Elf Lending™ Privacy Policy

Last Updated: July 17^th, 2024

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Thank you for visiting the Elf Lending™ website located at https://elflending.com (the "Site"). The Site is an Internet property of BMA Media, LLC ("Elf Lending™," "we," “our” or "us"). We respect the privacy of your personally identifiable information. To better inform you of our privacy and security policies, we provide this Elf Lending™ Privacy Policy ("Privacy Policy") explaining our online information practices and the choices available to you concerning the way that we use the information collected at the Site. You agree to this Privacy Policy, in its entirety, when you: (a) access or use the Site; (b) access and/or view any of the: (i) links to third-party credit card, personal loan and/or auto loan-related resources and other information (“Third-Party Links"); and/or (ii) text, video and/or other information pertaining to credit card, personal loan and/or auto loan-related products and/or services made available on the Site (the “Informational Content," and together with the Third-Party Links, the “Content"); (c) register on the Site to receive the Elf Lending™ newsletter (the “Newsletter”) which features various products and/or services, including credit card, personal loan and auto loan-related products and/or services (collectively, the “Third-Party Products”), as provided by Elf Lending's™ third-party credit card, personal loan and auto loan-related product and service providers (“Third-Party Service Providers”) and other third-party advertising partners (“Third-Party Advertisers”); and/or (d) utilize the various contact forms and/or contact information made available on the Site as a means to contact directly, or request to be contacted by, Elf Lending™ and/or Elf Lending's™ Third-Party Service Providers regarding the Third-Party Products (collectively, the “Contact Services," and together with the Site, Content and Newsletter, the “Site Offerings").  Please note, if you are either a resident of, or physically located in, the United Kingdom or a European Union Member State, you are not permitted to use either Site and/or any Site Offerings.

Capitalized terms not defined herein shall have the meanings set forth in the Elf Lending™ Terms & Conditions of Use (“Terms and Conditions”).  IF YOU DO NOT AGREE TO TERMS OF THIS PRIVACY POLICY IN THEIR ENTIRETY, YOU MAY NOT ACCESS OR OTHERWISE USE THE SITE OFFERINGS.

Users with disabilities who wish to access this Privacy Policy in an alternative format can contact us by emailing us at: info@lenditude.com; or sending us U.S. Mail to: Lenditude, 96 Linwood Plaza, #458, Fort Lee, NJ 07024.

State Specific Privacy Rights

Residents of the States of California, Colorado, Connecticut, Delaware, Iowa, Montana, Nebraska, Nevada, New Hampshire, New Jersey, Oregon, Tennessee, Texas, Utah and Virginia, as well as businesses organized under the laws of the State of California (collectively, "Covered Users") are afforded additional rights pursuant to applicable state law. Please see our "Privacy Provisions for Covered Users" below for a more complete description of your rights as a Covered User.

1. Your California Privacy Rights

Shine the Light. If you are a resident of the State of California and would like to learn how your "personal information" (as defined in the Shine the Light Law, Cal. Civ. Code § 1798.83) is shared with third parties, what categories of personal information that we have shared with third parties in the preceding year, as well as the names and addresses of those third parties, please: (a) email us at: info@lenditude.com with the subject line "Privacy"; or (b) send us correspondence via U.S. Mail to: Lenditude, 96 Linwood Plaza, #458, Fort Lee, NJ 07024.

Further, if you are a resident of the State of California and would like to opt-out from the disclosure of your personal information to any third party for marketing purposes, please: (a) email us at: info@lenditude.com with the subject line "Privacy"; or (b) send us correspondence via U.S. Mail to: Lenditude, 96 Linwood Plaza, #458, Fort Lee, NJ 07024.

California Consumer Privacy Act of 2018 ("CCPA"). In addition to the foregoing, if you are a resident of the State of California certain other privacy-related rights may apply to you in accordance with the CCPA, including the right to delete the personal information we have collected about you, and the right to opt-out of our sale/sharing of your personal information, as well as the right to know what personal information about you we have collected, whether your personal information was shared/sold with/to third-parties in the preceding year and, if so, what categories of personal information were shared/sold, as well as the categories of third parties with whom we shared or sold that personal information. Please see our "Privacy Provisions for Covered Users" below for a more complete description of your rights under the CCPA as a California resident.

The California Privacy Rights Act ("CPRA"). In addition to the foregoing, if you are a resident of the State of California, certain other privacy-related rights may apply to you in accordance with the CPRA, including the right to opt-out from the use of your personal data for certain profiling activities, the right to opt-out of the use of your personal information for targeted advertising, the right to correct personal information we have collected about you, the right to opt-out of our use/sharing of your sensitive personal information, the right to know how long we retain your sensitive and non-sensitive personal information, the right to know what sensitive personal information about you we have collected, whether your sensitive personal information was shared with third-parties in the preceding year and, if so, what categories of sensitive personal information were shared, as well as the categories of third parties with whom we shared that sensitive personal information. Please see our "Privacy Provisions for Covered Users" below for a more complete description of your rights under the CPRA as a California State resident.

Browser "Do Not Track" Signals. Most browsers contain a "do-not-track" setting. In general, when a "do-not-track" setting is active, the User’s browser notifies other websites that the User does not want her/his personal information and online behavior to be tracked and used, for example, for interest-based advertising. As required by California Online Privacy Protection Act ("CalOPPA"), we are required to inform you that, as is the case with most websites, we do not honor or alter our behavior when a Site User has activated the "do-not-track" setting on her/his browser; provided, however, that you may have certain rights with respect to the use of automated technologies to deliver targeted advertising to you, as well as to create profiles of you using your personal information.

2. Your Colorado Privacy Rights

If you are a resident of the State of Colorado, certain privacy-related rights may apply to you in accordance with the Colorado Privacy Act ("CPA"), including the right to correct personal information we have collected about you, the right to delete the personal information we have collected about you, the right to opt-out of our use/sharing of your sensitive personal information, the right to opt-out from the use of your personal data for certain profiling activities, the right to opt-out of the use of your personal information for targeted advertising, and the right to opt-out of our sale/sharing of your personal information, as well as the right to know what personal information about you we have collected, whether your personal information was shared with third-parties in the preceding year and, if so, what categories of personal information were shared, as well as the categories of third parties with whom we shared that personal information. Please see our "Privacy Provisions for Covered Users" below for a more complete description of your rights under the CPA as a Colorado State resident.

3. Your Connecticut Privacy Rights

If you are a resident of the State of Connecticut, certain privacy-related rights may apply to you in accordance with the Connecticut Data Privacy Act ("CTDPA"), including the right to correct personal information we have collected about you, the right to delete the personal information we have collected about you, the right to opt-out of our use/sharing of your sensitive personal information, the right to opt-out from the use of your personal data for certain profiling activities, the right to opt-out of the use of your personal information for targeted advertising, and the right to opt-out of our sale/sharing of your personal information, as well as the right to know what personal information about you we have collected, whether your personal information was shared with third-parties in the preceding year and, if so, what categories of personal information were shared, as well as the categories of third parties with whom we shared that personal information. Please see our "Privacy Provisions for Covered Users" below for a more complete description of your rights under the CTDPA as a Connecticut State resident.

