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Outlet Finance Privacy Policy

GENERAL

This privacy policy ("policy") will help you understand how Outlet ("us", "we", "our") uses and protects the data you provide to us when you visit and use outlet.finance ("website", "service"). We reserve the right to change this policy at any given time, at which time this page, https://outlet.finance/privacy-policy, will be promptly updated. If you want to make sure that you are up to date with the latest changes, we advise you to frequently visit this page. You may also email us with any privacy related questions you have at info@outlet.finance.

By using or accessing the Services in any manner, you acknowledge that you accept the practices and policies outlined in this Privacy Policy, and you hereby consent that we will collect, use and share your personal information as set forth below.

WHAT USER DATA WE COLLECT

Information You Provide to Us

Personal information is data that can be used to identify you directly or indirectly, or to contact you. Our Privacy Policy covers all personal information that you voluntarily submit to us and that we obtain from our partners. This Privacy Policy does not apply to anonymized data that cannot be used to identify you.

We will only collect personal information with your expressed consent and by first notifying you of the purposes for our doing so. For every purpose, you will have the option to provide consent or not. We collect personal information to provide you with our Services. When we require certain personal information from users it is because we are required by applicable law to collect this information or it is relevant for specified purposes. Any information you provide to us that is not required is voluntary. You are free to choose whether to provide us with the types of personal information requested, but we may not be able to serve you as effectively or offer you all of our Services when you do choose not to share certain information with us.

For example, we collect personal information which is required under the law to open an account. We also collect personal information when you use or request information about our Services, subscribe to communications, request support, or sign up for Outlet promotions. We may also collect personal information from you offline, such as when you contact customer support. We may use this information in combination with other information we collect about you, as set forth in the Privacy Policy.

Information We Collect Through Use of Our Services

When you use our Services, we may collect information about you in the following general categories:

  • Identity Information: When you create an account or use Outlet Services, we, or our vendors acting on our behalf may collect the following types of information to meet our legal obligations: your name, date of birth, social security number, driver’s license number, personal ID, address, phone, email. We may also collect biometric data to verify the authenticity of your identity documents. Outlet will use this information to fulfill your requests and provide the relevant Services.
  • Transaction Information: We collect transaction details related to your use of our Services, including the type of service requested, date and time the service was provided, amount charged, and other related transaction details.
  • Usage and Preference Information: We collect information about how you and site visitors interact with our Services, preferences expressed, and settings chosen. In some cases, we do this through the use of cookies, pixel tags, and similar technologies that create and maintain unique identifiers. To learn more about these technologies, please see the Section of the Privacy Policy titled “Our Cookie Policy” below.
  • Device Information: We may collect information about your mobile device, including, for example, the hardware model, operating system and version, software and file names and versions, preferred language, unique device identifier, advertising identifiers, serial number, device motion information, and mobile network information.
  • Log Information: When you interact with the Services, we collect server logs, which may include information like device IP address, access dates and times, app features or pages viewed, app crashes and other system activity, type of browser, and the third-party site or service you were using before interacting with our Services.

Important Information about Platform Permissions

Most mobile platforms (iOS, Android, etc.) have defined certain types of device data that apps cannot access without your consent. And these platforms have different permission systems for obtaining your consent. The iOS platform will alert you the first time the Outlet app wants permission to access certain types of data and will let you consent (or not consent) to that request. Android devices will notify you of the permissions that the Outlet app seeks before you first use the app, and your use of the app constitutes your consent.

USE OF INFORMATION

Our primary purpose in collecting personal information is to provide you with a legally compliant, secure, smooth, efficient, and customized experience. In general, we use personal information to create, develop, operate, deliver, and improve our Services, content and advertising, and for loss prevention and anti-fraud purposes. Examples of how we may use this information include:

  • To comply with our legal obligations.
  • To prevent and investigate potentially prohibited or illegal activities, and/or violations of our terms and conditions.
  • To process transactions and send notices about your transactions.
  • To verify your identity by comparing your personal information against third-party databases.
  • To send administrative or account-related information to you.
  • To enforce our agreements with third parties.
  • To resolve disputes and troubleshoot problems.
  • For quality control and staff training.
  • To enhance security, monitor and verify identity or service access, combat spam or other malware or security risks.
  • To provide you with Outlet Services and customer support that you request.
  • To provide a personalized experience, and implement the preferences you request.

SAFEGUARDING AND SECURING USER DATA

Outlet is committed to securing your data and keeping it confidential. Outlet has done all in its power to prevent data theft, unauthorized access, and disclosure by implementing the latest technologies and software, which help us safeguard all the information we collect online.

OUR COOKIE POLICY

Once you agree to allow our website to use cookies, you also agree to use the data it collects regarding your online behavior (analyze web traffic, web pages you spend the most time on, and websites you visit).

The data we collect by using cookies is used to customize our website to your needs. After we use the data for statistical analysis, the data is completely removed from our systems.

Please note that cookies don't allow us to gain control of your computer in any way. They are strictly used to monitor which pages you find useful and which you do not so that we can provide a better experience for you.

If you want to disable cookies, you can do so by accessing the settings of your internet browser.

