iVita Financial, LLC. Privacy Policy

Effective: August 1, 2020Click on the links below to jump to each section:

 

1. Scope and Purpose of this Privacy Policy

iVita Financial, LLC. (“iVita Financial”) is committed to your online privacy and security. iVita Financial, (“we”, “us”, and/or “our”) use this Privacy Policy to provide you with information about how our line of credit product and services work (the “iVita Financial Service” or “Service”). We also use it to set out our policy and commitments regarding data collection, use, and sharing for websites and applications that use the iVita Financial Service and reference this Privacy Policy, the iVita Financial JavaScript application, the iVita Financial Software Development Kit (SDK) and/or the iVita Financial Application Programming Interfaces (API’s), collectively (“Site” or “Sites”).

Your use of the iVita Financial Service and Sites is subject to this Privacy Policy and to our Terms of Service. A person must be eighteen (18) years or older to use our Services.

2. Information iVita Financial Collects

Personal Information You Provide
If you submit a loan request or receive a loan from our lender through iVita Financial, we collect personal information, including non-public personal information, such as your name, home address, home phone number, mobile phone number, email address, date of birth, full or partial Social Security number, income source(s), bank account number and/or payment card number. This information may be required to apply for a loan, create an account, and complete your transaction. This information is used to verify your identity, determine eligibility, and facilitate your transaction. Additional information may be collected when you contact customer service contact center via SMS, email, or telephone.

Information We Receive from Third Parties
We may receive information about you from third parties. For example, we work with identity verification services that help us confirm consumer identities in an effort to limit fraud. As part of the loan application process, we will obtain information about you, including your personal information. If you access the Service through a third-party website, application, referral, or connection, the third party may pass certain information about you and your use of their service to us. This information could include a user ID associated with your account, an access token necessary to access that service, any information that you have permitted the third party to share with us, and any information you have made public in connection with that service.

Cookies and Tracking Technologies
Technologies such as cookies, beacons, tags, scripts, session states, and Local Storage Objects may be used by the iVita Financial Service to deliver content, remember your settings, better understand how our visitors navigate through the Site, learn what content is being reviewed, and administer the Site. Web browser documentation should be consulted to learn the proper way to modify cookie settings. If a web browser’s settings are set to delete, or not to accept cookies, some of the Service’s features may not work at all or to their fullest capacity.

Log File Information and Analytics Data
Log file information and other analytics data is automatically reported by your browser or mobile application each time you access our Service and may be collected, recorded, and processed by third party analytics tools. For example, when you access a Site, our servers automatically record certain information that your web browser sends whenever you visit any website. These server logs may include information such as your web request, Internet Protocol (“IP”) address, unique user identifiers, browser type, operating system, device type, referring/exit pages and URLs, number of clicks, domain names, landing pages, pages viewed and other such information.

Do-Not-Track Signals
Vita Financial does not process or respond to “do not track” signals or other similar signals whereby a visitor to a website requests that it disable collection of information about the visitor’s online activities over time and across different websites.

Survey Information
On occasion, we may seek your feedback through surveys or other mechanisms. Providing feedback in these contexts is entirely voluntary, but if you choose to participate, we may ask you to provide personal information such as your name, email address, and phone number, in addition to your feedback.

Information from Advertisements on Other Websites
We may place and track advertisements on third-party websites. Like many advertisers, we advertise our products and services, and we contract with third parties to place advertisements, on websites not affiliated with us where we think the advertisements are likely to be most relevant. These advertisements may contain cookies or other mechanisms that allow tracking of your response to our ads. We and our contracted third parties track and report performance of our advertising and marketing campaigns by using cookies, web beacons, and other similar technology, which may be used to collect and store information about user visits, page visits and duration, and the specific ad or link that the user clicked on to visit the site. No personally identifiable information is stored during this process.

Contacting Us
If you contact us, you may request information about iVita Financial or the Service. When you do, we may ask you to provide personal information with your request such as your name, email address, and phone number. Based on the nature of your request, we may also ask for additional information, such as how you anticipate you will make use of our Service and how you learned about us.

Accessing, Modifying or Deleting Your Information
You can access, modify, or correct your personal information by accessing your account or by contacting us as indicated below. We will retain your information for as long as your account is active or as needed to provide you Service. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. If you wish to delete your account, contact us via email.

3. How We Use Your Information

We may use the information we collect for the following purposes:

  • To provide, personalize, improve, and promote our Sites or Service, and to develop new products and services;
  • To conduct research, monitor and analyze usage and trends;
  • To communicate with you, including for service-related purposes and marketing purposes, and to respond to your requests or inquiries;
  • To enforce this Privacy Policy, our Terms of Service, and other terms you have agreed to, and to protect the rights, property, or safety of our Sites, Service, or any other person.

4. How We Share Your Information

Service Providers and Other Third PartiesWe share your information with service providers and other third parties such as identity verification services, credit reporting agencies and other data providers, servicing companies, collection agencies, customer support call centers, hosting and electronic payment service providers to perform functions and process data on our behalf. Some of these service providers and other third parties, such as analytics providers, may collect information about your online activities over time and across different websites or online services. We may share your information with any of these service providers or third parties to allow them to perform the services they have agreed to provide us. Our service providers are required to keep your information private and secure and adhere to applicable state and federal laws and regulations.

If you apply for a loan through the Service, attributes about your loan request may be made available to potential investors, service providers and third parties. This information includes non-personally identifiable details about your loan request, as well as your, general geographic location, iVita Financial credit grade, and the purpose for which the loan will be used. When you request a loan through iVita Financial, your information will be provided to the potential originating bank that will have access to information you provide to us.

