Last Updated: May 1, 2024
Introduction. You are visiting a website owned and operated by Wise-Loans. Wise-Loans and its subsidiaries (collectively, “Wise-Loans”, “us”, “we”, or “our”) are committed to maintaining your confidence and trust as it relates to the privacy and usage of your information. Please read the following information carefully as it details how we collect, protect, share, and use your information. This Privacy Policy applies to Wise-Loans and all websites owned and operated by Wise-Loans on which this Privacy Policy is displayed (referred here after as Website(s) or Site(s), whether individually or collectively) as well as Wise-Loans affiliates.
This Agreement also applies to your use of any goods, facilities or services offered through the Websites (collectively “Services”), regardless of how they are accessed. If you do not agree with our Privacy Policy and practices regarding how Wise-Loans handles your personal information, you should not use our Website. Accessing or using this Website signifies and confirms your acceptance of the terms set forth in this Privacy Policy. This Privacy Policy may change from time to time in our sole discretion. Accordingly, you should visit this Website and review the Privacy Policy periodically to determine if any changes have been made. The date on which this Privacy Policy was last updated will be noted immediately above this Privacy Policy.
Information We Collect.
Personally Identifiable Information. In the course of using this Website, we collect information that could identify you such as your name, email address, mailing address, phone number, social security number, driver’s license number, bank information, employment history, information related to your income, and credit.
Other Information. We also collect other information that is not used to identify you, including, but not limited to, browser type, internet protocol (IP) address, device type, date and time stamp of visit, demographic data, and data about your online activity. We use cookies or similar technology to collect such information for advertising and other purposes.
How We Collect Information.
Information Provided by You. We collect personal information that you voluntarily provide when you enter it or otherwise provide it in connection with an inquiry into our Services. This information could be provided via an online phone, over the phone, electronic communication, or via other means in which you interact with our Services. Depending on the context of your interactions with us and the Services, the categories of personal information that we may collect directly from you include
Contact Information: including your name, street address, telephone number and email address.
Identifying Information: including your social security number, date of birth, and other similar identifiers.
Correspondence and Communications: including recordings of our email and phone conversations with you and any correspondence related to providing you with the Services.
Other Information You Choose to Provide: Including information you include in any webforms that you complete and submit and other information you provide during your interactions with us such as our chatbot on Freshworks
Information from Service Providers. Information may be collected from third-party service providers, such as credit bureaus and service providers who may have data on your financial profile, home, or other demographic information.
Information from Cookies and Other Tracking Technologies. We use cookies, web beacons, and similar technologies to record your preferences, track the use of our Website and collect information. This information may include IP addresses, browser type, internet service provider (ISP), referring pages, operating system, date and time stamp of visit, and/or click data.
Information Collected through Automated Means.
When you visit and interact with our Services, we may use cookies, pixels, web beacons, software development kits (SDKs), and other similar tracking technologies to collect certain information automatically
The specific types of information we (and our services providers and partners) may collect include:
Device Information: which includes the Internet Protocol (IP) address and/or other unique identifier(s) assigned to your device; the location of your device; and other information about your browser, device, and operating system.
Usage Information: which includes information about your interaction(s) with our Services (e.g., the date and time of your visit(s); the area(s) or page(s) that you visit; the amount of time you spend on a page or use our Services; the domain name from which you accessed our Services; and other click-stream or usage information). We may use cookies or other similar technologies to collect information about your behavior on the website (e.g., how you move and scroll through our Services, your keystrokes, how you interact with webforms, etc.) and the actions that you take upon receipt of an email from us.
Advertising and Analytics. We use third-party analytics and tracking tools to better understand who is using our Services, how the Services are used, and how to improve the effectiveness of our Services and related content. We may also use the information collected to draw inferences. For example, we use Google Analytics and Meta Pixels to better understand how users interact with our Services.
Google Analytics. For information on Google Analytics’ information-handling practices and how you can control the use of information sent to Google, visit https://policies.google.com/technologies/partner-sites. If you wish to prevent your information being used by Google Analytics, Google has developed the Google Analytics opt-out browser add-on available at https://tools.google.com/dlpage/gaoptout.
Meta Pixels. For information on Meta Pixels’ information-handling practices and how you can control the use of information sent to Meta. If you wish to prevent your information being used by Meta Pixels, Meta has developed a method for users to opt-out of the collection and use of information for ad targeting at https://www.facebook.com/about/ads.