4. Your Delaware Privacy Rights

If you are a resident of the State of Delaware, certain privacy-related rights may apply to you in accordance with the Delaware Personal Data Privacy Act ("DPDPA"), including the right to correct personal information we have collected about you, the right to delete the personal information we have collected about you, the right to opt-out of our use/sharing of your sensitive personal information, the right to opt-out from the use of your personal data for certain profiling activities, the right to opt-out of the use of your personal information for targeted advertising, and the right to opt-out of our sale/sharing of your personal information, as well as the right to know what personal information about you we have collected, whether your personal information was shared with third-parties in the preceding year and, if so, what categories of personal information were shared, as well as the categories of third parties with whom we shared that personal information. Please see our "Privacy Provisions for Covered Users" below for a more complete description of your rights under the DPDPA as a Delaware State resident.

5. Your Iowa Privacy Rights

If you are a resident of the State of Iowa, certain privacy-related rights may apply to you in accordance with the Iowa Data Protection Act ("IDPA"), including the right to opt-out of our sale/sharing of your personal information, as well as the right to know what personal information about you we have collected, whether your personal information was shared with third-parties in the preceding year and, if so, what categories of personal information were shared, as well as the categories of third parties with whom we shared that personal information. Please see our "Privacy Provisions for Covered Users" below for a more complete description of your rights under the IDPA as an Iowa State resident.

6. Your Montana Privacy Rights

If you are a resident of the State of Montana, certain privacy-related rights may apply to you in accordance with the Montana Consumer Data Privacy Act ("MCDPA"), including the right to correct personal information we have collected about you, the right to delete the personal information we have collected about you, the right to opt-out of our use/sharing of your sensitive personal information, the right to opt-out from the use of your personal data for certain profiling activities, the right to opt-out of the use of your personal information for targeted advertising, and the right to opt-out of our sale/sharing of your personal information, as well as the right to know what personal information about you we have collected, whether your personal information was shared with third-parties in the preceding year and, if so, what categories of personal information were shared, as well as the categories of third parties with whom we shared that personal information. Please see our "Privacy Provisions for Covered Users" below for a more complete description of your rights under the MCDPA as a Montana State resident.

7. Your Nebraska Privacy Rights

If you are a resident of the State of Nebraska, certain privacy-related rights may apply to you in accordance with the Nebraska Data Privacy Act ("NDPA"), including the right to correct personal information we have collected about you, the right to delete the personal information we have collected about you, the right to opt-out of our use/sharing of your sensitive personal information, the right to opt-out from the use of your personal data for certain profiling activities, the right to opt-out of the use of your personal information for targeted advertising, and the right to opt-out of our sale/sharing of your personal information, as well as the right to know what personal information about you we have collected, whether your personal information was shared with third-parties in the preceding year and, if so, what categories of personal information were shared, as well as the categories of third parties with whom we shared that personal information. Please see our "Privacy Provisions for Covered Users" below for a more complete description of your rights under the NDPA as a Nebraska State resident.

8. Your Nevada Privacy Rights

Nevada State residents have the right to submit opt-out requests to website operators instructing those website operators not to sell any "covered information" that the website operators have collected about Nevada State residents to any third party data broker(s). Covered information includes a consumer’s name, postal and email address, telephone number and Social Security Number, and includes the Information described below in the "Personal Information that We Collect" section.

If you are a Nevada State resident and you wish to exercise your right to request that we to stop the sale of your Information to third party data brokers, please e-mail us at info@lenditude.com; or send us U.S. Mail to: Lenditude, 96 Linwood Plaza, #458, Fort Lee, NJ 07024. In your request, please specify that you want to exercise your rights to opt-out from the sale of covered information under the Nevada Privacy Law and specify the website that you visited and the email address you registered with. Please allow thirty (30) days for a response.

9. Your New Hampshire Privacy Rights

If you are a resident of the State of New Hampshire, certain privacy-related rights may apply to you in accordance with SB 255-FN ("NHDPA"), including the right to correct personal information we have collected about you, the right to delete the personal information we have collected about you, the right to opt-out of our use/sharing of your sensitive personal information, the right to opt-out from the use of your personal data for certain profiling activities, the right to opt-out of the use of your personal information for targeted advertising, and the right to opt-out of our sale/sharing of your personal information, as well as the right to know what personal information about you we have collected, whether your personal information was shared with third-parties in the preceding year and, if so, what categories of personal information were shared, as well as the categories of third parties with whom we shared that personal information. Please see our "Privacy Provisions for Covered Users" below for a more complete description of your rights under the NHDPA as a New Hampshire State resident.

10. Your New Jersey Privacy Rights

If you are a resident of the State of New Jersey, certain privacy-related rights may apply to you in accordance with the New Jersey Privacy Act ("NJPA"), including the right to correct personal information we have collected about you, the right to delete the personal information we have collected about you, the right to opt-out of our use/sharing of your sensitive personal information, the right to opt-out from the use of your personal data for certain profiling activities, the right to opt-out of the use of your personal information for targeted advertising, and the right to opt-out of our sale/sharing of your personal information, as well as the right to know what personal information about you we have collected, whether your personal information was shared with third-parties in the preceding year and, if so, what categories of personal information were shared, as well as the categories of third parties with whom we shared that personal information. Please see our "Privacy Provisions for Covered Users" below for a more complete description of your rights under the NJPA as a New Jersey State resident.

11. Your Oregon Privacy Rights

If you are a resident of the State of Oregon, certain privacy-related rights may apply to you in accordance with the Oregon Consumer Privacy Act ("OCPA"), including the right to correct personal information we have collected about you, the right to delete the personal information we have collected about you, the right to opt-out of our use/sharing of your sensitive personal information, the right to opt-out from the use of your personal data for certain profiling activities, the right to opt-out of the use of your personal information for targeted advertising, and the right to opt-out of our sale/sharing of your personal information, as well as the right to know what personal information about you we have collected, whether your personal information was shared with third-parties in the preceding year and, if so, what categories of personal information were shared, as well as the categories of third parties with whom we shared that personal information. Please see our "Privacy Provisions for Covered Users" below for a more complete description of your rights under the OCPA as an Oregon State resident.

12. Your Tennessee Privacy Rights

If you are a resident of the State of Tennessee, certain privacy-related rights may apply to you in accordance with the Tennessee Information Protection Act ("TIPA"), including the right to correct personal information we have collected about you, the right to delete the personal information we have collected about you, the right to opt-out of our use/sharing of your sensitive personal information, the right to opt-out from the use of your personal data for certain profiling activities, the right to opt-out of the use of your personal information for targeted advertising, and the right to opt-out of our sale/sharing of your personal information, as well as the right to know what personal information about you we have collected, whether your personal information was shared with third-parties in the preceding year and, if so, what categories of personal information were shared, as well as the categories of third parties with whom we shared that personal information. Please see our "Privacy Provisions for Covered Users" below for a more complete description of your rights under the TIPA as a Tennessee State resident.

