Last Updated: March 6, 2025
A Spanish version of this California Notice at Collection is available at:
https://www.lendmarkfinancial.com/es/disclosures/cpra_nac
Data Categories Collected by Us
We currently collect the following categories of personal information listed in the chart below:
| Category of Personal Information |
|
Collected (Yes/No) |
|---|---|---|
| Identifiers | Examples: A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, Social Security number, or other similar identifiers. Sold or Shared? We do not sell or share this category of personal information. |
|
| Personal information described in Cal. Civ. Code § 1798.80(e) | Examples: A name, signature, Social Security number, address, telephone number, employment, employment history, bank account number, debit card number, or any other financial information. Some personal information included in this category may overlap with other categories. Sold or Shared? We do not sell or share this category of personal information. |
|
| Protected classification characteristics under California or federal law | Examples: Age (40 years or older), gender, race, ethnicity or national origin, marital status, or veteran or military status. Sold or Shared? We do not sell or share this category of personal information. |
|
| Commercial Information | Examples: Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. Sold or Shared? We do not sell or share this category of personal information. |
|
| Biometric information | Examples: Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data Sold or Shared? We do not sell or share this category of personal information. |
|
| Internet or other similar network activity | Examples: Browsing history, search history, information on a consumer's interaction with our website, application, or advertisement. Sold or Shared? We do not sell or share this category of personal information. |
|
| Geolocation data | Examples: Physical location or movements. Sold or Shared? We do not sell or share this category of personal information. |
|
| Sensory data | Examples: Audio, electronic, visual, thermal, olfactory, or similar information. Sold or Shared? We do not sell or share this category of personal information. |
Yes |
| Professional or employment-related information | Examples: Current or past job history. Sold or Shared? We do not sell or share this category of personal information. |
|
| Non-public education information | Examples: Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. Sold or Shared? We do not sell or share this category of personal information. |
|
| Inferences | Examples: Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. |
|
| Sensitive Personal Information | Examples: Social Security number, driver’s license number, state identification number, passport number; account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account; precise geolocation information; racial or ethnic origin, religious, or philosophical believes, or union membership; contents of mail, email, biometric information for the purpose of uniquely identifying a consumer, and text messages unless the business is the intended recipient of the communication. **We only collect Sensitive Personal Information for legitimate business purposes appropriate for the use and disclosure of Sensitive Personal Information as defined in the CCPA, and not otherwise use it to infer characteristics about you. Sold or Shared? We do not sell or share this category of personal information. |
|
Retention Period: We will retain and use these categories of personal information for an appropriate period of time as is necessary to fulfill the purposes for which it was collected, to comply with our business requirements and legal obligations, to provide our Services, and other purposes to the extent provided in this California Privacy Policy. We will take reasonable steps to delete the personal information when (1) we have a legal obligation to do so; (2) we no longer have a purpose or obligation for retaining the information; or (3) if you ask us to delete the information unless there is an applicable exception to deleting the information under the CCPA. We are required to maintain records of Consumer requests submitted under the CCPA, which may include these categories of personal information, and how we responded to such requests for at least twenty-four (24) months. Such information related to Consumer requests is retained only for recordkeeping purposes.
Business or Commercial Purposes: We use the categories of personal information listed above provide our products and services to you, to operate, manage, and maintain our business, and to accomplish the following business and commercial purposes, including the following:
To fulfill or meet the reason for which the information is provided;
To provide you with information, products or services that you request from us directly or indirectly;
To provide you with email alerts, event registrations and other notices concerning our products or services, or events or news, that may be of interest to you;
To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collections;
To provide customer service, maintain and servicing accounts, verifying customer information, processing payments, providing financing, providing analytic services, or providing similar services on behalf of the business;
To improve our website and present its contents to you;
To establish and maintain your user account with us;
To authenticate you;
For 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
To detect fraud and prevent loss, or as necessary or appropriate to protect the rights, property, or safety of us, our users and customers, or others;
To audit related to counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards;
To debug to identify and repair errors that impair existing intended functionality;
To allow you to contact us and facilitate your communication with us;
To respond to your feedback, requests, questions, or inquiries;
To provide offers to eligible users or customers;
To provide advertising and marketing services, except for cross-context behavioral advertising, to the consumer provided that, for the purpose of advertising and marketing, a service provider or contractor shall not combine the personal information of opted-out consumers that the service provider or contractor receives from, or on behalf of, the business with personal information that the service provider or contractor receives from, or on behalf of, another person or persons or collects from its own interaction with consumers.
As described to you when collecting your personal information or as otherwise set forth in the CCPA; and
To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the assets transferred.