Interest-based Advertising. We use third-party tools and services such as Google, Meta, TikTok, and other companies that use tracking technologies to serve interest-based advertisements to you across the internet. These tools may include cookies, pixels, web beacons, and/or other similar tracking technologies that automatically collect, store, and/or transmit certain information about your interaction(s) with our Services and other websites and mobile apps that you interact with and use across your devices. Our third-party service providers and partners use the collected information to serve advertisements to you and measure the performance of our advertising campaigns.
You may be able to adjust your device or browser settings to limit certain tracking or to decline cookies. Refer to your device’s settings or your browser’s “Help” section for more information on how to delete cookies and/or disable your device or browser from receiving cookies or adjust your tracking preferences. Additional information about cookies, including how to manage them, can be found here: https://allaboutcookies.org/.
We encourage you to review the privacy policies of the third-party services you use for more information regarding your choices.
Google: https://adssettings.google.com
Twitter: https://twitter.com/settings/account/personalization
Site Recording Technology. We use third-party site-visit recording technologies such as HotJar to memorialize your visits. Scripts from these technologies are embedded on our Services and collect information when you interact with pages where the scripts are present. These technologies collect information such as page URL, mouse movements and clicks, redacted information you input, snapshots of pages you visit, time spent on a page, date and time of various interactions with a page, and HTTP headers from your browser. By visiting our websites or using our Services, you acknowledge and agree to our use of such site recording technologies and the collection, maintenance, and use of information these technologies collect.
Chatbot Technology. We use chatbots powered by Freshworks on our Services to help provide customer service and support, including through the use of a virtual assistant. A chatbot is a software application that mimics human conversations in text or voice interactions on our website. It enables the communication between a human and a machine, which can take the form of messages or voice commands. The chatbot is designed to work without the assistance of a human operator. When asked a question, the chatbot will answer using the knowledge database that is currently available to it. The chatbot feature also allows customers to interact with a human operator. If you use our chatbot service, we will collect and maintain any information you provide to us when using the chatbot. You are responsible for the information you share with the chatbot, and we strongly advise you not to input sensitive or personal information, such as financial or account details or other confidential information. We will also create and store a transcript of your chat interactions with us, which will be stored by our third-party service provider, Freshworks. We may use these transcripts and the information you provide for quality control, customer service, fraud prevention, and security.
Information Collected from Other Sources. We may obtain your personal information from other sources, including, for example, credit bureaus, our service providers, our customers, lead generators, social media platforms, Network Partners and other partners
The information that we receive from other sources may including contact information, demographic information, consumer credit reports, credit scores, credit history, and other consumer reports/credit information, financial information (e.g., information about an account and the terms, amount, usage, or disposition of a loan or other financial product received from a Network Partner), and internet or other electronic network activity information.
We use the personal information that we receive from other sources to help us maintain the accuracy of or supplement the information we collect; personalize your experience with our Services; conduct internal business analytics; and fulfill other business or commercial purposes described in this Privacy Policy.
Information Collected through Automated Means.
When you visit and interact with our Services, we may use cookies, pixels, web beacons, software development kits (SDKs), and other similar tracking technologies to collect certain information automatically
The specific types of information we (and our services providers and partners) may collect include:
Device Information: which includes the Internet Protocol (IP) address and/or other unique identifier(s) assigned to your device; the location of your device; and other information about your browser, device, and operating system.
Usage Information: which includes information about your interaction(s) with our Services (e.g., the date and time of your visit(s); the area(s) or page(s) that you visit; the amount of time you spend on a page or use our Services; the domain name from which you accessed our Services; and other click-stream or usage information). We may use cookies or other similar technologies to collect information about your behavior on the website (e.g., how you move and scroll through our Services, your keystrokes, how you interact with webforms, etc.) and the actions that you take upon receipt of an email from us.
Advertising and Analytics. We use third-party analytics and tracking tools to better understand who is using our Services, how the Services are used, and how to improve the effectiveness of our Services and related content. We may also use the information collected to draw inferences. For example, we use Google Analytics and Meta Pixels to better understand how users interact with our Services.
