{"id":537,"date":"2020-08-01T17:46:26","date_gmt":"2020-08-01T17:46:26","guid":{"rendered":"https:\/\/www.smartlycredit.com\/?page_id=537"},"modified":"2020-08-22T02:13:29","modified_gmt":"2020-08-22T02:13:29","slug":"privacy-policy","status":"publish","type":"page","link":"https:\/\/www.smartlycredit.com\/privacy-policy\/","title":{"rendered":"Privacy Policy"},"content":{"rendered":"\n<p><strong><span style=\"line-height: 22.5px; font-size: 26px;\">PRIVACY NOTICE<\/span><\/strong><\/p>\n<div data-custom-class=\"body\">\n<p style=\"font-size: 15px;\"><span style=\"color: #7f7f7f;\"><strong><span data-custom-class=\"subtitle\">Last updated July 14, 2020<\/span><\/strong><\/span><\/p>\n<p style=\"font-size: 15px;\"><span style=\"color: #595959;\"><span data-custom-class=\"body_text\">Thank you for choosing to be part of our community at SmartlyCredit.com (\u201c<strong>Company<\/strong>\u201d, \u201c<strong>we<\/strong>\u201d, \u201c<strong>us<\/strong>\u201d, or \u201c<strong>our<\/strong>\u201d). We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about this privacy notice, or our practices with regards to your personal information, please contact us at Hello@SmartlyCredit.com.<\/span><\/span><\/p>\n<p style=\"font-size: 15px;\"><span style=\"color: #595959;\"><span data-custom-class=\"body_text\">When you visit our website <a href=\"https:\/\/www.SmartlyCredit.com\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-custom-class=\"link\">https:\/\/www.SmartlyCredit.com\/<\/a> (the &#8220;<strong>Website<\/strong>&#8220;), and more generally, use any of our services (the &#8220;<strong>Services<\/strong>&#8220;, which include the <span style=\"color: #595959;\"><span data-custom-class=\"body_text\">Website<\/span><\/span><\/span><span data-custom-class=\"body_text\">), we appreciate that you are trusting us with your personal information. We take your privacy very seriously. In this privacy notice, we seek to explain to you in the clearest way possible what information we collect, how we use it and what rights you have in relation to it. We hope you take some time to read through it carefully, as it is important. If there are any terms in this privacy notice<span style=\"color: #595959;\">&nbsp;<\/span>that you do not agree with, please discontinue use of our Services immediately.<\/span><\/span><\/p>\n<p style=\"font-size: 15px;\"><span style=\"color: #595959;\"><span data-custom-class=\"body_text\">This privacy notice applies to all information collected through our Services (which, as described above, includes our Website<\/span><\/span><span data-custom-class=\"body_text\">), as well as any related services, sales, marketing or events.<\/span><\/p>\n<p style=\"font-size: 15px;\"><span style=\"color: #595959;\"><strong><span data-custom-class=\"body_text\">Please read this privacy notice<span style=\"color: #595959;\">&nbsp;<\/span>carefully as it will help you understand what we do with the information that we collect.<\/span><\/strong><\/span><\/p>\n<p style=\"font-size: 15px; line-height: 1.5;\"><span style=\"color: #595959;\">&nbsp;<\/span><\/p>\n<p style=\"font-size: 15px;\"><span style=\"color: #000000;\"><strong><span style=\"font-size: 19px;\"><span data-custom-class=\"heading_1\">TABLE OF CONTENTS<\/span><\/span><\/strong><\/span><\/p>\n<p style=\"font-size: 15px;\"><a href=\"#infocollect\" data-custom-class=\"link\"><span style=\"color: #595959;\">1. WHAT INFORMATION DO WE COLLECT?<\/span><\/a><\/p>\n<p style=\"font-size: 15px;\"><a href=\"#infouse\" data-custom-class=\"link\"><span style=\"color: #595959;\">2. HOW DO WE USE YOUR INFORMATION?<\/span><\/a><\/p>\n<p style=\"font-size: 15px;\"><span style=\"color: #595959;\"><a href=\"#infoshare\" data-custom-class=\"link\">3. WILL YOUR INFORMATION BE SHARED WITH ANYONE?<\/a><\/span><\/p>\n<p style=\"font-size: 15px;\"><a href=\"#3pwebsites\" data-custom-class=\"link\"><span style=\"color: #595959;\">4. WHAT IS OUR STANCE ON THIRD-PARTY WEBSITES?<\/span><\/a><\/p>\n<p style=\"font-size: 15px;\"><a href=\"#inforetain\" data-custom-class=\"link\"><span style=\"color: #595959;\">5. HOW LONG DO WE KEEP YOUR INFORMATION?<\/span><\/a><\/p>\n<p style=\"font-size: 15px;\"><a href=\"#infominors\" data-custom-class=\"link\"><span style=\"color: #595959;\">6. DO WE COLLECT INFORMATION FROM MINORS?<\/span><\/a><\/p>\n<p style=\"font-size: 15px;\"><a href=\"#privacyrights\" data-custom-class=\"link\"><span style=\"color: #595959;\">7. WHAT ARE YOUR PRIVACY RIGHTS?<\/span><\/a><\/p>\n<p style=\"font-size: 15px;\"><a href=\"#DNT\" data-custom-class=\"link\"><span style=\"color: #595959;\">8. CONTROLS FOR DO-NOT-TRACK FEATURES<\/span><\/a><\/p>\n<p style=\"font-size: 15px;\"><a href=\"#caresidents\" data-custom-class=\"link\"><span style=\"color: #595959;\">9. DO CALIFORNIA RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?<\/span><\/a><\/p>\n<p style=\"font-size: 15px;\"><a href=\"#policyupdates\" data-custom-class=\"link\"><span style=\"color: #595959;\">10. DO WE MAKE UPDATES TO THIS NOTICE?<\/span><\/a><\/p>\n<p style=\"font-size: 15px;\"><a href=\"#contact\" data-custom-class=\"link\"><span style=\"color: #595959;\">11. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?<\/span><\/a><\/p>\n<p style=\"font-size: 15px; line-height: 1.5;\"><span style=\"color: #595959;\">&nbsp;<\/span><\/p>\n<p id=\"infocollect\" style=\"font-size: 15px;\"><span style=\"color: #000000;\"><strong><span style=\"font-size: 19px;\"><span data-custom-class=\"heading_1\">1. WHAT INFORMATION DO WE COLLECT?<\/span><\/span><\/strong><\/span><\/p>\n<p style=\"font-size: 15px;\"><strong><span style=\"font-size: 16px;\"><span data-custom-class=\"heading_2\"><strong><span data-custom-class=\"heading_2\"><br>Personal information you disclose to us<\/span><\/strong><\/span><\/span><\/strong><\/p>\n<p style=\"font-size: 15px;\"><strong><span data-custom-class=\"body_text\"><em><span style=\"font-size: 15px;\">In Short: &nbsp;<\/span><\/em><\/span><\/strong><span data-custom-class=\"body_text\"><em><span style=\"font-size: 15px;\">We collect information that you provide to us.<\/span><\/em><\/span><\/p>\n<p style=\"font-size: 15px;\"><span data-custom-class=\"body_text\"><span style=\"font-size: 15px;\">We collect personal information that you voluntarily provide to us when you <\/span><\/span>express an interest in obtaining information about us or our products and Services, when you participate in activities on the <span data-custom-class=\"body_text\"><span style=\"font-size: 15px;\">Website<\/span><\/span> or otherwise when you contact us.<\/p>\n<p style=\"font-size: 15px;\"><span data-custom-class=\"body_text\"><span style=\"font-size: 15px;\">The personal information that we collect depends on the context of your interactions with us and the <span data-custom-class=\"body_text\">Website<\/span>, the choices you make and the products and features you use. The personal information we collect may include the following:<\/span><\/span><\/p>\n<p style=\"font-size: 15px;\"><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\"><strong>Personal Information Provided by You.