Privacy

1. Collection of your information

1. Information you provide us directly

   The information we collect from you will vary depending on the product or service requested. We may ask for certain information such as your username, first and last name, birth date, telephone number, email address, outstanding loan balances, social security number, income, employment history, and other details related to your financial situation when you use our Service and/or register for an Own Up account. We may collect information you voluntarily provide us when using the Service. We may also collect and store information you provide about other people. By submitting information about someone other than yourself, you represent that you are authorized to provide us with that person's information for the purposes identified in this Privacy Policy and/or in connection with the Service. We may also retain communications you send through the Services, including via telephone, chat, text, email, or our automated chatbot, "Katina". Calls to Own Up may be recorded or monitored for quality assurance, customer service, training, and/or risk management.

2. Information that is collected automatically

   In addition to the information you provide to us directly, we may automatically collect information about your use of the Service, as described below.
   • Log file information. Log file information may be automatically reported by your browser each time you access the Service. When you use our Service, our servers may automatically record certain log file information. These server logs may include information such as your web request, Internet Protocol ("IP") address, browser type, browser language, operating system, platform type, the state or country from which you accessed the Service, software and hardware attributes (including Device ID), referring / exit pages and URLs, number of clicks and how you interact with links on the Service, domain names, landing pages, pages viewed and the order of those pages, the date and time you used the Service and uploaded or posted content, error logs, files you download, and other such information.
   • Location information. When you use the Service, we may automatically collect general location information (e.g., IP address, city/state and/or zip code associated with an IP address) from your computer or mobile device. Please note that if you disable location features, you may not be able to access or receive some or all of the services, content, features and/or products made available via the Service.
   • Cookies and other technologies. We and our third-party service providers may use cookies, clear GIFs, pixel tags, beacons, and other technologies that help us better understand user behavior, personalize preferences, perform research and analytics, and improve the products and services we provide. Your browser may allow you to modify your browser settings to decline certain cookies if you prefer. If you disable cookies, you may be prevented from accessing or taking full advantage of the Services.
     • Cookies. When you visit the Service, we may send one or more cookies — a small text file containing a string of alphanumeric characters — to your computer that uniquely identifies your browser or stores information or settings on your device. Cookies let us help you log in faster and enhance your navigation through the site. A cookie may also convey information to us about how you use the Service (e.g., the pages you view, the links you click and other actions you take on the Service), and allow us to track your usage of the Service over time. Our Service may use HTTP cookies, HTML5 cookies and other types of local storage (such as browser-based or plugin-based local storage).
     • Clear gifs/web beacons/pixels. When you use the Service, we may employ clear gifs (also known as web beacons or pixels) which are used to track the online usage patterns on our Services. In addition, we may also use such technologies in emails sent to our users to track which emails are opened, which links are clicked by recipients, and whether our emails are forwarded. The information allows for more accurate reporting and improvement of the Service.
     • Web analytics. We may use third-party Web analytics services on our Service, such as those of Google Analytics. These service providers use the technology described above to help us analyze how users use the Service. The information collected by the technology (including your IP address) will be disclosed to or collected directly by these service providers. You can learn about Google's practices by going to https://policies.google.com/privacy, and exercise the opt-out provided by Google by downloading the Google Analytics opt-out browser add-on, available at https://tools.google.com/dlpage/gaoptout.
     • Session replay and interaction analytics. We and certain third-party service providers may use session replay technology and similar interaction analytics tools to analyze your activity on the Service. This information is used to understand how users engage with the Service, diagnose technical issues, improve usability, detect fraudulent activity, and enhance the products and services we provide. We take reasonable measures designed to limit the collection of sensitive information through these tools.
   
   We may use this information in a number of ways, including, but not limited to: (a) to remember information so that you will not have to re-enter it during your visit or the next time you visit the site; (b) to provide custom, personalized content and information; (c) to provide our Service and monitor its effectiveness, including on or through our affiliates and/or other third-party service providers (via a separate express written consent procedure for each provider of lending services); (d) to monitor aggregate metrics such as total number of visitors, traffic, and demographic patterns; (e) to diagnose or fix technology problems; and (f) to help you efficiently access your information after you sign in.

3. Information from third-party sources

   We may receive information about you from publicly and commercially available sources, as permitted by law, which we may combine with other information we receive from or about you. For example, when you request prequalified rates, we will ask your permission to conduct a soft credit inquiry. Likewise, when you apply for a loan product, either we or a Provider may conduct a hard credit inquiry. When you apply for a mortgage, we will conduct a search of public records to determine the estimated value of your home and your estimated taxes in order to automate the loan application process and make things more convenient and streamlined for you.

