Privacy Policy

Information We Collect

1. Identifying Information : We may collect information that could identify you such as your name, address, telephone number, mobile number, email address, and Social Security Number. We may also collect this type of information from you about others, such as co-borrowers.
2. Financial Information : We may also collect your credit history, credit scores, your transaction history, and credit products, rates, and payments in the course of processing any application for our financial company partners’ products or services. For additional information relating to your choices about financial information specifically, see our Consumer Privacy Disclosure.
3. Other Information : We also may collect information such as demographic data, data about your online activity, and other information that is not used to identify you.

How We Collect Information

1. Information provided by you: We collect information from you when you enter it or otherwise provide it in connection with an inquiry into our Services. This information could be provided via an online form, over the phone, or via other means in which you interact with our Services.
2. Information from third parties: Information is collected from credit bureaus, lead generators and other partners who may have data on your financial profile, home, or other demographic information.
3. Information from cookies and other tracking technologies : We use cookies, web beacons, and similar technologies to record your preferences, track the use of our Site and collect information. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you. You may choose to set your web browser to refuse cookies, or to alert you when cookies are being sent. If you do so, please note that some parts of our Sites may not function properly.

How We Use Information

We may use collected information to :

1. Deliver the products and services you requested
2. Improve customer service
3. Improve our Site
4. Personalize your user experience
5. Communicate with you about products or services that may be of interest to you
6. Manage our business

Who Do We Share Your Information With?

• HabitFactory USA Affiliates: We may share information about you or provided by you with the HabitFactory USA affiliates.
• Network Partners: When you submit an inquiry or use another Service provided through the Website, you direct HabitFactory USA to share information about you or provided by you with lenders and other third parties in our network to deliver the products and services you request (collectively, “Network Partners”).
• PLEASE NOTE: The Network Partners that interact with you may retain or use your information whether or not you use their services, and their privacy and information sharing practices are set forth in their respective privacy policies. Pursuant to the contracts between HabitFactory USA and its Network Partners, if you select a Network Partner through our Services, HabitFactory USA may also receive information about you from that Network Partner including, but not limited to, the amount or disposition of your Loan. HabitFactory USA and its Network Partners may exchange information about you, your loan terms, and your accounts for the purpose of providing you with information about financial services and products. HabitFactory USA may maintain this information to assist with litigation, regulatory request(s), law enforcement requests, internal analytics, marketing purposes, and any other legally permissible purpose.
• Financial Companies: We may also share information about you with other Financial Companies with whom we engage in joint marketing efforts, or who offer financial related products or services that you may be interested in. These companies’ privacy and information sharing practices are set forth in their respective privacy policies.
• Other Business Partners: We also may share information about you with other business partners who offer products and services that we believe you may be interested in. Their privacy and information sharing practices are set forth in their respective privacy policies.
• HabitFactory USA Service Providers: We may share information with Service Providers that perform certain services on our behalf including, but not limited to, credit bureaus, marketing partners, or entities providing business analysis and/or Website or product support.
• Other Situations: We may also disclose information about you or provided by you at our sole discretion:
  1. In response to a subpoena or similar investigative demand, a court order, a request for cooperation from a law enforcement agency, self-regulatory body, or other governmental agency; to establish or exercise our legal rights; to defend against legal claims; or as we reasonably believe is required by law. In such cases, we may raise or waive any legal objection or right available to us.
  2. When we believe disclosure is appropriate in order to investigate, prevent, or take action regarding actual or suspected illegal activity or other wrongdoing; to protect and defend the rights, property, or safety of the HabitFactory USA business, our users, our employees, or others; or to enforce our Site’s terms and conditions or other agreements or policies.
  3. In connection with a substantial corporate transaction involving the HabitFactory USA business, such as a sale of HabitFactory USA or any entity, brand or division thereof, a divestiture, merger, consolidation, asset sale, or bankruptcy.
  4. In connection with state and/or federal licensing requirements regarding the reporting of information contained in the loan inquiries we receive from you. You authorize HabitFactory USA to obtain any and all required information from the entities with whom you have interacted with in connection with HabitFactory USA in order for HabitFactory USA to comply with current laws and regulations as well as with any requests from state or federal regulators. This information could include, but is not necessarily limited to, the loan you selected and the terms of the loan you selected.
  5. We may share information with third parties that is not personally identifying, such as aggregated or anonymized data, in our discretion, where not prohibited by law.