Google Analytics. For information on Google Analytics’ information-handling practices and how you can control the use of information sent to Google, visit https://policies.google.com/technologies/partner-sites. If you wish to prevent your information being used by Google Analytics, Google has developed the Google Analytics opt-out browser add-on available at https://tools.google.com/dlpage/gaoptout.
Meta Pixels. For information on Meta Pixels’ information-handling practices and how you can control the use of information sent to Meta. If you wish to prevent your information being used by Meta Pixels, Meta has developed a method for users to opt-out of the collection and use of information for ad targeting at https://www.facebook.com/about/ads.
Interest-based Advertising. We use third-party tools and services such as Google, Meta, TikTok, and other companies that use tracking technologies to serve interest-based advertisements to you across the internet. These tools may include cookies, pixels, web beacons, and/or other similar tracking technologies that automatically collect, store, and/or transmit certain information about your interaction(s) with our Services and other websites and mobile apps that you interact with and use across your devices. Our third-party service providers and partners use the collected information to serve advertisements to you and measure the performance of our advertising campaigns.
You may be able to adjust your device or browser settings to limit certain tracking or to decline cookies. Refer to your device’s settings or your browser’s “Help” section for more information on how to delete cookies and/or disable your device or browser from receiving cookies or adjust your tracking preferences. Additional information about cookies, including how to manage them, can be found here: https://allaboutcookies.org/.
We encourage you to review the privacy policies of the third-party services you use for more information regarding your choices.
Google: https://adssettings.google.com
Twitter: https://twitter.com/settings/account/personalization
Site Recording Technology. We use third-party site-visit recording technologies such as HotJar to memorialize your visits. Scripts from these technologies are embedded on our Services and collect information when you interact with pages where the scripts are present. These technologies collect information such as page URL, mouse movements and clicks, redacted information you input, snapshots of pages you visit, time spent on a page, date and time of various interactions with a page, and HTTP headers from your browser. By visiting our websites or using our Services, you acknowledge and agree to our use of such site recording technologies and the collection, maintenance, and use of information these technologies collect.
Chatbot Technology. We use chatbots powered by Freshworks on our Services to help provide customer service and support, including through the use of a virtual assistant. A chatbot is a software application that mimics human conversations in text or voice interactions on our website. It enables the communication between a human and a machine, which can take the form of messages or voice commands. The chatbot is designed to work without the assistance of a human operator. When asked a question, the chatbot will answer using the knowledge database that is currently available to it. The chatbot feature also allows customers to interact with a human operator. If you use our chatbot service, we will collect and maintain any information you provide to us when using the chatbot. You are responsible for the information you share with the chatbot, and we strongly advise you not to input sensitive or personal information, such as financial or account details or other confidential information. We will also create and store a transcript of your chat interactions with us, which will be stored by our third-party service provider, Freshworks. We may use these transcripts and the information you provide for quality control, customer service, fraud prevention, and security.
Information Collected from Other Sources. We may obtain your personal information from other sources, including, for example, credit bureaus, our service providers, our customers, lead generators, social media platforms, Network Partners and other partners
The information that we receive from other sources may including contact information, demographic information, consumer credit reports, credit scores, credit history, and other consumer reports/credit information, financial information (e.g., information about an account and the terms, amount, usage, or disposition of a loan or other financial product received from a Network Partner), and internet or other electronic network activity information.
We use the personal information that we receive from other sources to help us maintain the accuracy of or supplement the information we collect; personalize your experience with our Services; conduct internal business analytics; and fulfill other business or commercial purposes described in this Privacy Policy.
How We Use Your Information. We use the information that we collect about you through your interaction with this Website as well as information that you voluntarily provide to us. We may use collected information to (i) deliver the products and services you requested, (ii) personalize your user experience; (iii) communicate with you about products or services that may be of interest to you; (iv) to communicate with you via mail, email, telephone, text message/SMS, or otherwise even if your number appears on a do-not-call list or other similar registry; (v) to provide to third-party lenders or financial institutions for the purpose of determining eligibility for specific products (vi) for business purposes, such as analytics, research, advertising and marketing, and operational purposes; (vii) improve our Website; (viii) improve customer service; (ix) to comply with law enforcement and maintain the security of our Website; and (x) to perform any other functions otherwise disclosed when you provide us with your information.
How Do We Share Your Information.
