Wisetack Privacy Policy

Last modified: August 13, 2019

We are committed to protecting your Personal Information, and have adopted policies and procedures designed to protect against its misuse or theft. Please read this Privacy Policy carefully, as it describes the ways Wisetack, Inc. (“Wisetack” “we” or “us” and including our affiliates and subsidiaries) collects, uses, discloses, and secures information we obtain through any of our websites or mobile applications you use (each, a “Site”). 

This Privacy Policy applies to the use of any Wisetack product or services (the “Services”) and is also incorporated by reference into our General Terms of Service (the “Terms”).  Any capitalized terms used and not defined in this Privacy Policy have the meaning given to them in the Terms.

Loans applied for and approved using our Services are either made directly by us, by a federally-insured, federal or state chartered financial institution or by a third-party non-bank lender that partners with Wisetack to provide the Services (the “Funding Partners”). For information about how any of our Funding Partners collect, use, and disclose your Personal Information obtained in connection with your loan, please visit their websites and consult their Privacy Policies and Privacy Notices.

PRIVACY NOTICE

This Privacy Policy also serves as our Notice to new and existing users of our Services with respect to Personal Information. The term “Personal Information” means information that alone or when in combination with other information may be used to readily identify, contact, or locate you, such as: name, address, email address, financial account or phone number.
 

ONLINE PRIVACY POLICY

HOW WISETACK COLLECTS YOUR INFORMATION

When you use the Services, including on a merchant website or software that has integrated the Services, we may collect information about you, including the following (and in addition to the Personal Information described in the Notice provided above):

  • Your name

  • Your email address

  • Your phone number

  • Your birth date

  • Your home street address

  • A debit card and/or financial account number and its associated account information;

  • Information you might provide should we invite you to participate in surveys;

  • Your device’s location information if your device settings are enabled to send it to us (we also infer your location from your IP address and other data, and use this information to provide and improve the Site); and

  • Other information, such as photographs, government identification, and other similar information to protect against fraud and identity theft.

In the course of communicating with us, you may also provide information in writing, through the Site, or over the phone which may be recorded and maintained in order to provide the Services to you, or as required by law. You agree to promptly notify us if there are any changes to your Personal Information by contacting us at the information provided below.

Information Wisetack Collects from Third Parties

We may also obtain information about you from third parties such as credit bureaus and identity verification services. You may also choose to provide us with access to certain Personal Information stored by third parties. By associating an account managed by a third party with your Wisetack account and authorizing Wisetack to have access to this information, you agree that Wisetack may collect, store and use this information in accordance with this Privacy Policy.

Cookies and Anonymous Identifiers

When you visit our Site or open our emails, we and our third-party partners, such as advertising networks, social media widgets, and analytics providers, collect certain information by automated means, such as cookies, web beacons and web server logs. By using the Site, you consent to the placement of cookies, beacons, and other similar technology in your browser and on emails in accordance with this Privacy Policy.  The information collected in this manner includes IP address, browser characteristics, device IDs and characteristics, location, mobile network information, operating system version, language preferences, referring URLs, and information about the usage of our Site and any other available usage information. We may use this information, for example, to determine how many users have visited certain pages or opened messages or newsletters, or to prevent fraud.  We may link this data to your profile. 

Our partners also may collect and combine information collected on our Site and emails with other information about your online activities over time, on other devices, and on other websites or apps, if those websites and apps also use the same partners.  We currently use Google Analytics to collect and process certain website usage data.  To learn more about Google Analytics and how to opt out, please visit www.google.com/policies/privacy/partners/. 

You may be able to change browser settings to block and delete cookies when you access the Site through a web browser.  However, if you do that, the Site may not work properly.  The Site does not respond to browser do-not-track signals.

HOW WISETACK RETAINS AND PROTECTS YOUR INFORMATION

To enable us to provide the Services and for compliance purposes, we will retain your information in accordance with our data retention policies even after you have used the Services.

Wisetack stores and processes your information maintaining physical, electronic and procedural safeguards in accordance with our information security policy. We maintain physical security measures to guard against unauthorized access to systems and use safeguards such as firewalls and data encryption. We enforce physical access controls to our buildings, and we authorize access to personal information only for those employees or agents who require it to fulfill the responsibilities of their jobs. Although we work to protect your Personal Information, you should be aware that no technology is perfect and that there is always some risk involved in transferring data over the Internet, particularly if you send information to us through an unsecured means, such as email.

HOW WISETACK USES YOUR INFORMATION

As described in the Notice above, we may use your information for everyday business purposes and marketing purposes. Additionally, we may use your information to:

  1. Operate, evaluate and improve our business (including develop new products and services or improve them and your experience with them, performing data analytics, and performing accounting, auditing and other internal functions);

  2. Support internal business operations, including assessing and managing risk and meeting legal and regulatory requirements;

  3. Contact you by mail, telephone, text message, push notifications to your mobile device if you have downloaded our app and enabled notifications, or email, in connection with your account or to deliver updates to our services (for example, we may use email to send you information about our products or services and new offers which we think may interest you);

  4. Provide technical support for using the Services;

  5. Verify your identity, prevent or detect fraud or other unauthorized or illegal activity;

  6. Comply with contractual obligations, relevant industry standards and our policies;

  7. Monitor and analyze trends and usage;

  8. Respond to your requests;

  9. Resolve disputes; and

  10. Enforce this Privacy Policy, the Terms of Use, and any other terms that you have agreed to, including to protect the rights, property, or safety of us, our users, or any other person or the copyright-protected content of the Services.

