California Consumer Privacy Policy

Last Updated: September 1, 2023     

This policy explains the rights of California residents regarding the collection, use, sale, and sharing of their personal information under the California Consumer Privacy Act of 2018 (CCPA), as amended by the California Privacy Rights Act of 2020 (CPRA). We may update and make changes to this policy, so we encourage you to review it periodically.

1. Key Terms. It would be helpful to start by explaining some key terms used in this policy:

We, us, our, the Company	Symple Lending LLC
Personal information	Any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked with a particular consumer or household.
Sensitive personal information	Personal information revealing a consumer’s social security number, driver’s license and passport numbers, account numbers and credentials, precise geolocation, racial or ethnic origin, religious beliefs, or union membership, personal information concerning a consumer’s health, sex life, or sexual orientation, contents of a consumer’s mail, email and text messages where the business is not the intended recipient, genetic data, and biometric information.
Biometric Information	An individual’s physiological, biological, or behavioral characteristics, including information pertaining to an individual’s deoxyribonucleic acid (DNA), that is used or is intended to be used singly or in combination with each other or with other identifying data, to establish individual identity. Biometric information includes, but is not limited to, imagery of the iris, retina, fingerprint, face, hand, palm, vein patterns, and voice recordings, from which an identifier template, such as a faceprint, a minutiae template, or a voiceprint, can be extracted, and keystroke patterns or rhythms, gait patterns or rhythms, and sleep, health, or exercise data that contain identifying information.

2. Personal Information We Collect About You. In the preceding 12 months, we have collected the following categories and specific types of consumer personal information:

Categories of Personal Information	Specific Types of Personal Information Collected
Identifiers (e.g., a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers)	Name, alias, postal address, unique personal identifier, online identifier,       address, access code, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers
Information that identifies, relates to, describes, or is capable of being associated with, a particular individual, including, but not limited to, his or her name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.	Name, signature, social security number,  address, telephone number, passport number, driver’s license or state identification card number, employment, employment history, bank account number, credit card number, debit card number, and other financial information.
Characteristics of protected classifications under California or federal law	Gender and age
Commercial information (e.g., records of      products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies)	Credit information including payment history, outstanding balance, and credit account status.
Biometric information	Voice information from audio recordings and other biometric collected from government IDs and images to verify your identity
Internet or other electronic network activity information (e.g., browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, or advertisement)	BirdEye, CallRail, ClickCease, Crazy Egg, Hotjar, Adroll, Meta Ads, Google Analytics, Google Ads, Microsoft Ads, Klaviyo, LeadPost, Google Optimize, Rockerbox, Quantcast, StackAdapt, TikTok ads, Twitter ads, VWO
Geolocation data	Postal address
Audio, electronic, visual, thermal, olfactory, or similar information	Recordings of telephone calls
Professional or employment-related information	Name of employer and current employment status.
Education information, defined as information that is not publicly available personally identifiable information as defined in the Family Educational Rights and Privacy Act (FERPA)	None
Inferences drawn from any of the information identified above to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes	Qualification for financial services and products and future performance related to defaults.
Sensitive Personal Information	Social security number, driver’s license and passport numbers, account numbers and credentials, precise geolocation,

3. How Your Personal Information is Collected. We collect most of this personal information directly from you—in person, by telephone, text or email and/or via our website and apps. However, we may also collect information from the following categories of sources:

• Publicly accessible sources (e.g.,      records);
• Third party (e.g., sanctions screening providers, credit reporting agencies, customer due diligence providers, advertising networks, internet service providers, social networks, data analytics providers, government entities, and data brokers);
• Third party with your consent (e.g., your bank, Hotjar survey, Trustpilot reviews, );
• Cookies on our website;
• Automated information collection;
• Our IT systems, including:
• Automated monitoring of our websites and other technical systems, such as our computer networks and connections, CCTV and access control systems, communications systems, email and instant messaging systems; and

4. Why We Use Your Personal Information. We collect, and sell and share consumer personal information for the following business purposes:

