PORCHPASS PRIVACY POLICY

Last Revised: 10/20/2023

Privacy Policy

Privacy Policy - Summary

At PorchPass, we are committed to protecting user privacy. Therefore, we have created and are maintaining an ongoing privacy compliance framework that enables users to access and exercise their privacy rights.

This policy explains what information we collect, how we use it, who we share it with, and what options you have about certain uses. Key elements of our full privacy policy are summarized below for your convenience. However, the full version of our privacy policy is the legally binding one.

During your visit to our websites, we will collect information about your visit, your interaction with content, the site from which you came and the one to which you are headed, and some technical information about the device and system from which you are accessing the services. When you use our services, we may ask you to provide sensitive Personal Information, which may include financial information. We use such information to match you with a third-party financial service provider or a platform that may provide you with financial product offers.

Our data collection practices comply with applicable laws. Specifically we comply with the Gramm-Leach-Bliley Act to the extent it is applicable to our use, and sharing practices. In some states in the US, our processing of information may raise additional privacy rights. Vermont residents should note that we will not share nonpublic Personal Information with unaffiliated third parties without their consent, except as permitted by law, and we will not share credit scores with our affiliates, to the extent such are collected. Residents of states that have state privacy regulations should also review their state specific privacy notices.

We use the information collected on our websites to provide the services you request, to improve the services over time, to measure analytics, statistics, and to sync and resolve payment issues with our Partners.

We will not share your information unless we are required to by law, or as required to provide you with our website and services, or if we receive your consent to such data sharing.

The Site may link to third party websites, we are not responsible for the privacy practices of such third parties and you should review their privacy policies of such sites when you access them.

Overview

You are visiting a website owned and operated by PorchPass, LLC. PorchPass, LLC and its subsidiaries (collectively, “PorchPass”, “us”, “we”, or “our”) are committed to maintaining your confidence and trust as it relates to the privacy and usage of your information. Please read below and learn how we collect, protect, share, and use your information as part of our technology platforms, and all of our products and services.

This Privacy Policy applies to www.porchpass.com and all websites and mobile apps owned and operated by PorchPass on which this privacy policy is displayed as well as PorchPass affiliates. This Privacy Policy forms an integral part of the Site's Terms of Use Agreement.

By using the Site, you agree to the terms of this Privacy Policy. Please read this entire Privacy Policy before using or submitting information to us through this Site or any online resource. Whenever you submit information via this Site, you consent to the collection, processing, use and disclosure of such information in accordance with this Privacy Policy. If you do not agree to this Privacy Policy, you are not permitted to access or use the Site.

For purposes of this Privacy Policy, “Personal Information” shall mean any information by which you can be individually identified directly or in conjunction with other publicly available information, including, but not limited to your name, address, email address, telephone number, and any financial information you may provide for purposes of completing a transaction with PorchPass. This Privacy Policy does not apply to information collected from offline resources and communications, except in cases where such information is consolidated with Personal Information collected by PorchPass through this Site. This Privacy Policy does not apply to any third-party websites linked to this Site. PorchPass is not responsible for the privacy practices or the content of these third-party sites.

Notice to California Residents (Click here to learn more about your California Privacy Rights and for our Notice of Collection of Personal Information).

Consumer Privacy Disclosure(Click here for additional information regarding our handling of financial information and your choices with respect to such information).

Cookies and IBA Policy(Click here to learn more about how we use Cookies and how to opt-out of target advertising)

Categories of Information We Collect

Identifying Information: We collect information that could identify you such as your name, street address, telephone number, mobile number, email address, and Social Security Number, information collected from cookies or other tracking technologies, other information necessary to establish an account. We may also collect this type of information from you about others, such as co-borrowers.

Financial Information: Such as, bank account and routing numbers, credit and debit card information, annual income, employment information, and information about other sources of income. We may also collect your credit history, credit scores, your transaction history, and credit products, rates, and payments in the course of processing any application for our financial company partners' products or services. For additional information relating to your choices about financial information specifically, see our Consumer Privacy Disclosure.

Other Information: We also collect information such as demographic data, data about your online activity, and other information that is not used to identify you.

How We Collect Information

1. Information provided by you: You provide your personal information when you interact with us, such as when you register for our services, make loan inquiries, fill in forms, communicate with us, apply for jobs, and work for us.

2. Information from third parties: Information is collected from credit bureaus, lead generators and other partners who may have data on your financial profile, home, or other demographic information.

3. Information from cookies and other tracking technologies: We use cookies, web beacons, and similar technologies to record your preferences, track the use of our Site and collect information. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. You may choose to set your web browser to refuse cookies, or to alert you when cookies are being sent. If you do so, please note that some parts of our Site may not function properly.

How We Use Information

Any Personal Information collected by PorchPass may be used for the following purposes:

1. For the business purposes of PorchPass or our business partners, including legally authorized marketing, sales, operational and financial activities.
2. To comply with any requests from you, including requests to complete a transaction, receive certain information or share content from this Site with another individual.
3. To better understand your needs and how we can improve our products and services.
4. To communicate with you about products or services you might find interesting.
5. To tailor your experience on our Site.

