This Online Privacy Notice (Notice) applies to the VivacityLending.com online interface (i.e., website, including mobile websites) and any Vivacity, Inc. (Vivacity) affiliate or subsidiary online interface that links to this Notice or that we own and control, (each, a Site, and, collectively, Sites), unless a different online and/or mobile notice or policy is posted at a particular site or is made available to you and by its terms supplants this Notice. The term “VivacityLending.com” or “we” or “us” or “our” in this Notice includes affiliates or subsidiaries of Vivacity. This Notice describes how Sites may collect, use and share information from or about you and explains how information may be collected and used based on online interactions with our advertisements that appear on the Sites and third party websites.
Vivacity provides other online interfaces not covered by this Notice such as a page or handle on social media sites. Please review the online privacy practices of that site to understand how your online information may be collected, used and shared.
Personal Information We Collect Online
Personal Information means personally identifiable information such as information you provide via forms, surveys, applications or other online fields including name, date of birth, social security number, bank information, employment information, postal or email addresses, telephone, fax or mobile numbers.
We may use Personal Information:
• To respond to your inquiries and fulfill your requests;
• To send you important information regarding the Site, changes to terms, conditions, and policies and/or other administrative information;
• To send you marketing communications that we believe may be of interest to you;
• To personalize your experience on the Site or other websites by presenting content, ads or offers tailored to you;
• To allow you to apply for products or services and evaluate your eligibility for such products or services;
• To verify your identity and/or location (or the identity or location of your representative or agent) in order to allow access to your accounts, conduct online transactions and to maintain measures aimed at preventing fraud and protecting the security of account and Personal Information;
• For business purposes, including data analysis, audits, developing and improving products and services, enhancing the Site, identifying usage trends and determining the effectiveness of promotional campaigns;
• For risk control, for fraud detection and prevention, to comply with laws and regulations, and to comply with other legal process and law enforcement requirements.
How Personal Information is Shared
Other Information We Collect Online
Other Information is any information other than Personal Information that does not reveal your specific identity or does not directly relate to an individual, such as browser information, information collected through cookies, pixel tags and other technologies, demographic information, segment information, other information provided by you such as your date of birth or household income, and aggregated and de-identified data.
How We Collect and Use Other Information
We and our third-party service providers may collect and use Other Information in a variety of ways, including:
•Through your browser: Certain information is collected by most browsers, such as your Media Access Control (MAC) address, device type, screen resolution, operating system version and internet browser type and version. We use this information to ensure Sites function properly and for security purposes.
•Using cookies:Cookies are pieces of information stored directly on the device you are using. Cookies we use do not contain or capture unencrypted Personal Information. We and certain of our third party vendors, including Google, use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick cookie). Cookies allow us to collect information such as browser type, time spent on the Site, and pages visited and to allow us to identify whether your personal computer, mobile phone or other device has visited the Site. We use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize/customize your experience while visiting the Site as well as other websites on which we may advertise, to maintain continuity during an online session, and to recognize your device to allow your use of our online products and services. We collect statistical information about the usage of the Site in order to continually improve the design and functionality, to monitor responses to our advertisements and content, to understand how customers and visitors use the Site and to assist us with resolving questions regarding the Site. Please see the Advertising section below for more information on how we utilize cookies for our online advertising purposes. You can refuse to accept these cookies and most devices and browsers offer their own privacy settings for cookies. You will need to manage your cookie settings for each device and browser you use. However, if you do not accept these cookies, you may experience some inconvenience in your use of the Site and some online products and services.
•Using pixel tags, web beacons, clear GIFs or other technologies:These may be used in connection with some Site pages and HTML-formatted email messages to measure the effectiveness of our communications, the success of our marketing campaigns, compile statistics about usage and response rates.
•IP Address:Your IP Address is a number that is automatically assigned to the device that you are using by your Internet Service Provider (ISP). An IP Address is identified and logged automatically in our server log files whenever a user visits the Site, along with the time of the visit and the page(s) that were visited. Collecting IP Addresses is standard practice on the internet and is done automatically by many web sites. We use IP Addresses for purposes such as calculating Site usage levels, helping diagnose server problems, for compliance and security purposes and administering the Site.