13. Your Texas Privacy Rights

If you are a resident of the State of Texas, certain privacy-related rights may apply to you in accordance with the Texas Data Privacy and Security Act ("TDPSA"), including the right to correct personal information we have collected about you, the right to delete the personal information we have collected about you, the right to opt-out of our use/sharing of your sensitive personal information, the right to opt-out from the use of your personal data for certain profiling activities, the right to opt-out of the use of your personal information for targeted advertising, and the right to opt-out of our sale/sharing of your personal information, as well as the right to know what personal information about you we have collected, whether your personal information was shared with third-parties in the preceding year and, if so, what categories of personal information were shared, as well as the categories of third parties with whom we shared that personal information. Please see our "Privacy Provisions for Covered Users" below for a more complete description of your rights under the TDSPA as a Texas State resident.

14. Your Utah Privacy Rights

If you are a resident of the State of Utah, certain privacy-related rights may apply to you in accordance with the Utah Consumer Privacy Act ("UCPA"), including the right to opt-out of our sale/sharing of your personal information, as well as the right to know what personal information about you we have collected, whether your personal information was shared with third-parties in the preceding year and, if so, what categories of personal information were shared, as well as the categories of third parties with whom we shared that personal information. Please see our "Privacy Provisions for Covered Users" below for a more complete description of your rights under the UCPA as a Utah State resident.

15. Your Virginia Privacy Rights

If you are a resident of the State of Virginia, certain privacy-related rights may apply to you in accordance with the Virginia Consumer Data Protection Act ("VCDPA"), including the right to opt-out of our sale/sharing of your personal information, as well as the right to know what personal information about you we have collected, whether your personal information was shared with third-parties in the preceding year and, if so, what categories of personal information were shared, as well as the categories of third parties with whom we shared that personal information. Please see our "Privacy Provisions for Covered Users" below for a more complete description of your rights under the VCDPA as a Virginia State resident.

General Privacy Provisions

Privacy Policy Quick Links

Below are links to key sections of our Privacy Policy:

Personal Information Collection

Please see our Privacy Provisions for Covered Users below for additional details regarding the categories of personal information collected.

We collect your personally identifiable information when you register to use the Contact Services and/or register for the Newsletter. In connection with registering to use the Contact Services and/or registering to receive the Newsletter, you may be required to submit, and Elf Lending™ may collect, some or all of the following information: (a) your e-mail address; (b) your full name; (c) your telephone number; (d) your mailing address; (e) your date of birth; (f) the amount of the loan requested, as applicable; (g) your yearly income; (h) your credit score; (i) whether you rent or own a home; (j) your drivers' license number; (k) the state that issued your driver's license; (l) your primary source of income; (m) your time at your current job; (n) your employer's name; (o) your employer's telephone number; (p) your monthly income; (q) your pay frequency; (r) your pay dates; (s) whether you are an active member of the military; (t) your bank account number; (u) your bank routing number; (v) your bank name; (w) your time at your current bank; (x) your account type; (y) whether you have direct deposit; (z) your Social Security Number; and (aa) any other information collected via the applicable Contact Services form (collectively, "Contact Data").

Upon entering Contact Data and clicking on the applicable submission button on the Site: (i) Elf Lending™ may pass your Contact Data along to one (1) or more of Elf Lending's™ Third-Party Service Providers and/or Third-Party Advertisers; (ii) you may be contacted by Elf Lending™ and/or one (1) or more Third-Party Service Providers regarding your request; and/or (iii) you may be contacted by one (1) or more Third-Party Advertisers with third-party offers that may be of interest to you. Any information that you supply to any Third-Party Service Provider and/or Third-Party Advertiser shall be governed by that third-party entity’s privacy policy. Where Elf Lending™ contacts you in connection with your submission of Contact Data, Elf Lending™ and/or a representative from Elf Lending™ may request additional information over the telephone (collectively, "Follow-Up Data," and together with the Contact Data, the "User Data"). For purposes of this Privacy Policy, items (g), (h), (i), (j), (k), (l), (m), (n), (o), (p), (q), (r), (s), (t), (u), (v), (w), (x), (y) and (z) shall be deemed "Sensitive Information".

Please be advised that Elf Lending™ does not itself provide the Third-Party Products, or any other comparable products and/or services, and the ultimate terms and conditions of any product or service featured by and through the Site Offerings will be determined by the applicable Third-Party Service Provider(s) and/or Third-Party Advertiser(s).

Use and Sharing of Personal Information

Please see our Privacy Provisions for Covered Users below for details regarding our uses and sharing of personal information.

The personal information that you submit to Elf Lending™ remains your property, but by submitting that personal information to Elf Lending™, you agree that we may share, sell, rent, lease or otherwise provide that personal information (other than Sensitive Information) to any third-party (including Third-Party Advertisers) for any purpose permitted by law, and we may work with other businesses to bring selected third-party offers to you. These businesses and third-parties may include, but are not limited to: (a) providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation; (b) e-mail marketers; (c) telemarketers (where permitted by applicable law); and (d) direct marketers. We may also use your personal information to send you promotional messages regarding various Elf Lending™ products and/or services, as well as third-party products and/or services that we think may be of interest to you.

Without limiting the foregoing, with your permission, we may share your User Data (including Sensitive Information) with those Third-Party Service Providers that you request to be contacted by. These Third-Party Service Providers may use your User Data to offer you credit card, personal loan and auto loan-related products and/or services, and for any other lawful purposes, subject to any restrictions contained herein. Where you submit personal information, we use the personal information that you make available to personalize your experience with the Site and to facilitate the delivery of the applicable Site Offerings to you, including to respond to any inquiries made by you.

You also agree that we may contact you at any time with updates and/or any other information that we may deem appropriate for you to receive in connection with your continued use of the Site Offerings, and to keep you informed of our other products and services.

We may also provide your information to third-party companies and individuals to perform certain functions on our behalf. Examples include sending direct and electronic mail, removing duplicate information from end-user lists, analyzing data and providing marketing analysis. The agents performing these limited functions on our behalf shall have access to our end-users’ personal information as needed to perform these functions for us, but we do not permit them to use end-user personal information for other purposes.

We will also use your personal information with your permission, for customer service, to provide you with information that you may request, to customize your experience with the Site Offerings and/or to contact you when necessary in connection with your use of the Site Offerings. We may also use your personal information for internal business purposes, such as analyzing and managing our service offerings including, without limitation, the Site Offerings. We may also combine the information that we have gathered about you with information from other sources.

By submitting your personal information by and through the Site Offerings, and thereby providing your permission, you agree that such act constitutes an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule (16 CFR §310 et seq.), as amended from time to time (the "Rule") and applicable state do-not-call regulations. As such, notwithstanding that your telephone number may be listed on the Federal Trade Commission’s Do-Not-Call List, and/or on applicable state do-not-call lists, we retain the right to contact you via telemarketing in accordance with the Rule and applicable state do-not-call regulations.

