Last updated: October 1, 2023
Effective Date: November 16, 2016
The CuruCredit.com website is operated by Curu, Inc. (“Curu” or “we”, “us” or “our”). This Regulation Privacy Policy applies to CuruCredit.com website, and any other websites powered by Curu, social media page or mobile application offered, which references or links to this Regulation Privacy Policy (collectively, the “Site”).
Visit this page often to ensure you are aware of our current policy as this policy may be changed, modified or amended at any time. Curu will notify you of any material changes, modifications or additions by either announcing the change on our Site or taking such other action as we deem appropriate under the circumstances, including, without limitation, posting the revised version of the privacy policy on our privacy policy page of the Site. Any changes to this Privacy Policy will become effective upon posting. By continuing to use the Site following such changes, you will be deemed to have agreed to such changes. If you do not agree with the terms of this Privacy Policy, as it may be amended periodically, in whole or in part, please do not continue to use this Site. Your access to and use of this Site are subject to our Terms of Service.
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.
All financial companies need to collect 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 Curu chooses to share; and
whether you can limit this sharing.
What information do we collect, how do we collect it, and how do we use it?
- “Personal information” is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify a person in context. The personal information you may be asked to enter and we may collect on our Site includes your full name, address, phone number, and email address.
- We also capture “traffic data”, such as Internet Protocol (IP) address used to connect your computer to the Internet, browser type, device type used to access the Site (i.e., computer or mobile device), user browsing time, click path taken through the Site and other information about how the Site is accessed or used. Traffic data is generally non- identifying, but if we associate it with you as an identifiable person, we will treat it as personal information. IP addresses are retained and used only in the event that there are issues relating to the origin of a payment transaction. We also use traffic data to maintain and help diagnose problems with our Site, to aid in strategic development and to help administer and audit usage of the Site. Technologies we use to collect traffic data may include cookies (data files placed on your computer or other electronic devices used to access the Site), mobile analytics software and pixel tags (transparent graphic images, sometimes called web beacons or tracking beacons, placed on a web page or in an email, which indicate that a page or email has been viewed). If you disable or opt-out of receiving cookies, some features and services on the Site may not work as intended and you may not have access to all of the services and features we may offer.
- We use your personal information to register and provide you with our services and to communicate with you regarding your requests. We also use your information to send periodic emails about our services and to administer and protect the Site.
To what parties do we disclose personal information?
- We may share your information with our designated third party service providers (“Service Providers”). Our Service Providers perform certain business-related functions on our behalf. When we employ a Service Provider that Service Provider will only be provided with the particular personal information it needs to perform its function.
- We may also share your information with our designated third party service partners (“Service Partners”). In these relationships, we are a service provider to our Service Partner and will perform certain business-related functions on their behalf, such as hosting their website’s content library.
- We may also share your personal information with third-party affiliates to provide you with offers, promotions, and other marketing messages that may be of interest to you. By using our service, you consent to the automatic submission of your data to these third-party affiliates. If you wish to opt-out of these communications, please contact us at [email protected].
- We may also release your information if requested by law enforcement, or if agencies or authorities with whom we are legally required to cooperate request it. We may disclose information during the investigation of fraud or illegal activity. For example, we may disclose personal information in response to a subpoena, warrant, court order, or comparable legal process pursuant to applicable law.
- We reserve the right to transfer any information we have about you in connection with a sale, merger, consolidation, change of control, transfer of assets, reorganization or liquidation of our business.
Can you limit sharing?