Effective Date: October 22, 2024
Introduction
This Privacy Policy (“Policy”) applies to your use of the Allstar California website (“Website”) and our online loan application services (“Services”). Allstar California (“we,” “us,” or “our”) is committed to protecting the privacy of our California residents (“you” or “your”).
This Policy describes the types of personal information we collect, use, and disclose about you; your rights regarding your personal information under the California Consumer Privacy Act of 2018 (CCPA) and the California Privacy Rights Act of 2020 (CPRA) (collectively, “California Privacy Laws”); and how we safeguard your information.
Information We Collect
We collect several categories of personal information when you visit our Website or apply for a loan through our Services. These categories may include:
- Identifiers: Name, Social Security number, driver’s license number, passport number, or other government-issued IDs.
- Personal Information: Contact information (address, phone number, email address), date of birth, marital status.
- Financial Information: Income, bank account information, employment information.
- Internet or Electronic Information: IP address, browsing history, device information, application activity logs.
- Inferences: We may infer certain information about you based on the data we collect, such as your creditworthiness or financial situation.
How We Collect Information
We collect information directly from you when you submit a loan application, create an account, contact us, or interact with our Website. We may also collect information from third-party sources, such as credit reporting agencies or fraud prevention services, with your consent.
How We Use Your Information
We use your personal information to:
- Process your loan application and determine your eligibility.
- Verify your identity and prevent fraud.
- Service your loan account and communicate with you.
- Improve our Services and Website.
- Comply with legal and regulatory requirements.
We will not sell your personal information without your consent. We may share your information with service providers and third parties who assist us with operating our business.
Your California Privacy Rights
Under the California Privacy Laws, you have certain rights regarding your personal information. These rights include:
- Right to Know: You have the right to request information about the categories and specific pieces of personal information we have collected about you, where it is from, how it is used, and who it is shared with.
- Right to Delete: You have the right to request that we delete your personal information, subject to certain exceptions.
- Right to Opt-Out of Sale: You have the right to opt-out of the sale of your personal information. We do not currently sell your personal information.
Verification Process
We will take steps to verify your identity before processing any Request. This may involve requiring you to provide additional information to confirm you are the person making the Request.
Response Time
We will respond to your Request within 45 days of receipt. We may extend this period for an additional 45 days upon providing you with written notice and justification for the extension.
Non-Discrimination
We will not discriminate against you for exercising your California Privacy Rights.
Changes to This Policy
We may update this Policy from time to time. We will post the updated Policy on the Website and indicate the date of the revision.
Contact Us
If you have any questions about this Policy or your California Privacy Rights, please contact us at Email: [email protected]