Cookies

We may use cookies and other technologies such as web beacons and pixels to collect information about your online activities over time and across third-party websites or online services or which may allow a third party to track your online activities over time and across different sites when you use the Websites.

Updating and Accessing Your Information

The appropriate method(s) for accessing your information, if any, will depend on which Site or Services you have used. Depending on the respective Site or Service, you may have the ability to view or edit some of your information online using the respective Site or Service’s interface. If you have submitted a request through us, you can update your information by contacting . Our address is 3435 Wilshire Blvd, Ste. 1940, Los Angeles, CA 90010.

How We Protect Your Information

We maintain physical, electronic, and procedural measures designed to safeguard your information from unauthorized access and disclosure. No system can be completely secure. Therefore, although we take steps to secure your information, we cannot guarantee that your information, searches, or other communication will always remain secure.

Changes to this Privacy Policy

HabitFactory USA has the discretion to update this privacy policy at any time. When we do, we will revise the date at the top of this page. We encourage you to frequently check this page for any changes to stay informed about how we are helping to protect the information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

Visiting our Websites From Outside the United States

The Site is designed to provide services in the United States and is governed by the laws of the United States. We make no representation that the Sites are governed by or operated in accordance with the laws of any other nation.

Compliance with Children’s Online Privacy Protection Rule

Our Services are not intended for individuals under 18 years of age, and we do not knowingly collect personal information from individuals under 18. If we learn we have collected or received personal information from a person under 18 without verification of parental consent, we will delete the information.

Online Tracking Opt-Out Guide

Like many companies online, we use services provided by Google, Facebook and other companies that use tracking technology. These services rely on tracking technologies – such as cookies and web beacons – to collect directly from your device information about your browsing activities, your interactions with websites, and the device you are using to connect to the Internet. There are a number of ways to opt out of having your online activity and device data collected through these services, which we have summarized below:

• Blocking cookies in your browser.
  Most browsers let you remove or reject cookies, including cookies used for interest-based advertising. To do this, follow the instructions in your browser settings. Many browsers accept cookies by default until you change your settings. For more information about cookies, including how to see what cookies have been set on your device and how to manage and delete them, visit www.allaboutcookies.org.
• Blocking advertising ID use in your mobile settings.
  Your mobile device settings may provide functionality to limit use of the advertising ID associated with your mobile device for interest-based advertising purposes.
• Using privacy plug-ins or browsers.
  You can block our websites from setting cookies used for interest-based ads by using a browser with privacy features, like Brave, or installing browser plugins like Privacy Badger, Ghostery or uBlock Origin, and configuring them to block third-party cookies/trackers.
• Platform opt-outs.
  The following advertising partners offer opt-out features that let you opt-out of use of your information for interest-based advertising:
  Google: https://adssettings.google.com
  Facebook: https://www.facebook.com/about/ads
  X: https://twitter.com/personalization
  
• Advertising industry opt-out tools.
  You can also use these opt-out options to limit use of your information for interest-based advertising by participating companies:
  Digital Advertising Alliance: http://optout.aboutads.info
  Network Advertising Initiative: http://optout.networkadvertising.org/?c=1
  
• How to Contact Us
  If you have any questions about this privacy policy, the practices of any HabitFactory USA Business, or your dealings with a HabitFactory USA Business, please contact us at:
  Compliance Officer
  HabitFactory USA, Inc.
  3435 Wilshire Blvd. Ste. 1940 Los Angeles, CA 90010
  privacy@loaning.ai, or at 213-426-1118.