ExtraCredit, LLC and its affiliated companies (“ExtraCredit”) respects the privacy of our customers and visitors. We have prepared this privacy policy (“Privacy Policy”) to provide you with information about how we collect, use, share, and protect your personal information. Please read this Privacy Policy carefully before using our website or any other websites or mobile applications associated with ExtraCredit (collectively, our “Sites”). By using our Sites or any of the products and services available on our Sites, you accept this Privacy Policy. Additionally, as a financial institution, the types, and categories of personal information we may collect from or about you as a consumer and our uses and sharing of any such information are also controlled by ExtraCredit’s Privacy Notice located under Privacy Notices below.
We may amend this Privacy Policy at any time. We will attempt to provide you with reasonable notice of any changes; however, unless otherwise stated, the updated version will go into effect as soon as it is posted to our Sites. Please check back each time you use our Sites for the most current Privacy Policy.
ExtraCredit collects information about you (“Personal Information”) and your use of our Sites, some of which may be sensitive Personal Information (“Sensitive Personal Information”) and some of which may not be personally identifiable (“NPI”). We collect Personal Information, Sensitive Personal Information, and NPI about our customers and website visitors, in primarily these ways: directly from our customer or website visitor; from or about customers and applicants buying or leasing products from us or a merchant; from our web server & application logs, cookies, web beacons, and similar technologies; and from third-parties.
We define Personal Information as information that directly identifies an individual, such as name, residential street address or postal address, email address, and date of birth.
Sensitive Personal Information is Personal Information that reveals Social Security number, driver’s license number, government issued identification number, credit card number, bank account or other financial institution account number, and username and password.
We define Non-Personally Identifiable Information or NPI as information about an individual or about categories or groups of individuals that does not identify you individually, such as randomly assigned values in “cookies” and other technical information. We also collect other information that may not identify you individually, such as occupation and other employment information, source of income, and other information.
When you visit our Sites, we may collect information sent to us by your computer, mobile phone, or any other device. This information may include your IP address, device information including but not limited to 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 Sites, the pages you accessed on our Sites, and any other available information. We may also collect information about your use and interaction with our Sites. 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 our Sites. When you use our Sites, we may also store information based on your usage history. This includes, but is not limited to, 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.
We or our third-party service providers may place and read data stored (via session and/or persistent “cookies” or other device specific storage capabilities) on the device you are using, and use other technologies such as Web beacons, clear GIFs, tracking pixels and tags, when you visit or use our Sites or open an ExtraCredit email. Cookies are small data files that are placed on your device for a variety of purposes, including to identify your device and/or your account when you return to ExtraCredit Sites.
You can generally remove, block, or disable cookies by using the settings located in your browser. If you decide to remove or not accept cookies, some features and services on our Sites may not work properly and the offers we provide when you visit or use our Sites may not be as relevant to you or tailored to your interests.
We may also obtain information about you from third parties such as credit reporting agencies and identity verification services. You may choose to provide us with access to certain Personal Information stored by third parties such as social media sites (such as Facebook and Twitter). 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 ExtraCredit account and authorizing ExtraCredit to have access to this information, you agree that ExtraCredit may collect, store, and use this information in accordance with this Privacy Policy.
ExtraCredit may contain links to third-party websites, including social media sites. By including a link to a third-party website, we do not endorse or recommend any products or services offered or information contained at the third- party website. Any access to and use of such linked websites is not governed by this Privacy Policy, but instead is governed by the privacy policies of those third-party websites. We are not responsible for the information practices of such third-party websites. If you decide to visit a third-party website via a link contained in or by ExtraCredit Sites, you do so at your risk.
ExtraCredit stores and processes 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 contractors who require it to fulfill the responsibilities of their jobs.
We use your Personal Information, Sensitive Personal Information, and NPI primarily to review your lease, loan, or installment contract application and provide you the ability to lease and/or purchase products, to ensure quality of service, to contact you, to provide you with offers or information about products and services, and to provide you with a personalized website experience.
We intend to provide you with a personalized experience. We do not alter or change your experience, or otherwise respond to “DNT” or “do not track” signals or other mechanisms received from your computer or mobile device.
We and third parties, including our service providers, may use information from our server logs, cookies and other technologies, in combination with information you provide, transaction information, and information that we or they collect from others, to develop, offer, deliver, and improve our products and services; to offer products and services of our affiliates, marketing partners, and other companies; to process your transactions; to fulfill legal and regulatory requirements; and as otherwise permitted by applicable law. For example, we may use these tracking technologies for our business purposes, such as:
Site operations: Enabling features that are necessary for providing you the services on our Sites, such as identifying you as being signed in, tracking content views, remembering your preferences, and the number of times you have been shown an advertisement.
Analytics: Allowing us to understand how our Sites are being used, track site performance, and make improvements.
Personalized advertising: Delivering tailored advertising based on your preferences or interests across services and devices and measuring the effectiveness of advertisements.
We have engaged Inspectlet to analyze the user behavior of visitors to our Sites and provide research information designed to improve the customer experience. Inspectlet's standard use of cookies and other tracking technologies can enable it to have access to Personal Information of visitors to our Sites. Such access to and use of Personal Information by Inspectlet is governed by Inspectlet's Privacy Policy and handling sensitive data statement. By default, we do not allow Inspectlet to record any Personal Information inputted into any of our forms. Your inputted private details will not form part of Inspectlet’s research. If you wish to opt out of Inspectlet research, you can do so here: https://www.hotjar.com/policies/do-not-track/
We also use Google Analytics to generate statistical and other information about the use of our Sites by means of cookies. To learn more about Google’s privacy policy, please visit: http://www.google.com/policies/privacy/
You can also learn more about how to opt out of the collection and processing of such information by Google by visiting this website. We also use Google Tag Manager, which assists to manage information about the use of our Sites, but this functionality does not capture any user-specific identifiers that could be associated with a particular individual. We also use the Google Maps API on the Sites
We, or our third-party vendors, may collect Personal Information about your online activities over time and across different websites when you use our Sites.