If you successfully receive a loan through iVita Financial , we may also share detailed information about your loan including personally identifiable financial information, terms, payment performance, late payments, delinquency, defaults or collections activity to our investors, bank partners, loan servicers, referring agents, service providers, subsequent creditors, ratings agencies, credit bureaus and/or consumer reporting agencies.

Other Information Sharing
We may also share your information:

  • To the website on which you use iVita Financial’s Service;
  • To provide marketing services on behalf of our merchant partners;
  • To provide customer service, resolve disputes and verify the accuracy of information;
  • To third parties in anonymized or aggregate form;
  • To any other third party with your consent to do so; or
  • To an acquirer, successor, or assignee as part of any merger, acquisition, debt financing, sale of assets, or similar transaction.

We reserve the right to disclose your personal information when we believe that disclosure is necessary to protect our rights and/or to comply with a judicial proceeding, court order or legal process served on our Service. We may also share your information with law enforcement or other government agencies as required by law, such as to comply with a subpoena, bankruptcy proceedings or similar legal process or for the purposes of preventing fraud or criminal activity or to protect your safety or the safety of others.

To limit our sharing

●      Call (888) 504-8483 – our menu will prompt you through choices or
●      Visit us on the web.

Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we provide this notice.  When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions? Call (888) 504-8483 or visit us on the web.

5. Security

We take commercially reasonable steps to protect information from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. To that end, we use certain physical, managerial, administrative, and technical safeguards that are designed to protect the information that we collect and maintain. Please understand, however, that no security system is impenetrable and no method of data transmission can be guaranteed against any interception or other types of misuse. We cannot guarantee the security of our databases, nor can we guarantee that the information that you supply will not be intercepted while being transmitted to and from us over the Internet. In particular, e-mail sent to or from us may not be secure, and you should therefore take special care in deciding what information you send to us via email.

We employ session timeouts to protect your account. You will be logged out of the Site automatically after a period of inactivity. This reduces the risk of others being able to access your account if you leave your computer unattended.

In the event that iVita Financial possesses, processes, stores or transmits cardholder data on behalf of a customer, iVita Financial will take commercially reasonable steps to ensure the cardholder data is secure.

We are not responsible for the practices employed by websites or services embedded or linked to or from the iVita Financial Service or Sites, including the information or content contained therein. Please remember that when you use a link to go from the iVita Financial Service or Sites to another website or service, our Privacy Policy does not apply to third-party websites or services. Your browsing and interaction on any third-party website or service, including those that have a link or advertisement on our website, are subject to that third party’s own rules and policies. Please consult the privacy policies on these sites before you provide them with any of your personal information. You agree that we are not responsible for any third parties that you authorize to collect, use, or share your information.

7. Testimonials

We display personal testimonials of satisfied customers on our site 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 via email.

8. Notifications

From time to time, iVita Financial will send you email or text message (data rates apply) notifications as confirmations of particular actions you have taken. These are required elements of your transactions on our Service. These required notices are sent typically to notify you of a change in status, such as when you are confirmed as a borrower or for legal or security purposes. For example, certain notifications are sent for your own protection to ensure that no one can make a change to your account without your knowledge, such as confirming the addition of a new email address or linked external bank account. These notifications are sent to you so that you can be assured that no one is making changes to your account without your knowledge.

In other cases, these notifications involve changes to various legal agreements or site policies. Generally, you may not opt out of these service-related messages. You can opt out of receiving text messages by emailing support by contacting customer support. iVita Financial reserves the right to close or limit access to your account should you opt out of the crucial notices that are required to perform the iVita Financial Service. You are still responsible for any amounts due to iVita Financial even if we close or limit access to your account.

9. Children’s Privacy

We do not knowingly collect personal information from children under the age of 13. If you have reason to believe that a child under the age of 13 has provided personal information to us, please contact us, and we will endeavor to delete that information from our databases.

10. Compliance with State and Federal Laws

This Privacy Policy may not constitute your entire set of privacy rights, as these may also vary from state to state. To be certain of your privacy rights, you may wish to contact the appropriate agency in your state that is charged with overseeing privacy rights of consumers. Certain regulations issued by state and/or federal government agencies may require us to maintain and report demographic information on the collective activities of our membership. We may also be required to maintain your personal information for at least seven years in order to be in compliance with applicable federal and state laws regarding recordkeeping, reporting, and audits.

11. Your California Privacy Rights

California Civil Code Section 1798.83 permits California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please write to us at 101 Marietta Street, N.W., Suite 2310, Atlanta, GA 30303.

12. Consent and Jurisdiction

Delaware law governs this Policy and your use of this Site. Any claim related to this Site or this Policy shall be brought in a federal or state court in Delaware within one (1) year after such claim arises. Users of this Site consent to the jurisdiction and venue of such courts as the most convenient and appropriate for the resolution of disputes involving this Policy. This Policy and the notices outlined herein are not intended to and no not create any contractual or other legal rights in or on behalf of any third party.

13. Changes to Our Privacy Policy

This Privacy Policy is effective as of the date stated at the top of this Privacy Policy. We may change this Privacy Policy from time to time. By accessing and/or using the iVita Financial Service after we make any such changes to this Privacy Policy, you are deemed to have accepted such changes. Please refer back to this Privacy Policy on a regular basis.

14. How to Contact iVita Financial

We welcome your questions, comments and all feedback pertaining to your privacy or any other issue regarding the Site. If you have any questions about this Privacy Policy, the practices of this Site, or your dealings with this Site, please contact us via email or call us at (888) 504-8483 or send mail to:

iVita Financial, LLC
101 Marietta Street, N.W.
Suite 2310
Atlanta, Georgia 30303