Where you provide "prior express consent" within the meaning of the Telephone Consumer Protection Act (47 USC § 227), and its implementing regulations adopted by the Federal Communications Commission (47 CFR § 64.1200), as amended from time-to-time ("TCPA"), you consent to receive telephone calls from Elf Lending™ and/or its designated Third-Party Service Provider(s) and/or Third-Party Advertiser(s), as applicable (including SMS text messages), delivered via automated technology, to the telephone number(s) that you provided. Please note that you are not required to provide this consent in order to obtain access to the Site Offerings, and your consent simply allows Elf Lending™ and its designated Third-Party Service Providers and/or Third-Party Advertiser(s), as applicable, to contact you via these means.

Without limiting the foregoing, where you provide "prior express consent" within the meaning of the TCPA to receive SMS messages from Elf Lending™ and/or its designated Third-Party Service Providers and/or Third-Party Advertisers, you may receive a maximum of fifteen (15) such SMS messages per calendar month per Third-Party. Text "STOP" to opt-out from future messages. No other words or combination of words will achieve a successful opt out result. You may text "HELP," or email us at info@lenditude.com, for help. Active keywords include HELP, STOP, END, QUIT, CANCEL, UNSUBSCRIBE.

Please be advised that by agreeing to this Privacy Policy, you are obligated to immediately inform us if and when the telephone number that you have previously provided to us changes. Without limiting the foregoing, if you: (i) have your telephone number reassigned to another person or entity; (ii) give up your telephone number so that it is no longer used by you; (iii) port your telephone number to a landline or vice versa; or (iv) otherwise stop using that telephone number for any reason (collectively "Phone Number Change"), you agree that you shall promptly notify Elf Lending™ of the Phone Number Change via e-mail at: info@lenditude.com, or by using one of the methods set forth in the "Contact Us" section below.

We reserve the right to release current or past personal information (including Sensitive Information): (A) in the event that we believe that the Site Offerings are being or have been used in violation of the Terms and Conditions or to commit unlawful acts; (B) if the information is subpoenaed; provided, however, that, where permitted by applicable law, we shall provide you with e-mail notice, and opportunity to challenge the subpoena, prior to disclosure of any personal information pursuant to a subpoena; or (C) if we are sold, merge with a third-party or are acquired by a third-party (collectively, "M&A Transactions") (including where we share your personal information in connection with the due diligence process associated with a potential M&A Transaction); or (D) if we are the subject of bankruptcy proceedings; provided, however, that if Elf Lending™ is involved in a bankruptcy proceeding or M&A Transaction, you will be notified via email and/or a prominent notice on the Site of any change in ownership or uses of your personal information, as well as any choices that you may have regarding your personal information.

You hereby consent to the disclosure of any record or communication to any third-party when we, in our sole discretion, determine the disclosure to be appropriate including, without limitation, sharing your e-mail address with third-parties for suppression purposes in compliance with applicable law, including the CAN-SPAM Act of 2003, as amended from time to time. End-users should also be aware that courts of equity, such as U.S. Bankruptcy Courts, might have the authority under certain circumstances to permit personal information to be shared or transferred to third-parties without permission.

Non-Personally Identifiable Information Collection and Use

Please see our Privacy Provisions for Covered Users below for more details regarding the categories and types of non-personal information collected

Computer IP Addresses/Browser Type

We may collect certain non-personally identifiable information about you and your desktop computer when you visit many of the pages of the Site. This non-personally identifiable information includes, without limitation, the type of browser that you use (e.g., Safari, Chrome, Internet Explorer), your IP address, the type of operating system that you use (e.g., Windows or iOS) and the domain name of your Internet service provider (e.g., Verizon, AT&T). We use the non-personally identifiable information that we collect to improve the design and content of the Site Offerings and to enable us to personalize your Internet experience. We also may use this information in the aggregate to analyze usage of the Site Offerings.

Cookies

When an end-user visits the Site, we send one (1) or more cookies and/or gif files (collectively, "Cookies") to assign an anonymous, unique identifier to the applicable end-user’s computer and/or mobile device, as applicable. A Cookie is a piece of data stored on your hard drive containing non-personally identifiable information about you. Cookies have many benefits to enhance your experience on the Site, as applicable. To find out more about Cookies, please visit www.cookiecentral.com. We use Cookies to improve the quality of the Site Offerings, including for storing end-user preferences and tracking Site usage (such as pages opened and length of stay at the Site, as applicable).

Most Internet browsers are initially set up to accept Cookies, but you can reset your browser to refuse all Cookies or to indicate when a Cookie is being sent. To disable and reject certain Cookies, follow the instructions associated with your Internet browser. Even in the case where an end-user rejects a Cookie, he or she may still use the Site Offerings; provided, however, that certain functions of the Site Offerings may be impaired or rendered inoperable if the use of Cookies is disabled. We reserve the right to retain Cookie data indefinitely.

Behavioral Tracking

Elf Lending™, its Third-Party Service Providers and its Third-Party Advertisers may use Cookies, pixels and other tracking technology (collectively, "Tracking Technology") in connection with the Site for purposes of tracking end-users’ activities (such as websites visited, advertisements selected and pages viewed) after they leave the Site. Elf Lending™, its Third-Party Service Providers and its Third-Party Advertisers use this Tracking Technology to target applicable end-users with advertisements featuring Elf Lending™ products and services and third-party products and/or services that Elf Lending™, its Third-Party Service Providers and/or its Third-Party Advertisers, as applicable, think may be of interest to applicable end-users. To opt out of this behavioral tracking, please: submit an unsubscribe request here.

Without limiting the foregoing, we may use two (2) tools called "Google Analytics®" "Google AdSense®," each as made available by Google, Inc. ("Google®"), on the Site. Google® may collect some or all of the following information by and through the Google® tracking technology: (a) city and country of the user; (b) device type (desktop, mobile, tablet, etc.); (c) browser type; (d) referring website, search engine or social media platform; (e) Site pages visited; (f) time spent on each page; (g) navigation path through the Site; (h) actions taken on the Site (clicks, downloads, form submissions, registrations, etc.); and (i) exit pages (collectively, "Google® Data"). Google® shares the Google® Data with us.

We may combine Google® Data with your personal information, and we and/or Google® may use Google® Data to serve you targeted ads after you leave the Site. Google’s® ability to use and share the Google® Data and other information collected about your visits to (and use of) the Site and/or in connection with the Services through the Google Analytics® and Google AdSense® tools is restricted by the Google Analytics® Terms of Service, available here, and the Google® Privacy Policy, available here. You may learn more about how Google® collects and processes data specifically in connection with these tools here. You may prevent your data from being tracked and/or used by Google ® by downloading and installing the Google® Opt-out Browser Add-on, available here.

We may also use a web analysis tool called Meta Pixel®, as made available by Facebook, Inc. ("Facebook®"). Facebook® may collect some or all of the following information by and through the Meta Pixel® tracking technology: (a) traffic data from Facebook® users who visit the Site; (b) demographic information of Facebook® users who visit the Site; (c) actions taken on the Site (clicks, downloads, form submissions, registrations, etc.); (d) attribution for purposes of Facebook® ad conversion; and (e) click-through rates from the Site (collectively, "Meta Pixel® Data"). Facebook® shares the Meta Pixel® Data with us.

We may combine the Meta Pixel® Data with your personal information, and we and/or Facebook® may use that Meta Pixel® Data to serve you targeted ads after you leave the Site. Information pertaining to Facebook’s® use of Facebook’s® Meta Pixel® Data and Facebook’s® privacy policy can be found here.

