SweetPay LLC (“SweetPay”) has partnered with the lenders on the SweetPay platform (each, a “Lender”). In connection with a Lender’s consideration of making a loan offer to you directly and through service providers, the Lender may perform a soft inquiry on your credit report. This soft inquiry will not impact your credit score. If a loan offer is made to you by a Lender and you accept the loan offer, the Lender may perform a hard inquiry on your credit report as part of the Lender’s final determination to make a loan to you. This hard inquiry on your credit report may impact your credit score.
You authorize SweetPay and each Lender to obtain (directly and through service providers) your credit report from one or more consumer reporting agencies, such as TransUnion, Experian, or Equifax. You acknowledge that SweetPay and each Lender may use the credit report for any purpose permitted by law, including:
You agree that each Lender may collect information from credit bureaus after the Lender funds your loan for various purposes, including (i) to evaluate risks associated with your loan and monitor changes to your credit profile, (ii) to display credit information to you, and (iii) to analyze data and offer you additional products or services. You authorize each Lender to verify information in your credit report, and you agree that each Lender may contact third parties without further notice to you to verify any and all information as it relates to the above matters or which you have provided to the Lender in connection with a request/application for credit or to administer or monitor your loan account if a loan is made.
To apply for a loan from one of SweetPay LLC’s lender partners, you agree to receive all information and disclosures regarding your loan electronically. You also agree that any information provided to you in connection with your loan transaction, including, but not limited to, your loan agreement and legally required notices, disclosures and information, will be provided by electronic communication. You may contact us by writing at email@example.com or phone at (434)422-4699 to (i) obtain a paper copy of any communication at no charge; (ii) withdraw your consent to receive information electronically or (iii) change the email address for receiving electronic communications. There are no conditions, consequences, or fees associated with withdrawing your consent.
To receive electronic communications in connection with this transaction, you will need a working connection to the internet. Your browser must support the Secure Sockets Layer (SSL) protection, which provides a secure internet connection. Netscape 4.7 and above and Microsoft Internet Explorer 5.0 and above support this feature. You will also need either a printer connected to your computer to print electronic communications or sufficient hard drive space available to save the information (e.g., 1 megabyte or more).
SweetPay and the lenders participating in our financing programs (“Lender Partners”) each own the information we collect on our Web Properties. Our Web Properties contain links to other websites. We do not control and are not responsible for the content, security, and privacy practices of such websites.
Our Web Properties are intended for visitors located in the United States. Our Web Properties are governed solely by the federal and state laws in the United States. Information submitted to our Web Properties is housed on servers located in the United States.
We collect Personally Identifiable Information at various times when you use our Web Properties. Some of the places where we collect such information include the following:
We may use your Personally Identifiable Information for the following purposes:
We may use non-Personally Identifiable Information, including, but not limited to, aggregate or anonymized information for any purpose consistent with law.
By accessing our Web Properties, you authorize us to disclose your Personally Identifiable Information to affiliated and unaffiliated third-parties as follows:
We do not knowingly solicit or collect Personally Identifiable Information about children under the age of 18. Our Web Properties is not designed for or directed to children under the age of 18. If we become aware that a child under the age of 18 has provided Personally Identifiable Information to us, we will delete the information from our records. If you become aware of any Personally Identifiable Information we collected from children under 18, please contact us at firstname.lastname@example.org.
We take precautions to secure and protect your information. When you submit your personal information via our Web Properties, your information is protected both online and offline.
Wherever we collect your personal information, that information is transmitted to/from us in a secure manner using encryption technology. You can verify this by looking for a lock icon in the address bar and looking for “https” at the beginning of the address of the Web page.
While we use encryption to protect sensitive information transmitted online, we also protect your information offline. We will never store your social security number or make available to SweetPay personnel. It is transferred securely to our Lender Partners who will use it along with your other personal information.
Only employees of SweetPay who need the information to perform Our Services on your behalf will have access to your personal information. We use the services of Amazon Web Services (“AWS”) to store your personal information. AWS is used by some of the largest organizations in the world and is a highly secure datacenter.
Although we work to protect your Personally Identifiable Information, you should be aware that no technology is perfect and that there is always some risk involved in transferring data over the Internet, particularly if you send information to us through an unsecured means, such as email.
Updated: May 18, 2020