<\/strong> We collect names; email addresses; phone numbers; and other similar information.<\/span><\/span><\/p>\n<div><span data-custom-class=\"body_text\">All personal information that you provide to us must be true, complete and accurate, and you must notify us of any changes to such personal information.<\/span><\/div>\n<p style=\"font-size: 15px;\"><strong><span style=\"font-size: 16px;\"><span data-custom-class=\"heading_2\"><strong><span data-custom-class=\"heading_2\"><br>Information automatically collected<\/span><\/strong><\/span><\/span><\/strong><\/p>\n<div><span data-custom-class=\"body_text\"><em><strong>In Short: &nbsp;<\/strong>Some information \u2014 such as your Internet Protocol (IP) address and\/or browser and device characteristics \u2014 is collected automatically when you visit our <span data-custom-class=\"body_text\"><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">Website<\/span><\/span><\/span>.<\/em><\/span><\/div>\n<div>&nbsp;<\/div>\n<div><span data-custom-class=\"body_text\">We automatically collect certain information when you visit, use or navigate the <span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">Website<\/span><\/span>. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about who and when you use our <span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">Website<\/span><\/span> and other technical information. This information is primarily needed to maintain the security and operation of our <span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">Website<\/span><\/span>, and for our internal analytics and reporting purposes.<\/span><\/div>\n<div>&nbsp;<\/div>\n<div><span data-custom-class=\"body_text\">The information we collect includes:<\/span><\/div>\n<ul>\n<li><span style=\"font-size: 15px;\"><span style=\"color: #595959;\"><span data-custom-class=\"body_text\"><em>Log and Usage Data.<\/em> Log and usage data is service-related, diagnostic usage and performance information our servers automatically collect when you access or use our <span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">Website<\/span><\/span> and which we record in log files. Depending on how you interact with us, this log data may include your IP address, device information, browser type and settings and information about your activity in the <span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">Website<\/span><\/span> (such as the date\/time stamps associated with your usage, pages and files viewed, searches and other actions you take such as which features you use), device event information (such as system activity, error reports (sometimes called &#8216;crash dumps&#8217;) and hardware settings).<\/span><\/span><\/span><\/li>\n<\/ul>\n<div>&nbsp;<\/div>\n<ul>\n<li><span data-custom-class=\"body_text\"><span style=\"color: #595959;\"><span style=\"font-size: 15px;\"><em>Device Data.&nbsp;<\/em>We collect device data such as information about your computer, phone, tablet or other device you use to access the&nbsp;<\/span><\/span><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">Website<\/span><\/span><span style=\"color: #595959;\"><span style=\"font-size: 15px;\">. Depending on the device used, this device data may include information such as your IP address (or proxy server), device application identification numbers, location, browser type, hardware model Internet service provider and\/or mobile carrier, operating system configuration&nbsp;information.<\/span><\/span><\/span><\/li>\n<\/ul>\n<div>&nbsp;<\/div>\n<ul>\n<li><span style=\"font-size: 15px;\"><span style=\"color: #595959;\"><span data-custom-class=\"body_text\"><em>Location Data.<\/em> We collect information data such as information about your device&#8217;s location, which can be either precise or imprecise. How much information we collect depends on the type of settings of the device you use to access the <span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">Website<\/span><\/span>. For example, we may use GPS and other technologies to collect geolocation data that tells us your current location (based on your IP address). You can opt out of allowing us to collect this information either by refusing access to the information or by disabling your Locations settings on your device. Note however, if you choose to opt out, you may not be able to use certain aspects of the Services.<\/span><\/span><\/span><\/li>\n<\/ul>\n<div>\n<p>&nbsp;<\/p>\n<p id=\"infouse\" style=\"font-size: 15px;\"><span style=\"color: #000000;\"><strong><span style=\"font-size: 19px;\"><span data-custom-class=\"heading_1\">2. HOW DO WE USE YOUR INFORMATION?<\/span><\/span><\/strong><\/span><\/p>\n<p style=\"font-size: 15px;\"><span data-custom-class=\"body_text\"><em><strong>In Short: &nbsp;<\/strong>We process your information for purposes based on legitimate business interests, the fulfillment of our contract with you, compliance with our legal obligations, and\/or your consent.<\/em><\/span><\/p>\n<p style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">We use personal information collected via our <span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">Website<\/span><\/span> for a variety of business purposes described below. We process your personal information for these purposes in reliance on our legitimate business interests, in order to enter into or perform a contract with you, with your consent, and\/or for compliance with our legal obligations. We indicate the specific processing grounds we rely on next to each purpose listed below.<\/span><\/p>\n<p style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">We use the information we collect or receive:<\/span><\/p>\n<ul>\n<li><span style=\"font-size: 15px;\"><span style=\"color: #595959;\"><strong><span data-custom-class=\"body_text\">To send you marketing and promotional communications.<\/span><\/strong><span data-custom-class=\"body_text\">&nbsp;We and\/or our third-party marketing partners may use the personal information you send to us for our marketing purposes, if this is in accordance with your marketing preferences. For example, when expressing an interest in obtaining information about us or our <span style=\"font-size: 15px;\"><span style=\"color: #595959;\"><span data-custom-class=\"body_text\">Website<\/span><\/span><\/span>, subscribing to marketing or otherwise contacting us, we will collect personal information from you. You can opt-out of our marketing emails at any time (see the &#8220;<\/span><\/span><\/span><span data-custom-class=\"body_text\"><a href=\"#privacyrights\" data-custom-class=\"link\"><span style=\"font-size: 15px;\"><span style=\"color: #595959;\">WHAT ARE YOUR PRIVACY RIGHTS<\/span><\/span><\/a><\/span><span style=\"font-size: 15px;\"><span style=\"color: #595959;\"><span data-custom-class=\"body_text\">&#8221; below).