
You have the following rights and choices regarding your data:

You can opt out of receiving SMS messages from us at any time by replying with the word “STOP” to the number from which you received the messages.

You can request access to, correction of, or deletion of your personal information by contacting us using the contact information provided below.

Sharing or Selling Data to Third Parties:
Your SMS information will not be shared or sold with any third parties.

Compliance with U.S. and Canada Laws:
We comply with applicable laws and regulations governing SMS privacy in both the United States and Canada, including the Telephone Consumer Protection Act (TCPA) in the U.S. and the Canadian Anti-Spam Legislation (CASL) in Canada.

If you have any questions or concerns about our SMS Privacy Policy or our data practices,

please contact us at [Contact Information].

Level Lending
888-922-4015

Last updated: February 11, 2020

This Online Privacy Policy applies to level-lending.com , owned and operated by LEVEL LENDING. (sometimes referred to as “Company”), and any Company affiliate or subsidiary online interface that links to this Policy, (each, a “Site,” and collectively, the “Sites”). This Policy describes how LEVEL LENDING collects and uses the personal information you provide. It also describes the choices available to you regarding the use of, your access to, and how to update and correct your personal information.

Agreement to this Policy: By using this Site you consent to this Online Privacy Policy, including your consent to our use and disclosure of information about you in the manner described herein.

Collection and Use of Personal Information

We collect the following personal information from you.

• Contact Information such as name, email address, mailing address, phone number.

We collect this information when you

• Sign up for our newsletter or email list
• Contact us with questions or request more information about our products or services

We use this information to

• Provide you with requested product or service information
• Respond to customer service requests
• Send you a newsletter
• Send you marketing communications
• Respond to your questions and concerns

Information Obtained from Third Parties

We purchase marketing data about our customers from third parties and combine it with the personally identifiable information customers provide us, to offer advertising and products in which we think our customers will be interested. We do not disclose this information to any third parties other than agents or service providers working on our behalf. Those agents or service providers are obligated to use this information only for the purpose for which we provided it to them.

Information Sharing

We will share your personal information with third parties only in the ways that are described in this privacy statement. We do not sell, rent, trade, or otherwise share your personal information with third parties without first providing you notice and choice.

We may provide your personal information to agents or service providers acting on our behalf for limited purposes. For example, we may share personal information with our agents or service providers to ship your order, or send you email on our behalf. These third parties are authorized to use your personal information only to perform the service they are providing for us.

We reserve the right to disclose your personal information as required by law (e.g., to comply with a subpoena, warrant, court order, or similar legal process served on our website) and when we believe that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, and/or respond to a government request. In certain situations, we may be required to disclose personal data in response to lawful requests by public authorities, including meeting national security or law enforcement requirements.

In the event level-lending.com goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred. You will be notified via email and/or a prominent notice on our website of any such change in ownership or control of your personal information, as well as any choices you may have regarding your personal information.

Choice/Opt-Out

You may opt-out of receiving our newsletter or marketing emails from us by following the unsubscribe instructions included in each newsletter or marketing email or you can contact us at contact@level-lending.com

Legitimate Interests

We use cookies, log files, enhanced email, connected mobile, and connected TV communications for our legitimate interests of providing you with relevant and personalized interactions, in accordance with Article 6(1)(f) of the GDPR.

Cookies and Other Tracking Technologies

Cookies

A cookie is a digital file that contains a string of text, storing information. Commonly, web servers which host and maintain websites send cookies to your computer. They are usually stored on your computer via your web browser. The web browser communicates information related to your interactions with the website, back to the web server of the website. This is a common way to drive personalization across internet enabled devices, as the storing of this information allows the website to know what it should know about you based on what you previously looked at or interacted with.

LEVEL LENDING and our partners use cookies or similar technologies to analyze trends, administer the website, track users’ movements around the website, and to gather demographic information about our user base as a whole. You can control the use of cookies at the individual browser level lending, but if you choose to disable cookies, it may limit your use of certain features or functions on our website or service.

Log Files

A log file is a digital file that records interactions between software systems. Log files exists across all internet and IP enabled devices, including the connected mobile, connected TV, and enhanced email tactics described herein. Device type and location using latitude and longitude coordinates can also be stored.

As is true of most websites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or page views.

We use this information to analyze trends, to administer the site, to track users’ movements around the site and to gather demographic information about our user base as a whole.

We may record your IP addresses when you place an order through our site in order to detect and prevent fraud.

We partner with a third party to either display advertising on our website or to manage our advertising on other sites. Our third party partner may use technologies such as cookies to gather information about your activities on this website and other sites in order to provide you advertising based upon your browsing activities and interests. If you wish to not have this information used for the purpose of serving you interest-based ads, you may opt-out by clicking here http://preferences-mgr.truste.com/ (or if located in the European Union click here). Please note this does not opt you out of being served ads. You will continue to receive generic ads.

