Privacy Policy

Please read this Privacy Policy carefully. This Privacy Policy describes the ways in which Crediverso, d/b/a Crediverso (“we”, “us”, “our”) collects, protects, uses, shares, and stores your personal information. You accept this privacy policy by using our website or mobile applications using any means (collectively the “Services”). We may amend this Privacy Policy at any time by posting a revised version on our website. We will attempt to give a reasonable notice period upon making any changes; however, unless otherwise stated, the revised version will be effective at the time we post it.

1. How we collect your information.
If you use the Services, we may collect the following types of information:

• Personal information – your name, Social Security number or taxpayer identification number, physical address, telephone and mobile telephone numbers, email address, date of birth, internet protocol address, and other similar information

• Financial information – bank account numbers that you link to your account with us
Before permitting you to use the Services, we may require you to provide additional information to verify your identity.

2. Information We Learn from Your Use.

When you visit our website or use the Services, we may collect information sent to us by your computer, mobile phone or any other device. This information may include your Internet Protocol address, device information including identifier, name and type, operating system, location, mobile network information and standard web log information, such as your browser type, traffic to and from our site, the pages you accessed on our website, and any other available information. We may also collect information about your use and interaction with our website, mobile application or the Services. For example, we may evaluate your computer, mobile phone or other access device to identify any malicious software or activity that may affect the availability of the Services. When you use the Services, we may also store information based on your usage history. This includes details of your purchases, content you viewed, event information, click stream information, and cookies that may uniquely identify your browser or your account. We may also collect information about you from any contact you have with any of our services or employees, such as, with our customer support team, in surveys, or through interactions with our affiliates and third-party providers.

3. Cookies and Anonymous Identifiers.

We use various technologies to collect and store information when you use the Services. This may include sending one or more cookies or anonymous identifiers to your device. These cookies are used to collect information about how you interact with our website and mobile application and allow us to remember you. We use this information in order to improve and customize your browsing experience and for analytics and metrics about our visitors both on this website, mobile application, and other media.

4. Information Obtained From Third Parties.

We may also obtain information about you from third parties such as credit bureaus, public and private databases, bank account verification services, and other identity verification services. You may choose to provide us with access to certain personal information stored by third parties, including social media sites. The information we have access to varies by site and is controlled by your privacy settings on that site and your authorization. By associating an account managed by a third party with your account with us and authorizing us to have access to this information, you agree that we may collect, store and use this information in accordance with this Privacy Policy.

5. How we protect your information.

We store and process your information maintaining physical, electronic and procedural safeguards. We maintain physical security measures to guard against unauthorized access to systems and use safeguards such as firewalls and data encryption. We enforce physical access controls to our buildings and we authorize access to personal information only for those employees or agents who require it to fulfill the responsibilities of their jobs.

6. How we use your information.

a. To Improve Our Services. We use your information to perform and improve our services, contact you, and conduct research. We may use information to provide customer service and support, process transactions, resolve disputes, collect payments, prevent illegal activities, customize the Services, reduce risk to all parties involved in our transactions, and verify the accuracy of information.

b. To Provide Relevant Marketing to You. We may use information to deliver targeted marketing, service update notices, and promotional offers based on your communication preferences. We may combine your information with information we collect from other companies and use it to improve and personalize the Services, content, and advertising.

7. When we share your information.

a. For Our Everyday Business Purposes. We share your personal information with employees, affiliates, vendors, partners, bank partners and sponsors, marketing providers, and third parties as required to offer the Services. This includes processing transactions, maintaining your account, responding to court orders and legal investigations, litigation purposes, complying with audits or other investigations, and reporting to credit bureaus. If you consent, we may share your information for marketing purposes as permitted by law.

b. When Required by Law. We will share your information with any party when required by law or by a government request to do so or to combat fraud or criminal activity.

8. How we DO NOT use your information.
Selling Information to Third Parties. We do not sell your personal information to third parties.

9. What are your options?

a. Notifications. If you no longer wish to receive notifications about our Services, you may change your notification preferences by emailing info@crediverso.com. Alternatively, you may be able to indicate your preference by logging into your account and adjusting your preferences or by following the directions provided with the communication. We reserve the right to close or limit access to your account should you opt out of the crucial notices that are required to perform the Services. You are still responsible for any amounts due to us even if we close or limit access to your account.

b. SMS Messaging. You can opt out of receiving SMS messages by emailing info@crediverso.com. Alternatively, you may be able to indicate your preference by logging into your account and adjusting your preferences or by following the directions provided with the communication. We reserve the right to close or limit access to your account should you opt out of the crucial notices that are required to perform the Services. You are still responsible for any amounts due to us even if we close or limit access to your account.

c. Access Your Information. You can review and edit your personal information at any time by logging in to your account on our website or by contacting us at info@crediverso.com. You can also request to close your account by contacting us at info@crediverso.com. If you close your account, we will mark your account in our database as “Closed,” but will keep your account information in our database to comply with our legal obligations. This is necessary to ensure that persons who try to commit fraud will not be able to avoid detection simply by closing their account and opening a new account. If you close your account, we will not sell or share your personally identifiable information with third parties or use it for any purpose, except as necessary to prevent fraud and assist law enforcement, as required by law, or in accordance with this Privacy Policy.

d. Contact Us. If you have questions or concerns regarding this Privacy Policy, you should contact us at info@crediverso.com.