<\/span><\/span><\/span><\/li>\n<li><span style=\"font-size: 15px;\"><span style=\"color: #595959;\"><strong><span data-custom-class=\"body_text\">Deliver targeted advertising to you.&nbsp;<\/span><\/strong><span data-custom-class=\"body_text\">We may use your information to develop and display personalized content and advertising (and work with third parties who do so) tailored to your interests and\/or location and to measure its effectiveness.<\/span><\/span><\/span><\/li>\n<\/ul>\n<p id=\"infoshare\" style=\"font-size: 15px;\"><span style=\"color: #000000;\"><strong><span style=\"font-size: 19px;\"><span data-custom-class=\"heading_1\">3. WILL YOUR INFORMATION BE SHARED WITH ANYONE?<\/span><\/span><\/strong><\/span><\/p>\n<p style=\"font-size: 15px;\"><span style=\"color: #595959;\"><strong><em><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">In Short:<\/span><\/span>&nbsp;<\/em>&nbsp;<\/strong><span style=\"font-size: 15px;\"><em><span data-custom-class=\"body_text\">We only share information with your consent, to comply with laws, to provide you with services, to protect your rights, or to fulfill business obligations.<\/span><\/em><\/span><\/span><\/p>\n<div><span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\">We may process or share your data that we hold based on the following legal basis:<\/span><\/span><\/div>\n<ul>\n<li><span data-custom-class=\"body_text\"><span data-custom-class=\"body_text\"><span style=\"color: #595959; font-size: 15px;\"><strong>Consent:<\/strong> We may process your data if you have given us specific consent to use your personal information in a specific purpose.<\/span><\/span><\/span><\/li>\n<li><span data-custom-class=\"body_text\"><span data-custom-class=\"body_text\"><span style=\"color: #595959; font-size: 15px;\"><strong>Legitimate Interests:<\/strong> We may process your data when it is reasonably necessary to achieve our legitimate business interests.<\/span><\/span><\/span><\/li>\n<li><span data-custom-class=\"body_text\"><span data-custom-class=\"body_text\"><span style=\"color: #595959; font-size: 15px;\"><strong>Performance of a Contract:&nbsp;<\/strong>Where we have entered into a contract with you, we may process your personal information to fulfill the terms of our contract.<\/span><\/span><\/span><\/li>\n<li><span data-custom-class=\"body_text\"><span data-custom-class=\"body_text\"><span style=\"color: #595959; font-size: 15px;\"><strong>Legal Obligations:<\/strong> We may disclose your information where we are legally required to do so in order to comply with applicable law, governmental requests, a judicial proceeding, court order, or legal process, such as in response to a court order or a subpoena (including in response to public authorities to meet national security or law enforcement requirements).<\/span><\/span><\/span><\/li>\n<li><span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\"><strong>Vital Interests:<\/strong> We may disclose your information where we believe it is necessary to investigate, prevent, or take action regarding potential violations of our policies, suspected fraud, situations involving potential threats to the safety of any person and illegal activities, or as evidence in litigation in which we are involved.<\/span><\/span><\/li>\n<\/ul>\n<p style=\"font-size: 15px;\"><span style=\"font-size: 15px;\"><span style=\"color: #595959;\"><span data-custom-class=\"body_text\">More specifically, we may need to process your data or share your personal information in the following situations:<\/span><\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-size: 15px;\"><span style=\"color: #595959;\"><strong><span data-custom-class=\"body_text\">Business Transfers.<\/span><\/strong><span data-custom-class=\"body_text\">&nbsp;We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.<\/span><\/span><\/span><\/li>\n<\/ul>\n<div>\n<div>&nbsp;<\/div>\n<ul>\n<li><span style=\"font-size: 15px;\"><span style=\"color: #595959;\"><strong><span data-custom-class=\"body_text\">Affiliates.<\/span><\/strong><span data-custom-class=\"body_text\">&nbsp;We may share your information with our affiliates, in which case we will require those affiliates to honor this privacy notice. Affiliates include our parent company and any subsidiaries, joint venture partners or other companies that we control or that are under common control with us.<\/span><\/span><\/span><\/li>\n<\/ul>\n<div>\n<div>\n<p>&nbsp;<\/p>\n<p style=\"font-size: 15px; line-height: 1.5;\"><span style=\"color: #595959;\">&nbsp;<\/span><\/p>\n<p id=\"3pwebsites\" style=\"font-size: 15px; line-height: 1.5;\"><span style=\"color: #000000;\"><strong><span style=\"font-size: 19px;\"><span data-custom-class=\"heading_1\">4. WHAT IS OUR STANCE ON THIRD-PARTY WEBSITES?<\/span><\/span><\/strong><\/span><\/p>\n<p style=\"font-size: 15px;\"><span style=\"color: #595959;\"><strong><em><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">In Short:<\/span><\/span>&nbsp;<\/em>&nbsp;<\/strong><span style=\"font-size: 15px;\"><em><span data-custom-class=\"body_text\">We are not responsible for the safety of any information that you share with third-party providers who advertise, but are not affiliated with, our Website.<\/span><\/em><\/span><\/span><\/p>\n<p style=\"font-size: 15px;\"><span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\">The <span style=\"font-size: 15px;\"><span style=\"color: #595959;\"><span data-custom-class=\"body_text\"><span style=\"font-size: 15px;\"><span style=\"color: #595959;\"><span data-custom-class=\"body_text\">Website<\/span><\/span><\/span><\/span><\/span><\/span><\/span><span data-custom-class=\"body_text\">&nbsp;may contain advertisements from third parties that are not affiliated with us and which may link to other websites, online services or mobile applications. We cannot guarantee the safety and privacy of data you provide to any third parties. Any data collected by third parties is not covered by this privacy notice. We are not responsible for the content or privacy and security practices and policies of any third parties, including other websites, services or applications that may be linked to or from the <span style=\"font-size: 15px;\"><span style=\"color: #595959;\"><span data-custom-class=\"body_text\"><span style=\"font-size: 15px;\"><span style=\"color: #595959;\"><span data-custom-class=\"body_text\">Website<\/span><\/span><\/span><\/span><\/span><\/span><\/span><span data-custom-class=\"body_text\">. You should review the policies of such third parties and contact them directly to respond to your questions.<\/span><\/span><\/p>\n<p style=\"font-size: 15px; line-height: 1.5;\"><span style=\"color: #595959;\">&nbsp;<\/span><\/p>\n<p id=\"inforetain\" style=\"font-size: 15px;\"><span style=\"color: #000000;\"><strong><span style=\"font-size: 19px;\"><span data-custom-class=\"heading_1\">5. HOW LONG DO WE KEEP YOUR INFORMATION?