PRIVACY NOTICE
WHO IS PROVIDING THIS PRIVACY NOTICE?
Your privacy is important to us, and Apoyo Financiero, Inc. ("AFI", "we", "us") acknowledges your expectations of privacy. This Privacy Notice describes how we gather information, what we do with the information we collect and what steps we take to safeguard your privacy and protect your personal information.
We reserve the right to change and/or amend this Privacy Notice from time to time. Your use of our Website (as defined below) constitutes your consent to the current version of our Privacy Notice then in effect.
We may make changes to this Privacy Notice at any time and will inform you of changes, as required by law, including by making changes to the content of our Website. You can see the most up to date version of this Privacy Notice by visiting our Website at: https://www.apoyofinanciero.com (the “Website”).
If you have questions or concerns regarding this statement or your rights under our Privacy Notice, you should contact: Compliance Officer, 2300 Clayton Rd., Suite 1170, Concord, CA 94520. You can also contact us by sending us an email at afi@apoyofin.com
WHAT DOES THIS PRIVACY NOTICE COVER?
This Privacy Notice describes the personal information we collect and what we do with any personal information you may submit or authorize us to obtain, as well as any other information that we may gather when you access our Website. This Privacy Notice also covers any of your personal and other information that any of our business partners may share with us.
Please note that our policies and procedures apply only to our Website and not to websites maintained by other companies or to any website to which we may link or to unrelated businesses with which we may share information.
WHAT IS “PERSONAL INFORMATION”?
Personal information is any information that identifies you, personally, or that can be logically associated with you. Examples of personal information would be your name, your address, your e-mail address, and your Social Security Number ("SSN") or Individual Tax Identification Number ("ITIN").
WHY DO WE COLLECT YOUR PERSONAL INFORMATION?
We collect and use personal information to respond more completely to your requests for loans and related services that we offer and certain others who assist AFI in providing services to you and in servicing any account you may have with us. We also collect personal and other information to make you aware of services that are likely to be of interest to you.
We collect the following types of personal information:
- Information you provide to us directly on loan applications or related forms, such as your income and accounts with others. This information may include your name, your address, your telephone number and, in some cases, your driver’s license or state-issued identification number, SSN or ITIN. You may also be asked to provide additional information, such as the amount of your debts and the identity of your creditors, information about your employment and residence and other financial and personal information.
- Information we receive about your transactions with us, such as your account balance, payment history and credit card usage.
- Information, such as your e-mail address, telephone number or cell phone number, that you provide to us when you register to receive communications from us, or when you communicate with us or otherwise correspond with us. This also includes information you provide to us through our Website.
- We may collect certain payment information when you register for certain payment processor services.
- We also collect your personal information from others, such as credit bureaus and other companies. This may include biometric information, such as scans of your face that are used to ensure that your identification information is accurate.
We collect certain types of non-personal information and technical data from each visitor to our Website(s). For example, when you click on a banner advertisement or text link that is associated with one of our Websites, the banner or text placement, along with the time of your visit, your Internet Protocol address and other path-related information, is sent to us. Similarly, the page requests you make when you visit our Website(s) are stored and used by us. None of this information is personally associated with you personally.
HOW DO WE USE COOKIES, PIXELS AND SIMILAR TECHNOLOGIES?
We (along with third parties that provide content, advertising or other functionality on our Services), may use cookies, pixel tags, local storage and other technologies (“Technologies”) to automatically collect information. Technologies that are essentially small data files placed on your computer, tablet, mobile phone or other devices that allow us to record certain pieces of information whenever you visit or interact with our Website, services, applications, messaging and tools, and to recognize you across devices.
Our uses of such Technologies fall into the following general categories:
- Operational. We may use Technologies that are necessary to the operation of our Services. This includes Technologies that allow you access to our Websites, services, applications, and tools; that are required to identify irregular site behavior, prevent fraudulent activity and improve security; or that allow you to make use of functions such as shopping carts, saved search or similar functions.
- Performance-Related. We may use Technologies to assess the performance of our services, including as part of our analytic practices to help us understand how our visitors use our services, determine if you have interacted with our messaging, determine whether you have viewed an item or link, or to improve our Website content, applications, services or tools.
- Functionality-Related. We may use Technologies that allow us to offer you enhanced functionality when accessing or using our services. This may include identifying you when you sign into our Website or keeping track of your specified preferences, interests or past items viewed so that we may enhance the presentation of content.
- Advertising-Related. We may use first-party or third party cookies and web beacons to deliver content, including ads relevant to your interests, on our Services or on third party sites. This includes using technologies to understand the usefulness to you of the advertisements and content that has been delivered to you, such as whether you have clicked on an advertisement. We may also use third parties to serve targeted advertisements to people similar to our customer base (e.g., by uploading a hashed customer list to Facebook Custom Audiences) or incorporating a pixel from the third-party on our Site. Even if you have disabled certain cookies, advertisements may still be displayed to you through these third-party channels.
HOW DO WE USE PERSONAL INFORMATION?
We use the personal information you provide to us for a number of purposes, such as to provide to you the service(s) that you request, to service your account, and to keep you informed about services that may be of interest to you via email, including updates and administrative messages and respond to your requests for assistance.
We may also use your personal and other information to enhance your experience on our Website(s) by displaying content based on your preferences and/or to send information to you about additional products or services in which you may be interested. We may also use your personal information, without identifying or naming you, so that we can use that information, together with information of others, for research, analysis, and modeling purposes.
We use your information to verify your account and activity to monitor and protect against fraudulent or illegal activity.
