Privacy Notice

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Rev. June 2021

FACTS WHAT DOES PERSONIFY LOAN SERVICES DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and transaction history
  • Account balances and income
  • Checking account information and credit history

When you are no longer our customer, we continue to share your information as described in this notice.

How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Personify Loan Services chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Personify Loan Services share? Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No
For our marketing purposes – to offer our products and services to you Yes No
For joint marketing with other financial companies Yes No
For our affiliates' everyday business purposes – information about your transactions and experiences Yes No
For our affiliates' everyday business purposes – information about your creditworthiness No We do not share
For our affiliates to market to you No We do not share
For nonaffiliates to market to you No We do not share

Questions?

Call 1 (855) 471-4086
Who we are
Who is providing this notice? ADF Services, LLC doing business as Personify Loan Services
What we do
How does Personify Loan Services protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Personify Loan Services collect my personal information?

We collect your personal information, for example, when you:

  • apply for a loan or give us your income information
  • provide account information or give us your contact information
  • pay your bills

We also collect your personal information from others, such as credit bureaus, affiliates and other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates' everyday business purposes – information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions
Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

    Applied Data Finance, LLC and all ADF consumer loan companies doing business as Personify Financial are affiliates. Other affiliates include financial and nonfinancial companies with the Applied Data Finance and ADF names, such as ADF Data Science Private Limited.
Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

    Personify Loan Services does not share with nonaffiliates so they can market to you.
Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

    Our joint marketing partners may include insurance companies, banks, non-bank lenders, auto, mortgage, and credit card finance companies and other consumer loan companies.
Other important information
Vermont residents: We will not share your personal information with nonaļ¬ƒliates for their marketing purposes without your consent. We will not share consumer report information about you with our affiliates or with joint marketing partners, except with your consent or as otherwise permitted by law.
California residents: We will not share your personal information with nonaffiliates for their marketing purposes without your consent. We will not share your personal information with affiliates or outside companies we contract with to provide financial products and services, except as permitted by law.
For questions or complaints, contact ADF Services, LLC d/b/a Personify Loan Services at 1-888-578-9546 or complaints@personifyfinancial.com. Personify Loan Services is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting Personify Loan Services, consumers can contact the OCCC to file a complaint or ask a general credit-related question. OCCC address: 2601 N. Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579. Fax: (512) 936-7610. Website: occc.texas.gov. E-mail: consumer.complaints@occc.texas.gov

Rev. June 2021

Notice of Information Collection, Sharing, Sale, and Disclosure

In support of our business, Personify Loan Services ("Personify Loan Services", "we", or "us") collect certain personal information and sensitive personal information from and about you. We disclose certain personal information and sensitive personal information about you to third parties. Below you will find a description of (1) the categories of personal information and sensitive personal information we have collected about you, (2) the business or commercial purpose for collecting personal information and sensitive personal information, (3) the categories of sources from which the personal information and sensitive personal information is collected, (4) the categories of third parties with whom the business shares personal information and sensitive personal information, and (5) your right to request the specific pieces of personal information and sensitive personal information we have collected about you.

Other important information

Category

Examples

Personal Identifiers

Name, physical and mailing address, email address, phone numbers, date of birth, and social security number

Other Personal and Financial Information

Signature, bank name, bank routing and account number, driver's license or other government issued ID, income sources and tax records.

Characteristics of Protected Classifications

Age and military status.

Commercial Information

Records of financial loans or other financial products or services obtained or considered, other purchasing or consumer histories or tendencies and trade line information which may reflect commercial information about you.

Internet and Network Activity

Social media information, information about your computer or mobile device (browser type, operating system, connection speed), your interaction with the service or advertisements on the service, a date and time stamp of your visit to the site, pages visited, time of visit and content viewed.

Professional or Employment Information

Employer name, type of job, wages, pay frequency, military status, rank and station orders.

Inferences Drawn from Personal Information and Sensitive Personal Information

We use the information you provide to create a profile reflecting your creditworthiness to underwrite your loan.

Sensitive Personal Information

Social Security Number, account log-In, financial account information, debit card, or credit card number in combination with required credentials or code allowing access to the account.

Limitations on Collection and Use of Personal and Sensitive Information

We do not collect personal information or sensitive personal information of consumers under 18 years of age. We do not sell or share personal information or sensitive personal information of any consumer. We do not use or disclose your sensitive personal information for any purpose other than to perform the services you have requested that we perform.

