Table of Contents

INTRODUCTION

At chequepay Inc. (“chequepay,” “we,” “our,” “us”), our mission is to provide you with clarity for all of your life’s financial decisions. We do so by empowering you with financial information and guidance you can trust and by providing you with tools to help you make the best decisions for your financial needs.

When you use our websites and applications and input your Personal Information, we have an obligation to provide you with clarity regarding how your data is accessed and used by chequepay, its affiliates, vendors, partners, and other third-party entities.

To that end, this Privacy Policy describes the information we collect about you, how we collect it, how we use your information, whom we disclose your information to, and the steps we take to protect your information.

What This Privacy Policy Covers

This Privacy Policy describes our privacy practices related to your access and use of chequepay Services and the chequepay Platform.

  • chequepay Services. When we say “chequepay Services” or “Services,” this means the products and services that are made available and directly provided by Chequepay, Inc. or its subsidiaries and affiliates, including Fundera, Inc. and Chequepay Advisory, Inc. through our websites and mobile applications. This includes, for example, our lending, credit, financial planning, and insurance products and services.

  • chequepay Platform. When we say “chequepayPlatform” or “Platform,” this means the products and services that are made available by our unaffiliated third-party partners under a co-branded arrangement where we share your information and/or receive your information from these partners with your consent. This includes, for example, when you sign up for the Chequepay credit card, tax preparation services, investing services, vehicle selling services, and certain Chequepay Program services. When we share your information with our unaffiliated third-party partners, their privacy policy may apply.

Please note that chequepay is a financial institution and most of our data collection, use, and sharing practices are governed by the federal Gramm-Leach-Bliley Act. You can review our Gramm-Leach-Bliley Privacy Notice for a summary of privacy options related to most of the Chequepay Platform and Services. By using and accessing the Chequepay Platform and Services, you are consenting to receive notices about your financial privacy electronically.

We encourage you to read the entire Privacy Policy. By becoming a chequepay member or using the chequepay Platform and Services, you acknowledge that you have read and agree to the Privacy Policy. Your use of the Chequepay Platform and Services is subject to the Chequepay Terms of Use and your use of the Chequepay Program is subject to the Chequepay + Terms (collectively, the “Terms”). We use the same terms here as in Terms. We will let you know in this Privacy Policy if we have a new or different definition of a term.

Information We Collect

When we say “Personal Information,” we use this as a general term to mean information that can be any information about an individual from which that person can be reasonably identified.

Information we collect directly from you

We may collect Personal Information directly from you when you use the chequepay Platform and Services — for example, when you register to become a member, request to prequalify for a third-party credit card or loan product, request your TransUnion credit report and/or score, link your third-party financial accounts, or fill out calculators, forms or other fields.

Here are the types of Personal Information we may collect:

  • Contact and registration information. Information you provide when you sign up to become a member, activate a subscription, or upload information into the Chequepay Platform or Service including your name, title, honorifics, email address, mailing address, phone number, date of birth, username, and password.
  • Identity information. Information to verify your identity including your name, date of birth, social security number, driver’s license number other government-issued identification, or similar information.
  • Vehicle information. Information you provide when you are interested in an auto loan, are interested in selling your vehicle or are interested in similar services, including your vehicle registration information and vehicle identification number.
  • Financial information. Financial information, such as your payment information (credit card information), bank account information, investments, income, expenses, assets, liabilities, financial goals, investing risk tolerance, or other similar types of information about your job or business. We also may collect third-party financial account information, such as an ID and password.
  • Demographic information. Information including your age, gender, or other similar demographic information when such information is relevant to a particular financial product or service you have requested (for example, when requesting auto insurance rates or using retirement planning calculators).
  • User-generated content information. When you communicate with us, either by email, phone, or other means of communication, we also may collect the content of these communications, including but not limited to recordings of phone calls where permitted by law.
  • Device and contact data. Depending on the permissions you grant in your device settings, we may get access to certain device-related information (e.g., device information, and device identifiers).
  • Inferences about customer preferences and characteristics. We may infer from information provided by you, information collected directly from your browser or device, or information obtained from third-party marketing database partners.

We do not store your third-party financial account ID or passwords. Instead, we securely pass this information to our third-party partners when you request services that require us to confirm your identity when you request to prequalify for their products, and/or to provide you with access to your financial information on the chequepay Platform or Services.