• Auditing related to counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards;
• Helping to ensure security and integrity to the extent the use of the consumer’s personal information is reasonably necessary and proportionate for these purposes;
• Debugging to identify and repair errors that impair existing intended functionality;
• Short-term, transient use, including, but not limited to, non-personalized advertising shown as part of a consumer’s current interaction with the business, provided the consumer’s personal information is not disclosed to another third party and is not used to build a profile about the consumer or otherwise alter the consumer’s experience outside the current interaction with the business;
• Performing services on behalf of the business, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing analytic services, providing storage, or providing similar services on behalf of the business or service provider;
• Providing advertising and marketing services, except for cross-context behavioral advertising, to the consumer;
• Undertaking internal research for technological development and demonstration; 
• Undertaking activities to verify or maintain the quality of a service, and to improve, upgrade, or enhance the service;
• To comply with our legal and regulatory obligations;
• For the performance of our contract with you or to take steps at your request before entering into a contract;
• For our legitimate interests or those of a third party; or
• Where you have given consent.

A legitimate interest is when we have a business or commercial reason to use your information, so long as this is not overridden by your own rights and interests.

The table below explains what we use (process) your personal information for and our reasons for doing so:

What we use your personal information for	Our reasons
To provide financial services or      products       to you	For the performance of our contract with you or to take steps at your request before entering into a contract
To prevent and detect fraud against you or the Company	For our legitimate interests or those of a third party, i.e., to minimize fraud that could be damaging for us and for you
Conducting checks to identify our customers and verify their identityScreening for financial and other sanctions or embargoesOther processing necessary to comply with professional, legal and regulatory obligations that apply to our business, e.g., under      regulations or rules issued by our professional regulator	To comply with our legal and regulatory obligations
Gathering and providing information required by or relating to audits,      inquiries or investigations by regulatory bodies	To comply with our legal and regulatory obligations
Ensuring business policies are adhered to, e.g., policies covering customer service, compliance, underwriting, privacy, security and internet use	For our legitimate interests or those of a third party, i.e., to make sure we are following our own internal procedures so we can deliver the best service to you
Operational reasons, such as improving efficiency, training and quality control	For our legitimate interests or those of a third party, i.e., to be as efficient as we can so we can deliver the best service for you at the best price
Ensuring the confidentiality of commercially sensitive information	For our legitimate interests or those of a third party, i.e., to protect trade secrets and other commercially valuable informationTo comply with our legal and regulatory obligations
Statistical analysis to help us manage our business, e.g., in relation to      our financial performance, customer base, services and product  range or other efficiency measures	For our legitimate interests or those of a third party, i.e., to be as efficient as we can so we can deliver the best service for you at the best price
Preventing unauthorized access and modifications to systems	For our legitimate interests or those of a third party, i.e., to prevent and detect criminal activity that could be damaging for us and for you.To comply with our legal and regulatory obligations
Updating      and enhancing      customer records	For the performance of our contract with you or to take steps at your request before entering into a contractTo comply with our legal and regulatory obligationsFor our legitimate interests or those of a third party, e.g., making sure that we can keep in touch with our customers about existing services and new products and services.
Statutory returns	To comply with our legal and regulatory obligations.
Ensuring safe working practices, staff administration and assessments	To comply with our legal and regulatory obligationsFor our legitimate interests or those of a third party, e.g., to make sure we are following our own internal procedures and working efficiently so we can deliver the best service to you
Marketing our services      and those of selected third parties      to:—existing and former customers;—third parties who have previously expressed an interest in our services;—third parties with whom we have had no previous dealings.	For our legitimate interests or those of a third party, i.e., to promote our business to existing and former customers
Credit reference checks via external credit reference agencies	For our legitimate interests or those of a third party, i.e., to ensure our customers are likely to be able to pay for our products and services
External audits and quality checks, e.g., for accreditations and the audit of our accounts	For our legitimate interests or a those of a third party, i.e., to maintain our accreditations so we can demonstrate we operate at the highest standards.To comply with our legal and regulatory obligations

5. Who We Share Your Personal Information With. In the preceding 12 months, we have sold or shared consumers’ personal information with:

•      Service providers we use to help deliver our      products and/or services      to you, such as lenders, financial services companies, credit reporting agencies, debt settlement companies, service providers, warehouses and delivery companies;
• Other third parties we use to help us run our business, such as marketing agencies or website hosts;
• Third parties approved by you, including social media sites you choose to link your account to, financial institutions, other financial services providers, lenders, or third-party payment providers;
• Credit reporting agencies;
• Our insurers and brokers;
• Our bank[s];
• External auditors;
•      .