We may also use a web analysis tool under the Bing Ads® brand, as made available by Microsoft, Inc. ("Bing®"). Bing® may collect some or all of the following information by and through the Bing® tracking technology: (a) city and country of the user; (b) device type (desktop, mobile, tablet, etc.); (c) browser type; (d) referring website, search engine or social media platform; (e) Site pages visited; (f) time spent on each page; (g) navigation path through the Site; (h) actions taken on the Site (clicks, downloads, form submissions, registrations, etc.); and (i) exit pages (collectively, "Bing® Data"). Bing® shares the Bing® Data with us.

We may combine the Bing® Data with your personal information, and we and/or Bing® may use that Bing® Data to serve you targeted ads after you leave the Site. You can opt out of Bing® Ads interest-based ads by following their instructions here.

You can learn more about the privacy practices and policies of Microsoft® by visiting their Privacy Policy page here.

Without limiting the foregoing, we may also use a tool called "HotJar®," as made available by HotJar Ltd. ("HotJar®"), on the Site. HotJar® may collect some or all of the following information by and through the HotJar® tracking technology: (a) device type (desktop, mobile, tablet, etc.); (b) browser type; (c) navigation path through the Site; (d) actions taken on the Site (clicks, downloads, form submissions, registrations, etc.); and (i) exit pages (collectively, "HotJar® Data"). HotJar® shares the HotJar® Data with us.

We may combine HotJar® Data with your personal information, and we and/or HotJar® may use HotJar® Data. Users can opt-out of HotJar®-related tracking by utilizing the options made available here.

In general, end-users may be able to disable some, but not all, of this tracking activity by utilizing the "Do Not Track" setting or similar options within most major Internet browsers. We do not honor or alter our behavior when an end-user has activated the "do-not-track" setting on her/his browser. In addition, end-users may be able to opt-out of this form of tracking utilizing the options made available by the Network Advertising Initiative or Digital Advertising Alliance. To the greatest extent permissible under applicable law, we are not responsible for the tracking practices of third-parties in connection with the Site.

Cross Device Tracking

Elf Lending™ tracks your use of the Site Offerings across various devices, including your personal computer and mobile device, in order to optimize and personalize your Site Offerings experience. Elf Lending™ may collect certain of your personal information across various devices. If you would like to opt-out of having your use of the Site Offerings tracked across multiple devices, please e-mail us at: info@lenditude.com. Please be advised that where you opt-out of having your use of the Site Offerings tracked across devices, you may need to upload certain information multiple times and/or input your log-in information multiple times.

Site-Visit Recordation Technology

We use certain scripts and Site-visit recordation technology provided by third-party service providers, such as those provided by Lead Intelligence, Inc. d/b/a Jornaya ("Jornaya") and ActiveProspect, Inc. (including its TrustedForm service). We use these scripts/technologies to record Site visits and independently document users’ consent to be contacted, including that those users have provided their respective "prior express consent" as required by the TCPA. For more information about the data usage, retention and collection policies and practices of these third-party service providers, please click on the links located below:

• ActiveProspect Trusted Form Script Privacy Policy: https://activeprospect.com/privacy-policy
• Jornaya’s Script Privacy Policy: https://www.jornaya.com/consumer-privacy-policy/

Aggregate Data

Elf Lending™ reserves the right to transfer and/or sell aggregate or group data about end-users of the Site Offerings for lawful purposes. Aggregate or group data is data that describes the demographics, usage and other characteristics of end-users as a group, without disclosing personally identifiable information.

Third-Party Links

The Site Offerings may contain links to other third-party owned and/or operated websites including, without limitation, websites owned and/or operated by our Third-Party Service Providers and/or Third-Party Advertisers. Elf Lending™ is not responsible for the privacy practices or the content of such websites. In some cases, you may be able to make a purchase through one of their third-party websites. In these instances, you may be required to provide certain information, such as a credit card number or banking information, to register or complete a transaction at such website. These third-party websites have separate privacy and data collection practices and Elf Lending™ has no responsibility or liability relating to them.

Opt-Out/Unsubscribe

Please see our Privacy Provisions for Covered Users below for instructions on how Covered Users can opt-out of the sale of their personal information to third parties.

To stop receiving future communications from Elf Lending™, please unsubscribe. To unsubscribe from all of Elf Lending™ e-mail lists, please unsubscribe.

Notwithstanding the foregoing, we may continue to contact you for the purpose of communicating information relating to your request for Site Offerings, as well as to respond to any inquiry or request made by you. To opt-out of receiving Site Offerings-related and/or inquiry response-related messages from Elf Lending™, you must cease requesting and/or utilizing the Site Offerings and/or cease submitting inquiries to Elf Lending™, as applicable.

Deleting and Updating Your Information

Please see our Privacy Provisions for Covered Users below for instructions on how Covered Users can access and/or delete personal information that we have collected.

At your request, we will: (a) inform you of what personal information we have on file for you; (b) amend the personal information that we have on file for you; and/or (c) remove personal information that you have provided to us, or that we have collected. You may do so by e-mailing us at: info@lenditude.com. 

We ask individual end-users to identify themselves and the information requested to be accessed, corrected or removed before processing such requests, and, to the extent permitted by applicable law, we may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others or would be extremely impractical (for instance, requests concerning information residing on backup tapes).

Please be advised that deleting your personal information may terminate your access to certain of the Site Offerings. If you wish to continue using the full complement of Site Offerings, you may not be able to delete all of the personal information that we have on file for you.

Please be further advised that, after you delete your personal information, residual copies may take a period of time before they are deleted from our active servers and may remain in our backup systems.

Children’s Privacy

Please see our Privacy Provisions for Covered Users below for more details regarding the personal information of minors.

We do not knowingly collect information from individuals under eighteen (18) years of age. No information should be submitted to, or posted at, the Site by individuals under eighteen (18) years of age. We encourage parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children.

Security of Your Personal Information

We endeavor to safeguard and protect our end-users’ personal information. When end-users make personal information available to us, their personal information is protected both online and offline (to the extent that we maintain any personal information offline). Where our registration/application process prompts end-users to enter Sensitive Information, and when we store and transmit such sensitive information, that information is encrypted with advanced TLS (Transport Layer Security).

Access to your personal information is strictly limited, and we take reasonable security measures to ensure that your personal information is not accessible to the public. All of our end-users’ personal information is restricted in our offices, as well as the offices of our third-party service providers. Only employees or third-party agents who need end-user personal information to perform a specific job are granted access to end-user personal information. Our employees are dedicated to ensuring the security and privacy of all end-user personal information. Employees not adhering to our firm policies are subject to disciplinary action. The servers that we store end-user personal information on are kept in a secure physical environment. We also have security measures in place to protect the loss, misuse and alteration of personal information under our control. 

