Privacy Policy - Violet Advance

1. Scope and Applicability

Violet Advance is committed to informing you about our practices related to the collection, use, and sharing of your information. This Privacy Policy outlines how we handle data collected through our services, which include websites, mobile sites, applications (“apps”), and widgets (together, “Company Services”). For California residents, please refer to Section 15 for information pertaining to the California Consumer Privacy Act. Residents of Virginia, Colorado, and Connecticut should consult Section 16. By using our Company Services, you accept the terms of this Privacy Policy. Violet Advance and the Fox Family of Companies. A comprehensive list of Fox Corporation and its affiliates (collectively “Company Affiliates”) can be found at www.foxcorporation.com. This Privacy Policy is integrated with Violet Advance Terms of Use, including all defined terms therein. Any capitalized terms used in this Privacy Policy will have the same meaning as those defined in the Terms of Use, unless stated otherwise.

According to our Terms of Use available our services are intended for users above the legal age of majority and are not directed at children. We do not knowingly gather personal information from individuals under 16 years old, including those under 13.

This Privacy Policy applies to all users, whether they are accessing Company Services without creating an account or those who have registered for a Company Service. It covers how we collect and utilize personal information (e.g., your name or email address) as well as our general approach to managing non-personal information (such as interests or demographic details).

By using Company Services, you consent to our practices regarding the collection, use, disclosure, and protection of your information as outlined in this Privacy Policy.

PLEASE NOTE: BY ACCESSING OR USING COMPANY SERVICES, YOU AGREE TO THIS POLICY. IF YOU DO NOT AGREE, PLEASE REFRAIN FROM USING THE SERVICE.

2. Information Collection

Violet Advance and its service providers may gather and store various types of information about you. This includes information you provide, data collected automatically from your use of the Service, and details from publicly available sources or third parties. When obtaining a financial product or service through our Services, we will manage and share your information in accordance with our U.S. Consumer Privacy Notice detailed in Section 17, which offers choices regarding the use and sharing of your personal data. Information covered by our Privacy Notice is referred to as Non-Public Personal Information (“NPI”).

A. Information You Provide

The data we collect from you will depend on the specific product or service you request. This may include your username, full name, birth date, phone number, email address, educational background, outstanding loan balances, social security number, income, employment history, and other financial details when you use our Service or create a Violet Advance account. We may collect any voluntarily provided information through forms, responses, or preferences indicated during your interaction with our Service or through our customer service representatives.

If you provide information about others, you must have authorization to do so and for the purposes stated in this Privacy Policy and/or related to the Service.

We may also retain communications through the Service, including customer service interactions (via phone, chat, text, email, etc.), and any User Content you post. Calls made through Violet Advance or involving Violet Advance may be recorded or monitored for quality assurance, customer service, training, and risk management purposes.

If you choose to participate in user experience surveys and consent to recording, we or our third-party service providers may record audiovisual content featuring your voice and likeness for service improvement purposes.

B. Automatically Collected Information

In addition to data you provide directly, we may automatically gather information about your use of the Service, including:

Log File Information: Your browser reports certain details each time you access the Service, which our servers may record. This includes your web request, IP address, browser type, operating system, platform, location data, and interactions with the Service, among other details.
Location Information: We may collect general location data (such as IP address or city) from your device. Disabling location features may affect your ability to access certain Service features.
Cookies and Other Technologies: We and our third-party service providers use cookies, clear GIFs, pixel tags, beacons, and similar technologies to analyze user behavior, personalize experiences, perform research, deliver targeted advertising, and enhance our services. You can manage your cookie preferences through your browser settings, but disabling cookies may limit your access to certain Service features.
Cookies: We may send cookies to your device to store information or settings, aiding in faster log-ins and site navigation. Cookies can also track your interactions with the Service and enable us or our partners to monitor usage over time.
Clear GIFs/Web Beacons: These are used to track user behavior anonymously and measure email engagement.
Web Analytics: We may use third-party analytics services, such as Google Analytics, to analyze Service usage. You can opt out of Google Analytics by using the Google Analytics Opt-Out Browser Add-on.

We may use the collected information to: (a) remember your data for future visits; (b) offer personalized content; (c) monitor and improve Service effectiveness; (d) track metrics like visitor numbers and traffic patterns; (e) diagnose technology issues; (f) facilitate efficient access to your information; and (g) deliver advertisements.