•Aggregated and De-identified Data: Aggregated and De-identified Data is data that we may create or compile from various sources, including data relating to age, gender and interests. This information, which does not identify individual customers, is used for our business purposes, which may include offering products or services, research, marketing or analyzing market trends, optimizing the usability of the Site, and other purposes consistent with applicable laws.
We may share Other Information with service providers with whom we work, such as third-party vendors, data processors and companies that help us market products and services to you. For example, to protect both Vivacity and our customers, we may use third-party services to help us determine whether or not to accept transactions from a personal computer, mobile phone, or other device. Using certain technical attributes of your device, a third-party service can check whether a device has been identified with fraudulent or abusive transactions in the past. Upon connection with the Site, we may transmit certain device identifying information to such third party’s server for analysis. We may also report to a third party if we conclude that a device has been used in connection with a fraudulent or abusive transaction with us.
Vivacity advertises on pages within the Sites as well as on other websites and mobile apps not affiliated with VivacityLending.com. Information collected by us or our third party vendors through first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick cookie), pixels and other technologies includes the number of people who look at each of the pages on the Sites, search engine referrals, browsing patterns within the Sites, and responses to advertisements and promotions on the Sites and on websites where we advertise. Vivacity has implemented or may implement in the future: Remarketing with Google Analytics, Google Display Network Impression Reporting, the DoubleClick Campaign Manager integration, and Google Analytics Demographics and Interest Reporting.
Advertising on our Sites
Vivacity advertises our products and services on pages within the Sites. These advertisements may take the form of banner ads and other formats. Vivacity may customize content and advertisements for our products and services on the Sites we own.
Advertising on third party sites
Vivacity contracts with advertising companies to advertise our products and services on websites and mobile apps not affiliated with us. We may use Aggregated and De-identified Data and information you provide to third party websites to select which of our advertisements or offers may appeal to you, display them to you and monitor your responses. Third party websites are not subject to Vivacity Privacy Policies (including this Notice). Please visit the individual websites for additional information on their data and privacy practices and opt-out policies.
Online Behavioral Advertising
Some of our customized ads are behavioral advertising, and may be served using data collected through first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick cookie), pixels and other technologies by third party websites. Cookies placed on our behalf by these companies, do not contain or capture Personal Information. We limit companies that place our ads from using information for any purpose other than to assist us in our advertising efforts.
You may also opt-out of receiving behavioral ads from many websites through the Network Advertising Initiative’s Opt-Out Tool or other tools provided by the publishing platform or through tools provided by the Digital Advertising Alliance.
Please note that if you opt-out, you may still receive generic online advertising from Vivacity. Opting out from a specific third party website means that the ads you receive will not be based on your preferences or behavior.
In order for relationship based or behavioral advertising opt-outs from other sites to work on your device, your browser must be set to accept cookies. If you delete cookies, buy a new device, access our Site or other sites from a different device, login under a different screen name, or change web browsers, you will need to opt-out again. If your browser has scripting disabled, you do not need to opt- out, as relationship based or online behavioral advertising technology does not work when scripting is disabled. Please check your browser’s security settings to validate whether scripting is active or disabled.
Mobile tracking store locator service
Vivacity has a mobile tracking store locator service to assist you in locating a Vivacity Branch Office. The service may be accessed by telephone or on the Site. When using the service on your mobile device, we will request your permission to obtain your current location in order to provide you with a list of the nearest Vivacity Branch Office. Please see the Mobile Tracking Store Locator Services Terms for information on about our mobile tracking store locator service, including information regarding opting out of the service.
Linking to other sites
We may provide links to third party websites on the Site. If you follow links to websites not affiliated or controlled by VivacityLending.com, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our Sites. Vivacity does not guarantee and is not responsible for the privacy or security of these websites, including the accuracy, completeness, or reliability of their information.
Social media sites
To protect Personal Information from unauthorized access and use, we use security measures that comply with applicable federal and state laws.
Making sure information is accurate
Keeping your account information accurate and up to date is very important. If your account information is incomplete, inaccurate or not current, or if you have questions about our collection and use of data described in this Notice, please use the Contact Us option on our Site.
Protecting children’s privacy online
The Site is not directed to individuals under the age of thirteen (13), and we request that these individuals do not provide Personal Information through the Site. We do not knowingly collect information from children under 13 without parental consent. Visit the Federal Trade Commission website for more information about the Children’s Online Privacy Protection Act (COPPA).