Consent to Receive Communication. By voluntarily providing and submitting your information on our form or otherwise using our website, you opt-in to receive communications (i) from us; (ii) one of our third-party lenders that we partner with; and (iii) third parties that provide services on our behalf, such as website hosting partners, text message/SMS service providers, email marketing service providers, direct mail service providers or other parties who assist us in operating our Website, conducting our business, or serving our users.
Consent to Share Your Information. In submitting an inquiry or using the services provided through our Website, you agree that Wise-Loans may share your information about you or provided by you with lenders and other third parties which provide services to our users (collectively, Network Partners”) to deliver the products and services you requested. These Network Partners include third-party lenders or financial institutions, and non-lenders or intermediary service providers that we partner with to help connect you with a lender or financial institution in their network. We may disclose each category of personal information we collect from and about you with the following categories of recipients:
Network Partners. When you use our Services to submit a loan request, we disclose your personal information to lenders and other third parties in our network (collectively “Network Partners”) as necessary to deliver the products and services that you requested. We may disclose your personal information to Network Partners to provide you with information about financial products and services that may interest you/ Note that Network Partners that interact with you may use and/or retain your personal information whether or not you use their services and their handling of your personal information is subject to their privacy policies. Our Network Partners list may be updated from time to time, and we encourage you to review the list periodically to remain informed about with whom we share your information.
Our Service Providers. We disclose your personal information to third parties that provide business, professional, or technical support services to us and/or administer activities on our behalf.
Our Analytics Providers. We disclose your personal information to parties that assist us in performing analytics and help us measure the effectiveness of our Services and our marketing and advertising efforts.
Our Marketing and Advertising Partners. We disclose your personal information to our marketing and advertising partners, including social media networks, third-party advertising networks, and other parties that assist us in serving, measuring the performance of, and optimizing our advertisements.
Governmental and Public Authorities. We disclose your personal information to government and public authorities as necessary or permitted by the laws of any jurisdiction in which we operate, including in response to a subpoena, court order, investigative demand, request for cooperation from a law enforcement agency, or similar request from a self-regulatory body or government agency.
Other Parties. We may disclose your personal information to other parties as we believe necessary or appropriate either to: (i) comply with applicable law; (ii) protect our operations and those of our affiliates and subsidiaries; (iii) investigate and prevent against fraud and other illegal activity; (iv) protect our rights, privacy, safety, property, and/or those of others; or (v) allow us to pursue available remedies or limit damages that we may sustain. We may disclose your personal information for other reasons described at the time of information collection or prior to disclosing your information. Additionally, we may disclose your personal information with your consent or when you direct us to do so. We may de-identify, anonymize, or aggregate personal information and disclose such information to third parties for various purposes as permitted by law.
Other Situations We Share Your Information. We may also be required to share your information (i) pursuant to a subpoena, court order, legal process, and/or government or regulatory request, (ii) when we believe disclosure is appropriate in order to investigate, prevent, or take action regarding actual or suspected illegal activity or other wrongdoing, to protect and defend the rights, property, or safety of our Business, our users, or our employees, or to enforce our Website’s terms and conditions or other agreements of policies; (iii) as part of a sale, merger or acquisition, or other transfer of all or part of our assets including as part of a bankruptcy proceeding; (vi) with third parties that is not personally identifying, such as aggregated or anonymized data, in our discretion, where not prohibited by law.
How We Protect Your Information. By accessing and navigating through this Website, you hereby acknowledge and agree that Wise-Loans may retain your information indefinitely. Please note that any transmission of personal information is at your own risk.
Our Commitment to Online Security. We use generally accepted industry standards to protect the security of your personal information and encrypt sensitive. Although we strive to provide accepted industry standard security measures for your personal information that we process and maintain, we cannot guarantee the security of your personal information transmitted to and through this Website.
No Liability for Acts of Third Parties. We will exercise all reasonable efforts to safeguard the confidentiality of your personal information. However, transmissions protected by generally accepted industry standard security technology and implemented by human beings cannot be made absolutely secure. Consequently, Wise-Loans shall not be liable for unauthorized disclosure of personal information due to no fault of Wise-Loans including, but not limited to, errors in transmission and unauthorized acts of third parties.