C. Information from Third-Party Sources

We may obtain information about you from public and commercial sources as allowed by law, and combine this with other data we have. For example, we may request a soft credit inquiry for prequalified rates or conduct a hard credit inquiry when applying for a loan product. For mortgage prequalification, we might search public records to estimate your home value or taxes for more accurate monthly payment estimates and loan qualification.

3. Customized Advertising

We may employ third-party advertising technologies to deliver relevant content and ads both on our Service and across other websites and applications you use. For details on opting out of sharing Non-Public Personal Information (NPI) with third-party advertisers or managing your information for marketing purposes, please refer to our U.S. Consumer Privacy Notice in Section 17. Ads you see may be influenced by factors such as page content, information you provide, your search history, demographic details, and user-generated content. These ads might reflect your current activities or your online behavior over time and across different platforms, aiming to match your interests.

Third-party services featured or advertised through our Service may use cookies or similar technologies to track your interactions with our Service, as described earlier. We may also permit other third parties (e.g., ad networks and servers like Google Analytics, DoubleClick, Quora Pixels) to display targeted ads on our Service and on other sites and apps, and to use their own tracking technologies on your devices.

Please note that advertisers may request Violet Advance to target specific user groups based on demographics or interests. In such cases, Violet Advance determines the audience and serves the ad accordingly, while providing only aggregated, anonymized data to the advertiser. If you interact with such an ad, the advertiser or ad server may infer that you match their intended audience profile.

We do not control the use of cookies or tracking technologies by third-party ad technologies, ad servers, ad networks, or other non-affiliated entities. These parties may provide options to opt out of ad targeting. If you encounter tailored ads through your web browser, you can manage these preferences by visiting the Network Advertising Initiative or Digital Advertising Alliance's opt-out links. For opting out of Google Analytics for display advertising or customizing Google display network ads, visit the Google Ads Settings page. To opt out of tracking via Quora Pixels, click here. Facebook provides details on opting out of tailored advertising through their services on their page here.

Please be aware that even if you opt out, you may still receive advertisements, though they will not be tailored to your interests. We do not oversee the functionality or participation in these opt-out mechanisms and are not responsible for their accuracy or availability.

4. Do Not Track Signals

Some web browsers have a “Do Not Track” (DNT) feature that sends a signal to websites indicating that you do not want to be tracked. Currently, we do not respond to DNT signals. For more information on DNT.

5. Use of Your Information

We may use your information, or combine various elements of it, for several purposes, including:

Service Provision and Management: We use your information to provide, enhance, and maintain our Service and its features, including customization based on the data you provide.
Transaction Processing: We use your data to process and complete requests or transactions you initiate.
Best Rate Guarantee Program: We manage our Best Rate Guarantee Program using your information.
Communication: We use your information to communicate with you, sending newsletters, promotions, and special offers. You can opt out of such emails, but Service-related communications (e.g., account verification and updates) are mandatory.
Personalized Services: We may use your information to tailor services, content, and ads for you, both through Violet Advance and third-party partners, in line with the U.S. Consumer Privacy Notice.
Surveys and Promotions: Your information may be used for conducting surveys and offering promotions like sweepstakes.
Marketing and Advertising: We may use your data for marketing our services and those of our partners.
Unique Identifiers: We might use information such as log-in credentials and device identifiers to track users across different devices for a seamless experience. You can opt out of cross-device tracking via your device settings.
Research and Analytics: We use your data for research and analytics to evaluate trends and marketing effectiveness.
Operational Purposes: Your information may be used for operational activities, including audits and quality control.
Protection of Rights: We use your information to protect, enforce, or defend our legal rights, privacy, safety, or property, and to comply with applicable laws.
With Your Consent: We may use your information based on your consent or direction.
Data Aggregation/De-identification: We may aggregate or de-identify your information for various purposes, including research and marketing, and may share this non-personal data with third parties.

