950 CREDIT, INC.
California Notice of Collection of Personal Information: We collect personal information below under “Information We Collect” for the purpose described below under “Use of Information for Business Purposes” and “Sharing Information with Third Parties.” To learn more about your California privacy rights, including your right to opt out of the sale of your personal information, please scroll down to “Your California Privacy Rights.”
Information We Collect; Publicly Available Information
We may collect personally identifiable information. Such personally identifiable information may be collected when voluntarily submitted to us by you through your access to the Website, filling out a form on the Website, beginning to fill out a form even if the form is not completed on the Website, and/or opening an account. The types of information that may be collected include your name, mailing address, social security number, date of birth, drivers license information, email address, phone number, landlord or property management company information, and other financial and non-financial information for verification purposes. We may also collect your Website usage information, including, the materials that you access on the Website, cookies, IP address, and messages from you to the Company. We may also collect your personally identifiable information from others, such as landlords, property management companies, affiliates or other companies.
We may record information about your usage, such as when you use the Site and the pages you review on the Site. We may automatically collect information from you each time you visit the Site. This includes technical information, information about your visit, and information about your activity on our Site such as courses searched and viewed, page response times, download errors, length of visit to certain pages, page interaction information (such as scrolling, clicks and mouseovers), methods to browse to and away from a page, and methods used to contact our support team.
How We Collect Information
Direct Collection of Information from You. We collect information when you interact with our services team or when you request and purchase services from our Site.
Collection of Information from Our Partners. We have relationships with various strategic partners that offer rent reporting services to their customers and subcontract the services to us. If you signed up for rent reporting through one of our partners, we may collect the personally identifiable information that you provided to our partner directly from them in order to provide the Services. Such information includes some or all of the information required to perform our Services and report rent payments to credit bureaus.
Cookies. In addition to collecting information directly from you through forms that you may submit, or from others, including your landlord or property manager, we may collect information using certain technology. Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your Web browser that enables the sites or service providers’ systems to recognize your browser and capture and remember certain information. We do not link the information we store in cookies to any personally identifiable information you submit while on our site. We use both session ID cookies and persistent cookies. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time.
We use the following types of cookies:
Strictly Necessary Cookies. These are cookies that are required for the operation of the Site and under our terms with you. They include, for example, cookies that enable you to log into secure areas of the Site, use a shopping cart or make use of e-billing services.
Analytical/Performance Cookies. They allow us to recognize and count the number of visitors and to see how visitors move around the Site. This helps us improve the way the Site works.
Functionality Cookies. These are used to recognize you when you return to the Site. This enables us, subject to your choices and preferences, to personalize our content and remember your preferences.
Targeting Cookies. These cookies record your visit to the Site, the pages you have visited and the links you have followed. We use this information to make the Site more relevant to your interests.
Web Beacons. Web beacons (a.k.a. clear gifs) are tiny graphics with a unique identifier, similar in function to cookies, which are used on our website to track online movements of web users and compile aggregated statistics to analyze how our site is used and may be used, in our services, or in our emails. Our use of Web beacons also includes to count visits and to tell if an email has been opened and acted upon. We do not link the information gathered from web beacons to any personally identifiable information.
As is true of most web sites, we gather certain information and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exist pages, operating system, date/time stamp, and clickstream data. We use this information to analyze trends, to administer the site, to track users’ movements around the site and to gather demographic information about our user base as a whole. We do not link this data to personally identifiable information.
You have a variety of tools to control cookies, web beacons and similar technologies, including browser controls to block and delete cookies and controls from some third-party analytics service providers to opt out of data collection through web beacons and similar technologies.
Data from Third Parties. We also collect information we receive about you from third parties that we work closely with to provide, promote, and improve our services. These third parties include business partners, vendors who assist in technical and payment services, advertising networks, analytics providers, and search information providers.
Use of Information for Business Purposes
To Provide Services to You. When you request our services, we will ask for your personally identifiable information to verify your identity and open a rent reporting account for you. We will request your property address and rent amount, your landlord information, your social security number, date of birth, drivers license information, an email address and your phone number. We will utilize your personally identifiable information to report your information to third party credit bureaus; and we may use your information to obtain your credit score and excerpts of your credit report before and after the initial reporting of your rental history to credit bureaus.
To Communicate with You. Company may collect and use personally identifiable information to inform you about new products or services offered by the Company, or to improve and develop products or services. We may collect and use personally identifiable information to investigate any alleged violation of the Website’s Terms.
For our Business, Technology and Marketing Improvements. We also use your personal information together with other personally non-identifiable information to help us better understand our users, to personalize and improve your experience with our Site, and to improve the content and functionality of our Site. This may include providing information about our goods and services that we feel may interest you and enhance your interaction with our Site. We will communicate with you about these goods and services via email, direct mail, telephone, or on our Site. These communications may include newsletters, promotional emails, product updates, or market research requests. You have the right to opt out of such communications. Additionally, we may use your personally identifiable information to market our affiliates’ (companies related by common ownership or control) products and services to you. However we will not share your credit-worthiness for these purposes. We may use your IP address and other information collected from you to help diagnose problems with our server(s), create new functionality and to improve and administer the Website.
To Meet our Legal Obligations. We may need to share your information with law enforcement or government agencies in response to a subpoena, state and/or federal audit or as otherwise required by law.