<\/span><\/span><\/strong><\/span><\/p>\n<p style=\"font-size: 15px;\"><span style=\"color: #595959;\"><strong><em><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">In Short:<\/span><\/span>&nbsp;<\/em>&nbsp;<\/strong><span style=\"font-size: 15px;\"><em><span data-custom-class=\"body_text\">We keep your information for as long as necessary to fulfill the purposes outlined in this privacy notice<span style=\"color: #595959;\">&nbsp;<\/span>unless otherwise required by law.<\/span><\/em><\/span><\/span><\/p>\n<p style=\"font-size: 15px;\"><span style=\"font-size: 15px;\"><span style=\"color: #595959;\"><span data-custom-class=\"body_text\">We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice, unless a longer retention period is required or permitted by law (such as tax, accounting or other legal requirements). No purpose in this notice will require us keeping your personal information for longer than __________.<\/span><\/span><\/span><\/p>\n<p style=\"font-size: 15px;\"><span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\">When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.<\/span><\/span><\/p>\n<p style=\"font-size: 15px; line-height: 1.5;\"><span style=\"color: #595959;\">&nbsp;<\/span><\/p>\n<p id=\"infominors\" style=\"font-size: 15px;\"><span style=\"color: #000000;\"><strong><span style=\"font-size: 19px;\"><span data-custom-class=\"heading_1\">6. DO WE COLLECT INFORMATION FROM MINORS?<\/span><\/span><\/strong><\/span><\/p>\n<p style=\"font-size: 15px;\"><span style=\"color: #595959;\"><strong><em><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">In Short:<\/span><\/span>&nbsp;<\/em>&nbsp;<\/strong><span style=\"font-size: 15px;\"><em><span data-custom-class=\"body_text\">We do not knowingly collect data from or market to children under 18 years of age.<\/span><\/em><\/span><\/span><\/p>\n<p style=\"font-size: 15px;\"><span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\">We do not knowingly solicit data from or market to children under 18 years of age. By using the <span style=\"font-size: 15px;\"><span style=\"color: #595959;\"><span data-custom-class=\"body_text\"><span style=\"font-size: 15px;\"><span style=\"color: #595959;\"><span data-custom-class=\"body_text\">Website<\/span><\/span><\/span><\/span><\/span><\/span>, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent\u2019s use of the <span style=\"font-size: 15px;\"><span style=\"color: #595959;\"><span data-custom-class=\"body_text\"><span style=\"font-size: 15px;\"><span style=\"color: #595959;\"><span data-custom-class=\"body_text\">Website<\/span><\/span><\/span><\/span><\/span><\/span>. If we learn that personal information from users less than 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data we may have collected from children under age 18, please contact us at hello@SmartlyCredit.com.<\/span><\/span><\/p>\n<p style=\"font-size: 15px; line-height: 1.5;\"><span style=\"color: #595959;\">&nbsp;<\/span><\/p>\n<p id=\"privacyrights\" style=\"font-size: 15px;\"><span style=\"color: #000000;\"><strong><span style=\"font-size: 19px;\"><span data-custom-class=\"heading_1\">7. WHAT ARE YOUR PRIVACY RIGHTS?<\/span><\/span><\/strong><\/span><\/p>\n<p style=\"font-size: 15px;\"><span style=\"color: #595959;\"><strong><em><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">In Short:<\/span><\/span>&nbsp;<\/em>&nbsp;<\/strong><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\"><em>You may review, change, or terminate your account at any time.<\/em><\/span><\/span><\/span><\/p>\n<p style=\"font-size: 15px;\"><span style=\"font-size: 15px;\"><span style=\"color: #595959;\"><span data-custom-class=\"body_text\">If you are resident in the European Economic Area and you believe we are unlawfully processing your personal information, you also have the right to complain to your local data protection supervisory authority. You can find their contact details here:<span style=\"font-size: 15px;\">&nbsp;<\/span><span style=\"color: #3030f1;\"><span data-custom-class=\"body_text\"><a href=\"http:\/\/ec.europa.eu\/justice\/data-protection\/bodies\/authorities\/index_en.htm\" target=\"_blank\" rel=\"noopener noreferrer\" data-custom-class=\"link\"><span style=\"font-size: 15px;\">http:\/\/ec.europa.eu\/justice\/data-protection\/bodies\/authorities\/index_en.htm<\/span><\/a><\/span><\/span><\/span><\/span><\/span><span data-custom-class=\"body_text\"><span style=\"color: #3030f1;\"><span style=\"font-size: 15px;\">.<\/span><\/span><\/span><\/p>\n<p style=\"font-size: 15px;\"><span style=\"font-size: 15px;\"><span style=\"color: #595959;\"><span data-custom-class=\"body_text\">If you are resident in Switzerland, the contact details for the data protection authorities are available here: <span style=\"color: #3030f1;\"><span data-custom-class=\"body_text\"><span style=\"font-size: 15px;\"><a href=\"https:\/\/www.edoeb.admin.ch\/edoeb\/en\/home.html\" target=\"_blank\" rel=\"noopener noreferrer\" data-custom-class=\"link\">https:\/\/www.edoeb.admin.ch\/edoeb\/en\/home.html<\/a>.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<p id=\"DNT\" style=\"font-size: 15px;\"><span style=\"color: #000000;\"><strong><span style=\"font-size: 19px;\"><span data-custom-class=\"heading_1\">8. CONTROLS FOR DO-NOT-TRACK FEATURES<\/span><\/span><\/strong><\/span><\/p>\n<p style=\"font-size: 15px;\"><span style=\"color: #595959;\"><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track (\u201cDNT\u201d) feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage, no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this privacy notice.<\/span><\/span><\/span><\/p>\n<p id=\"caresidents\" style=\"font-size: 15px;\"><span style=\"color: #000000;\"><strong><span style=\"font-size: 19px;\"><span data-custom-class=\"heading_1\">9. DO CALIFORNIA RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?<\/span><\/span><\/strong><\/span><\/p>\n<p style=\"font-size: 15px;\"><span style=\"color: #595959;\"><strong><em><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">In Short:<\/span><\/span>&nbsp;<\/em>&nbsp;<\/strong><span style=\"font-size: 15px;\"><em><span data-custom-class=\"body_text\">Yes, if you are a resident of California, you are granted specific rights regarding access to your personal information.<\/span><\/em><\/span><\/span><\/p>\n<p style=\"font-size: 15px;\"><span style=\"font-size: 15px;\"><span style=\"color: #595959;\"><span data-custom-class=\"body_text\">California Civil Code Section 1798.83, also known as the \u201cShine The Light\u201d law, permits our users who are California residents to request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to us using the contact information provided below.