Federal Privacy Notices and
SeedFi’s Website Privacy Policy
SeedFi’s Website Privacy Policy
SeedFi and its partners are committed to protecting the privacy of your personal information. Please read the applicable Federal Privacy Notices and SeedFi’s Website Privacy Policy before using our website.
SeedFi’s Federal Privacy Notice applies to applicants for and borrowers of loans or other products offered by SeedFi or its banking partners through SeedFi. In addition, Cross River Bank’s Federal Privacy Notice applies to applicants for and recipients of loans or savings accounts offered by Cross River Bank through SeedFi.
The Website 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.
Federal Privacy Notice
SeedFi Federal Privacy Notice
Rev. February 2021
Facts
Why?
How?
What?
WHAT DOES SEEDFI DO WITH YOUR 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.
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.
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.
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
For our marketing purposes—to offer our products and services to you
For joint marketing with other financial companies
For our affiliates’ everyday business purposes— information about your transactions and experiences
For our affiliates’ everyday business purposes— information about your creditworthiness
For our affiliates to market to you
For nonaffiliates to market to you
Yes
Yes
Yes
Yes
Yes
Yes
No
No
No
No
No
Yes
Yes
To limit our sharing
Questions?
Call 1 (888) 858-8248 – our menu will prompt you through your choice(s)
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.
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.
Who we are
What we do
Who is providing this notice?
How does SeedFi protect my personal information?
How does SeedFi collect my personal information?
Why can’t I limit all sharing?
SeedFi
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 collect your personal information, for example, when you
•
apply for a loan or give us your income information
•
pay your bills or provide employment information
•
give us your contact information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Definitions
Other important information
Affiliates
Nonaffiliates
Joint Marketing
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Our affiliates include companies with a “Seed” or “Seed Financial” name
SeedFi does not share with nonaffiliates so they can market to you
Our joint marketing partners include banks and other financial services providers
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•
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For questions or complaints about this loan, 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
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
Cross River Bank Privacy Notice
Rev. November 2018
Facts
Why?
How?
What?
WHAT DOES CROSS RIVER BANK DO WITH YOUR 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.
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.
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.
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.
•
•
•
Can you limit this sharing?
For our everyday business purposes—such as to process your transactions, maintain your accounts), respond to court orders and legal investigations, or report to credit bureaus
For our marketing purposes—to offer our products and services to you
Yes
Yes
No
No
For joint marketing with other financial companies
For our affiliates’ everyday business purposes— information about your transactions and experiences
For our affiliates’ everyday business purposes— information about your creditworthiness
For nonaffiliates to market to you
Yes
No
No
No
No
We don’t share
We don’t share
We don’t share
Questions?
Call toll-free 1-877-55CRB55 or go to www.crossriver.com
What we do
How does Cross River Bank protect my personal information?
How does Cross River Bank collect 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 also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
Why can’t I limit all sharing?
Definitions
Affiliates
Nonaffiliates
Joint Marketing
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Cross River Bank does not share with our affiliates
Nonaffiliates we share with can include loan finance companies
Our joint marketing partner(s) include loan finance companies
•
•
•
Other important information
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 1-877-55CRB55.
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 1-877-55CRB55.
SeedFi’s Website Privacy Policy
This Privacy Policy covers the information practices of www.seedfi.com, including its subdomains, SeedFi’s iOS application, any other SeedFi mobile application, related services and tools. 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.
1. Websites Covered
Our website, www.seedfi.com, may contain links to other websites. This Privacy Policy applies only to information collected here 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.
SeedFi may collect your personal information if you decide to apply for a loan on our website. You will be asked to provide name, address, phone number, email address, and other similar personally identifiable information (“PII”). We may use your contact information to send you communication while we process your credit application. We may also use it to communicate to you about other products and services that we offer.
Providing your personal information is entirely optional.
We do not disclose any of your PII to anyone, except as permitted or required by law. For example, your PII may be used or shared to comply with any law, regulation, audit or court order. We also share PII with our service providers to conduct analytics or to look for ways to improve your customer experience. We never sell your information. In the event that our business or substantially all of the assets of the business are acquired, PII may be one of the things we are required to transfer to the acquiring business.
Providing your personal information is entirely optional.
We do not disclose any of your PII to anyone, except as permitted or required by law. For example, your PII may be used or shared to comply with any law, regulation, audit or court order. We also share PII with our service providers to conduct analytics or to look for ways to improve your customer experience. We never sell your information. In the event that our business or substantially all of the assets of the business are acquired, PII may be one of the things we are required to transfer to the acquiring business.
2. Collection and Use of Personal Information
SeedFi uses commonly used information-gathering tools, such as cookies, to collect information as users navigate www.seedfi.com (“Website Navigational Information”). This section describes the types of Website Navigational Information we may collect and how we may use it.
3. Website Navigational Information
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•
SeedFi uses tracking pixels alone or in conjunction with cookies to compile information about your usage of our website. Pixels recognize certain types of information on your computer, such as cookies, when you view a website tied to the pixel, and a description of a website tied to the pixel. For example, we may place pixels in marketing e-mails that notify us when you click on a link in the e-mail that directs you to our website. We use pixels to operate and improve our websites and e-mail communications. We may use information from pixels in combination with data about you to provide you with information about our products.
Tracking Pixels
When you visit www.seedfi.com or use any SeedFi mobile application, we collect your Internet Protocol (“IP”) addresses to track and aggregate non-personally identifiable information. For example, we use IP addresses to monitor the regions in which you are located.
IP Addresses
From time-to-time, we engage third parties to track and analyze non-personally identifiable usage and statistical information from individuals who visit us. We may also use other third-party cookies to track the performance of our advertisements. The information provided to third parties does not include PII, but it may be re-associated with PII after we receive it. This Privacy Policy does not cover the use of third-party cookies.
4. Sharing of Information Collected
We do not process or respond to “do not track” signals or other similar mechanisms.
5. Do Not Track
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 who need to know it to provide products or services to you.
6. Security
Our products are intended for use by individuals who are at least 18 years old. If you are under the age of 18, you should not be visiting www.seedfi.com or using any SeedFi mobile application. We do not knowingly collect or retain personal information from children under the age of 18. If you are under the age of 18 and are visiting or otherwise using www.seedfi.com, you are advised not to disclose or provide any personally identifiable information to us.
7. Personal Information on Children
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. You will not be given any notice to these modifications. Your continued use of the website or any SeedFi mobile application after any changes are posted will be deemed to constitute your agreement to and acceptance of such changes to this Privacy Policy.
8. If You Access from Outside the United States
9. Changes to this Privacy Policy
Questions regarding this Privacy Policy or our information practices should be directed to SeedFi at help@seedfi.com.
Effective Date: June 1, 2021
10. Contacting Us
Federal law gives you the right to limit only
•
sharing for affiliates’ everyday business purposes—information about your creditworthiness
•
affiliates from using your information to market to you
•
sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
We collect your personal information, for example, when you
•
Open an account or Apply for a loan
•
Make deposits or withdrawals from your account or Provide employment information
•
give us your contact information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Federal law gives you the right to limit only
•
sharing for affiliates’ everyday business purposes—information about your creditworthiness
•
affiliates from using your information to market to you
•
sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.