For Our Business Succession Planning. In the event that we sell all or part of our company or assets or enter into a merger, we reserve the right to include personally identifiable information and non-personally identifiable information among assets transferred to the acquiring or surviving company.
Sharing Information with Credit Bureaus. We will need to share your information with your landlord and credit bureaus in order to provide the Services.
Sharing Information with External Companies and Affiliates. We may share your personally identifiable information with vendors or service providers that we engage for the purpose of processing information in connection with rendering the Services, or that otherwise assist us in delivering the Services. For example, our service providers may assist in designing or operating certain aspects of our Services, help us research and test improvements to our Services, perform analytics and market our Services. We may share your personally identifiable information with our strategic partners that subcontract with us to provide the Services.
Other Sharing of Information. We may provide non-personally identifiable information about our customers’ sales, Website traffic patterns and related Website information to third party advertisers.
No Sale of Your Information. We will not sell your personally identifiable information to non-affiliate third parties for the purpose of such third parties’ sending unsolicited offers or advertisements.
Privacy Policies of Third Parties
Review, Change or Correct Your Information
In accordance with applicable privacy law, and except as otherwise provided by the Fair Credit Reporting Act, and if you have not subscribed to our services, you have the following rights in respect of your personal information that we hold:
Right of Access and Portability. The right to obtain access to your personal information along with certain information, and to receive that personal information in a commonly used format and to have it ported to another data controller.
Right to Rectification. The right to obtain rectification of your personal information without undue delay where that personal information is inaccurate or incomplete.
Right to Erasure. The right to obtain the erasure of your personal information without undue delay in certain circumstances, such as where the personal information is no longer necessary in relation to the purposes for which it was collected or processed.
Right to Restriction. The right to obtain the restriction of the processing undertaken by us on your personal information in certain circumstances, such as where the accuracy of the personal information is contested by you, for a period enabling us to verify the accuracy of that personal information.
Right to Object. The right to object, on grounds relating to your particular situation, to the processing of your personal information, and to object to processing of your personal information for direct marketing purposes, to the extent it is related to such direct marketing.
If you subscribe to our services, you should be aware that we are required by law to comply with the Fair Credit Reporting Act, which significantly limits your right to change, erase, restrict or object to the information or data we possess and report to applicable credit bureaus. If you believe any data is inaccurate you must dispute the affected item directly with the credit bureau.
You have the right to request that we do not process your personally identifiable information for marketing purposes. You can exercise your right to prevent such processing by using the “Unsubscribe” link found in our emails or by contacting us at 844.950.RENT or firstname.lastname@example.org. Please note that we may not include the opt-out information in e-mails that are transactional in nature and are not marketing communications.
If you are a California resident, California law permits you to request certain information regarding the disclosure of your personal information by us to third parties for the third parties’ direct marketing purposes. To make such a request, please use the contact information above.
If you are a California Resident, over the preceding 12 months we disclosed certain categories of California residents’ personally identifiable information in accordance with the above. We do not, and in the preceding 12 months did not, sell California residents’ personal information. We do not have actual knowledge that we sell the personal information of minors under 16 years of age.
If you have not subscribed to our services, you may exercise your rights via telephone or email. Please call 844.950.RENT to review, change or correct information or email a request to review, change or correct information to: email@example.com. If you subscribe to our services and believe any data is inaccurate you must dispute the affected item directly with the credit bureau.
The Company is not responsible for the privacy practices or policies of any third-party websites that are linked to the Site. The Site may contain links to other web sites not operated or controlled by us. The policies and procedures described here do not apply to web sites or other services that we do not operate or control. These links from our Site do not imply that we endorse or have reviewed those web sites or other services. We encourage you to read their respective privacy policies prior to providing any personal information at or to such sites.
The information that we collect is stored in our database, which is secured through password authentication. Your information may be stored on our servers and also on servers of companies that we hire to provide services. In each case, information may be stored in the United States and in other countries where we operate, and in countries where our respective service providers operate. If you are in the European Union, Switzerland, or other regions with laws governing data collection and use, you acknowledge that we may transfer, process and store your personal information in the United States and other countries, the privacy laws of which may be considered less strict than those of your region.
We understand that security of your personal and financial information is important to you, so we have taken steps to enhance the safety and confidentiality of personal and financial information sent to or from us. Company uses commercially reasonable efforts to maintain the security of the Website and your information.
Access by you to your account is available through a password and/or unique user name selected by you. This password is encrypted. You should not divulge your password to anyone. You should change your password often using a combination of letters and numbers, and you should ensure you use a secure web browser. We cannot be responsible for activity that results from your own neglect to safeguard the secrecy of your password and user name. If you share a computer with anyone, you should always log out of your account after you are finished, in order to prevent unauthorized access.
Please notify us as soon as possible if your user name or password is compromised.
Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personally identifiable information, you acknowledge that: (a) there are security and privacy limitations of the Internet that our beyond our control; (b) the security, integrity and privacy of any and all information and data exchanged between you and us through this Website cannot be guaranteed and we shall have no liability to you or any third party for loss, misuse, disclosure or alteration of such information; and (c) any such information and data may be viewed or tampered with in transit by a third party.
Notwithstanding the foregoing, Company provides the Website “as is” without any express or implied warranty of any kind, including warranties of merchantability, reliability, or fitness for a particular purpose.
To report any known or suspected privacy or security breaches or to submit privacy related questions or complaints please contact us.
Revised July 7, 2023