Aggregate Data.  We anonymize or aggregate data collected through the Site and may use and disclose it for any purpose.

SHARING YOUR INFORMATION WITH OTHER PARTIES

We share your Personal Information with employees, affiliates, vendors, partners, merchant partners, marketing providers, and third parties as required to offer the Service (such as the Funding Partners,  financing partners to fulfill certain contractual obligations, and third parties who may purchase your loan or the rights to service it). Our sharing of your Personal Information for these purposes includes, but is not limited to, processing transactions, maintaining your account, responding to court orders and legal investigations, litigation purposes, complying with audits or other investigations, and reporting to credit bureaus. By using the Services, you consent to Wisetack sharing your Personal Information with merchants you use the Services with, for those merchants to market to you. We do this to help merchants personalize services and offers, so you can have a better experience. You may opt out of this sharing at any time by contacting us at the information provided below. If you choose to do so, we will stop sharing your information with merchants from that point onward, except as necessary to complete transactions you initiate. We do not limit our third-party providers from using, selling, licensing, distributing or disclosing any aggregated or de-identified data.

We may also share Personal Information with another business or non-affiliated entity or its affiliates, advisors or service providers in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of any or all of our assets (some of the Personal Information that we hold may be among the assets transferred to a buyer or other successor in connection with, or during negotiations of, any joint marketing relationship, merger, acquisition, sale of assets or any line of business, change in ownership control or financing transaction). If we do, we may not limit how such other party may use or further transfer your information.

HOW WISETACK DOES NOT USE YOUR INFORMATION

We do not sell or rent your Personal Information to third parties, but may use it as described herein.

CHILDREN’S PRIVACY

The Site is not intended for children, and our Service is only intended for adults.  As described in our Terms, no one under age 18 may provide any Personal Information to the Site and we do not intend to collect Personal Information from children.  Parents or adults can use various readily available software programs or other methods to prevent children or minors from accessing the Site or our Services. If you believe we might have any information from or about an individual who is under the age limit for use of the Services or for an unintended applicant on our Site, such as a child, please contact us.

MERCHANTS AND PARTNERS’ PRIVACY POLICIES

This Privacy Policy only applies to your use of the Services or access to the Site. Merchants or our Funding Partners using the Services may have different privacy policies with respect to the handling of your information. The Services are not, and are not intended to be, a part of merchants’ privacy policies. Before providing them with your Personal Information, you should consult their privacy policies.

INTERNATIONAL USERS

If you are using the Site, you agree to the transfer of your information to the United States and processing globally. By providing your information you consent to any transfer and processing in accordance with this Privacy Policy. While certain merchant’s products may be sold outside the United States, including in the European Union, the Services and the Site are not marketed to or intended to be used by any non-United States resident.

UPDATE YOUR INFORMATION OR POSE A QUESTION OR SUGGESTION

If you would like to request that we update or correct any information that you have provided to us through your use of the Site or otherwise, or if you have suggestions for improving this Privacy Policy, please send an email to support@wisetack.com.  If you are under the age of 18 and a California resident, you may request that content or information you posted to the Site no longer be publicly accessible from the Site by sending an email to support@wisetack.com.  After completing the request, we may continue to hold your content and information and such content and information may remain publicly available if your association with the content and information is removed or another user posted, copied, or re-posted the content and information.

CHANGES TO OUR PRIVACY POLICY AND PRACTICES

Posting of a Revised Privacy Policy.  We may make changes to this Privacy Policy from time to time, and the revised version will be effective when it is posted. If we make any material changes, we will let you know through the Site, by email, or other communication. We encourage you to read this Privacy Policy periodically to stay up-to-date about our privacy practices. As long as you use the Site, you are agreeing to this Privacy Policy and any updates we make to it.

California Privacy Rights

Under California’s “Shine the Light” law, California residents who provide Personal Information in obtaining products or services for personal, family, or household use are entitled to request and obtain from us once a calendar year information about the customer information we shared, if any, with other businesses for their own direct marketing uses.  If applicable, this information would include the categories of customer information shared, the names and addresses of those businesses with which we shared customer information for the immediately prior calendar year, and descriptions of the likely types of marketing the third parties would send.

To obtain this information from us, please send an email message to support@wisetack.com or mail us at the address below with “Request for California Privacy Information” on the subject line and in the body of your message.  If you are a California resident, we will provide the requested information to you at your e-mail address in response.

Please be aware that not all information sharing is covered by the “Shine the Light” requirements and only information on covered sharing will be included in our response.

Contact Information

Wisetack, Inc.
support@wisetack.com

460 Brannan St. #78384

San Francisco, CA 94107