We only allow our service providers to handle your personal information if we are satisfied, they take appropriate measures to protect your personal information. We also impose contractual obligations on service providers, contractors, and third parties to ensure they can only use your personal information to provide services to us and to you. 

We may disclose and exchange information with law enforcement agencies and regulatory bodies to comply with our legal and regulatory obligations.

We may also need to share some personal information with other parties, such as potential buyers of some or all of our business or during a re-structuring. We will typically anonymize information, but this may not always be possible. The recipient of the information will be bound by confidentiality obligations.

6.      Categories of Personal Information We Sold or Shared. In the preceding 12 months, we have sold or shared the following categories of personal information:

• Identifiers (e.g., a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers);
• Information that identifies, relates to, describes, or is capable of being associated with, a particular individual, including, but not limited to, his or her name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number,      , employment, employment history, bank account number, credit card number, debit card number, or any other financial information;           
• Characteristics of protected classifications under California or federal law;
• Commercial information (e.g., records of products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies);
• Biometric information;
• Internet or other electronic network activity information (e.g., browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, or advertisement);
• Geolocation data;
• Audio, electronic, visual, thermal, olfactory, or similar information;
• Professional or employment-related information;
• Inferences drawn from any of the information identified above to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes; and
• Sensitive personal information

7. Categories of Personal Information We Disclosed for a Business Purpose. In the preceding 12 months, we have disclosed the following categories of personal information for a business purpose: 

• Identifiers (e.g., a real name, alias, postal address, unique personal identifier, online identifier, access code, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers);
• Information that identifies, relates to, describes, or is capable of being associated with, a particular individual, including, but not limited to, his or her name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information;
• Characteristics of protected classifications under California or federal law;
• Commercial information (e.g., records of products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies);
• Biometric information;
• Internet or other electronic network activity information (e.g., browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, or advertisement);
• Geolocation data;
• Audio, electronic, visual, thermal, olfactory, or similar information;
• Professional or employment-related information; 
• Inferences drawn from any of the information identified above to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes; and
• Sensitive personal information

8. How Long Your Personal Information Will Be Kept. We will keep your personal information while you have an account with us or while we are providing      products and/or       services      to you. Thereafter, we will keep your personal information for as long as is necessary:

• To respond to any questions, complaints or claims made by you or on your behalf;
• To show that we treated you fairly; or
• To keep records required by law.

We will not retain your personal information for longer than necessary for the purposes set out in this policy. Different retention periods apply for different types of personal information.       

9. Your Rights Under the CCPA/CPRA. You have the right under the California Consumer Privacy Act of 2018 (CCPA), as amended by the California Privacy Rights Act of 2020 (CPRA), and certain other privacy and data protection laws, as applicable, to exercise free of charge:

