Introduction
Sezzle Pay Later ("we," "our," or "us") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at sezzlepaylater.com and use our personal loan services.
We understand that privacy is important to you, and we take our responsibility to protect your information seriously. By accessing or using our services, you agree to this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access our website or use our services.
Information We Collect
We collect information that you provide directly to us when you apply for a loan, create an account, or contact us for support. This includes personal identification information, financial information, and employment details necessary for evaluating your loan application.
Personal Identification Information
When you apply for a loan, we collect your full legal name, date of birth, Social Security number, home address, email address, and phone number. This information is essential for verifying your identity, assessing your creditworthiness, and complying with federal and state regulations regarding lending practices.
Financial Information
To evaluate your loan application, we collect financial information including your annual income, employment status, employer name and address, bank account information, and existing debt obligations. We may also obtain credit reports from major credit bureaus to assess your creditworthiness and determine appropriate loan terms.
Automatically Collected Information
When you visit our website, we automatically collect certain information about your device and browsing activities. This includes your IP address, browser type, operating system, referring URLs, pages visited, time spent on pages, and other usage statistics. We use cookies and similar tracking technologies to collect this information.
How We Use Your Information
We use the information we collect for various purposes related to providing and improving our services. Understanding how we use your data helps you make informed decisions about sharing information with us.
Loan Processing and Servicing
We use your personal and financial information to process your loan application, verify your identity, assess your creditworthiness, determine loan terms, fund approved loans, and service your account throughout the life of the loan. This includes sending payment reminders, processing payments, and managing your loan account.
Communication
We use your contact information to communicate with you about your loan application, account status, payment reminders, and important updates about our services. We may also send you promotional communications about products and services that may interest you, though you can opt out of marketing communications at any time.
Legal Compliance
We use your information to comply with applicable laws, regulations, and legal processes. This includes reporting to credit bureaus, responding to legal requests, and fulfilling our regulatory obligations as a financial services provider.
Analytics and Improvement
We use aggregated and anonymized data to analyze trends, improve our website and services, develop new features, and better understand how our customers use our platform. This helps us provide a better experience for all users.
How We Share Your Information
We do not sell your personal information to third parties. However, we may share your information in certain circumstances as described below.
Lending Partners
We work with lending partners who may fund your loan. When you apply for a loan, we share your application information with these partners so they can evaluate your request and provide loan offers. Our lending partners have their own privacy policies governing their use of your information.
Service Providers
We engage third-party service providers to perform functions on our behalf, such as identity verification, credit reporting, payment processing, and customer support. These providers have access to your information only to perform specific tasks and are obligated to protect your information.
Legal Requirements
We may disclose your information if required by law, court order, or government regulation. We may also disclose information when we believe disclosure is necessary to protect our rights, prevent fraud, or ensure the safety of our users.
Business Transfers
If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change and any choices you may have regarding your information.
Data Security
We implement industry-standard security measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction. Our security practices include encryption, secure servers, access controls, and regular security assessments.
All data transmitted between your browser and our servers is encrypted using 256-bit SSL technology. We store sensitive information using encryption and access it only through secure, authenticated systems. Our employees receive regular training on data security and privacy practices.
While we take extensive measures to protect your information, no method of transmission over the Internet or electronic storage is completely secure. We cannot guarantee absolute security, but we are committed to implementing and maintaining appropriate safeguards.
Your Rights and Choices
You have certain rights regarding your personal information, and we want to make it easy for you to exercise them.
Access and Correction
You have the right to access the personal information we hold about you and to request corrections if any information is inaccurate or incomplete. You can update certain account information directly through your account settings or by contacting us.
Data Deletion
You may request that we delete your personal information, subject to certain exceptions. We may retain information as required by law, for legitimate business purposes, or to protect our legal rights. Note that if you have an active loan, we must retain certain information for the duration of the loan and for a period thereafter as required by law.
Marketing Communications
You can opt out of receiving promotional emails by clicking the unsubscribe link in any marketing email or by contacting us. Even if you opt out of marketing communications, we will still send you transactional messages related to your account and loan.
Cookies
Most browsers allow you to control cookies through their settings. You can set your browser to refuse cookies or alert you when cookies are being sent. However, disabling cookies may limit your ability to use certain features of our website.
California Privacy Rights
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA). This includes the right to know what personal information we collect, the right to delete your information, the right to opt out of the sale of your information (though we do not sell personal information), and the right not to be discriminated against for exercising your privacy rights.
To exercise your California privacy rights, please contact us using the information provided below. We will respond to your request within the timeframes required by law.
Children's Privacy
Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If we become aware that we have collected information from a child under 18, we will take steps to delete that information promptly.
Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. We encourage you to review this Privacy Policy periodically.
Contact Us
If you have questions about this Privacy Policy or our privacy practices, please contact us at:
Sezzle Pay Later
4521 Commerce Boulevard, Suite 200
Austin, TX 78701
Email: [email protected]
Phone: 1-555-892-4567
We take your privacy concerns seriously and will respond to your inquiries within a reasonable timeframe.