This Privacy Notice for California Consumers (“Notice”), provided by Credit Join, LLC (“Credit Join,” “Company,” “we,” or “our”), supplements, and is expressly made part of, the information contained in Credit Join’s Online Privacy Policy and applies solely to those who are consumers (“you” or “your”) as defined in Section 1798.140(g) of the California Consumer Privacy Act of 2018 (“CCPA”). We adopt this Notice in compliance with the CCPA and any terms defined in the CCPA have the same meaning when used in this Notice.
Credit Join collects information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer, household, or device (“personal information”). As a consumer, you have certain rights regarding your personal information as defined in the CCPA. This Notice provides you with information on how Credit Join collects, uses, and shares personal information. It also outlines the rights you have regarding personal information that we collect from you and describes how you can exercise those rights.
Collection and Use of Personal Information
Credit Join recognizes the eleven (11) broad categories of personal information referenced in the CCPA that a business may collect about a consumer. In particular, Credit Join has collected the following categories of personal information from consumers within the last twelve (12) months:
Category
Examples
Collected
A. Identifiers.
A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.
YES
B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).
A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.
YES
C. Protected classification characteristics under California or federal law.
Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).
YES
D. Commercial information.
Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
YES
E. Biometric information.
Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.
NO
F. Internet or other similar network activity.
Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.
YES
G. Geolocation Data
Physical location or movements.
NO
H. Sensory Data
Audio, electronic, visual, thermal, olfactory, or similar information.
NO
I. Professional or employment-related information.
Current or past job history or performance evaluations.
NO
J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).
Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.
NO
K. Inferences drawn from other personal information.
Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
YES
As a company that conducts activities that are financial in nature, Credit Join is a “financial institution” as that term is defined in the Gramm-Leach-Bliley Act (“GLBA”). While the CCPA does not exempt financial institutions, Section 1798.145(e) of the CCPA does exempt personal information collected by a financial institution pursuant to the GLBA.
Personal information does not include publicly available information from government records, de-identified or aggregated consumer information, or information otherwise excluded from the CCPA’s scope, such as information collected pursuant to the GLBA.
We have obtained the categories of personal information listed above from the following categories of sources:
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Directly from you. For example, from forms you complete or products and services you purchase.
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Indirectly from you. For example, from information we obtain in the course of providing our services to you, or from observing your actions on our website.
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From third-party business partners including, but not limited to, social media sites, ad networks, and analytics providers.
Credit Join may use this information to:
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Provide you with the information, products, or services you request from us.
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Fulfill the reason you provided the information.
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Create, maintain, customize, and secure your account with us.
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Personalize your website experience and deliver content and product and service offerings relevant to your interests, including targeted offers and ads through our Site, third-party sites, and via email or text message (with your consent where required by law).
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Advertise and market products and services to you from both affiliated and non-affiliated entities, which includes sending promotional communications, target advertising, and presenting you relevant offers (with your consent where required by law).
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Help maintain the safety, security, and integrity of our website, products and services, databases and other technology assets, and business.
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Process your requests, purchases, transactions, and payments.
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Provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
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For testing, research, analysis, and product development, including to develop and improve our website, products, and services.
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From third-party business partners including, but not limited to, social media sites, ad networks, and analytics providers.
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Respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
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As described to you when collecting your personal information or as otherwise set forth in the CCPA.
Disclosure of Personal Information for a Business Purpose
Credit Join may disclose your personal information to a third party service provider for business purposes. We share your personal information with the following categories of third parties for a business purpose:
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Affiliates.
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Service providers – When Credit Join shares with a Service Provider it enters into a contractual arrangement that describes the business purpose and requires the provider to both: (A) keep that personal information confidential; and (B) not use it for any purpose except performing the obligations under the contract.
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Financial Institutions – our sharing of your personal information with these entities is limited only to when you affirmatively direct us to share your personal information with these companies.
In the preceding twelve (12) months, Credit Join has disclosed the following categories of personal information for a business purpose:
-
Category A: Identifiers.
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Category B: California Customer Records personal information categories.
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Category C: Protected classification characteristics under California or federal law.
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Category D. Commercial information.
-
Category K. Inferences drawn from other personal information
Sale of Personal Information
The CCPA similarly requires Credit Join to provide you with a statement on its personal information sales. The definition of “Sale” under the CCPA is very board. Out of an abundance of caution we are providing you with the below notice. In the preceding 12 months, we may have sold the below categories of information:
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Category A: Identifiers.
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Category B: California Customer Records personal information categories.
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Category C: Protected classification characteristics under California or federal law.
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Category D. Commercial information.
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Category K. Inferences drawn from other personal information
We sell these categories of personal information for commercial purposes to the following categories of third parties:
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Financial Institutions –including, for example, Debt Settlement Service Providers and Lenders.
