Privacy Policy

Thank you for using the website (the "Site"). This document outlines our privacy guidelines, to which you agree by using this Site. We understand that you value your privacy, and we strive to respect that privacy when you are using our Services. By using the website, you are consenting to the information handling practices described in this policy.

For the purposes of this Privacy Policy, "you" or "your" refers to the person(s) using this Site or the products or services offered through this Site ("Services"). "We" or "us" refers to BetterDime or its affiliated entities.

What Categories of Personal Information Do We Collect?

In order to use our Site and some of our Services, you may be required to register and provide us with certain Personal Identifiable Information ("Personal Information").

Identifiers: This category may include your name, telephone number, postal address, zip code, unique personal identifier, online identifier, IP address, account name, and other similar identifying details.
Personal Information Described Under Cal. Civ. Code § 1798.80(e): This may encompass your insurance policy number, employment status, bank account information, credit card or debit card number, financial information, health insurance information, number of vehicles you own, vehicle identification number, outstanding loan amount, homeowner status, and credit information.
Characteristics of Protected Classifications under California or Federal Law: This may include your age, marital status, medical condition, gender, veteran, or military status.
Commercial Information: This may include information pertaining to products or services obtained, considered, or other purchasing or consuming histories or tendencies.
Internet or other Electronic Network Activity Information: This may encompass information related to your browsing history and search history.
Technical Information: This may include your browser type, referrer URL, date and time of your visit, MAC address, device type, screen resolution, and OS version.
Geolocation Data: This includes your IP location.
Visual and Audio Information: We may employ tools and software to monitor and record information regarding your interactions with the Site and Media Partner sites, including keystrokes, mouse movements, form field entries, and overall engagement. We may also record our marketing calls with you.
Professional or Employment-related Information: This may include consumer-reported current or past job history.
Education Information: This may include information related to your educational level.
Inferences Drawn from the Above: We may gather profile inferences derived from your information and web activity to create a personalized profile, enabling us to better identify goods and services that may be of interest to you.
Sensitive Personal Information: This may include your Social Security number, driver's license number, medical information, and medical condition.

What Are the Purposes for Which We Collect and Use Your Personal Information?

We use the data we collect from and about you through this Site to connect you with Advertising Partners who can provide information about the products and services you are seeking.

We may "sell" or "share" personal information, as those terms are defined under relevant law, and as indicated for each category of personal information listed below. Should you wish to opt out of the sale or sharing of your personal information, you may do so by following the instructions on our Site or by replying "STOP" to any SMS message you receive.

Categories of Third Parties with Whom We Have Disclosed Personal Information for a Business Purpose in the Preceding 12 Months

We may disclose the personal information described above with other businesses, service providers, and third-party websites such as our Media Partners and Advertising Partners for business purposes outlined under "Data Use" and "Data Sharing."

In the event that we go 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.

Categories of Personal Information Sold or Shared in the Preceding 12 Months, Including for the Purposes of Targeted Advertising

We may sell and share the following categories of personal information to Advertising Partners and data aggregators for the commercial purposes described in this Privacy Policy, including for targeted advertising: identifiers, credit information, characteristics of protected classifications under state or federal law, internet or other electronic network activity information, geolocation data, education information, and inferences drawn from the above. We may receive a fee for the transfer of that data or when you purchase a product or service.

Data Collected and Data Sources

Automatically Collected Information

We may collect data that your device provides when you interact with the Site or sites owned by third parties with whom we have contractual relationships ("Media Partners"). In most cases, when you access the Site, we will automatically gather or receive technical data which may include browser type, referrer URL, date and time of your visit, IP address, MAC address, device type, screen resolution, and OS version ("Technical Data"). Technical Data also includes "Cookie and Similar Data" as described below. We (or our third-party vendors) may utilize tools and software (e.g., Jornaya and ActiveProspect) to monitor and record information (including screen and videos) about your interactions with the Site and Media Partner sites, including keystrokes, mouse movements, form field entries, and overall engagement.