6. Sharing Your Information

We may share your information under the following circumstances:

Providers and Co-signers: We may share your information with Providers to facilitate the Service, including providing information about your prequalified rates and related products. If you provide information to a Provider or third-party, their privacy policies apply. Providers may retain your information according to their policies. We may share information with co-signers or applicants as needed.
Affiliates: We may share your information with our parent company, affiliates, or subsidiaries.
Service Providers: We may share data with third-party service providers who assist us with customer service, advertising, analytics, identity verification, credit reporting, and other functions.
Marketing Partners: We may share your information with marketing partners, including those with whom we co-market or maintain links, widgets, or forms.
Legal Requirements and Protection: We may disclose your information as required by law or to protect our services and users.
Business Transfers: In case of a business transfer, merger, or acquisition, your information may be included in the transaction.
Public Forums: Information you disclose publicly, such as User Content, may be visible and remain accessible even if removed from the Service.
Aggregated or De-identified Data: We may share aggregated or de-identified data without restrictions.
With Your Consent: We may share information based on your consent or direction. We do not purchase or sell consent but may transfer consent for communication purposes to Providers or Marketing Partners if you explicitly agree.

7. How We Store and Protect Your Information

Keeping Your Information Safe

Violet Advance employs technical and organizational measures to safeguard your data against accidental or unlawful destruction, loss, alteration, unauthorized disclosure, or access. These measures vary based on the sensitivity of the information collected. However, no transmission method over the Internet or mobile device, or method of electronic storage, can be guaranteed as absolutely secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee its absolute security. Violet Advance is not responsible for the functionality or security measures of third parties or Providers.

To enhance your privacy and security, we implement procedures such as requiring unique passwords to verify your identity before granting account access. You are responsible for maintaining the secrecy of your unique password and account information and for managing access to your email communications from Violet Advance . Please do not share your password and limit access to your devices by logging out after use.

For more information on protecting yourself against identity theft, please visit the Federal Trade Commission's website at FTC Identity Theft and Data Security.

To learn more about Violet Advance security measures, visit Violet Advance Security.

8. Your Choices About Your Information

A. Your Account Information and Settings

You can update your account information at any time by logging into your account and changing your profile settings. You may also contact us at melnik@violetadvance.org to adjust your preferences.

B. Email Promotions

To stop receiving promotional emails from us, click the “unsubscribe” link provided in those communications. We strive to process all unsubscribe requests promptly. Note that you cannot opt out of Service-related communications (e.g., account verification, transaction updates, feature changes, and security notices). For questions about reviewing or modifying your account information.

C. Opt-Out and Annual Notice

If you have a financial product or service with us, we will use and share information according to our U.S. Consumer Privacy Notice (section 17), which includes options to opt out of certain information sharing.

D. Choices Relating to Tailored Advertising

Refer to the “Tailored Advertising” section for information on your choices regarding interest-based advertising.

9. How Long We Keep Your User Content

After terminating or deactivating your account, Violet Advance may retain your profile information and User Content for a period of time for backup, archival, audit, or other purposes. As a financial services provider, Violet Advance must comply with federal and state regulations requiring the retention of certain information. This means we may be unable to delete your information until the legally required retention period ends.

10. Children's Privacy

Violet Advance does not knowingly collect information from individuals under 13 years of age or allow such persons to register as Users. If we learn that we have collected personal information from a child under 13, we will promptly delete that information. If you believe we might have collected information from a child under 13.

11. Links to Other Websites and Services

We are not responsible for the practices of websites or services linked to or from the Service, including their content. When you use a link to navigate from our Service to another site, our Privacy Policy no longer applies. Your interactions on third-party websites or services, including those with links or advertisements on our site, are governed by the third-party's privacy policies. Additionally, we are not responsible for the security or functionality of third parties that you authorize to access your User Content. If you use a third-party site or service and allow such access, you do so at your own risk. Our Terms of Service and Privacy Policy do not apply to those third-party sites.

12. Your California Shine the Light Law Rights

Under California Civil Code Section 1798.83, the “Shine The Light” law, California residents can request, once per year, information about the personal information (if any) we have shared with third parties for direct marketing purposes in the past year. This includes categories of personal information shared and third parties with whom information was shared. To make such a request, please write to:

Attention: Legal Department
Violet Advance
6945 Northpark Boulevard, Suite L
DPT# 6037
Charlotte, NC, US, 28216-0079

The California Consumer Privacy Act (CCPA) also grants California residents specific rights over their personal information. For details on these rights and how to exercise them, refer to our CCPA Privacy Notice (section 15).