Please be advised, however, that while we take every reasonable precaution available to protect your data, no storage facility, technology, software, security protocols or data transmission over the Internet or via wireless networks can be guaranteed to be 100% secure. Computer hackers that circumvent our security measures may gain access to certain portions of your personal information, and technological bugs, errors and glitches may cause inadvertent disclosures of your personal information; provided, however, that any attempt to breach the security of the network, our servers, databases or other hardware or software may constitute a crime punishable by law. For the reasons mentioned above, we cannot warrant that your personal information will be absolutely secure. Any transmission of data at or through the Site, other Site Offerings or otherwise via the Internet or wireless networks, is done at your own risk.

In compliance with applicable federal and state laws, we shall notify you and any applicable regulatory agencies in the event that we learn of an information security breach with respect to your personal information. You will be notified via e-mail in the event of such a breach. Please be advised that notice may be delayed in order to address the needs of law enforcement, determine the scope of network damage, and to engage in remedial measures.

Modifications to this Privacy Policy

Elf Lending™ reserves the right to change or update this Privacy Policy at any time by posting a notice on the Site that we are changing our Privacy Policy. If the manner in which we use personally identifiable information changes, Elf Lending™ will notify users by: (a) sending the modified policy to our users via email; and/or (b) by any other reasonable means acceptable under applicable state and federal law. You will have a choice as to whether or not we use your information in this different manner, and we will only use your information in this different manner where you opt-in to such use.

Transfer of Personal Information Internationally

If you are visiting the Site from a country other than the country in which our servers are located, your communications with us may result in the transfer of information across international boundaries. By visiting the Site and/or otherwise communicating electronically with us, you consent to such transfers. Even if your jurisdiction does not have the same privacy laws as the jurisdiction where our servers are located, we will treat your information as subject to the protections described in this Privacy Policy.

Contact Us

If you have any questions about this Privacy Policy or the practices of Elf Lending™, please feel free to: (a) send email to: info@lenditude.com; or (b) send us U.S. Mail at: Account Services, Lenditude, 96 Linwood Plaza, #458, Fort Lee, NJ 07024.

Privacy Provisions for Covered Users

These Privacy Provisions for Covered Users ("Provisions") supplement, and do not limit in any way, the Privacy Policy set forth above. These Provisions apply solely to the Covered Users, who are residents of the States of California, Colorado, Connecticut, Delaware, Iowa, Montana, Nebraska, Nevada, New Hampshire, New Jersey, Oregon, Tennessee, Texas, Utah and Virginia, as well as businesses organized under the laws of the State of California. We adopt these Provisions in compliance with the CCPA, CPRA, CPA, CTDPA, DPDPA, IDPA, MCDPA, NDPA, NHDPA , NJPA, OCPA, VCDPA TIPA, TDPSA, UCPA and VCDPA (collectively, "Applicable State Laws"). Any terms defined in Applicable State Laws have the same meaning when used in these Provisions. Users with disabilities who wish to access this Privacy Notice in an alternative format can contact us by emailing us at: info@lenditude.com; or sending us U.S. Mail to: Lenditude, 96 Linwood Plaza, #458, Fort Lee, NJ 07024.

Categories of Information We Collect

We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular Covered User or device ("personal information"). In particular, we have collected the following categories of personal information from Covered Users within the last twelve (12) months:

Personal information does not include:

• Publicly available information from government records.
• De-identified or aggregated Covered User information.
• Information excluded from the scope of Applicable State Laws, such as:
• health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data; and
• personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act of 1994.

We obtain the categories of personal information listed above (including (a) your e-mail address; (b) your full name; (c) your telephone number; (d) your mailing address; (e) your date of birth; (f) the amount of the loan requested and loan purpose, as applicable; (g) your yearly income; (h) your credit score; (i) whether you rent or own a home; (j) your drivers' license number; (k) the state that issued your driver's license; (l) your primary source of income; (m) your time at your current job; (n) your employer's name; (o) your employer's telephone number; (p) your monthly income; (q) your pay frequency; (r) your pay dates; (s) whether you are an active member of the military; (t) your bank account number; (u) your bank routing number; (v) your bank name; (w) your time at your current bank; (x) your account type; (y) whether you have direct deposit; and (z) your Social Security Number) from the following categories of sources (with the specific categories of personal information indicated in parenthesis). Directly from our Users. For example, from online registration forms that our Users submit to us related to the products and/or services that we (and our third party service providers) offer by and through the Site. (Category A, B, C, I and L)

• Directly from our Covered Users. For example, from online registration forms that our Covered Users submit to us related to the products and/or services that we (and our third party service providers) offer by and through the Site. (Category A, B, C, I and L)
• Indirectly from our Covered Users. For example, through information we collect from our Covered Users in the course of providing our products and/or services to them. (Category A, B, C, F, I and L)
• Directly and indirectly from activity on the Site. This includes the type of browser that you use (e.g., Safari, Chrome, Internet Explorer), your IP address, the type of operating system that you use (e.g., Windows or iOS) and the domain name of your Internet Service Provider. In addition, we obtain certain Site usage details and analytics as same are collected automatically by us and our third party partners such as Jornaya and ActiveProspect, Inc. (including its TrustedForm service). (Category F)
• From third-parties that interact with us in connection with the products and/or services that we offer to our Covered Users. For example, third party entities that assist us in sending direct and electronic mail, removing duplicate information from Covered User lists, analyzing data and providing marketing analysis. (Category A, B, C, F and I)
• From third-party data brokers or aggregators. (Category A, B, C and F)

Retention of Personal Information and Sensitive Personal Information

We retain all categories of your personal information and sensitive personal information (including the information set forth in the "Personal Information Collection" section above) that we collect for the maximum period permitted by applicable law. We may also use certain criteria to determine whether and when to delete certain categories of collected personal and sensitive personal information including:

• Date of collection.
• Frequency of consumer interaction with us.
• Last interaction the consumer had with us.
• Whether the purpose of collection has been completed.

Use of Personal Information

We may use or disclose the personal information that we collect (including (a) your e-mail address; (b) your full name; (c) your telephone number; (d) your mailing address; (e) your date of birth; (f) the amount of the loan requested and loan purpose, as applicable; (g) your yearly income; (h) your credit score; (i) whether you rent or own a home; (j) your drivers' license number; (k) the state that issued your driver's license; (l) your primary source of income; (m) your time at your current job; (n) your employer's name; (o) your employer's telephone number; (p) your monthly income; (q) your pay frequency; (r) your pay dates; (s) whether you are an active member of the military; (t) your bank account number; (u) your bank routing number; (v) your bank name; (w) your time at your current bank; (x) your account type; (y) whether you have direct deposit; and (z) your Social Security Number) for one or more of the following business purposes (with the specific categories of personal information indicated in parenthesis):