Other Data You Provide

We may collect additional data if you choose to engage with the Site or certain sites owned by our Media Partners. We refer to the information you choose to provide as "Provided Attributes." This includes contact information that you choose to provide to us or our Media Partners (e.g., name, address, telephone number) about yourself or others. For instance, if you click on our advertisement located on a Media Partner's site, that Media Partner may transmit your contact information to us. Or, if you inquire about business opportunities, products, and services, the Provided Attributes you may choose to disclose may also include age, gender, number of vehicles owned, and homeowner status. If you inquire about personal loan or related opportunities, products, and services, the Provided Attributes you may choose to disclose may also include employment and financial information.

Third-Party Data

We maintain contractual relationships with advertisers, advertising agencies, and other intermediaries that have advertisers as clients (collectively, "Advertising Partners"). For instance, our lending partner clients are considered Advertising Partners. Our Media Partners and Advertising Partners (collectively, "Partners") may also use third-party cookies and other tracking technologies, such as clear pixel GIFs (i.e., web beacons), to identify you. We and our Partners may use these technologies to gauge responses to emails, interactions with advertisements, page views on this Site and our Partners' websites, and other similar metrics. Among other objectives, we use these technologies to enhance this Site, make this Site more relevant to you, and assess the effectiveness of our email and other advertising campaigns, as well as those of our Partners. You can opt out of some of our and our Partners' use of cookies and other technologies by visiting the respective opt-out pages of Google, the Network Advertising Initiative, Invite Media, and Clicktale.

In some instances, we may combine Technical Data and any Provided Attributes with Third-Party Data. "Third-Party Data" encompasses information we receive from external parties like credit reporting agencies and Partners. Third-Party Data may also include information we use to confirm, supplement, or validate the data you furnish (e.g., phone number, Vehicle Identification Number, outstanding loan amount). Our Advertising Partners may also supply us with information regarding your interaction with their advertised products and services (e.g., whether you acquire their products or services). We may combine Technical Data, Provided Attributes, and Third-Party Data. Please be aware that we will only obtain credit reporting information with your explicit consent.

Cookies

When you use this Site, we may employ a "cookie" or other tracking technology to recognize you or your device. These technologies function as unique identifiers, allowing us to customize this Site to your specific interests and monitor your activity on this Site and across the various devices you utilize. We may leverage this information to present offers and advertisements that we believe are pertinent to your interests.

Certain Sites necessitate cookies to operate efficiently. We may use cookies to deliver advertising we deem relevant to you and to link data collected across other devices you employ.

Data Use

We primarily use the data we collect from and about you through this Site to connect you with Advertising Partners who can furnish you with information about the products and services you are seeking. We generally achieve this using Technical Data and Provided Attributes, though in specific cases (e.g., lending products), we may also utilize Third-Party Data.

We may also use the data we collect from and about you: (i) to respond to your inquiries (e.g., via phone calls or texts); (ii) to keep you informed of our products and services (and those of our Partners); (iii) to enable you to send messages through this Site; (iv) to enhance and safeguard our Sites and business; (v) to fulfill any purchase you make; (vi) to monitor your user experience for compliance verification and litigation purposes; and (vii) to use your data in an aggregated, non-specific format for analytical and demographic purposes. We use Technical Data to monitor this Site's performance, analyze traffic patterns and usage, ensure that this Site and any transactions function correctly, and gather demographic information about our user base. We may employ automated decision-making in segmentation and matching processes.

Data Sharing

In addition to the primary uses described in the "Data Use" section above, we may share your data as follows: (i) with other BetterDime businesses; (ii) with service providers who assist us in compliance and verification activities (e.g., credit agencies), or provide services such as payment processing, IT, and data analysis; (iii) if you choose to send a message through, or contribute to public areas of, this Site (e.g., message boards, blogs);

We may also disclose the data we collect from and about you to (i) comply with legal processes; (ii) to respond to lawful requests from authorities (including public and government authorities outside your state or country of residence, and including to meet national security or law enforcement requirements); (iii) to enforce our Terms of Service and this Privacy Policy; (iv) to protect our business, rights, privacy, safety, or property or that of others; and (v) as necessary under applicable law (including laws outside your state or country of residence).

