Zendable Online Privacy Policy

Effective Date: May 21, 2024

Your privacy is important to us. Zendable, Inc. and its affiliates (collectively, “Zendable” , or “we” ) provide this Online Privacy Policy to explain how we collect, use, share and protect your personal information in connection with the online services offered at www.zable.com and any of its subdomains, and any other online services offered by us in the United States (the “online services” ). This includes the products and services offered via the online services by Zendable, as well as when you interact with us on social media sites and apps, through e-mails or advertisements displayed through online services operated by us or nonaffiliated third parties.

By accessing our online services, you signify that you have read, understood and agree to our collection, storage, use and disclosure of your personal information as described in this Privacy Policy.

If you have a financial product or service with us, we will use and share any information that we collect from or about you in accordance with our U.S. Consumer Privacy Notice, which offers you certain choices with respect to the use and sharing of your personal information. If you are a California resident, you may have rights under the California Consumer Privacy Act, and should review our California Privacy Notice to learn more about your rights. Our social media sites or pages may have additional terms from this Policy about the privacy of your information. Please review the privacy policy for the specific online service you are using for more information.

Since we may change the Zendable Online Privacy Policy, the U.S. Consumer Privacy Notice, or the California Privacy Notice, we recommend that you check the current version available from time to time. If we make changes to any of these, we will update the “Effective Date” at the top of the page.

Information We Collect and How We Collect It

When you visit or use our online services, we may collect personal information from or about you. Personal information is generally information that identifies you or that could be used to identify you.

Personal Information. We collect certain information directly from you when you use our online services, such as when you fill out forms or fields to request a loan offer, or apply for a loan or credit card, or when you seek consumer support. During these interactions, you voluntarily provide us with the following types of personal information so that we can provide our services:

Your name, address, phone number, email, date of birth, social security number and documents or other media that verifies your identity such as your driver’s license, and passport;
Your credit history, credit scores and other information provided by consumer reporting agencies;
Information about your account and your payment history;
Information we receive from third party data partners for verification purposes including to verify your identity and manage risk;
Your bank information such as your bank name, your account numbers, bank account credentials, and transaction information, assets and certain expenses;
Information about your employer, current income, tax returns, W-2, and pay stubs, including with respect to your current employment, employment offers.

Usage Information. When you visit our online services, we may automatically collect certain information about your use of our online services, such as:

Information about your computer, mobile phone or other access device and anonymous information about your web request, Internet Protocol (“IP”) address, browser type, referring / exit pages and URLs, number of clicks and how you interact with links on the online services, domain names, landing pages, pages viewed, your use of third-party applications, and other information that assists us in analyzing and improving the online services.
We may collect your location using a cellular network location, Wi-Fi networks, browser services, mobile location services if turned on, or other information you provide.
In addition, we may later associate the usage and other information we collect online with personal information about you.

Additional Sources of Information. We may also collect information about you from additional online and offline third party sources including from co-branded partner sites or commercially available sources, such as credit reporting agencies, with whom you engage. These third-party sources may pass certain information about you and your use of their service to us. This information could include any information that you have permitted the third party to share with us, and any information you have made public in connection with that service. You should always review and, if necessary, adjust your privacy settings on third-party websites and services. We may combine this information with the personal and other information we have collected about you under this Privacy Policy.

Why We Collect Information

We use the online information we collect from or about you to:

provide you with access to the products and services offered;
provide notices and other information to you about, or in connection with, these products and services, and update you about new features and benefits;
verify your identity;
manage your preferences;
provide customer support, response to your requests and communicate with you;
use the location of your mobile device for location-based services that you may request;
detect security incidents, protect against malicious, deceptive, fraudulent or illegal activity, fulfill legal requirements and enforce our agreements;
debug to identify and repair errors that impair existing intended functionality;
provide, maintain, develop and improve our services, your experience, and to protect Zendable and its users;
improve your experience accessing the products and services offered through the Site by recognizing you as a customer and remembering information you previously provided so that you will not have to re-enter it;
improve our insights so we can tailor our content and advertising, and provide you with offer recommendations and/or insights that are most relevant to you;
comply with and enforce applicable legal requirements, relevant industry standards, contractual obligations and our policies; and
for any other purposes that we may specifically disclose at the time you provide or we collect your information.