We will not share personal information we collect about you with any nonaffiliate, unless sharing is permitted under the CCPA. For example, we may share your personal and other information with a third party that provides a service to us, such as a call center operator, debt collector or payment processor. These service providers will be provided only with the information necessary for them to perform their contracted functions and are not allowed to share any of the provided information with others for any purpose whatsoever. We may also obtain personal information about you from third parties in order to verify your identity and process your requests for credit. We do not sell your personal information to any third parties.
ARE THERE ANY OTHER CIRCUMSTANCES WHERE WE DISCLOSE YOUR INFORMATION?
We may be required to share your information with law enforcement or government agencies in response to subpoenas, court orders or other forms of legal process. We may elect to share information when, in our reasonable judgment, such sharing is necessary or appropriate for the investigation or prevention of illegal activities, including actual or suspected fraud, real or potential threats to the physical safety of any person or otherwise as required by law.
In addition, if we are merged with, or acquired by, another company the successor company will have access to all the information collected and maintained by us. In such a circumstance, the successor company would continue to be bound by the terms and conditions of this Privacy Notice, as it may be revised from time to time.MOBILE INFORMATION
No mobile information will be shared with third parties / affiliates for marketing / promotional purposes. All other categories exclude text messaging originator opt-in data and consent: this information will not be shared with any third parties.
HOW DO WE SAFEGUARD THE INFORMATION WE COLLECT?
The security of your personal information is a very high priority for us, and we take several steps to safeguard it. To protect your personal
information from unauthorized access and use, we use security measures that include:
- Limiting access to personal information to those employees who are critical to the delivery of products and services to you.
- Implementing appropriate physical, electronic, and procedural safeguards to guard against unauthorized access or use.
- Requiring appropriate consents and protections from our business partners before we share any personally identifiable information.
- AFI uses commercially reasonable physical and technical security measures to protect all personal information in our possession. Sensitive information such as Social Security numbers are encrypted using secure sockets layer encryption at the time of your submission. We cannot, however, guarantee or warrant the absolute security of any system or that any information we hold will not be accessed, disclosed, altered, or destroyed.
We normally retain your personal information for a reasonable time after our customer relationship with you ends, and in any event, generally not less than one (1) year from the date we first collect it. For legal reasons, we may sometimes be required to retain personal information for a longer period. Under certain circumstances, Federal and/or state law may require us to retain your personal information for different periods of time. We may disclose personal information about former customers to affiliated and other persons in the same way and of the same types as we disclose for customers. Non-personal information may be retained indefinitely.
CAN YOU CORRECT OR REMOVE YOUR PERSONAL INFORMATION?
If you believe there are factual errors in any of the information you have submitted to us, please contact us, and advise us of the error. To protect your privacy and security we may require that you verify your identity before we make any requested changes to personal information.
SURVEYS AND CONTESTS
From time-to-time our site requests information via surveys or contests. Participation in the surveys or contests is completely voluntary and you may choose whether to participate and therefore disclose this information. Information requested may include contact information (such as name and telephone number). Contact information will be used to notify the winners and award prizes. Survey information will be used for purposes of monitoring or improving the use and satisfaction of this site.
WHAT PRIVACY CHOICES DO YOU HAVE?
You can always elect not to provide personal information to us, although if you do not complete and submit the information we ask for we may not be able to provide you with the most complete responses or you may not be able to access all the available features.
You have the right to request a copy of your information, to object to our use of your information (including marketing purposes) and may request to have certain personal information deleted that has been collected from you. However, your personal information may be required to be maintained in order to provide and complete transactions and services, comply with legal obligations, detect security incidents and protect against malicious, fraudulent or illegal activity.
California residents who provide us with their personal information may request certain information regarding disclosures made to third parties for direct marketing purposes, including the names and address of those to whom such disclosures have been made. Such requests must be submitted to us at the following mailing address: Apoyo Financiero, Inc. 2300 Clayton Road, Suite 1170, Concord, CA 94520.
You may opt out of receiving marketing (promotional) communications from us by requesting to unsubscribe within each email or by contacting us at the email address provided below.
afi@apoyofin.com or Apoyo Financiero, Inc. 2300 Clayton Road, Suite 1170, Concord, CA 94520.
OTHER IMPORTANT INFORMATION
We may report important information about your account(s) to credit bureaus and/or consumer reporting agencies. For example, missed payments, late payments, or defaults on your account(s).
CHILDREN INFORMATION (UNDER THE AGE OF 18)
We do not knowingly direct our services to individuals under the age of 18, nor do we collect, use, or disclose child personal information. If we become aware that an individual under 18 years of age has provided us with their personal information, we will take immediate steps to delete such information.
CALIFORNIA PRIVACY RIGHTS
California residents have certain rights regarding the collection and use of their personal information. For more information, see https://oag.ca.gov/privacy/ccpa
UPDATES TO THIS PRIVACY NOTICE
We may add, delete from, or otherwise amend and update this online Privacy Notice from time-to-time without prior notice. The date of last update is provided at the beginning of this online Privacy Notice. Use of our Sites and Apps after an update indicates acceptance of the most current version.
ELECTRONIC COMMUNICATIONS
Apoyo Financiero, Inc. does not charge for receiving text message alerts. Message and Data Rates May Apply. Check your text messaging plan with your carrier. For help, text HELP to 87977 or email afi@apoyofin.com to stop receiving text messages at any time, text STOP to 87977.
Supported carriers include: AT&T, Verizon, MetroPCS, Sprint, Boost, T-Mobile, Alltel, Virgin Mobile,U.S. Cellular.
Carriers are not liable for delayed or undelivered messages.
Nonaffiliates – Companies not related to Apoyo Financiero, Inc. by common ownership or control.
If you have any questions about your personal information collected or would like to exercise your rights under the CCPA, you can contact us at: afi@apoyofin.com