Third-Party Websites

Please be advised that in certain circumstances, we act as a limited agent for the actual third party lender or seller of the products and/or services available at or through the Site. In these circumstances: (a) you will be redirected to the applicable third party lender's or seller's website after you have submitted your information; (b) we will collect and send your personal information to the respective third party lender or seller in connection with completing your application or purchase from the third party lenders or seller, as applicable; and (c) your application or purchase will subject you to the third party lender's or seller's privacy policy, as applicable. We do not endorse, nor are we responsible for the accuracy of the privacy policies and/or terms and conditions of each of the third party lenders or sellers that may advertise at the website. The entities that advertise and/or place banner ads at the website, including but not limited to these third party lenders and sellers, are independent third parties and are not affiliated with us. If this Site includes any mapping features, those mapping features are powered by Google, Inc. and are governed by Google's privacy policy, as may be amended from time to time.

Social Media Websites

If you engage in any interaction with BetterDime or any third party on any social media pages, you should be aware that: (a) the personal information that you submit by and through such social media pages can be read, collected, and/or used by other users of these websites/services (depending on your privacy settings associated with your accounts with the applicable social media websites), and could be used to send you unsolicited messages or otherwise to contact you without your consent or desire; and (b) where BetterDime responds to any interaction on such social media pages, your account name/handle may be viewable by any and all members of BetterDime's social media presence.

We are not responsible for the personal information that you choose to submit on any social media websites. The social media websites operate independently from BetterDime, and we are not responsible for such social media websites' interfaces or privacy or security practices. We encourage you to review the privacy policies and settings of the social media websites with which you interact to help you understand those social media websites' privacy practices. If you have questions about the security and privacy settings of any social media websites that you use, please refer to their applicable privacy notices or policies.

Security

We have undertaken certain physical, technical, and administrative measures to protect the data we collect from and about Site users. We employ reasonable security measures to help safeguard your personal information from accidental loss, unauthorized use, alteration, or disclosure. However, no electronic data transmission or storage of information can be guaranteed to be 100% secure. Please note that we cannot ensure or warrant the security of any information you transmit to us. We are not responsible if you circumvent any privacy settings or security measures on our Site. You use the Site and provide us with your data at your own risk. If we share data as detailed in this Privacy Policy with a third party, we will use all reasonable efforts to ensure that they keep the information secure and that they only use the information consistent with the terms of this Privacy Policy.

Children

We do not knowingly collect, use, share, or sell the personal information of individuals under the age of 18, and this Site is not directed to individuals under 18. If you become aware that an individual under 18 has provided us with personal information, please contact us through the methods provided on our Site. If we are made aware that we have collected personal information from an individual under age 18, we will delete this information as soon as practicable.

Choices and Access

Marketing Emails

To stop receiving marketing emails from us, please follow the unsubscribe instructions found in our marketing emails or on our Site. Even if you unsubscribe, we may still send administrative (i.e., non-marketing) messages. To unsubscribe from a third party's communications, contact that third party directly or follow the unsubscribe instructions in the applicable marketing email.

Phone Calls and Texts

To opt out of receiving telephone calls or texts from us, please follow the instructions on our Site to be placed on our Do Not Call list or reply STOP to any text message.

Retention Period

We retain Personal Information for as long as is reasonably necessary or relevant for the practices described in this Privacy Policy. We also retain Personal Information as otherwise required by law. The practical duration of retention will vary depending on the type of information and our ongoing business or legal needs for the information.

Information About Consumer Privacy Laws

When we use the term "personal information" (also known as personal data) in this Privacy Policy, we mean information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, to an individual or household. It does not include aggregated, anonymized, or de-identified information (subject to applicable laws, rules, or regulations) that is maintained in a form that is not capable of being associated with or reasonably linked to an individual.

In addition to the disclosures elsewhere in this Privacy Policy, this section outlines (i) the categories and sources of personal information that BetterDime collected, sold, or shared; (ii) the purpose for the collection and disclosure of such personal information; and (iii) the types of third parties to whom BetterDime disclosed such personal information.

Categories of Data BetterDime Collected in the Preceding 12 Months

BetterDime collected the personal information listed above, for the purposes described above under "Data Use." BetterDime generally collects the personal information listed above as Technical Data or Provided Attributes. For example, BetterDime does not create user profiles to determine the gender, marital status, or employment status of consumers. BetterDime may store aggregated data as segments based upon Technical Data and Provided Attributes. BetterDime receives each of those categories of data only as self-reported data from the consumer.