We may also use data that we collect on an aggregate or anonymous basis (such that it does not identify any individual customers) for various business purposes, where permissible under applicable laws and regulations.

Disclosure of Information

All financial companies need to share customers’ personal information to run their everyday business. Subject to any applicable legal exemptions including the Gramm-Leach Bliley Act, and/or the California Consumer Privacy Act, we may share your personal information, including non-public personal information with:

Service providers who help with parts of our business operations such as fraud prevention, servicing, bill collection, debt collection, marketing and technology services, and product development;
Credit reporting agencies to report account information, at your direction and otherwise as permitted by law;
Debt collection companies that purchase your loan from a Creditor if it has been charged off;
Zendable affiliated websites and businesses in an effort to bring you improved service across our family of products and services, when permissible under relevant laws and regulations;
Other companies to bring you co-branded services, products or programs;
Companies that we plan to merge with or be acquired by, or companies we plan to sell, divest or transfer all or a portion of our products and/or services to, including any back-up service provider or back-up administrator we, or any Creditor engage in the event we stop operating; and
Other third parties to comply with legal requirements such as the demands of applicable subpoenas and court orders; to verify or enforce our terms of use, our other rights, or other applicable policies; to address fraud, security or technical issues; to respond to an emergency; or otherwise to protect the rights, property or security of our customers or third parties.

Where appropriate, we will limit sharing of your information in accordance with the choices you have provided us in response to our U.S. Consumer Privacy Notice.

We do not “sell” the personal information we collect (and will not sell it in the future without providing a right to opt out). We do allow third parties to collect personal information through our services and share personal information with third parties for the business purposes described above, including without limitation advertising and marketing on our services and elsewhere based on users’ online activities over time and across different sites, services, and devices.

If you select a loan offer and/or a credit card offer from one of our partner banks, when you sign your promissory note your loans may be automatically allocated as follows:

We may purchase your loan from our partner banks.
Investors may purchase your loan directly from us. We provide information about you included in your application, including personally identifiable, financial, and credit information, and your loan terms to these investors and their agents and trustees in advance of their purchase of your loan.
As the servicer of your loan we will also share information we obtain in servicing your loan, including about your repayments, to investors, who become the Creditor of your loan, any subsequent purchaser of your loan, and each of their agents or trustees.

Zendable will not sell or rent any of your personal information to third parties and only shares your personal information with third parties as described above. We may share deidentified or aggregated information with third parties to help deliver products, services, and content that are better tailored to the users of our online services and for other purposes. Information that has been deidentified so that it does not identify a specific user is not considered personal information.

Cookies and Other Tracking Technologies

We, or our service providers, and other companies we work with may deploy and use cookies, and other tracking technologies for various purposes, such as fraud prevention and monitoring our advertising and marketing campaign performance. Some of these tracking tools may detect characteristics or settings of the specific device you use to access our online services. Cookies” are small amounts of data a website can send to a visitor’s web browser. They are often stored on the device you are using to help track your areas of interest. Cookies may also enable us or our service providers and other companies we work with to relate your use of our online services over time to customize your experience.

We use common tracking technologies for a variety of reasons such as: (a) to recognize new or past customers; (b) to store your password if you are registered on our online services; (c) to improve our online services; (d) to observe your behaviors and browsing activities over time across multiple websites or other platforms; and (e) to better understand the interests of our customers and our online services visitors.

Most web browsers allow you to adjust your browser settings to decline or delete cookies, but doing so may degrade your experience with our online services. Certain browsers can be set to clear past and reject future tracking tools. If you block tracking tools on your browser, certain features of our Online Services may not work. Additionally, if you block or delete tracking tools, not all of the tracking activities we have described here will stop. Choices you make are both browser and device-specific.

Security

We care about the security of your information and take reasonable measures designed to protect your personal information from unauthorized access and use by maintaining physical, electronic and procedural safeguards in compliance with applicable law. We also take appropriate measures so that personal information can be kept accurate, and up-to-date, which will be in accordance with the applicable security requirements.