<\/span><\/span><\/span><\/p>\n<p style=\"font-size: 15px;\"><span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\">If you are under 18 years of age, reside in California, and have a registered account with <span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\"><span style=\"font-size: 15px;\"><span style=\"color: #595959;\"><span data-custom-class=\"body_text\">the Website<\/span><\/span><\/span><\/span><\/span>, you have the right to request removal of unwanted data that you publicly post on the <span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\"><span style=\"font-size: 15px;\"><span style=\"color: #595959;\"><span data-custom-class=\"body_text\">Website<\/span><\/span><\/span><\/span><\/span>. To request removal of such data, please contact us using the contact information provided below, and include the email address associated with your account and a statement that you reside in California. We will make sure the data is not publicly displayed on the <span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\"><span style=\"font-size: 15px;\"><span style=\"color: #595959;\"><span data-custom-class=\"body_text\">Website<\/span><\/span><\/span><\/span><\/span>, but please be aware that the data may not be completely or comprehensively removed from all our systems (e.g. backups, etc.). &nbsp;<\/span><\/span><\/p>\n<div style=\"line-height: 1.1;\">&nbsp;<\/div>\n<div><span style=\"font-size: 16px;\"><span style=\"color: #000000;\"><strong><span data-custom-class=\"heading_2\">CCPA Privacy Notice<\/span><\/strong><\/span><\/span><\/div>\n<p style=\"font-size: 15px;\"><span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\">The California Code of Regulations defines a &#8220;resident&#8221; as:<\/span><\/span><\/p>\n<p style=\"font-size: 15px; margin-left: 20px;\"><span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\">(1) every individual who is in the State of California for other than a temporary or transitory purpose and<\/span><\/span><\/p>\n<p style=\"font-size: 15px; margin-left: 20px;\"><span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\">(2) every individual who is domiciled in the State of California who is outside the State of California for a temporary or transitory purpose<\/span><\/span><\/p>\n<div><span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\">All other individuals are defined as &#8220;non-residents.&#8221;<\/span><\/span><\/div>\n<div>&nbsp;<\/div>\n<div><span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\">If this definition of &#8220;resident&#8221; applies to you, certain rights and obligations apply regarding your personal information.<\/span><\/span><\/div>\n<div>&nbsp;<\/div>\n<div><span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\"><strong>What categories of personal information do we collect?<\/strong><\/span><\/span><\/div>\n<div>&nbsp;<\/div>\n<div><span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\">We have collected the following categories of personal information in the past twelve (12) months: <\/span><\/span><\/div>\n<div><span data-custom-class=\"body_text\">&nbsp;<\/span><\/div>\n<table style=\"width: 100%; margin-right: calc(0%); margin-left: calc(0%);\">\n<tbody>\n<tr>\n<td style=\"width: 33.4086%; border: 1px solid black;\"><span data-custom-class=\"body_text\"><strong>Category<\/strong><\/span><\/td>\n<td style=\"width: 51.7352%; border-top: 1px solid black; border-right: 1px solid black; border-bottom: 1px solid black;\"><span data-custom-class=\"body_text\"><strong>Examples<\/strong><\/span><\/td>\n<td style=\"width: 14.9677%; border-right: 1px solid black; border-bottom: 1px solid black; border-top: 1px solid black;\"><span data-custom-class=\"body_text\"><strong>Collected<\/strong><\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.4086%; border-bottom: 1px solid black; border-left: 1px solid black; border-right: 1px solid black;\"><span data-custom-class=\"body_text\">A. Identifiers<\/span><\/td>\n<td style=\"width: 51.7352%; border-bottom: 1px solid black; border-right: 1px solid black;\"><span data-custom-class=\"body_text\">Contact details, such as real name, alias, postal address, telephone or mobile contact number, unique personal identifier, online identifier, Internet Protocol address, email address and account name<br><\/span><\/td>\n<td style=\"width: 14.9677%; border-right: 1px solid black; border-bottom: 1px solid black; text-align: center;\"><span data-custom-class=\"body_text\">NO<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.4086%; border-left: 1px solid black; border-right: 1px solid black; border-bottom: 1px solid black;\"><span data-custom-class=\"body_text\">B. Personal information categories listed in the California Customer Records statute<\/span><\/td>\n<td style=\"width: 51.7352%; border-right: 1px solid black; border-bottom: 1px solid black;\"><span data-custom-class=\"body_text\">Name, contact information, education, employment, employment history and financial information<br><\/span><\/td>\n<td style=\"width: 14.9677%; border-right: 1px solid black; border-bottom: 1px solid black; text-align: center;\"><span data-custom-class=\"body_text\">YES<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.4086%; border-left: 1px solid black; border-right: 1px solid black; border-bottom: 1px solid black;\"><span data-custom-class=\"body_text\">C. Protected classification characteristics under California or federal law<\/span><\/td>\n<td style=\"width: 51.7352%; border-right: 1px solid black; border-bottom: 1px solid black;\"><span data-custom-class=\"body_text\">Gender and date of birth<br><\/span><\/td>\n<td style=\"width: 14.9677%; border-right: 1px solid black; border-bottom: 1px solid black; text-align: center;\"><span data-custom-class=\"body_text\">NO<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.4086%; border-left: 1px solid black; border-right: 1px solid black; border-bottom: 1px solid black;\"><span data-custom-class=\"body_text\">D. Commercial information<\/span><\/td>\n<td style=\"width: 51.7352%; border-right: 1px solid black; border-bottom: 1px solid black;\"><span data-custom-class=\"body_text\">Transaction information, purchase history, financial details and payment information<br><\/span><\/td>\n<td style=\"width: 14.9677%; border-right: 1px solid black; border-bottom: 1px solid black; text-align: center;\"><span data-custom-class=\"body_text\">NO<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.4086%; border-left: 1px solid black; border-right: 1px solid black; border-bottom: 1px solid black;\"><span data-custom-class=\"body_text\">E. Biometric information<\/span><\/td>\n<td style=\"width: 51.7352%; border-bottom: 1px solid black; border-right: 1px solid black;\"><span data-custom-class=\"body_text\">Fingerprints and voiceprints<\/span><\/td>\n<td style=\"width: 14.9677%; border-right: 1px solid black; border-bottom: 1px solid black; text-align: center;\"><span data-custom-class=\"body_text\">NO<\/span><br><span