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Business partners and third parties – We may also share Information with business partners and third parties (e.g., other companies, retailers, research organizations, advertisers, ad agencies, advertising networks and platforms, social networks, participatory databases, publishers, and non-profit organizations) that may want to market products or services to you.
Please note that once we sell your personal information with another company, the information received by the other company is controlled by that company and becomes subject to the other company’s privacy practices.
Notice Regarding Your Rights
Access & Data Portability Rights
You have the right to request that Credit Join disclose what personal information we collect, use, and disclose. If we receive and confirm your consumer request as verifiable and no exception applies, we will provide you with:
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The categories of personal information we collected about you.
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The categories of sources for the personal information we collected about you.
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Our business or commercial purpose for collecting that personal information.
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The categories of third parties with whom we share that personal information.
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The specific pieces of personal information we collected about you.
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If we sold or disclosed your personal information for a business purpose, two lists disclosing:
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Sales, identifying the personal information categories that each category of recipient purchased; and
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Disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.
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Deletion Request Rights
Subject to certain exceptions, you have the right to request that we delete any of your personal information that we collected from you and retained. If we receive and confirm your consumer request as verifiable, unless an exception applies we will delete (and direct our service providers to delete) your personal information from our records.
The CCPA provides a number a reasons why a deletion request may be denied. We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:
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Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, or otherwise perform our contract with you.
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Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
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Our business or commercial purpose for collecting that personal information.
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Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
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Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
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Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent.
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Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
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Comply with a legal obligation.
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Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent.
Right to Opt-Out of Sale of Personal Information
You have the right to request that Credit Join no longer sell your personal information. To exercise that right, please click here: Do Not Sell My Personal Information or Calling us toll-free during business hours at: 1-877-326-9170
Exercising Access, Data Portability, and Deletion Rights
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to Credit Join by:
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Calling us toll-free during business hours 1-877-326-9170
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Filling out the California Consumer request form available at by clicking here.
Only you or someone registered with the California Secretary of State and legally authorized to act on your behalf may make a verifiable consumer request related to your personal information.
You may only make a verifiable consumer request for access or data portability twice within a 12-month period.
The verifiable consumer request must:
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Provide sufficient information that allows Credit Join to verify, to a reasonable degree of certainty, that you are the person about whom Credit Join collected personal information (or your authorized representative), which may include multi-factor authentication of identifying information provided by you. Such authentication may be conducted and verified independently or in combination with a comparison of personal information already maintained by Credit Join, if any; and
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Describe your request with sufficient detail that allows Credit Join to properly understand, evaluate, and respond to it.
We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm that the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us, but we must also be able to confirm the personal information relates to you. However, we do consider requests made through your password protected account sufficiently verified when the request relates to personal information associated with that specific account.
We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
Response Timing and Format
Credit Join endeavors to respond to a verifiable consumer request within forty-five (45) days of receiving it. If Credit Join requires additional time to process your request, up to a maximum total of ninety (90) days from the date the request is received, we will notify you of this and inform you of the reason for requiring the additional time.
If you have an online account with us, we will deliver our written response to your online account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request or have denied a request, if applicable.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
Non-Discrimination
Credit Join will not discriminate against you for exercising any of your CCPA rights as described above. Unless permitted by the CCPA, Credit Join will not:
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Deny you goods or services.
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Describe your request with sufficient detail that allows Credit Join to properly understand, evaluate, and respond to it.
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Describe your request with sufficient detail that allows Credit Join to properly understand, evaluate, and respond to it.
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Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
Do Not Track Disclosures
How do we respond to Web browser “do not track” signals or other mechanisms that provide consumers the ability to exercise choice regarding the collection of personally identifiable information about an individual consumer’s online activities over time and across third-party websites or online services?
We currently do not respond to DNT signals in browsers because we do not track individual users across the web.
May other parties collect personally identifiable information about an individual consumer’s online activities over time and across different websites when they visit www.www.creditjoin.com?
No.
Other California Privacy Rights
California’s “Shine the Light” law (Civil Code Section § 1798.83) permits certain individuals that are California residents to request information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please email us at info@creditjoin.com or write to us at Credit Join, 555 Main Street, Suite 100, Los Angeles, CA 95959.
Changes to Our Privacy Notice
We reserve the right to amend this Notice at our discretion and at any time. When we make changes to this Notice, we will post the updated Notice on our website and update the Notice’s effective date. Your continued use of our website following the posting of changes constitutes your acceptance of such changes.
Contact Information
Credit Join is committed to responding promptly to any questions or concerns you may have about this Notice. If you have questions concerning the methods by which Credit Join collects or uses your personal information as explained in this Notice and our Online Privacy Policy, the rights granted to you under the CCPA, or how to exercise your rights, or if you are a consumer with a disability and you wish to receive a copy of this Notice, you can contact us by calling or emailing us:
Credit Join, LLC
Phone: 1-800-370-8681
Email: support@CreditJoin.com