2. Do not track signals

3. Use of your information

• To provide you with and manage the Service. We use your information to provide, develop, maintain and improve our Service and the features and functionality of the Service. This may include customization and tailoring the Service features according to the information that you provide.
• To process and fulfill a request or other transaction submitted to us. We use your information to process or fulfill requests or transactions that you have requested.
• To share information about you with the lenders in our lender marketplace.
• To communicate with you. We use the information we collect or receive to communicate directly with you. We may send you emails containing newsletters, promotions and special offers. If you do not want to receive such email messages, you will be given the option to opt out or change your preferences. We also use your information to send you Service-related emails (e.g., account verification, changes/updates to features of the Service, technical and security notices). You may not opt out of Service-related emails.
• Provide personalized products or services. We may use the information we collect to provide personalized services to you.
• Surveys, Offers, Sweepstakes. If you choose to participate, we may use your information to conduct surveys and offer sweepstakes, drawings, and similar promotions.
• Marketing. We may contact you directly by email, phone or text message to market and advertise our Services and offers from authorized lenders.
• Research and Analytics. We may use your information for research and analytical purposes, for example, to identify trends and effectiveness of certain marketing campaigns we run.
• Business Operations. We may use your information for certain operational purposes including, for example, to perform audits and quality control, and to facilitate mergers, acquisitions, divestitures, reorganizations, restructurings, and other dispositions of all or any portion of our business, assets, or stock (including prospective transactions).
• To comply with law and protect the rights of Own Up and others. We may use your information as we believe is necessary or appropriate to fulfill our legal and compliance-related obligations, including complying with applicable laws and legal processes, responding to requests from public and government authorities, meeting national security or law enforcement requirements, enforcing our terms and conditions, protecting our operations, protecting the rights, privacy, safety, security, or property of Own Up, its affiliates, employees, agents, or other users, responding to auditors, pursuing available legal remedies, defending claims, and limiting the damages that we may sustain.
• With your consent. We may otherwise use your information with your consent or at your direction.
• To aggregate/de-identify data. We may aggregate and/or de-identify information collected through the Service. We may use de-identified and/or aggregated data for our lawful business purposes, including without limitation for research and marketing purposes, and may also share such data with any third parties, including advertisers, promotional partners, sponsors, event promoters, and/or others.

4. Sharing of your information

• Providers. We may share your information with Providers for the purpose of providing the Service to you. This may include requests for prequalified rates, offers, and information related to other products and services they offer.
  • When you submit information to a Provider or third party through the Service, such submission of your information may also be governed by Provider or third-party privacy and security policies which differ from our Privacy Policy. For details of these policies, please consult the policies of the Providers or third parties directly.
  • You understand that, subject to any applicable laws or regulations, Providers may keep your information that relates to any submission of information that you may make through your use of the Service and any other information provided by Own Up or Own Up affiliates in the processing of any submission of information, whether or not you are eligible for the Provider's products or services. You agree to notify any particular Provider directly if you no longer want them to keep your information.
  • As a prospective borrower or applicant of a Provider's products or services, you understand that when you nominate a co-signer/co-applicant, Own Up may share Provider responses relating to your submission with your nominated co-signer/co-applicant, and, as a co-signer/co-applicant, we may share Provider responses relating to your submission with the prospective borrower or applicant.
• Affiliates. We may share information with our parent company and any of our parent company's subsidiaries.
• Service providers. We may share your personal information with third parties who work on behalf of, or with, us such as vendors, processors, agents and other representatives. Service providers assist us with a variety of functions. This includes, for example, assisting with customer service-related functions, providing analytics services (e.g., Google Analytics), helping us verify your identity, obtain your credit report, providing website hosting services, assisting with auditing functions, and helping us with marketing and related research activities.
• Professional advisors. We may share your personal information with accountants, auditors, consultants, lawyers, banks, financial institutions, and other professional advisors who support our business operations.
• Other parties. When required by law or as necessary to protect our users and services. Own Up may share your information where required to do so by law or subpoena or if we reasonably believe that such action is necessary to (a) comply with the law and the reasonable requests of law enforcement; (b) enforce our Terms and Conditions or to protect the security or integrity of our Service; and/or (c) exercise or protect the rights, property, or personal safety of Own Up, our Users or others.
• Business transfers. We may buy or sell/divest/transfer Own Up (including any shares in Own Up), or any combination of its products, services, assets and/or businesses. Your information may be among the items sold or otherwise transferred in these types of transactions. We may also sell, assign or otherwise transfer such information in the course of corporate divestitures, mergers, acquisitions, bankruptcies, dissolutions, reorganizations, liquidations, similar transactions or proceedings involving all or a portion of Own Up.
• Aggregated or de-identified information. We may also aggregate or de-identify data and use and share that data for our lawful business purposes.
• In addition to the sharing described in this Privacy Policy, we may share information about you with third parties whenever you consent to or direct such sharing.

5. How we store and protect your information

6. Your choices about your information

1. Your account information and settings

   If you choose to set up a profile, you may update your account information at any time by logging into your account and changing your profile settings. You can also contact us at support@ownup.comto change your preferences.

2. Email promotions

   You can stop receiving promotional email communications from us by clicking on the "unsubscribe link" provided in such communications. You may not opt out of Service-related communications (e.g., account verification, transaction-related updates, changes/updates to features of the Service, and technical and security notices). If you have any questions about reviewing or modifying your account information, you can contact us directly at support@ownup.com.

3. Calls and text messaging

   By providing your mobile phone number, you consent to receive calls and/or text messages from us and our affiliates (or their agents) in connection with our Services. If you wish to withdraw consent as permitted by applicable law, follow the opt-out instructions set forth in the communication. Calls may be recorded or monitored for quality assurance, training and risk management; by using the Service or contacting us you consent to such recording/monitoring.

4. Cookie Opt-Out Rights

   There are a number of ways to limit online tracking on our Services, which we have summarized below:
   • Blocking cookies in your browser. Most browsers let you remove or reject cookies. To do this, follow the instructions in your browser settings. Many browsers accept cookies by default until you change your settings. For more information about cookies, including how to see what cookies have been set on your device and how to manage and delete them, visit www.allaboutcookies.org.
   • Using privacy plug-ins or browsers. You can block our websites from setting cookies by using a browser with privacy features, like Brave, downloading and enabling Global Privacy Control, or installing browser plugins like Privacy Badger, Ghostery, or uBlock Origin, and configuring them to block third party cookies/trackers.

7. Data Retention

8. Children's privacy

9. Links to other web sites and services

10. Contact us

11. Changes to our Privacy Policy

12. Artificial Intelligence