CALIFORNIA RESIDENTS - YOUR CALIFORNIA PRIVACY RIGHTS:

California Consumer Privacy Act (CCPA): This part serves as a privacy notice for California residents and applies solely to residents of California. Any terms defined in the CCPA have the same meaning when used in this part. Note that provision of this CCPA notice is not an admission on our part that we are a “business” within the meaning of the CCPA, and nothing in this policy may be construed as such an admission.

Personal Information We Collect

We collect certain “Personal Information” as defined by the CCPA and as listed below and have done so within the last 12 months.

Personal Information does not include: (a) publicly available information from government records; or (b) de-identified information or aggregate consumer information.

We obtain the categories of Personal Information listed in Section II from the following categories of sources

  • Directly from you
  • Indirectly when you use our Services (e.g., cookies when using our website)
  • From any other sources listed in this policy.

Our use of Personal Information

We may use and have disclosed the Personal Information we collect for the purposes detailed below. We will not collect additional categories of Personal Information or use the Personal Information we collected for materially different, unrelated, or incompatible purposes as those set out in these sections without providing you notice.

We do not sell Personal Information as the term “sell” is defined in the CCPA.

Sharing Personal Information

We may disclose any or all of the categories above of your Personal Information to third parties for a business purpose, as set forth in this policy, and we have done so in the last 12 months.

Your Rights and Choices

You have the right to request that we disclose certain information to you about our collection and use of your Personal Information over the past 12 months. Once we receive and confirm your verifiable consumer request (as described below), we will disclose to you (unless an exception applies):

  • the categories of Personal Information we collected about you;
  • the categories of sources for the Personal Information we collected about you;
  • our business or commercial purpose for collecting that Personal Information;
  • the categories of third parties with whom we share that Personal Information;
  • the specific pieces of Personal Information we collected about you (also called a Personal Information portability request);
  • if we disclosed your Personal Information for a business purpose, a list of disclosures for a business

purpose, identifying the Personal Information categories that each category of recipient obtained;

We do not provide these Personal Information access and portability rights for B2B Personal Information to the extent such an exception remains in effect under the CCPA.

Deletion Request Rights

california residents have the right under the CCPA to request that we delete any of their Personal Information that we have collected and retained, subject to certain exceptions. Once we receive and confirm a verifiable consumer request (see below), we will delete (and direct our service providers to delete) relevant Personal Information from our records, unless an exception applies (such as the B2B exception referenced above).

We may deny California residents’ deletion request if doing so is permitted or required by applicable law, or if retaining the Personal Information is necessary for us or our service provider(s) to:

  • complete the transaction for which we collected the Personal Information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with the requesting individual, or otherwise perform our contract with a requesting individual;
  • detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities;
  • debug products to identify and repair errors that impair existing intended functionality;
  • exercise free speech, ensure the right of another to exercise their free speech rights, or exercise another right provided for by law;
  • engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the Personal Information's deletion may likely render impossible or seriously impair the research's achievement, if you previously provided informed consent;
  • enable solely internal uses that are reasonably aligned with consumer expectations;
  • comply with a legal obligation; and
  • make other internal and lawful uses of that Personal Information that are compatible with the context in which you provided it.

Verifiable Consumer Request

To exercise the access, portability, and deletion rights under the CCPA described above, please submit to us a verifiable consumer request.

Only a California resident may make a verifiable consumer request related to their Personal Information. A California resident may also make a verifiable consumer request on behalf of their minor child.

A verifiable consumer request for Personal Information access or portability can only be made twice within a 12-month period. The verifiable consumer request must provide sufficient information that allows us to reasonably verify the California resident about whom we collected Personal Information or an authorized representative, and contain sufficient detail that allows us to properly understand, evaluate, and respond to it. We cannot respond to your request or provide Personal Information if we cannot verify your identity or authority to make the request and confirm the Personal Information relates to you.

Making a verifiable consumer request does not require you to create an account on our website. However, we do consider requests made through your password protected account sufficiently verified when the request relates to Personal Information associated with that specific account. We will only use Personal Information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.

We will endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically.

Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For Personal Information portability requests, we will select a format to provide your Personal Information that is readily useable and should allow you to transmit the Personal Information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. Except as permitted by the CCPA, we will not:

  • Deny you goods or services;
  • Charge you different prices or rates for goods or services, including through granting discounts or other benefits or imposing penalties;
  • Provide you a different level or quality of goods or services; and
  • Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

LINKS TO OTHER WEBSITES

Our website contains links that lead to other websites. If you click on these links Outlet is not held responsible for your data and privacy protection. Visiting those websites is not governed by this privacy policy agreement. Make sure to read the privacy policy documentation of the website you go to from our website.

RESTRICTING THE COLLECTION OF YOUR PERSONAL DATA

If you wish to restrict the use and collection of your personal data. You can achieve this by doing the following:

  • When you are filling the forms on the website, make sure to check if there is a box which you can leave unchecked, if you don't want to disclose your personal information.
  • If you have already agreed to share your information with us, feel free to contact us via email at support@outlet.finance and we will be more than happy to change this for you.

Outlet will not lease, sell or distribute your personal information to any third parties, unless we have your permission. We might do so if the law forces us. Your personal information will be used when we need to send you promotional materials if you agree to this privacy policy.