Disclosure of Personal Information We Collect About You	You have the right to know, and request disclosure of:• The categories of personal information we have collected about you, including sensitive personal information;• The categories of sources from which the personal information is collected;• Our business or commercial purpose for collecting, selling, or sharing personal information;• The categories of third parties to whom we disclose personal information, if any; and• The specific pieces of personal information we have collected about you. Please note that we are not required to:• Retain any personal information about you that was collected for a single one-time transaction if, in the ordinary course of business, that information about you is not retained;• Reidentify or otherwise link any data that, in the ordinary course of business, is not maintained in a manner that would be considered personal information; or• Provide the personal information to you more than twice in a 12-month period.
Disclosure of Personal Information Sold, Shared, or Disclosed for a Business Purpose	In connection with any personal information we may sell, share, or disclose to a third party for a business purpose, you have the right to know:• The categories of personal information about you that we sold or shared and the categories of third parties to whom the personal information was sold or shared; and• The categories of personal information that we disclosed about you for a business purpose and the categories of persons to whom the personal information was disclosed for a business purpose.You have the right to opt-out of the sale of your personal information or sharing of your personal information for the purpose of targeted behavioral advertising. If you exercise your right to opt-out of the sale or sharing of your personal information, we will refrain from selling or sharing your personal information, unless you subsequently provide express authorization for the sale or sharing of your personal information.  To opt-out of the sale or sharing of your personal information, visit our homepage and click on the “Opt-out/Requests” link here: https://mysympleloan.com/opt-out.
Right to Limit Use of Sensitive Personal Information	You have the right to limit the use and disclosure of your sensitive personal information to the use which is necessary to:Perform the services or provide the services      reasonably expected by an average consumer who requests those services; To perform the following services: (1) Helping to ensure security and integrity to the extent the use of the consumer’s personal information is reasonably necessary and proportionate for these purposes; (2) Short-term, transient use, including, but not limited to, non-personalized advertising shown as part of a consumer’s current interaction with the business, provided that the consumer’s personal information is not disclosed to another third party and is not used to build a profile about the consumer or otherwise alter the consumer’s experience outside the current interaction with the business; (3) Performing services on behalf of the business, including maintaining or servicing accounts, providing customer service, processing transactions, verifying customer information, processing payments, providing consumer financial services or products, providing analytic services, providing storage, or providing similar services on behalf of the business; and (4) Undertaking activities to verify or maintain the quality of a service, and to improve, upgrade, or enhance the service; and  As authorized by further regulations You have a right to know if your sensitive personal information may be used, or disclosed to a service provider or contractor, for additional, specified purposes. To limit the use of your sensitive personal information, visit our homepage and click on the “Opt-out/Requests” link here: https://mysympleloan.com/opt-out.
Right to Deletion	Subject to certain exceptions set out below, on receipt of a verifiable request from you, we will:• Delete your personal information from our records; and• Direct any service providers or contractors to delete your personal information from their records.• Direct third parties to whom the business has sold or shared your personal information to delete your personal information unless this proves impossible or involves disproportionate effort. Please note that we may not delete your personal information if it is reasonably necessary to: • Complete the transaction for which the personal information was collected,       provide a service requested by you, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform a contract between you and us;• Help to ensure security and integrity to the extent the use of the consumer’s personal information is reasonably necessary and proportionate for those purposes;• Debug to identify and repair errors that impair existing intended functionality;• Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law;• Comply with the California Electronic Communications Privacy Act;• Enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us • Comply with an existing legal obligation; or• Otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.
Right of Correction	If we maintain inaccurate personal information about you, you have the right to request us to correct that inaccurate personal information. Upon receipt of a verifiable request from you, we will use commercially reasonable efforts to correct the inaccurate personal information.
Protection Against Retaliation	You have the right to not be retaliated against by us because you exercised any of your rights under the CCPA/CPRA. This means we cannot, among other things:• Deny services to you;• Charge different prices or rates for      services, including through the use of discounts or other benefits or imposing penalties;• Provide a different level or quality of      services to you; or• Suggest that you will receive a different price or rate for services or a different level or quality of services.Please note that we may charge a different price or rate or provide a different level or quality of      services      to you, if that difference is reasonably related to the value provided to our business by your personal information. We may also offer loyalty, rewards, premium features, discounts, or club card programs consistent with these rights or payments as compensation, for the collection of personal information, the sale of personal information, or the retention of personal information.

10. How to Exercise Your Rights.   If you would like to exercise any of your rights as described in this Privacy Policy, you can do so here:  https://mysympleloan.com/opt-out.  You may also call us at 866-926-3837 or email us at [email protected], or write to us at Symple Lending LLC, ATTN:  Privacy, 30 N. Gould Street, Suite 11965, Sheridan, WY 82802. 

Please note that you may only make a CCPA/CPRA-related data access or data portability disclosure request twice within a 12-month period.

If you choose to contact us directly by      website,      email,      phone, or /in writing     , you will need to provide us with:

• Enough information to identify you (e.g., your full name, address and customer       access code or number);
• Proof of your identity and address (e.g., a copy of your driving license or passport and a recent utility or credit card bill); and
• A description of what right you want to exercise and the information to which your request relates.

We are not obligated to make a data access or data portability disclosure if we cannot verify that the person making the request is the person about whom we collected information or is someone authorized to act on such person’s behalf.

Any personal information we collect from you to verify your identity in connection with you request will be used solely for the purposes of verification.