• To fulfill or meet the reason for which the information is provided. For example, if you provide us with personal information in connection with your request for information regarding your eligibility for loan related products and/or services, as well as information regarding the other products and/or services featured on the Site, we will use that personal information to better provide you with the requested information. (Category A, B, C, I and L)
• To enable the third-party lending service providers featured on the Site to conduct credit checks in connection with your request for loan-related products and/or services from those service providers. (Category A, B, C, I and L)
• To provide you with information, products or services that you request from us. (Category A, B, C, F, I and L)
• To create, maintain, customize and secure your account with us. (Category A, B, C, F, I and L)
• To provide you with e-mail, direct mail and telemarketing messages concerning certain Elf Lending™ products and/or services, as well as third-party products and/or services, that we believe may be of interest to you. (Category A, B, C, F and I)
• To deliver relevant Site content and advertisements to you and measure or understand the effectiveness of the advertising we serve to you. (Category A, B, C, F and I)
• To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including the Site’s Terms and Conditions. (Category A, B, C, F, I and L)
• To improve the Site and better present its contents to you. (Category A, B, C, F, I and L)
• For customer service purposes and to respond to inquiries from you. (Category A, B, I and L)
• For testing, research, analysis and product development. (Category A, B, C, F and I)
• As necessary or appropriate to protect our rights, property or safety, and that of our clients or others. (Category A, B, C, F, I and L)
• To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations. (Category A, B, C, F, I and L I)
• As described to you when collecting your personal information or as otherwise set forth in Applicable State Laws. (Category A, B, C, F, I and L)
• To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which personal information held by us is among the assets transferred. (Category A, B, C, F, I and L)

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated or incompatible purposes without providing you with notice.

Sharing Personal Information

Subject to your right to opt-out of such sharing/sale, we may share, rent and/or sell your personal information (with the specific categories of personal information indicated in parenthesis): (a) with/to third party providers of the loan-related products and services featured on the Sites (Category A, B, C, F, I and L); (b) with/to third parties for marketing purposes, only where you expressly opt-in to such use (Category A, B, C, F and I) and (c) for the other business purposes set forth above (Category A, B, C, F, I and L, as applicable). 

When we disclose personal information to a third party service provider or other entity, we enter into a contractual relationship that describes the purpose for which such third party may use the personal information and requires that third party to both keep the personal information confidential and not use it for any purpose other than the performance of its services under the applicable contract. Please note, we do not collect information from Covered Users that we actually know are less than eighteen (18) years of age and we do not share or sell the personal information of Covered Users that we actually know are less than eighteen (18) years of age. Without limiting the foregoing, we have not shared or sold the personal information of Covered Users that we actually know are less than sixteen (16) years of age in the preceding twelve (12) months.

In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose:

Category A: Identifiers.
Category B: Personal information categories established by Applicable State Laws.
Category C: Protected classification characteristics under Applicable State Laws.
Category F: Internet or other similar network activities.
Category I: Professional or employment-related information. 
Category L: Sensitive Personal Information (disclosed solely as necessary in connection with facilitating your request for loan related products and/or services)

We disclose your personal information (including (a) your e-mail address; (b) your full name; (c) your telephone number; (d) your mailing address; (e) your date of birth; (f) the amount of the loan requested and loan purpose, as applicable; (g) your yearly income; (h) your credit score; (i) whether you rent or own a home; (j) your drivers' license number; (k) the state that issued your driver's license; (l) your primary source of income; (m) your time at your current job; (n) your employer's name; (o) your employer's telephone number; (p) your monthly income; (q) your pay frequency; (r) your pay dates; (s) whether you are an active member of the military; (t) your bank account number; (u) your bank routing number; (v) your bank name; (w) your time at your current bank; (x) your account type; (y) whether you have direct deposit; and (z) your Social Security Number) for a business purpose to the following categories of third parties (with the specific categories of personal information indicated in parenthesis):

• Our affiliates. (Category A, B, C, F and I)
• Service providers. (Category A, B, C, F, I and L)
• Third parties who provide the products and/or services featured on the Site. (Category A, B, C, F, I and L)
• Only where you expressly opt-in to such use, third parties who purchase and/or license your personal information (but not Sensitive Information) for marketing purposes, including: (a) providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation; (b) e-mail marketers; (c) telemarketers (where permitted by applicable law); and (d) direct marketers. If a third party purchaser of your personal information wants to resell it, that purchaser is required by law to provide you with explicit notice and an opportunity to opt-out of further sales. (Category A, B, C, F and I)
• Third parties to whom you authorize us to disclose your personal information in connection with the products and/or services that we provide to you. (Category A, B, C, F, I and L)

In the preceding twelve (12) months, we have sold the following categories of personal information to third parties:

Category A: Identifiers.
Category B: Personal information categories established by Applicable State Laws.
Category C: Protected classification characteristics under Applicable State Laws.
Category F: Internet or other similar network activities.
Category I: Professional or employment-related information.
Category L: Sensitive Personal Information (disclosed solely as necessary in connection with facilitating your request for loan related products and/or services)

In the preceding twelve (12) months, we have sold the above referenced categories of personal information to the third parties who purchase and/or license your personal information for marketing purposes as well as the third parties who provide the products and/or services featured on the Site.

Your Rights and Choices

Applicable State Laws provide Covered Users with specific rights regarding their personal information. This section describes certain data privacy rights provided under Applicable State Laws and explains how to exercise those rights.

Opt-Out from the Sale of Your Personal Information

You have the right to opt-out of our sale of your personal information to third parties. To exercise your right to opt-out of our sale of your personal information to third parties, please submit a verifiable Covered User request to us by either:

• Clicking here
• Emailing us at: info@lenditude.com; or
• Sending us U.S. Mail to: Lenditude, 96 Linwood Plaza, #458, Fort Lee, NJ 07024.

We endeavor to act on all opt-out requests as soon as practicable, but in all cases within fifteen (15) days of the receipt of your request.

Opt-Out from the Sharing of Your Personal Information

You have the right to opt-out of our sharing your personal information with third parties. To exercise your right to opt-out of our sharing your personal information with third parties, please submit a verifiable Covered User request to us by either:

• Clicking here
• Emailing us at: info@lenditude.com; or
• Sending us U.S. Mail to: Lenditude, 96 Linwood Plaza, #458, Fort Lee, NJ 07024.

We endeavor to act on all opt-out requests as soon as practicable, but in all cases within fifteen (15) business days of the receipt of your request. Subject to the aforementioned fifteen (15) business day period, where we receive and confirm your verifiable opt-out request, we will cease sharing your Personal Information with third parties.

Opt-Out from the Use and/or Sharing of Your Sensitive Personal Information

You have the right to limit our use of your sensitive personal information, including any sensitive information from Category B (Personal information categories established by Applicable State Laws), Category C (Protected classification characteristics under Applicable State Laws), Category I (Professional or employment-related information) and/or Category L (Sensitive Personal Information), to those uses which: (i) are necessary to perform the services or provide the goods requested by you; (ii) help us to ensure security and integrity of your personal information to the extent the use of your sensitive personal information is reasonably necessary and proportionate for these purposes; (iii) are short-term, transient uses including, but not limited to, non-personalized advertising shown as part of your then-current interaction with the Site, provided that your personal information is not disclosed to another third party and is not used to build a profile about you or otherwise alter your experience outside the then-current interaction with the Site; (iv) involve performing services on behalf of Elf Lending™, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing analytic services, providing storage, or providing similar services on behalf of Elf Lending™; and (v) include activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by, Elf Lending™, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by, Elf Lending™.

