To activate the Service you do not need to submit any Personal Information. To use some components of the Service thereafter, you do not need to submit further Personal Information. However, in an effort to improve the quality of the Service, we track information provided to us by your browser or by our software application when you view or use the Service, such as the website you came from (known as the “referring URL”), the type of browser you use, the device from which you connected to the Service, the time and date of access, and other information that does not personally identify you. We track this information using cookies, or small text files which include an anonymous unique identifier. Cookies are sent to a user’s browser from our servers and are stored on the user’s computer hard drive.
The Company may use both persistent and session cookies; persistent cookies remain on your computer after you close your session and until you delete them, while session cookies expire when you close your browser.
We only execute financial transactions with the information you provide us as you authorize us to do so when using the service. However, we do perform routine passive non-financial transactions with the data you provide us in cases where we can improve your use of the Service by doing so. For example, if you provide us with account information for a payment vendor, we may interact with that vendor’s services to ensure that the information we need to process your transactions on the Service is accurate and contact you if that is not the case.
In general, the Personal Information you provide to us is used to help us communicate with you. For example, we use Personal Information to contact users in response to questions, solicit feedback from users, provide technical support, and inform users about promotional offers.
For users who choose to participate in borrowing on our platform, in order to help our users build credit history, we may share data about loans and repayments made on our platform with credit reporting agencies, as well as personally identifiable information as required by those services. Our sharing of information with these services is done within the restrictions imposed by the Fair Credit Reporting Act (FCRA) and other applicable state and federal laws.