Zendable protects your Social Security number, prohibits the unlawful disclosure of Social Security numbers; and limits access to Social Security numbers to employees or others with legitimate business purposes or as described in our Terms. These protections apply to all Social Security numbers collected or retained in any way by Zendable in connection with customer, commercial, or all other relationships. Individuals applying for or obtaining a product or service from us to be used primarily for personal, family or household purposes may obtain more information by reviewing the U.S. Consumer Privacy Notice or California Privacy Notice, as applicable.

You are responsible for controlling access to your account and email communications from us at all times. We also encourage you to keep your password confidential and not have any written or other record of the password that can be accessible by an intruder or third party. We cannot ensure or warrant the security of any information you transmit to us or guarantee that information may not be accessed, disclosed, altered or destroyed.

In the event that any information under our control is compromised as a result of a breach of security, we will take reasonable steps to investigate the situation and where appropriate, notify via email, mail, or telephone those individuals whose information may have been compromised and take other steps, in accordance with any applicable laws and regulations.

Retention

We retain your personal information for only as long as necessary to fulfil the purposes outlined in this Privacy Policy, including for the purposes of satisfying any legal, accounting, or reporting requirements, unless a longer retention period is required or permitted by law. To determine the appropriate retention period for personal information, we consider the amount, nature, and sensitivity of the information, the potential risk of harm from unauthorized use or disclosure of the information, the purposes for which we obtained the information and whether we can achieve those purposes through other means, as well as applicable legal requirements.

Third Party Websites

Zendable may provide links to websites that are owned or operated by other companies ("third-party websites"). When you use a link online to visit a third-party website, you will be subject to that website’s privacy and security practices, which may differ from ours. You should familiarize yourself with the privacy policy, terms of use and security practices of the linked third-party website before providing any information on that website. We are not responsible for the practices employed by any third party website linked to or from our online services

Your Choices

Access and Correction. We rely on you to update and correct your personal information. Most of our online services allow you to modify or delete your account profile. If our online services do not permit you to update or correct certain information, you can contact us at the address described below in order to request that your information be modified. You may ask us to correct information that is inaccurate or incomplete. Note that we may keep historical information in our backup files as permitted by law.

You can review and edit some of your personal information at any time by calling us at 1-844-779-2253 business days that are Monday through Friday 9:00 am EST to 4:00 pm EST. Consumers may make a rights request by emailing us at support@zable.com.
Choice for Marketing Materials. If you do not want to receive marketing and sales materials from Zendable by direct mail, telephone or email, please follow the “unsubscribe” instructions provided in those communications or submit a written request to the address listed in the Contact Us section below. We will comply with your request within a reasonable period of time after receiving it or within the time period required by local law.
Other Legal Rights. Subject to the law applicable to our collection of your personal information, you may other have certain rights such as requesting information related to the anonymization, sharing, portability, or deletion of your personal information and individual review of processing decisions. Contact us in writing with requests to exercise such rights at the address listed in the Contract Us section below and we will honor such rights in accordance with applicable law. Note that, as required by law, we will require you to prove your identity. We may verify your identity by phone call or email. Depending on your request, we will ask for information such as your name, email address, or details about your last interaction with us. We may also ask you to provide a signed declaration confirming your identity.

California residents covered by the California Consumer Privacy Act may have additional rights. Please see our California Privacy Notice for more information.

Children

We do not knowingly collect or solicit any information from anyone under the age of 13 or knowingly allow such persons to register as users. Our online services are not directed at children under the age of 13. If we learn that we have collected personal information from a child under age 13, we will delete that information promptly. If you believe that we might have any information from a child under 13, please contact us at privacy@zable.com.

Contact Us

If you have questions or concerns regarding this policy, you should contact us by emailing us at privacy@zable.com, by calling us at 1-844-779-2253 during our operating hours 9:00 AM EST to 4:00 PM EST for credit cards or 9:00 AM EST to 5:30 PM EST for loans, Monday through Friday, or by writing to us via regular mail at Zendable, 413 West 14th Street, Spaces Suite 208, New York, NY 10014.