You also have the right opt-out of our sharing your sensitive personal information with third parties, including any sensitive information from Category B (Personal information categories established by Applicable State Laws), Category C (Protected classification characteristics under Applicable State Laws), Category I (Professional or employment-related information) and/or Category L (Sensitive Personal Information).

To exercise your right to limit our use of your sensitive personal information and/or opt-out of our sharing your sensitive personal information with third parties, please submit a verifiable Covered User request to us by either:

• Clicking here
• Emailing us at: info@lenditude.com; or
• Sending us U.S. Mail to: Lenditude, 96 Linwood Plaza, #458, Fort Lee, NJ 07024.

We endeavor to act on all such requests as soon as practicable, but in all cases within fifteen (15) business days of the receipt of your request. Subject to the aforementioned fifteen (15) business day period, where we receive and confirm your verifiable opt-out request, we will cease using your Sensitive Personal Information/sharing your Sensitive Personal Information with third parties (and direct our service providers and contractors to do the same).

Access to Specific Information and Data Portability Rights

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past twelve (12) months. Once we receive and confirm your verifiable Covered User request, we will disclose to you:

• The categories of personal information we collected about you.
• The categories of sources for the personal information we collected about you.
• Our business or commercial purpose for collecting or selling that personal information.
• The categories of third parties with whom we have shared that personal information.
• The specific pieces of personal information we collected about you (also called a data portability request).
• If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
• sales, identifying the personal information categories that each category of recipient purchased; and
• disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

Deletion Request Rights

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Subject to the time period allotted to comply with such requests, where we receive and confirm your verifiable User request, we will delete (and direct our service providers, contractors and third parties to whom we sold/shared your personal information, to delete) your personal information from our (their) records, unless an exception applies. 

We may deny your deletion request if retaining the information is necessary for us or our service providers, contractors or third parties to whom we sold/shared your personal information, to:

1. Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our obligations in connection with our contract with you.
2. Detect security incidents, protect against malicious, deceptive, fraudulent or illegal activity, or prosecute those responsible for such activities.
3. Debug products to identify and repair errors that impair existing intended functionality.
4. Exercise free speech rights, ensure the right of another Covered User to exercise her/his free speech rights or exercise another right provided for by law.
5. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).
6. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, and where previously provided informed consent.
7. Enable solely internal uses that are reasonably aligned with Covered User expectations based on your relationship with us.
8. Comply with a legal obligation.
9. Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Right to Request Correction of Inaccurate Personal or Sensitive Personal Information

You have the right to request correction of inaccurate personal and/or sensitive personal information that we collect. Upon receiving a verifiable consumer request for correction, we will make commercially reasonable efforts to correct information identified as inaccurate. Where we correct inaccurate personal and/or sensitive personal information, we shall instruct all service providers and/or contractors that maintain such personal and/or sensitive personal information in the course of providing services to us to make the necessary corrections in their respective systems.

Exercising Access, Data Portability, Right to Correct and Deletion Rights

To exercise your access, data portability, right to correct and/or deletion rights described above, please submit a verifiable Covered User request to us by either:

• Clicking here
• Emailing us at: info@lenditude.com; or
• Sending us U.S. Mail to: Lenditude, 96 Linwood Plaza, #458, Fort Lee, NJ 07024.

You may only make a verifiable User request for access or data portability twice within a 12-month period. The verifiable Covered User request must:

• Provide sufficient information that allows us to reasonably verify that you are: (1) the person about whom we collected personal information; or (2) an authorized representative.
• Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm that the personal information relates to you. Making a verifiable Covered User request does not require you to create an account with us. We will only use personal information provided in a verifiable Covered User request to verify the requestor's identity or authority to make the request.

Response Timing and Format

We endeavor to respond to all verifiable Covered User requests to exercise Access, Data Portability, Right to Correct and Deletion Rights within forty-five (45) days of the receipt thereof. If we require more time (up to an additional (45) days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the twelve (12) month period preceding the receipt of your verifiable request. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable Covered User request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Opt-Out Preference Signal Processing

Global Privacy Control ("GPC") is a setting you can enable in your web browser to communicate your privacy preference for not having certain information about your webpage visits collected across websites. For all the details, including how to turn on GPC, please visit: https://globalprivacycontrol.org/. Our websites that are associated with, and link to, this Privacy Policy (including the Site) recognize and respond to GPC signals.

Right to Opt-Out of Profiling

You have the right to opt-out from any Profiling that may be conducted by Elf Lending™. For purposes of these Provisions, "Profiling" means any form of automated processing performed on your personal data to evaluate, analyze or predict personal aspects related to you or your economic situation, health, personal preferences, interests, reliability, behavior, location or movements. You have the right to opt-out of our Profiling you. To exercise your right to opt-out of our Profiling you, please submit a verifiable Covered User request to us by either:

• Clicking Here
• Emailing us at: info@lenditude.com; or
• Sending us U.S. Mail to: Lenditude, 96 Linwood Plaza, #458, Fort Lee, NJ 07024.

We endeavor to act on all Profiling opt-out requests as soon as practicable, but in all cases within fifteen (15) days of the receipt of your request.

Right to Opt-Out of Targeted Advertising

You have the right to opt-out from Targeted Advertising conducted by Elf Lending™. For purposes of these Provisions, "Targeted Advertising" means displaying advertisements to you where the advertisements are selected based on personal data obtained from your activities over time and across nonaffiliated websites or online applications to predict your preferences or interests. You have the right to opt-out from Targeted Advertising. To exercise your right to opt-out of our Targeted Advertising, please submit a verifiable Covered User request to us by either:

• Clicking Here
• Emailing us at: info@lenditude.com; or
• Sending us U.S. Mail to: Lenditude, 96 Linwood Plaza, #458, Fort Lee, NJ 07024.

We endeavor to act on all Targeted Advertising opt-out requests as soon as practicable, but in all cases within fifteen (15) days of the receipt of your request.

Authorized Agents

Covered Users may permit an authorized agent to exercise any rights granted under Applicable State Laws as set forth above. In order to utilize an authorized agent, you must provide the authorized agent with written permission from you to act on your behalf for these purposes. When you use an authorized agent to submit a request to delete, request to correct or a request to know, we may require the authorized agent to provide proof that you gave the agent signed permission to submit the subject request. We may also require you to do either of the following: (a) verify your own identity directly with us; or (b) directly confirm with us that you provided the authorized agent permission to submit the request.

For California residents, only you or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable Covered User request related to your personal information.

Non-Discrimination

We will not discriminate against you for exercising any of your rights granted under Applicable State Laws. Unless permitted by the Applicable State Laws, we will not:

• Deny you goods or services;
• Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties;

• Retaliate against any employee, job applicant or independent contractor;

• Provide you a different level or quality of goods or services; and/or
• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Changes to these Provisions

We reserve the right to amend these Provisions in our discretion and at any time. When we make changes to these Provisions, we will notify you by email or through a notice on the Site’s homepage.

Contact Information

If you have any questions or comments about these Provisions, our Privacy Policy, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under Applicable State Laws, please do not hesitate to contact us by either:

• Emailing us at: info@lenditude.com; or
• Sending us U.S. Mail to: Lenditude, 96 Linwood Plaza, #458, Fort Lee, NJ 07024.