Connected Mobile Communications

Through highly selective and privacy compliant partners, LEVEL LENDING may also use connected mobile devices to extend the reach of their marketing and advertising initiatives to maximize relevance for the client experience. Mobile devices may have cookies, but mainly use specifically anonymized device identifiers. Apple devices use the Apple ID for Advertising (IDFA) and Android devices user the Android Advertising ID (AAID). Unlike Cookies, IDFAs and AAIDs do not expire. Apple and Android customers must manually change their IDs on their specific devices, and may do so at any time.

Connected TV Communications

Through highly selective and privacy compliant partners, LEVEL LENDING may also utilize addressable TV integrations in our marketing and advertising communication tactics. Set-top boxes (cable boxes) are assigned Subscriber IDs that represent a customer’s viewership preferences in a privacy compliant and anonymous fashion. Unlike Cookies, these Subscriber IDs do not expire. Customers of these cable providers must inform their cable providers if they would like to opt-out of targeted advertising content.

Enhanced Email Communications

Email marketing communications that you may receive from LEVEL LENDING may contain code that operates similar to a cookie, called a pixel. Pixels are usually short lines of HTML code that are activated when you open or click content within an email. Measuring and analyzing these interactions enable more contextual and personalized email communications, as well as inform tactics across connected mobile and connected TV tactics through the process of data onboarding.

Data Onboarding

Through highly selective and privacy compliant partners, LEVEL LENDING may engage in the process of transforming offline data into an online environment, or transforming online data into an offline environment. Such a process will entail at the very least, the anonymized matching of customer data across disparate data sets. The anonymization will ensure consumer privacy while still facilitating contextual relevance of the data. Once anonymized, this data would be shared with our advertising platform partners for marketing and advertising activities.

Correcting and Updating Your Personal Information

Upon request we will provide you with information about whether we hold any of your personal information. If you wish to request access, or deletion of your personal information please contact us at contact@level-lending.com.

We will respond to your request within a reasonable timeframe.

Data Retention

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. Cookies and Devices will be stored in the DMP for up to 90 days, but could be stored with our advertising partners up to 180 days.

Links to Other Websites

Our site includes links to other websites whose privacy practices may differ from those of level-lending.com. If you submit personal information to any of those sites, your information is subject to their privacy statements. We encourage you to carefully read the privacy statement of any website you visit.

Social Media Widgets

Our website includes Social Media Features, such as the Facebook Like button, and Widgets, such as the Share This button or interactive mini-programs that run on our website. These Features may collect your Internet protocol address, which page you are visiting on our website, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our website. Your interactions with these Features are governed by the privacy statement of the company providing it.

Testimonials

We display personal testimonials of satisfied customers on our website 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 contact@level-lending.com.

Security

The security of your personal information is important to us. We follow generally accepted industry standards to protect 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, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

If you have any questions about security on our website, you can contact us at contact@level-lending.com.

Frames

Some of our pages utilize framing techniques to serve content to/from our partners while preserving the look and feel of our website. Please be aware that you are providing your personal information to these third parties and not to LEVEL LENDING.

Notice to California Residents

If you are a California resident, California law may provide you with additional rights concerning our collection and use of your personal information. After reading this Online Privacy Policy, please click here  to visit LEVEL’s LENDING California Privacy Notice to learn more about your California Privacy Rights.

Notice to Vermont Residents

In response to Vermont regulations, we automatically treat accounts with Vermont billing addresses as if you requested that we not share your information with nonaffiliated third parties, and that we limit the information we share with our affiliates. If we disclose information about you to nonaffiliated third parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact information, and information about our transaction and experiences with you.

Notice to Nevada Residents

We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by requesting that we cease calling you by contacting us directly and making such request in writing at contact@level-lending.com. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132; e-mail: BCPINFO@ag.state.nv.us.

Protecting Children’s Privacy Online

The Site is not directed to individuals under the age of thirteen (13), and we request that these individuals do not provide Personal Information through the Site. We do not knowingly collect information from children under 13. Visit the Federal Trade Commission website for more information about the Children’s Online Privacy Protection Act (COPPA). If you believe that we have received information from a child or other person who is not of a majority age in their relevant jurisdiction, please contact us at our email or physical mailing address listed in the “Get In Touch” section below and we will take all reasonable efforts to remove the information.

Notification of Privacy Statement Changes.

We may update this policy from time to time as our information practices are modified or changed. If we make changes to the Privacy Notice, we will revise the “Last Updated” date at the top of this Notice. Any changes to this Notice will become effective when we post the revised Notice on the Site. Your use of the Site following these changes means that you accept the revised Notice.

Contact Information

You can contact us by writing or email us at the address below.

LEVEL LENDING

ATTN: CA Privacy Policy

970 Reserve Dr #201,
Roseville, CA 95678

contact@level-lending.com

888-922-4015

Call Monitoring

Please note that all calls with the company may be recorded or monitored for quality assurance and training purposes.

Please print and retain a copy of this privacy policy for your records.