Your Privacy Rights

Depending on your U.S. state of residence, under applicable law, you may have certain rights in relation to your personal information, including:

Right to Know: You may 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 we disclose personal information, and the specific pieces of personal information we have collected about you. You may have the right to access your personal information in a portable format.
Right to Request a Specific List of Third Parties: You may have the right to request a list of the specific third parties with whom we have shared or sold your personal information.
Right to Delete: You may have the right to delete personal information that we have collected from you, subject to certain exceptions. Note that there are some reasons we will not be able to fully address your request, such as if we need to complete a transaction for you, to detect and protect against fraudulent and illegal activity, to exercise our rights, for our internal purposes, or to comply with a legal obligation.
Right to Correct: You may have the right to correct inaccurate personal information that we may maintain about you, subject to appropriate verification.
Right to Opt-Out of the Sale or Sharing of Personal Information: You may have the right to opt-out of the "sale" or "sharing" of your personal information, as such terms are defined in applicable California privacy law, to third parties and to affiliated companies that do not share the same brand name. This means that, if you opt out, going forward, we will not sell or share your personal information with such third parties to use for their purposes, including cross-context behavioral advertising, unless you later direct us to do so.
Right to Opt-Out of Targeted Advertising: You may have the right to opt-out of "targeted" advertising, as such term is defined in applicable privacy law. Opting out does not mean that you will stop receiving ads; it just means that those ads will not be targeted based on your personal information.
Right to Appeal: You may have the right to appeal a decision we have made in connection with your privacy rights request.
Use and Disclosure of Sensitive Personal Information: To the extent that we use or disclose "sensitive personal information" or "sensitive data" as those terms are defined in applicable privacy laws, we limit our use or disclosure of the sensitive personal information for permitted business purposes.

How to Submit a Request

To leverage the privacy rights available to you based on your state of residence, please reach out to us by phone using the number provided on our Site.

BetterDime will confirm receipt of your request and respond as promptly as possible. Given the nature of our Sites, BetterDime might not be able to verify your identity before responding to your request. Consumers who interact with our Sites are not required to establish an account, register, or validate their personal information, and BetterDime does not maintain an ongoing relationship with consumers who provide their personal information. Due to these factors, BetterDime cannot reasonably verify the identity of any consumer based on the information provided through our Sites and through a submitted request. Consequently, it may be challenging for BetterDime to honor privacy rights requests. Instead, BetterDime may, in response to such requests, provide a description of BetterDime's business practices regarding its handling of personal information, including an outline of the categories of personal information collected, maintained, sold, and shared.

To exercise your right to opt out of the sale or sharing of personal information or to opt out of targeted advertising, please follow the instructions in our Site footer (labeled "Do Not Sell or Share My Personal Information") or call us at the number provided on our Site.

Submitting an opt-out request does not necessitate creating an account with us.

To appeal BetterDime's decision regarding a request related to these rights, you may contact BetterDime's legal department through the methods provided on our Site.

Nevada residents may use the contact methods provided on our Site to submit a verified request to instruct us to cease the sale of your covered information.

We will not discriminate against you for exercising your rights under this section of the Privacy Policy.

Agent Requests

Only you, or someone legally authorized to act on your behalf, may submit a request concerning your personal information. You may also submit a request on behalf of your minor child.

Depending on your U.S. state of residence, you may authorize someone to make a privacy rights request on your behalf (an authorized agent). Authorized agents will need to demonstrate that you've granted them permission to act on your behalf. BetterDime reserves the right to request direct confirmation from you, verifying that the agent is authorized to make such a request, or to request additional information to confirm the agent's identity.

Transfer of Personal Information Internationally

If you are accessing the Site from a country other than where our servers are located, your communication with us may result in the transfer of personal information across international borders. By visiting the Site and/or otherwise communicating with us electronically, you consent to such transfers. Even if your jurisdiction does not have the same privacy laws as the jurisdiction where our servers are located, we will treat your information as being subject to the protections described in this Privacy Policy.

Changes to this Privacy Policy

We may modify this Privacy Policy periodically. When we do, we will post an updated version of the Privacy Policy and revise the "LAST UPDATED" date at the top. Your continued use of this Site after we implement any changes signifies your acceptance of those changes and the revised Privacy Policy.

Contact Us

If you have any questions regarding this Privacy Policy, you may: (1) submit an inquiry via the Contact Us page on our Site and select "Other Consumer Issues," or (2) contact our legal department through the methods provided on our Site.