You are visiting a website owned and operated by HabitFactory USA,
INC. (collectively, “HabitFactory USA”, “us”, “we”, or “our”) are
committed to maintaining your confidence and trust as it relates to
the privacy and usage of your information. Please read below and
learn how we collect, protect, share, and use your information as
part of our technology platforms, and all of our products and
websites owned and operated by HabitFactory USA on which this
hereafter as the “Website(s)” or “Site(s)”, whether individually or
collectively, or collectively as “Services”) as well as HabitFactory
Information We Collect
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.
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.
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
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.
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 from cookies and other tracking technologies
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
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 :
- Deliver the products and services you requested
- Improve customer service
- Improve our Site
- Personalize your user experience
Communicate with you about products or services that may be of
interest to you
- 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
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,
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
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:
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.
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.
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
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.
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.
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.
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
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
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,
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
The following advertising partners offer opt-out features that
let you opt-out of use of your information for interest-based
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
Digital Advertising Alliance:
Network Advertising Initiative:
How to Contact Us
If you have any
HabitFactory USA Business, or your dealings with a HabitFactory
USA Business, please contact us at:
HabitFactory USA, Inc.
3435 Wilshire Blvd. Ste. 1940 Los Angeles, CA 90010
firstname.lastname@example.org, or at