13. Complaints and How to Contact Us

For privacy-related complaints, requests for access to or correction of personal information, or questions about this Privacy Policy or the Service. We will review all complaints and determine if further investigation is necessary. If an investigation is conducted, we will inform you of its outcome.

14. Changes to Our Privacy Policy

Violet Advance may update this Privacy Policy to reflect changes in our business and practices. Please review this page periodically at Violet Advance Privacy Policy. Changes will be noted by updating the “Last Updated” date at the top of the policy. Material changes will be communicated as required by law. Continued use of the Service following changes signifies acceptance of the modified Privacy Policy.

Please print and retain a copy of this Privacy Policy for your records.

15. California Consumer Privacy Act Notice for California Consumers

This CCPA Notice supplements Violet Advance Privacy Policy and U.S. Consumer Privacy Notice under the Gramm-Leach-Bliley Act (GLBA) (section 17). It applies to California residents and outlines rights under the California Consumer Privacy Act (CCPA), which provides certain rights over Personal Information.

15.1. Where Do We Collect Personal Information From?

For information on the categories of sources from which we collect personal information, see Section 4 (Summary of Collection, Use and Disclosure of Personal Information).

15.2. How Do We Use Personal Information?

Personal information may be used for various “business” and “commercial purposes” as defined by the CCPA. For details on how we use personal information, refer to Section 4 (Summary of Collection, Use and Disclosure of Personal Information).

15.3. Who Do We Share Personal Information With?

We may share personal information with the following:

Providers: Personal information may be shared with Providers through our Services.
Service Providers: We may share personal information with vendors, processors, agents, and other representatives.
Marketing Partners: Personal information may be shared with third-party marketing partners.
Cosigners: Personal information may be shared with designated cosigners or co-applicants.
Public Forums: Information you post publicly may be visible to the general public.
Affiliate Companies: Personal information may be shared with parent companies and affiliates.
Special Circumstances: Personal information may be disclosed under specific legal or protective circumstances.
Corporate Transactions: Personal information may be transferred in connection with business sales or transfers.

This section of your privacy policy outlines your data handling practices and consumer rights under various laws. Here's a breakdown:

15.4Collection, Use, and Disclosure of Personal Information

Overview: Summarizes practices related to personal information collected, used, and shared in the past year.
Sensitive Personal Information: Not processed beyond specified purposes (e.g., service provision, security).
Data Retention: Personal information is retained as necessary for its intended purpose unless a longer retention is legally required.

15.5 Children

Minors Under 13: The site and services are not intended for children under 13. No collection or sale of data from minors under this age.

15.6 California Rights

General Rights: Rights under the California Consumer Privacy Act (CCPA) are outlined, including:
Request to Know: Involves requesting details about collected data, purposes, and third parties.
Request to Delete: The right to ask for data deletion, with certain exemptions.
Right to Request Correction: Ability to request corrections to inaccurate data.
Request to Opt-Out: No sale of personal information, but options to opt out of targeted advertising.
Right to be Free from Discrimination: Protection from discriminatory treatment for exercising these rights.
Exemptions: Some rights may not apply to data collected for financial services under the Gramm-Leach-Bliley Act (GLBA).

15.7 Exercising CCPA Rights

Requests: Instructions for submitting requests to know, delete, or correct data.
Verification: Process for verifying identity before fulfilling requests.
Authorized Agents: Information for designating and using authorized agents for requests.

15.8Alternate Format of CCPA Notice

Accessibility: Contact information for obtaining the notice in an alternative format for those with disabilities.

15.9 Contact Information

Questions and Concerns: Contact details for privacy-related inquiries.

16 Rights Under Virginia, Colorado, and Connecticut Laws

Consumer Data Rights:
Right to Access and Portability: Confirm and request personal data.
Right to Request Deletion: Request deletion of personal data.
Right to Request Correction: Request corrections to inaccurate data.
Right to Opt-Out of Targeted Advertising/”Sale”: Options for limiting or opting out of targeted advertising.
Right to Appeal: Process for appealing if a request is denied.
Right to be Free from Discrimination: Protection from discrimination for exercising these rights.
Verification: Similar verification methods as under the CCPA.

This summary outlines the data handling practices and consumer rights related to personal information under various privacy laws. For detailed procedures or to exercise specific rights, contacting the company directly through the provided channels is advised.