YOUR RIGHTS UNDER THE CCPA
1. General Information
California residents enjoy protections under the California Consumer Privacy Act (CCPA) and related data protection laws. The following table details the categories of personal information we may collect:
- Identifiers — Names, IP addresses, email addresses. Sources include consumers, third-party providers, and marketing partners. Used for us to provide services, market to you, analyze your use, conduct research, maintain security of our systems and operations, and to meet our legal compliance requirements. Shared with lenders, intermediaries, marketing/advertising partners, and service providers.
- California Customer Records — Addresses, Social Security numbers, bank account information. Sources: consumers and third-party providers. Used for similar collection purposes and shared with comparable entities.
- Protected Classifications — Age, military status. Used for service delivery and marketing; shared with lenders and service providers.
- Commercial Information — Product/service navigation data. Used for services and marketing; shared with similar entities.
- Biometric Data — Keystroke data. N/A for sources and purposes.
- Internet Activity — Website/app interactions. Sourced from consumers and browsers; used for services and analysis; shared with marketing and analytics providers.
- Geolocation Data — Location information. Similar sourcing and sharing as internet activity data.
- Sensory Data — Audio/visual information. N/A.
- Employment Information — Employer, employment length. Used for services and marketing.
- Inferences — Preference profiles. Used for service delivery and analysis; shared with data processors and anti-fraud providers.
2. Right to Know
California residents may request knowledge of:
- Personal information categories collected
- Information sources
- Collection purposes
- Third-party sharing categories
3. Additional Privacy Rights
Consumers can:
- Request specific information held
- Request deletion of information
- Opt-out of information sales
- Receive non-discriminatory treatment
Note: You may only make a CCPA-related request twice within a 12-month period.
4. Right to Non-Discrimination
We will not deny services, charge different prices, provide a different level of quality, or suggest that you will receive a different price or quality of services based on your exercise of CCPA rights.
5. Alternative Format
Individuals with disabilities may email us at support@covero.com to request this notice in an alternative format.
6. Authorized Agent
California residents may authorize agents with written documentation to submit requests on their behalf.
7. How to Submit a Request for Specific Information
Send an email to support@covero.com with the subject line "CCPA Request" and include the following:
- Full name
- Physical address
- Phone number
- Email address
- Proof of identity (driver's license or passport)
- Description of the right you wish to exercise
Rights available: access information categories, access specific information, or delete information. We will verify your identity within legal timeframes and then provide information electronically.
8. How to Exercise Your Right to Delete Information
Submit an email to support@covero.com with the subject line "CCPA Right to Request or Delete Information" and include:
- Full name
- Physical address
- Phone number
- Email address
- Date of birth
- Proof of identity (driver's license or passport)
- Description of the right you wish to exercise
The same verification and response process applies.
DO NOT SELL MY PERSONAL INFORMATION
9. Opt-Out Rights
California residents can prohibit the sale of their personal information. Submit an email to support@covero.com with the subject line "CCPA Do Not Sell My Information" and include:
- Full name
- Physical address
- Phone number
- Email address
- Proof of identity (driver's license or passport)
- Description of the right you wish to exercise
We will contact you within 2 business days for identity verification.
10. Opt-Out Consequences
If you opt-out, please note that we will be unable to help you find a loan or other product or services that may be of interest to you through our Network Partners. If you wish to opt back in, you may resubmit a request to allow information sharing for product and service delivery.