Introduction
Welcome to GrowRev. We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your data in compliance with applicable laws and regulations, including the Federal Trade Commission (FTC) guidelines, the Fair Credit Reporting Act (FCRA), the General Data Protection Regulation (GDPR), and the California Consumer Privacy Act (CCPA).
Information We Collect
We collect the following types of personal information:
- - Contact Information: Name, email address, phone number
- - Financial Information: Soft credit data, wallet balance, and unsecured credit line approvals (collected in compliance with FCRA regulations).
- - Usage Data: Information about how you use our services, including interaction data and preferences.
How We Collect Information
We collect information through:
- - Direct Interactions: When you provide information by filling out forms or communicating with us.
- - Automated Technologies: Through cookies and similar tracking technologies as you interact with our website.
- - Third Parties: From partners and service providers who assist us in delivering our services.
- - Credit Pre-Screening: We may collect financial data through a soft credit pull authorized under the FCRA for the purpose of determining financial qualifications.
Purpose of Data Processing
We process your personal information for the following purposes:
- - Service Delivery: To provide and manage our services effectively.
- - Personalization: To tailor our services to your preferences.
- - Communication: To send updates, newsletters, and marketing materials, where permitted.
- - Compliance: To adhere to legal obligations, including FCRA compliance for credit pre-screening.
Legal Basis for Processing (GDPR Compliance)
Our legal grounds for processing personal data include:
- - Consent: When you have given explicit consent for specific purposes.
- - Contractual Necessity: To fulfill our contractual obligations to you.
- - Legal Obligation: To comply with legal and regulatory requirements, including FCRA mandates.
- - Legitimate Interests: For purposes such as improving our services, provided these interests are not overridden by your rights.
Consumer Rights
Under GDPR:
- - Access: You have the right to request access to your personal data.
- - Rectification: You can request correction of inaccurate data.
- - Erasure: You have the right to request deletion of your data.
- - Restriction: You can request the restriction of processing under certain conditions.
- - Data Portability: You have the right to receive your data in a structured, commonly used format.
- - Objection: You can object to processing based on legitimate interests.
Under CCPA:
- - Right to Know: You can request disclosure of the categories and specific pieces of personal information we have collected.
- - Right to Delete: You can request deletion of your personal information.
- - Right to Opt-Out: You can opt-out of the sale of your personal information.
- - Non-Discrimination: You have the right not to be discriminated against for exercising your CCPA rights.
Under FCRA:
- - Access to Credit Data: You can request information about your credit data collected during the pre-screening process.
- - Dispute Inaccuracies: You have the right to dispute any inaccuracies in your credit information and request corrections.
- - Purpose Disclosure: We conduct soft credit pulls strictly for the purpose of financial qualification, as permitted by FCRA regulations.
To exercise these rights, please contact us at [contact information].
Data Sharing and Disclosure
We may share your personal information with:
- - Service Providers: Third parties who assist us in providing our services.
- - Legal Obligations: Authorities when required by law or to protect our rights.
- - Business Transfers: In connection with mergers, acquisitions, or asset sales.
Soft credit pull data is shared only with authorized entities in compliance with FCRA regulations.
Data Retention
We retain personal information only as long as necessary to fulfill the purposes for which it was collected, including legal, accounting, or reporting requirements. FCRA data is retained securely for the duration required by law.
Data Security
We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction, in compliance with FTC, GDPR, CCPA, and FCRA standards.
International Data Transfers (GDPR Compliance)
If we transfer personal data outside the European Economic Area (EEA), we ensure appropriate safeguards are in place, such as Standard Contractual Clauses or adequacy decisions.
Children's Privacy
Our services are not directed to individuals under 16. We do not knowingly collect personal information from children under 16.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on our website.
Contact Us
If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:
- Growrev Marketing LLC
- 6910 NW 2nd Terrace
- Boca Raton, FL 33487
- support@growrev.com
