SeedFi and its banking partners are committed to protecting the privacy of your personal information. Please read the applicable Federal Privacy Notices and SeedFi’s Privacy Policy before using our website, www.seedfi.com, any of its sub-domains, or our mobile applications (collectively, “Site”).
SeedFi’s Federal Privacy Notice applies to applicants for, and borrowers of loans, lines of credit, or other products offered by SeedFi or its banking partners through SeedFi. In addition, Cross River Bank’s Federal Privacy Notice and Privacy Policy applies to applicants for, and recipients of, loans, lines of credit, or savings accounts offered by Cross River Bank through SeedFi.
The Privacy Policy below applies to anyone who visits our Site or applies for or receives any product through SeedFi. It outlines how we collect, use, and protect personal information.
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and income
- account balances and payment history
- credit history and credit scores
When you are no longer our customer, we continue to share your information as described in this notice.
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons SeedFi chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information | Does SeedFi share? | Can you limit this sharing? |
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For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
For our marketing purposes— to offer our products and services to you | Yes | No |
For joint marketing with other financial companies | Yes | No |
For our affiliates’ everyday business purposes— information about your transactions and experiences | Yes | No |
For our affiliates’ everyday business purposes— information about your creditworthiness | No | We don't share |
For our affiliates to market to you | No | We don't share |
For nonaffiliates to market to you | No | We don't share |
To limit our sharing | Call 1 (888) 858-8248 Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. |
Questions? | Call 1 (888) 858-8248 |
Who we are | |
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Who is providing this notice? | SeedFi |
What we do | |
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How does SeedFi protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. |
How does SeedFi collect my personal information? | We collect your personal information, for example, when you
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. |
Why can’t I limit all sharing? | Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. |
Definitions | |
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Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies.
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Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
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Joint Marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
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Other important information |
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For questions or complaints about your loan or line of credit, contact SeedFi at 1 (888) 858-8248 or SeedFi Attn: Compliance Department 548 Market St., PMB 33447, San Francisco, CA 94104. California Residents: We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us. Texas Residents: SeedFi is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting the lender, consumers can contact the OCCC to file a complaint or ask a general credit-related question. OCCC address: 2601 N. Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579. Fax: (512) 936-7610. Website: occc.texas.gov. E-mail: consumer.complaints@occc.texas.gov |
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and Account balances
- Payment history and Transaction history
- Account transactions and Wire transfer instructions
When you are no longer our customer, we continue to share your information as described in this notice.
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Cross River Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information | Does Cross River Bank share? | Can you limit this sharing? |
---|---|---|
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
For our marketing purposes— to offer our products and services to you | Yes | No |
For joint marketing with other financial companies | Yes | No |
For our affiliates’ everyday business purposes— information about your transactions and experiences | No | We don't share |
For our affiliates’ everyday business purposes—information about your creditworthiness | No | We don't share |
For nonaffiliates to market to you | No | We don't share |
Call toll-free 1-877-55CRB55 or go to www.crossriver.com
What we do | |
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How does Cross River Bank protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We authorize our employees to get your information only when they need it to do their work, and we require companies that work for us to protect your information. |
How does Cross River Bank collect my personal information? | We collect your personal information, for example, when you
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. |
Why can’t I limit all sharing? | Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. |
Definitions | |
---|---|
Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies.
|
Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|
Joint Marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
|
Other important information |
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For Alaska, Illinois, Maryland and North Dakota Customers: We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization. For California Customers: We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us. For Massachusetts, Mississippi and New Jersey Customers: We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing without your authorization. For Vermont Customers: We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found at www.crossriver.com or call 1-877-55C-RB55. |
This Privacy Policy describes the ways SeedFi collects, uses, shares, and protects your personal information with respect to your use of our Site. When sites are posted by SeedFi, the site will link to this Privacy Policy, and this Privacy Policy applies. When sites are posted by third parties, the Privacy Policy of the third party applies, and this Privacy Policy does not apply.
Our Site may contain links to other websites. This Privacy Policy applies only to information collected on our Site and does not govern the information practices or the content of other websites. We encourage you to review the Privacy Policies of other websites to understand their information practices.
By accessing our Site, using SeedFi’s products and services, or creating an account on our Site, you acknowledge that you have read, understood, and agree to our Privacy Policy. By using our Site, you accept our Privacy Policy, and you consent to our collection, storage, use, and disclosure of your personal information as described in this Privacy Policy. In addition, by using our services, or services across partnered and unaffiliated sites, you are accepting the policies and practices described in this Privacy Policy and such other sites. Each time you visit our website, and any time you voluntarily provide us with information, you agree that you are consenting to our collection, use, and disclosure of the information that you provide.
SeedFi may collect your personal information if you decide to apply for a loan or line of credit on our website or mobile application. The information includes the following:
Providing your personal information is entirely optional.