Other Processing Activities: As permitted by applicable law, we may use all of the personal information that we collect in order to:
Comply with federal, state, or local laws;
Comply with a civil, criminal, or regulatory inquiry, investigation, subpoena, or summons by federal, state, or local authorities;
Cooperate with law enforcement agencies concerning conduct or activity that we, a service provider, or a third party reasonably and in good faith believe may violated federal, state, or local law;
Cooperate with a government agency request for emergency access to a consumer’s personal information if a natural person is at risk or danger of death or serious physical injury;
Exercise or defend legal claims; and
Collect, use, retain, sell, or disclose consumer information that is deidentified or aggregate consumer information.
Additional Data Collection and Uses: We will not collect categories of personal information other than those discussed above and we will not use your personal information for any other purposes that are incompatible with those disclosed above without providing you notice as may be required under the CCPA.
Exclusions from Personal information: Personal information does not include:
Publicly available information or lawfully obtained, truthful information that is a matter of public concern;
Personal information that is deidentified;
Personal information that is aggregated;
Information excluded from the scope of the CCPA including, but not limited to:
Personal information collected, processed, sold, or disclosed subject to the GLBA or the California Financial Information Privacy Act;:
Personal information bearing on an activity involving the collection, maintenance, disclosure, sale, communication, or use of such information by an agency, furnisher, or user subject to regulation under the Fair Credit Reporting Act (FCRA); or
Personal information collected, processed, sold, or disclosed subject to the California Financial Information Privacy Act and implementing regulations or the Driver’s Privacy Protection Act of 1994.
For our general privacy policy see our Online Privacy Policy. For our Privacy Policy for California residents see our CCPA Privacy Policy.
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By accessing the noted link, you will be leaving our website and entering a website hosted by another party. Please be advised that you will no longer be subject to, or under the protection of, our Terms of Use and Privacy Policy. We encourage you to read and evaluate the website terms of use and privacy policies of the site you are entering, which may be different than ours.
By clicking on the confirm button below, you are authorizing Lendmark Financial Services (Lendmark) and its payment processing agent, ACI Payments, Inc. (“ACI”), to use either your deposit account information or debit card, as selected and provided by you, to debit money from your deposit account with your financial institution (Debit Account) for the limited purpose of making a one-time payment to your loan account with Lendmark. You acknowledge that this payment transaction is an electronic transaction and you consent to it being facilitated by ACI on your behalf. All information provided by you to enable this transaction is true and correct to the best of your knowledge. You affirm that you are an owner of the Debit Account or an authorized user of the debit card that you are using to make a debit card payment. You further acknowledge that ACI may assess a fee to you for using this online payment service and that Lendmark does not receive any portion of this fee. Any such fee will be disclosed to you on the Payment Information screen. The fee will be deducted from your Debit Account at the time of the payment.
Your financial institution that maintains your Debit Account must provide you with disclosures which explain your rights and obligations when making electronic transfers and any fees associated with such transfers. You should review these disclosures. In the event your financial institution charges any fees in connection with your authorization of electronic transfers from your Debit Account, you will be responsible for such fees. You should also review your Debit Account statements prepared by your financial institution to verify the date and amount of any transfers initiated for Lendmark by ACI. If you have questions about your rights and obligations when making electronic transfers you should contact your financial institution.
You are responsible for making sure you have sufficient funds in your Debit Account on the scheduled payment date that you select. To the extent permitted by applicable law and as disclosed on your loan agreement, you may be charged an insufficient funds charge by Lendmark for any electronic transfer request that is dishonored by your financial institution.
If a payment that you have scheduled exceeds the minimum payment due at the time the payment is credited to your Lendmark account, you acknowledge that Lendmark will apply the excess portion of the payment in accordance with the payment application terms in your loan agreement. Payments authorized by you will be credited to your Lendmark account on the scheduled payment date; provided that you complete the authorization before 11:59 PM Eastern Standard Time on the scheduled payment date. Payments authorized after 11:59 PM Eastern Standard Time on the scheduled payment date will be credited to your Lendmark account the next day. Payments authorized by you will be presented to your financial institution on or after the scheduled payment date for immediate payment.
On a regular basis, Lendmark or ACI may perform routine maintenance or upgrades on their respective systems or equipment which may result in interrupted service. Notice of such interruptions and changes will be provided in advance whenever possible. Lendmark reserves the right to change the terms and conditions of its online payment service from time to time without notice. You are responsible for regularly reviewing these terms and conditions. Your continued use of the online payment service constitutes your agreement to all such terms and conditions.
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