Privacy policy.

This Privacy Policy is effective immediately for all users.

This General Privacy Policy describes the ways Lithium Credit Inc. and its affiliates (“Lithium,” “we,” “our,” or “us”) may collect, use, and disclose your personal information in connection with products and services offered through Lithium as well as this website (collectively, the “Lithium Services”). You accept this policy by using Lithium Services on our website or by any other means.

If you have any questions about our General Privacy Policy or how it applies to specific data, please contact us at support@ithiumcredit.com. We will make every effort to resolve your concerns.

WHAT DOES THIS GENERAL PRIVACY POLICY COVER?

This General Privacy Policy covers the treatment of personally identifiable information (“Personal Information”) we gather when you use or access the Lithium Services, and any Personal Information shared between us and any third party, including service providers (collectively, “Third Parties”) for use in connection with Lithium Services. By using Lithium Services, you hereby authorize us to review and share your information (including Personal Information) with Third Parties.

When Lithium shares your Personal Information with vendors and other third-party service providers (“Third Party Service Providers”) who perform functions on our behalf, we require the security and confidentiality of your information, as well as limiting their use of the information to what is reasonable and necessary to carry out their work with us and comply with applicable laws and regulations.

This General Privacy Policy does not apply to Third Party Service Providers that you elect to access through the Lithium Services or that you share information with directly. While we attempt to facilitate access only to those Third Party Service Providers that share our respect for your privacy, we cannot take responsibility for the content or privacy policies of those Third Party Service Providers. We encourage you to carefully review the privacy policies of any Third Party Service Providers you access.

WHAT INFORMATION DO WE COLLECT AND HOW DO WE USE THE INFORMATION?

The information we gather enables us to personalize, improve, and continue to operate the Lithium Services. Below we describe in more detail the type of information we collect and how we use it.

Contact Information:

If you create an account, sign up to receive our newsletter, or otherwise provide your contact information to us, you will provide us with Personal Information that may include your name, username, password, email address, home address, date of birth, and phone number. We may use your contact information to send you messages about the Lithium Services. You may unsubscribe from some of these messages through your account settings, although we reserve the right to contact you when we believe it is necessary, such as for account recovery purposes.

Payment Information:

When you make payments through the Lithium Services, we may collect information related to your payments, such as your payment method, account number, type, or expiration date. The use and storage of such information is governed by this General Privacy Policy.

Web Browser and Device Information:

We and our service providers automatically receive and record information from your web browser when you go on our website, including your IP address and cookie information, as well as information about your behavior on the site. We use this information to, among other purposes described in this policy, fight fraud (including spam or malware) and to analyze your interaction with the Lithium Services.

Generally, the Lithium Services automatically collect usage information, such as the number and frequency of visits to the Lithium Services. This type of aggregate data enables us and third parties authorized by us to determine how often individuals use parts of the Lithium Services so that we can analyze and improve those services.

HOW, AND WITH WHOM, IS MY INFORMATION SHARED?

Information Disclosed for Our Everyday Business Purposes:

We share information about you for our everyday business purposes, such as to process your application, assist in underwriting, process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.

Information Disclosed for Lithium Services:

We may provide transaction data and other information to payment processors and other partners for use in connection with the program. This information may be Personal Information and non-public information, such as your primary account number.

Information Disclosed for Our Marketing Purposes:

We share information about you for our marketing purposes to offer products and services to you.

Information Disclosed Pursuant to Business Transfers:

If we decide to buy or sell assets, user information is typically one of the transferred business assets. Moreover, if we (or substantially all of our assets) were acquired, or if we go out of business or enter bankruptcy, user information would be one of the assets that may be transferred or acquired by a third party. Any acquirer of us or our assets may continue to use your Personal Information as set forth in and in accordance with this policy.

Information Disclosed for Our Protection and the Protection of Others:

We reserve the right to access, read, preserve, and disclose any information as we reasonably believe is necessary to (i) satisfy any applicable law, regulation, legal process, or governmental request, (ii) enforce this General Privacy Policy and our Terms of Use, including investigation of potential violations hereof, (iii) detect, prevent, or otherwise address fraud, security, or technical issues, (iv) respond to user support requests, or (v) protect our rights, property, or safety, our users, and the public. This includes exchanging information with other companies and organizations for fraud protection and spam/malware prevention.

Information We Share With Your Consent:

In addition to the disclosures described in this General Privacy Policy, we may also share your information, which may include your Personal Information, in additional ways, if you consent.

IS INFORMATION ABOUT ME SECURE?

We protect your Personal Information from unauthorized access and use by maintaining physical, electronic, and procedural safeguards in compliance with applicable law. These measures include computer safeguards and secured files and buildings. We authorize our contractors and employees to access your information only when they need it to do their work, and we require companies that work for us to protect your information. However, we cannot guarantee the security of any information. Unauthorized entry or use, hardware or software failure, and other factors, may compromise the security of user information at any time.

WHAT INFORMATION OF MINE CAN I ACCESS?

If you are a registered user, you can view information associated with your account by logging into your account or by contacting us at support@ithiumcredit.com. In addition, you can access and delete cookies through your web browser settings.

HOW CAN I DELETE MY ACCOUNT?

If you decide to delete your account, you can do so by emailing support@ithiumcredit.com. If you terminate your account, any association between your account and information we store will no longer be accessible through your account. We will continue to store, access, and use information about you and your account in compliance with this Privacy Policy and as required by any applicable legal or regulatory obligations.

WHAT CHOICES DO I HAVE REGARDING MY INFORMATION?

You can always choose not to disclose certain information to us, but please note that certain information is required for use of Lithium Services.

You may request that we remove your bank and financial information, although this may negatively impact your ability to use Lithium Services.

You can delete your account. Please note that we will need to verify that you have the authority to delete the account, and we will continue to store and use information we collected in connection with your past account activity.

You can opt out of certain cookies and tracking technologies.

CHILDREN’S PRIVACY

The Lithium Services are not intended for use by children. We do not knowingly collect Personal Information from children under the age of 13 years. If we become aware that a child under 13 has opened an account or otherwise provided us with Personal Information, we take steps to terminate the child’s account and delete such information.

WHAT HAPPENS WHEN THERE ARE CHANGES TO THIS GENERAL PRIVACY POLICY?

We may amend this General Privacy Policy from time to time. If we make changes in the way we collect or use information, we will attempt to notify you by posting an announcement on the Lithium Services or sending you an email; however, any changes to the General Privacy Policy are effective as soon as we post them here.

For more information regarding this General Privacy Policy, or if you have any questions or concerns, please contact us at support@ithiumcredit.com.