Categories of Sources from which Personal Information and Sensitive Personal Information is Collected

We obtain your personal information and sensitive personal information from the following sources:

  • - You
  • - Credit bureaus such as Transunion, Experian, and Equifax
  • - Our affiliates, which include all Applied Data Finance, LLC companies doing business as Personify Financial and all companies with the Applied Data Finance and ADF names.
  • - Non-affiliated third parties with whom we have a business relationship, including service providers who assist us in servicing and maintaining your account like payment processors and verification services and other non-affiliated third parties who help us run our business, including internet service providers, data analytics providers, and social networks.
  • - Government and public records
Business Purposes for which we Collect and Share Personal Information and Sensitive Personal Information:

We use the personal information and sensitive personal information we collect from you and third parties to:

  • - Provide you with a loan or other financial products or services you request through Personify.
  • - Market new loans or other financial products or services available through Personify.
  • - Provide services and support for your loan or other financial products or services and/or your use of the Site;
  • - Process transactions and send notifications regarding your loan or other financial products or services from Personify and general operation of the Site;
  • - Resolve disputes, collect fees and troubleshoot problems involving your loan or other financial products or services from Personify and your use of the Site;
  • - Detect and prevent potentially prohibited or illegal activities;
  • - Customize, measure and improve our Site and the services we provide through our Site;
  • - Update the content and layout of our website; and
  • - Compare information for accuracy and verify it with third parties.
Categories of Third Parties with which We Share Personal Information and Sensitive Personal Information

We share personal information and sensitive personal information received from you or about you with certain third parties. These parties represent the following categories of third parties:

  • - Credit bureaus such as Transunion, Experian, and Equifax
  • - Our affiliates, which include all Applied Data Finance, LLC companies doing business as Personify Financial and all companies with the Applied Data Finance and ADF names.
  • - Non-affiliated third parties with whom we have a business relationship including service providers who assist us in servicing and maintaining your account like payment processors and verification services and other non-affiliated third parties who help us run our business, including internet service providers, data analytics providers, and social networks.
Right to Request Information

You have the right to request information regarding the personal information and sensitive personal information we collect on you, including the categories of personal information and sensitive personal information collected and the purposes for which it is collected, as well as the personal information and sensitive personal information we disclose about you to third parties. You may submit requests for information by calling us toll-free at 1-855-471-4086 or by clicking the California Resident Personal Information Request button at the top of this page.

Right to Correct Inaccurate Personal Information

If you believe that we maintain inaccurate personal information about you, you have the right to request that we correct such inaccurate personal information. You may request that we correct the inaccurate personal information by calling us toll-free at 1-855-471-4086 or by clicking the California Resident Personal Information Request button at the top of this page.

Right to Request Deletion

Under certain circumstances, you may have the right to request that we delete the data we have collected on you. You may request that we delete your data by calling us toll-free at 1-855-471-4086 or by clicking the California Resident Personal Information Request button at the top of this page.

Right to Equal Service

We will not discriminate against you for exercising any of the rights detailed above. Specifically, if you exercise any of the rights specified above, we will not: (1) deny goods or services to you, (2) charge you different rates or prices from those who have not exercised such rights, (3) provide different levels of service from those who have not exercised such rights, or (4) suggest that you will be subject to the discriminatory actions in items 1-3. However, we may charge different prices or rates, or provide different levels or quality of goods or services, to you, if that difference is reasonably related to the value provided to you by your data.

Consumer Verification

When you make a request for information or request to delete, we will verify that you are the person making the request by comparing the information contained in your request to the information we have on file for you.

Third Party / Authorized Agent Requests

If you are a consumer and you are using a third party, such as an attorney or family member, to submit this request on your behalf, we will need prior authorization from you for them to submit this request. If you are an agent for a consumer you must submit proof of authorization from the consumer to submit this request on their behalf. Such proof may consist of: (1) a power of attorney or letter of representation, or (2) verbal confirmation by the consumer. You may submit proof of authorization by calling us toll-free at 1-855-471-4086 or by emailing us at privacy@applieddatafinance.com (mailto:privacy@applieddatafinance.com).

More Information

For more information regarding this privacy policy, please call us toll-free at 1-855-471-4086 or email us at privacy@applieddatafinance.com (mailto:privacy@applieddatafinance.com).

For questions or complaints, contact ADF Services, LLC d/b/a Personify Loan Services at 1-888-578-9546 or complaints@personifyfinancial.com. Personify Loan Services is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting Personify Loan Services, consumers can contact the OCCC to file a complaint or ask a general credit-related question. OCCC address: 2601 N. Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579. Fax: (512) 936-7610. Website: occc.texas.gov. E-mail: consumer.complaints@occc.texas.gov

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