data-custom-class=\"body_text\"><br><\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.4086%; border-left: 1px solid black; border-right: 1px solid black; border-bottom: 1px solid black;\"><span data-custom-class=\"body_text\">F. Internet or other similar network activity<\/span><\/td>\n<td style=\"width: 51.7352%; border-right: 1px solid black; border-bottom: 1px solid black;\"><span data-custom-class=\"body_text\">Browsing history, search history, online behavior, interest data, and interactions with our and other websites, applications, systems and advertisements<br><\/span><\/td>\n<td style=\"width: 14.9677%; border-right: 1px solid black; border-bottom: 1px solid black; text-align: center;\"><span data-custom-class=\"body_text\">NO<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.4086%; border-left: 1px solid black; border-right: 1px solid black; border-bottom: 1px solid black;\"><span data-custom-class=\"body_text\">G. Geolocation data<\/span><\/td>\n<td style=\"width: 51.7352%; border-right: 1px solid black; border-bottom: 1px solid black;\"><span data-custom-class=\"body_text\">Device location<\/span><\/td>\n<td style=\"width: 14.9677%; border-right: 1px solid black; border-bottom: 1px solid black; text-align: center;\"><span data-custom-class=\"body_text\">NO<\/span><br><span data-custom-class=\"body_text\"><br><\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.4086%; border-left: 1px solid black; border-right: 1px solid black; border-bottom: 1px solid black;\"><span data-custom-class=\"body_text\">H. Audio, electronic, visual, thermal, olfactory, or similar information<\/span><\/td>\n<td style=\"width: 51.7352%; border-right: 1px solid black; border-bottom: 1px solid black;\"><span data-custom-class=\"body_text\">Images and audio, video or call recordings created in connection with our business activities<br><\/span><\/td>\n<td style=\"width: 14.9677%; border-right: 1px solid black; border-bottom: 1px solid black; text-align: center;\"><span data-custom-class=\"body_text\">NO<\/span><br><span data-custom-class=\"body_text\"><br><\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.4086%; border-left: 1px solid black; border-right: 1px solid black; border-bottom: 1px solid black;\"><span data-custom-class=\"body_text\">I. Professional or employment-related information<\/span><\/td>\n<td style=\"width: 51.7352%; border-right: 1px solid black; border-bottom: 1px solid black;\"><span data-custom-class=\"body_text\">Business contact details in order to provide you our services at a business level, job title as well as work history and professional qualifications if you apply for a job with us<br><\/span><\/td>\n<td style=\"width: 14.9677%; border-right: 1px solid black; border-bottom: 1px solid black; text-align: center;\"><span data-custom-class=\"body_text\">NO<\/span><br><span data-custom-class=\"body_text\"><br><\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.4086%; border-left: 1px solid black; border-right: 1px solid black; border-bottom: 1px solid black;\"><span data-custom-class=\"body_text\">J. Education Information<\/span><\/td>\n<td style=\"width: 51.7352%; border-right: 1px solid black; border-bottom: 1px solid black;\"><span data-custom-class=\"body_text\">Student records and directory information<br><\/span><\/td>\n<td style=\"width: 14.9677%; border-right: 1px solid black; border-bottom: 1px solid black; text-align: center;\"><span data-custom-class=\"body_text\">NO<\/span><br><span data-custom-class=\"body_text\"><br><\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.4086%; border-left: 1px solid black; border-right: 1px solid black; border-bottom: 1px solid black;\"><span data-custom-class=\"body_text\">K. Inferences drawn from other personal information<\/span><\/td>\n<td style=\"width: 51.7352%; border-right: 1px solid black; border-bottom: 1px solid black;\"><span data-custom-class=\"body_text\">Inferences drawn from any of the collected personal information listed above to create a profile or summary about, for example, an individual\u2019s preferences and characteristics<br><\/span><\/td>\n<td style=\"width: 14.9677%; border-right: 1px solid black; border-bottom: 1px solid black; text-align: center;\"><span data-custom-class=\"body_text\">NO<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div>&nbsp;<\/div>\n<div>&nbsp;<\/div>\n<p style=\"font-size: 15px;\"><span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\">We may also collect other personal information outside of these categories in instances where you interact with us in-person, online, or by phone or mail in the context of:<\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-size: 15px;\"><span style=\"color: #595959;\"><span data-custom-class=\"body_text\">Receiving help through our customer support channels<\/span><\/span><\/span><\/li>\n<li><span style=\"font-size: 15px;\"><span style=\"color: #595959;\"><span data-custom-class=\"body_text\">Participation in customer surveys or contests; and<\/span><\/span><\/span><\/li>\n<li><span style=\"font-size: 15px;\"><span style=\"color: #595959;\"><span data-custom-class=\"body_text\">Facilitation in the delivery of our Services and to respond to your inquiries<\/span><\/span><\/span><\/li>\n<\/ul>\n<p style=\"font-size: 15px;\"><span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\"><strong>How do we use and share your personal information?<\/strong><\/span><\/span><\/p>\n<div><span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\">More information about our data collection and sharing practices can be found in this privacy notice<\/span><span data-custom-class=\"body_text\">.<\/span><\/span><\/div>\n<div>&nbsp;<\/div>\n<div><span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\">You may contact us by email at hello@SmartlyCredit.com, <\/span><\/span><span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\">by visiting <a href=\"https:\/\/www.SmartlyCredit.com\/contact\" target=\"_blank\" rel=\"noopener noreferrer\" data-custom-class=\"link\">https:\/\/www.SmartlyCredit.com\/contact<\/a>, <\/span><\/span><span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\">or by referring to the contact details at the bottom of this document.<\/span><\/span><\/div>\n<div>&nbsp;<\/div>\n<div><span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\">If you are using an authorized agent to exercise your right to opt-out, we may deny a request if the authorized agent does not submit proof that they have been validly authorized to act on your behalf.<\/span><\/span><\/div>\n<div>&nbsp;<\/div>\n<div><span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\"><span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\"><strong>Will your information be shared with anyone else?<\/strong><\/span><\/span><\/span><\/span><\/div>\n<div>&nbsp;<\/div>\n<div><span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\">We may disclose your personal information with our service providers pursuant to a written contract between us and each service provider. Each service provider is a for-profit entity that processes the information on our behalf.