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 our Sites, content, and advertising.
We may contract with third parties to advertise our products and services on Sites not affiliated with ExtraCredit. If you click on one of our advertisements, you link to the ExtraCredit Sites that offer the advertised product or service. These ads may contain cookies that allow tracking of your response to our ads. We and our contracted third parties track and report performance of our advertising and marketing campaigns by using cookies and use related technology, such as tracking pixels. These tracking pixels (also known as action tags, Web beacons, or transparent GIF files) and other similar tracking technologies may be used to collect and store information about user visits, such as the user’s anonymous cookie ID, page visits and duration, and the specific ad or link that the user clicked on to visit the Site. No Personal Information is stored on these cookies or tracking pixels.
You can learn more about ad-serving companies and the options available to limit their collection and use of your information by visiting the websites for the Network Advertising Initiative, the Digital Advertising Alliance, and the European Interactive Digital Advertising Initiative. Similarly, you can learn about your options to opt out of mobile app tracking by certain advertising networks through your device settings and by resetting the advertiser ID on your Apple or Android device.
Please note that opting out of advertising networks services does not mean that you will not receive advertising while using our Sites or on other websites, nor will it prevent the receipt of interest-based advertising from other companies that do not participate in these programs. It will, however, exclude you from interest-based advertising conducted through participating networks, as provided by their policies and choice mechanisms. Note that if you delete your cookies, you may also delete your opt-out preferences.
We share your Personal Information with employees, affiliates, vendors, partners, merchant partners, marketing providers, and third parties as required to offer ExtraCredit products or services. This includes, but is not limited to, processing transactions, maintaining your account, responding to court orders and legal investigations, litigation purposes, complying with audits or other investigations, and reporting to credit reporting agencies. We also engage the following types of service providers to perform functions on our behalf: marketing providers, billing and collection providers, auditing and accounting firms, professional services consultants, providers of analytics services, security vendors, and IT vendors. Occasionally, these service providers may also collect data directly from you and their privacy policies may also apply.
We may share your information with the merchants from which we acquire goods to lease to you, or from which you purchase goods or services or products, for marketing purposes, and as otherwise permitted 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.
We may share your information with merchants you interact with using ExtraCredit for marketing as permitted by law. We do this to help merchants personalize services and offers, so you can have a better experience. You’re able to revoke your consent at any time by following the steps below. If you choose to do so, we will stop sharing your information with merchants from that point onward, except as necessary to complete transactions you initiate. To revoke your consent to information sharing with merchants for marketing, please call us at (405) 857-7247.
If you no longer wish to receive notifications about our products, services, or special offers via email, you may change your notification preferences using the unsubscribe link included in any of the emails you receive from us. Alternatively, please call us at (405) 857-7247. If you elect not to receive email notifications about products, services, or special offers, you will not be eligible for the special offers, and ExtraCredit reserves the right to limit future offers or access to certain products or services should you opt out of the crucial notices that are required to perform the ExtraCredit services. You are still responsible for any amounts due to ExtraCredit even if we close or limit access to your account
You can opt out of receiving SMS messages by responding with “STOP” to any SMS message we have provided to you. Alternatively, please call us at (405) 857-7247. ExtraCredit reserves the right to limit future offers or access to certain products or services should you opt out of the crucial notices that are required to perform the ExtraCredit services. You are still responsible for any amounts due to ExtraCredit even if we close or limit access to your account.
By using our website, you acknowledge that you have read and understand and agree to the ExtraCredit Privacy Policy.
We share your Personal Information with employees, affiliates, vendors, partners, merchant partners, marketing providers, and third parties as required to offer ExtraCredit products or services. This includes, but is not limited to, processing transactions, maintaining your account, responding to court orders and legal investigations, litigation purposes, complying with audits or other investigations, and reporting to credit reporting agencies. We also engage the following types of service providers to perform functions on our behalf: marketing providers, billing and collection providers, auditing and accounting firms, professional services consultants, providers of analytics services, security vendors, and IT vendors. Occasionally, these service providers may also collect data directly from you and their privacy policies may also apply.
We may share your information with the merchants from which we acquire goods to lease to you, or from which you purchase goods or services or products, for marketing purposes, and as otherwise permitted 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.
We may share your information with merchants you interact with using ExtraCredit for marketing as permitted by law. We do this to help merchants personalize services and offers, so you can have a better experience. You’re able to revoke your consent at any time by following the steps below. If you choose to do so, we will stop sharing your information with merchants from that point onward, except as necessary to complete transactions you initiate. To revoke your consent to information sharing with merchants for marketing, please call us at (405) 857-7247.
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.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
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 ExtraCredit chooses to share; and whether you can limit this sharing.
such as to process your transactions, maintain your account(s), respondto court ordersand legal investigations; or report to credit bureaus
to offer our products and services to you
information about your transactions and experiences
information about your creditworthiness
Call (405) 857-7247
Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contactus at any time to limit our sharing.
Call (405) 857-7247 or email us at ryan@extracreditfinance.com
ExtraCredit LLC, ("ExtraCredit")
To protect your personal information from unauthorized accessand use, we use security measures that comply with federal law. These measuresinclude computer safeguards and secured files and buildings.
We collect your personal information, for example, when you
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
If we extend credit to a consumer, we will consider the bank account information provided by the consumer as eligible for us to process payment against. In addition as part of our information collection process, we may detectadditional bank accounts under the ownership of the consumer. We will consider these additional accounts to be part of the application process.
Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Your choices will apply to everyone on your account.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.