Where permitted by our arrangements with service providers, PorchPass may combine the Personal Information you share through this Site with other information you have shared with us, both online and offline. PorchPass may also combine this Personal Information with records provided by third parties. PorchPass uses this consolidated information to help better design PorchPass products, to communicate information to you, to enhance marketing and research activities, and to facilitate other business functions.

Who We Share Information With

PorchPass may share Personal Information about you with our subsidiaries and affiliates. In addition, PorchPass may share your Personal Information with outside third parties solely for the following purposes:

1. To help fulfill PorchPass business transactions.
2. To conduct technical maintenance of PorchPass' Site and other platforms.
3. To facilitate a merger, consolidation, transfer of control or other corporate reorganization in which PorchPass participates.
4. To facilitate a financing agreement in which the assets implicated include PorchPass' technical or information resources.
5. To respond to appropriate requests of legitimate government authorities, or where required by applicable laws, court orders or government regulations.
6. Where needed for corporate audits or to investigate or respond to a complaint or security threat.
7. SMS opt-in and phone numbers collected for SMS purposes will not be shared with third parties or affiliates for marketing purposes.

Any subsidiaries or affiliates with whom PorchPass shares your Personal Information shall be required to treat such information in accordance with this Privacy Policy. The privacy and information practices of other business partners (such as lenders and vendors who offer products and services that we believe you may be interested in) are set forth in their respective privacy policy.

Cookies and Do Not Track

When you interact with our Services, open email we send you, or visit a third-party website for which we provide Services, we and our partners use cookies and other tracking technologies to recognize you as a user, customize your online experiences and online content, including to serve you interest-based advertising, perform analytics; mitigate risk and prevent potential fraud, and promote trust and safety across our Services.

We use Cookies to collect your device information, internet activity information, and inferences as described above.

Some web browsers have an optional setting called "Do Not Track" that lets you opt-out of being tracked by advertisers and some third parties. Our Site may not respond to Do Not Track requests or headers from some or all browsers because many of our Services will not function without tracking data.

Use of Information for Marketing

PorchPass will not sell or transfer your Personal Information to any nonaffiliated entity for its own, independent direct marketing use unless we provide clear notice to you and obtain your explicit consent. PorchPass uses third-party advertising companies to place ads on other websites. These companies may use data about your visits to this Site and other websites to measure advertising effectiveness and to provide advertisements for our Site including goods and services which may be of interest to you.

Updating and Accessing Your Information

Depending on the Service, you may have the ability to view or edit some of your information online using the Service's interface. If you have submitted a loan request through us, you can update your information by contacting us at hello@PorchPass.com or on 1-210-670-5553.

How We Protect Your Information

PorchPass and its affiliates take steps to protect Personal Information we access or receive through this Site from loss, misuse and unauthorized access, disclosure, alteration or destruction. Nevertheless, PorchPass makes no guarantee as to the security of your Personal Information and disclaims, to the fullest extent permitted by law, all liability and damages caused by loss, misuse and unauthorized access, disclosure, alteration or destruction. We recommend you take any available precautions to protect Personal Information you submit on this Site.

Information Retention Period

We retain Personal Information for as long as needed or permitted in context of the purpose for which it was collected and consistent with applicable law. We calculate the retention period based upon the time the personal information is needed to: (a) fulfill the purposes described in this Privacy Policy, (b) meet the timelines required or recommended by regulators, professional bodies, or associations, (c) comply with applicable laws, legal holds, and other legal obligations (including contractual obligations), and (d) comply with your requests.

Your Data Privacy Rights

Your local privacy laws may grant you rights with respect to your personal information, and we will not knowingly discriminate against you because you have exercised any of your privacy rights. These rights differ based on the local laws that apply to you, but could include one or more of the following:

• Right to confirm we process your personal information and, if so, to access, correct, complete, object to or restrict the processing of, and delete certain personal information we hold about you, including the rights to receive your personal information in a portable copy.
• To opt-out of marketing emails from us, in which you may email us or click the unsubscribe link at the bottom of each email that you receive from us.
• California residents may have the rights as described in our California Policy.

IMPORTANT: These rights are not absolutely guaranteed and there are several exceptions where we may not have an obligation to fulfill your request. We are only required to honor these rights to the extent we act as a controller of that data and the requested rights have been granted and apply to you under applicable data privacy laws. Please consult your local data privacy laws to determine what rights may be available to you and when access to these rights is limited.

Changes to this Privacy Policy

From time to time, PorchPass may revise this Privacy Policy to reflect changes to our business, Services, or applicable laws. If the revised version requires notice in accordance with applicable law, we will provide you with 30 days' prior notice by posting notice of the change on our Site, otherwise changes to this Privacy Policy will be promptly reflected on this page. PorchPass recommends you review this Privacy Policy regularly for any changes. Continued use of our Site after publication of any change in our Privacy Policy indicates your consent to the use of newly submitted information in accordance with the amended Privacy Policy.

How to Contact Us

For any questions regarding this Privacy Policy, the Site, or your Personal Information, we can be reached at:

PorchPass, LLC
84 NE Loop 410
Suite 180
San Antonio, Texas 78216

hello@PorchPass.com

Supplemental Privacy Policies

Depending on the specific Service you are using or specific interactions you have with us, we may provide different or supplemental privacy policies that describe and govern how we use your personal information.