<\/span><\/span><\/div>\n<div>&nbsp;<\/div>\n<div><span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\">We may use your personal information for our own business purposes, such as for undertaking internal research for technological development and demonstration. This is not considered to be &#8220;selling&#8221; of your personal data.<\/span><\/span><\/div>\n<div>&nbsp;<\/div>\n<div><span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\">SmartlyCredit.com has not disclosed or sold any personal information to third parties for a business or commercial purpose in the preceding twelve (12) months. SmartlyCredit.com will not sell personal information in the future belonging to website visitors, users and other consumers.<\/span><\/span><\/div>\n<div>&nbsp;<\/div>\n<div><span style=\"color: #000000;\"><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\"><strong>Your rights with respect to your personal data<\/strong><\/span><\/span><\/span><\/div>\n<div><span style=\"color: #000000;\">&nbsp;<\/span><\/div>\n<div><span style=\"color: #000000;\"><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\"><u>Right to request deletion of the data &#8211; Request to delete<\/u><\/span><\/span><\/span><\/div>\n<div><span style=\"color: #000000;\">&nbsp;<\/span><\/div>\n<div><span style=\"color: #000000;\"><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">You can ask for the deletion of your personal information. If you ask us to delete your personal information, we will respect your request and delete your personal information, subject to certain exceptions provided by law, such as (but not limited to) the exercise by another consumer of his or her right to free speech, our compliance requirements resulting from a legal obligation or any processing that may be required to protect against illegal activities.<\/span><\/span><\/span><\/div>\n<div><span style=\"color: #000000;\">&nbsp;<\/span><\/div>\n<div><span style=\"color: #000000;\"><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\"><u>Right to be informed &#8211; Request to know<\/u><\/span><\/span><\/span><\/div>\n<div><span style=\"color: #000000;\">&nbsp;<\/span><\/div>\n<div><span style=\"color: #000000;\"><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">Depending on the circumstances, you have a right to know:<\/span><\/span><\/span><\/div>\n<ul>\n<li>\n<p style=\"font-size: 15px;\"><span style=\"color: #000000;\"><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">whether we collect and use your personal information;<\/span><\/span><\/span><\/p>\n<\/li>\n<li>\n<p style=\"font-size: 15px;\"><span style=\"color: #000000;\"><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">the categories of personal information that we collect;<\/span><\/span><\/span><\/p>\n<\/li>\n<li>\n<div><span style=\"color: #000000;\"><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">the purposes for which the collected personal information is used;<\/span><\/span><\/span><\/div>\n<\/li>\n<li>\n<p style=\"font-size: 15px;\"><span style=\"color: #000000;\"><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">whether we sell your personal information to third parties;<\/span><\/span><\/span><\/p>\n<\/li>\n<li>\n<p style=\"font-size: 15px;\"><span style=\"color: #000000;\"><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">the categories of personal information that we sold or disclosed for a business purpose;<\/span><\/span><\/span><\/p>\n<\/li>\n<li>\n<div><span style=\"color: #000000;\"><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">the categories of third parties to whom the personal information was sold or disclosed for a business purpose; and<\/span><\/span><\/span><\/div>\n<\/li>\n<li>\n<p style=\"font-size: 15px;\"><span style=\"color: #000000;\"><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">the business or commercial purpose for collecting or selling personal information.<\/span><\/span><\/span><\/p>\n<\/li>\n<\/ul>\n<div><span style=\"color: #000000;\"><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">In accordance with applicable law, we are not obligated to provide or delete consumer information that is de-identified in response to a consumer request or to re-identify individual data to verify a consumer request.<\/span><\/span><\/span><\/div>\n<div><span style=\"color: #000000;\">&nbsp;<\/span><\/div>\n<div><span style=\"color: #000000;\"><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\"><u>Right to Non-Discrimination for the Exercise of a Consumer&#8217;s Privacy Rights<\/u><\/span><\/span><\/span><\/div>\n<div><span style=\"color: #000000;\">&nbsp;<\/span><\/div>\n<div><span style=\"color: #000000;\"><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">We will not discriminate against you if you exercise your privacy rights.<\/span><\/span><\/span><\/div>\n<div><span style=\"color: #000000;\">&nbsp;<\/span><\/div>\n<div><span style=\"color: #000000;\"><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\"><u>Verification process<\/u><\/span><\/span><\/span><\/div>\n<div><span style=\"color: #000000;\">&nbsp;<\/span><\/div>\n<div><span style=\"color: #000000;\"><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">Upon receiving your request, we will need to verify your identity to determine you are the same person about whom we have the information in our system. These verification efforts require us to ask you to provide information so that we can match it with the information you have previously provided us. For instance, depending on the type of request you submit, we may ask you to provide certain information so that we can match the information you provide with the information we already have on file, or we may contact you through a communication method (e.g. phone or email) that you have previously provided to us. We may also use other verification methods as the circumstances dictate.<\/span><\/span><\/span><\/div>\n<div><span style=\"color: #000000;\">&nbsp;<\/span><\/div>\n<div><span style=\"color: #000000;\"><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">We will only use personal information provided in your request to verify your identity or authority to make the request. To the extent possible, we will avoid requesting additional information from you for the purposes of verification. If, however, if we cannot verify your identity from the information already maintained by us, we may request that you provide additional information for the purposes of verifying your identity, and for security or fraud-prevention purposes. We will delete such additionally provided information as soon as we finish verifying you.