We collect information about you using the following means:
We use the information we collect about you for the following purposes:
- provide you with access to the products offered through the Site;
- evaluate your creditworthiness, if applicable;
- improve our insights about customer behavior and preferences so we can tailor our content and advertising;
- provide notices and other information to you about, or in connection with, SeedFi’s products;
- provide customer support;
- detect security incidents; protect against malicious, deceptive, fraudulent, or illegal activity; fulfill legal requirements; and enforce our agreements;
- identify and repair errors that impair existing intended functionality;
- provide, maintain, develop, and improve our services, your experience, and to protect SeedFi and its users; and
- improve your experience accessing the Site by recognizing you as a customer and remembering information you previously provided so that you will not have to re-enter it.
All financial companies must share customers’ personal information for everyday business purposes. Subject to any applicable legal exemptions, we may share your personal information with the following parties:
If you select a loan offer and sign a credit agreement, your loans may automatically be allocated to investors. 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.
SeedFi does not sell or rent any of your personal information to third parties.
We do not process or respond to “do not track” signals or other similar mechanisms.
If you elect to use Plaid Technologies, Inc. (“Plaid”), you acknowledge and agree that Plaid will collect and use personal information from financial institutions in accordance with Plaid’s privacy policy.
If you elect to use Argyle Systems Inc. (“Argyle”), you acknowledge and agree that Argyle will collect and use personal information from third-party workforce platforms in accordance with Argyle’s privacy policy.
We are committed to protecting the confidentiality of your information and online transactions. We maintain physical, electronic, and procedural safeguards designed to protect your personal information. We have security procedures in place to safeguard against loss, theft, unauthorized access, destruction, misuse, and modification of this information after we receive it. For example, we restrict access to the information to our employees, agents, and contractors that need to know it to provide products or services to you. We follow generally accepted standards designed to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, we cannot guarantee its absolute security. If you have any questions about security on our website, you can contact us at help@seedfi.com
We use Google AdSense to display advertising on our website and to manage our advertising on other sites. Our ad network partner uses cookies and web beacons to collect non-personally identifiable information about your activities on this and other websites to provide you targeted advertising based upon your interests. If you wish to not have this information used for the purpose of serving you targeted ads, you may opt out by clicking here. Please note, this does not opt you out of being served advertising. You will continue to receive generic ads.
Our products are intended for use by individuals who are at least 18 years old. You represent and warrant you are at least 18 years of age and that you possess the legal right and ability to use this site. If you are under the age of 18, you should not use our Site.
We do not knowingly collect or retain personal information from 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 help@seedfi.com.
With your consent, we may post your testimonial along with your name. If you want your testimonial removed, please contact us at help@seedfi.com.
If you reside outside the United States, you understand and agree that any information you provide to us will be transferred from the country of your residence or location at the time it was provided to the United States. If you do not want your personally identifiable information to be transferred to the United States, do not provide that information to us. By providing us with your information, you consent to the transfer of your information to the United States.
We reserve the right to change this Privacy Policy at any time. If we make changes to this Privacy Policy, we will update the “Effective Date” at the bottom of this page. Your continued use of the Site after any changes are posted will be deemed to constitute your agreement to and acceptance of such changes to this Privacy Policy. You should periodically check the Site and this Privacy Policy for updates.
Questions regarding this Privacy Policy or our information practices should be directed to SeedFi at help@seedfi.com
If you are a California resident, the California Consumer Privacy Act of 2018 (the “CCPA”) requires us to provide you with certain notices prior to our collection and use of your personal information.
This notice for California residents under the CCPA supplements the information provided in the rest of this Privacy Policy, which also applies to you. Any terms defined in the CCPA have the same meaning when we use them here.
We may collect personal information about prospective, current, and former SeedFi customers. In addition, we may have collected the following categories of personal information from consumers in the last twelve (12) months:
SeedFi does not “sell” any personal information we collect. We share personal information with the categories of third parties described in the “What Information We Share” section above
Subject to certain exemptions, California residents have the right to request to know details about the categories and specific personal information we collect, to delete their personal information, to opt out of “sale” of personal information that may be occurring, and to be free from unlawful discrimination for exercising these rights under the CCPA.
Financial regulations, including the Fair Credit Reporting Act (“FRCA”) and the Gramm-Leach-Bliley Act (“GLBA”), may prevent us from disclosing or deleting certain information that may be requested by California residents.
If you are a California resident, you may make a request to exercise your rights under the CCPA by either of the following methods:
Before responding to a request, we will request information from you, which at a minimum will include your full name, date of birth, and email address, and any additional information to verify your identity. Under the CCPA, you may have an authorized agent submit a request on your behalf, and we will collect certain authorization and verification information from you and your authorized agent.