Third-Party Links. This Website may contain links to third-party websites, which may have independent privacy policies that differ from our own. We are not responsible, nor do we endorse, any of the activities and practices that take place on third-party websites. Accordingly, we recommend that you review the privacy policy posted on any third-party website thoroughly before disclosing any personal information.
Consent to Communicate. When you submit your personal information on this Website, you are providing your express consent to be contacted via email, telephone, postal mail or text message/SMS communication. If you wish to opt-out from us sharing your information for marketing communications, please submit your request here.
Modifications or Amendments. From time to time, we may change this Privacy Policy to accommodate new technologies, industry practices, regulatory requirements or for other purposes. We will provide notice to you if these changes are material on this Website, and where required by applicable law, we will obtain your consent. For your information, the date this Policy was last updated is listed at the top of this page. Your continued use of this Website after any such changes have been made signifies and confirms your acceptance of any changes or amendments to this Privacy Policy.
Children Under the Age of 18. This Website is not intended for children under eighteen (18) years of age. No one under 18 years of age may access or provide any information on this Website. We do not knowingly collect personal information from children under 18 years of age.
Your Rights Under the CCPA.
General Information. If you are a California Resident, you are entitled to additional rights over your personal information under the California Consumer Privacy Act of 2018 (CCPA) and certain other privacy and data protection laws. This section summaries the categories of information we collect about you, why the information is collected, who we share your information with, and for what reason that information is shared.
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Right to Know. As a California resident, you have the right to know (i) the categories of personal information we collected about you in the preceding 12 months; (ii) the sources from which the personal information was collected; (iii) the business or commercial purpose for which it collected or sold the personal information; and (iv) the categories of third parties with which the business shares personal information.
Additional Privacy Rights. You also have the right (i) to request that we tell you what specific information we have about you; (ii) to request that we delete your information; (iii) to opt-out of having your information sold; and (iv) for us not to discrimination against you for exercising these privacy rights. Please note that you may only make a CCPA-related request twice within a 12-month period.
Right to Non-Discrimination. We will not discriminate against you for exercising any of your CCPA rights. Unless otherwise permitted by the CCPA, we will not (i) deny you goods or services; or (ii) provide you a different level or quality of good or service.
Alternative Format of CCPA Notice. If you have a disability that prevents or limits your ability to access this CCPA Notice, please email us at info@wise-loans.com or call us at (800) 884-8067. We will work with you to provide this notice in an alternative format.
Authorized Agent. California residents can empower an “authorized agent” to submit requests on their behalf. We will require the authorized agent to have a written authorization confirming that authority.
How to Submit Your Request for Specific Information. You can request access to specific information we have about you by sending an email with the Subject Line “CCPA Right to Know” to info@wise-loans.com or you can make your request for information here. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver’s license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the timeframe required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.
How to Exercise Your Right to Delete Information. You can request the categories of information we have on file or deletion of information available on our request form available here. You may also submit this request by sending an email with the Subject Line “CCPA Right to Request or Delete Information” to info@wise-loans.com. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver’s license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the timeframe required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.
How to Exercise Your Right to Opt-Out of Sale of Your Information. Under the CCPA, if you are 16 years of age or older, you have the right to direct us not to sell your personal information at any time. You may submit your request through the URL provided below. You may also submit this request by sending an email with the Subject Line “CCPA Do Not Sell My Information” to info@wise-loans.com. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver’s license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the timeframe required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.
DO NOT SELL MY PERSONAL INFORMATION
However, if you opt-out, please note that we will be unable to help you find a loan or other product or services that may be of interest to you through our Network Partners. In order to opt-in, please submit the completed form or resubmit your request, which lets us know that you want to sell your information to deliver the products and services you requested.
California Disclosures. California Law requires us to provide certain disclosures to users of this Website.
Shine the Light Disclosure. Civil Code Section 1798.83 permits California residents that use this Website to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us at info@wise-loans.com. Please note that this section does not prohibit disclosure made for non-marketing purposes.
Do Not Track Disclosures. Business and Professions Code Section 22575(b) requires websites to disclose their practices with respect to the use of tracking technology made by third parties and whether this Website honors web browser do-not-track signals. No third parties are able to collect personally identifiable information you provide on this Website. At this time, Wise-Loans does not respond to do-not-track browser settings or signals.
Contact Us
If you have any further questions about this Privacy Policy or our practices, please contact us at info@wise-loans.com