<\/span><\/span><\/span><\/div>\n<div><span style=\"color: #000000;\">&nbsp;<\/span><\/div>\n<div><span style=\"color: #000000;\"><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\"><u>Other privacy rights<\/u><\/span><\/span><\/span><\/div>\n<ul>\n<li>\n<p style=\"font-size: 15px;\"><span style=\"color: #000000;\"><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">you may object to the processing of your personal data<\/span><\/span><\/span><\/p>\n<\/li>\n<li>\n<p style=\"font-size: 15px;\"><span style=\"color: #000000;\"><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">you may request correction of your personal data if it is incorrect or no longer relevant, or ask to restrict the processing of the data<\/span><\/span><\/span><\/p>\n<\/li>\n<li>\n<div><span style=\"color: #000000;\"><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">you can designate an authorized agent to make a request under the CCPA on your behalf. We may deny a request from an authorized agent that does not submit proof that they have been validly authorized to act on your behalf in accordance with the CCPA.<\/span><\/span><\/span><\/div>\n<\/li>\n<li>\n<p style=\"font-size: 15px;\"><span style=\"color: #000000; font-size: 15px;\"><span data-custom-class=\"body_text\">you may request to opt-out from future selling of your personal information to third parties. Upon receiving a request to opt-out, we will act upon the request as soon as feasibly possible, but no later than 15 days from the date of the request submission.<\/span><\/span><\/p>\n<\/li>\n<\/ul>\n<div><span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\">To exercise these rights, you can contact us <span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\">by email at hello@SmartlyCredit.com, <\/span><\/span><span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\">by visiting <a href=\"https:\/\/www.SmartlyCredit.com\/contact\" target=\"_blank\" rel=\"noopener noreferrer\" data-custom-class=\"link\">https:\/\/www.SmartlyCredit.com\/contact<\/a>, <\/span><\/span><\/span><\/span><span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\">or by referring to the contact details at the bottom of this document. If you have a complaint about how we handle your data, we would like to hear from you.<\/span><\/span><\/div>\n<p style=\"font-size: 15px; line-height: 1.5;\"><span style=\"color: #595959;\">&nbsp;<\/span><\/p>\n<p id=\"policyupdates\" style=\"font-size: 15px; line-height: 1.5;\"><span style=\"color: #000000;\"><strong><span style=\"font-size: 19px;\"><span data-custom-class=\"heading_1\">10. DO WE MAKE UPDATES TO THIS NOTICE?<\/span><\/span><\/strong><\/span><\/p>\n<p style=\"font-size: 15px;\"><span style=\"color: #595959;\"><strong><em><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">In Short:<\/span><\/span>&nbsp;<\/em>&nbsp;<\/strong><span style=\"font-size: 15px;\"><em><span data-custom-class=\"body_text\">Yes, we will update this notice as necessary to stay compliant with relevant laws.<\/span><\/em><\/span><\/span><\/p>\n<p style=\"font-size: 15px;\"><span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\">We may update this privacy notice<span style=\"color: #595959;\">&nbsp;<\/span>from time to time. The updated version will be indicated by an updated \u201cRevised\u201d date and the updated version will be effective as soon as it is accessible. If we make material changes to this privacy notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this privacy notice<span style=\"color: #595959;\">&nbsp;<\/span>frequently to be informed of how we are protecting your information.<\/span><\/span><\/p>\n<p style=\"font-size: 15px; line-height: 1.5;\"><span style=\"color: #595959;\">&nbsp;<\/span><\/p>\n<p id=\"contact\" style=\"font-size: 15px;\"><span style=\"color: #000000;\"><strong><span style=\"font-size: 19px;\"><span data-custom-class=\"heading_1\">11. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?<\/span><\/span><\/strong><\/span><\/p>\n<p style=\"font-size: 15px;\"><span style=\"color: #595959; font-size: 15px;\"><span data-custom-class=\"body_text\">If you have questions or comments about this notice, you may email us at hello@SmartlyCredit.com or by post to:<\/span><\/span><\/p>\n<div><span style=\"color: #595959;\"><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\">SmartlyCredit.com<\/span><\/span>&nbsp;<\/span><\/div>\n<div><span data-custom-class=\"body_text\"><span style=\"color: #595959;\"><span style=\"font-size: 15px;\">680 E Colorado Blvd <\/span><\/span><\/span><\/div>\n<div><span data-custom-class=\"body_text\"><span style=\"color: #595959;\"><span style=\"font-size: 15px;\">Pasadena, CA 91101<\/span><\/span><\/span><\/div>\n<div><span data-custom-class=\"body_text\"><span style=\"color: #595959;\"><span style=\"font-size: 15px;\">United States<\/span><\/span><\/span><\/div>\n<p id=\"contact\" style=\"font-size: 15px;\"><strong><span data-custom-class=\"heading_1\">HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?<\/span><\/strong><\/p>\n<div><span data-custom-class=\"body_text\">Based on the applicable laws of your country, you may have the right to request access to the personal information we collect from you, change that information, or delete it in some circumstances. To request to review, update, or delete your personal information, please visit: <a href=\"https:\/\/www.SmartlyCredit.com\/contact\" target=\"_blank\" rel=\"noopener noreferrer\" data-custom-class=\"link\">https:\/\/www.SmartlyCredit.com\/contact<\/a>. We will respond to your request within 30 days.<\/span><\/div>\n<p style=\"font-size: 15px;\"><style>\n      ul {<br \/>        list-style-type: square;<br \/>      }<br \/>      ul > li > ul {<br \/>        list-style-type: circle;<br \/>      }<br \/>      ul > li > ul > li > ul {<br \/>        list-style-type: square;<br \/>      }<br \/>      ol li {<br \/>        font-family: Arial ;<br \/>      }<br \/>    <\/style><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>PRIVACY NOTICE Last updated July 14, 2020 Thank you for choosing to be part of our community at SmartlyCredit.com (\u201cCompany\u201d, \u201cwe\u201d, \u201cus\u201d, or \u201cour\u201d). We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about this privacy notice, or our practices with regards to your [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":[],"_links":{"self":[{"href":"https:\/\/www.smartlycredit.com\/wp-json\/wp\/v2\/pages\/537"}],"collection":[{"href":"https:\/\/www.smartlycredit.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.smartlycredit.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.smartlycredit.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.smartlycredit.com\/wp-json\/wp\/v2\/comments?post=537"}],"version-history":[{"count":0,"href":"https:\/\/www.smartlycredit.com\/wp-json\/wp\/v2\/pages\/537\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.smartlycredit.com\/wp-json\/wp\/v2\/media?parent=537"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}