Effective Date: 03-March-2022
We collect information in multiple ways, including when you provide information directly to us, and when we passively collect information from you, such as from your browser or device that you use to access our Website.
When you use our Website, we may collect personal information about you, such as your name, address, Social Security number, telephone number, email address, asset information, income information, or any other information that you submit on applications or other forms made available through the Website.
We use the personal data we collect for purposes described in this Policy or otherwise disclosed to you. For example, we may use any of the above categories of data as applicable to:
We may also use data that we collect on an aggregate or anonymous basis (such that it does not identify any individual customers) for various business purposes, where permissible under applicable laws and regulations.
We keep your personally identifiable information for no longer than necessary
for the purposes for which it is processed and/or as required to comply with applicable laws. The length of time for which we retain information depends on the purposes for which we collected and use it.
This California Consumer Privacy Act Disclosure (“CCPA Disclosure”) explains how Splitero collects, uses, and discloses personal information subject to the California Consumer Privacy Act (“CCPA”). It also describes the privacy rights of California residents under the CCPA and how they can exercise those rights.
This CCPA Disclosure applies solely to California residents and supplements any other privacy policies or notices applicable to the Capital One services that you visit or use.
What Personal Information Is Covered by the CCPA?
Under the CCPA, “personal information” is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular California resident or household.The CCPA does not apply to certain information, such as information subject to the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and certain other state or federal privacy laws. This CCPA Disclosure also does not apply to information that we collect in connection with providing products or services to other businesses or when receiving products or services from our suppliers.
What Information Is Collected?
We collect the above categories of Personal Information from the following sources:
We collect and have collected in the past twelve (12) months the above categories of Personal Information for one or more of the following business or commercial purposes:
Sharing of Personal Information
We disclose the above categories of your Personal Information to third parties for business purposes or as required or permitted by law including with our affiliates and subsidiaries, service providers, third parties to whom you authorize us, directly or indirectly, to disclose your personal; information in connection with products or services we provide to you and government or regulatory authorities, as required by law.
Sale of Personal Information
In the preceding twelve (12) months, we have not sold or otherwise disclosed to a third party for monetary or other valuable consideration any Personal Information subject to the CCPA.
Your Rights Under the CCPA
As a California resident, you have the right to request that we disclose certain information about our collection and use of your personal information over the past twelve (12) months including:
Deletion Request Rights
California law gives you the right to request deletion of your Personal Information. We limit the Personal Information that we collect from you and only collect Personal Information from you for business or commercial purposes. Splitero is providing the following methods to request deletion to comply with the CCPA. However, please keep in mind that Splitero is not required to honor your request for deletion if the Personal Information is needed for a business purpose.
Exercising your Rights
If you are a California resident, you can submit a request to us by:
Only you, or a person registered with the California Secretary of State whom you authorize to act on your behalf, may make a verifiable consumer request related to your personal information.
You may only make a verifiable consumer request twice within a 12-month period. The verifiable consumer request must:
We cannot respond to your request or provide you with 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 with us.
We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request. Our practices with regard to verifying a request will vary depending on the request and the information we have on the person making the request.
We will respond to your verifiable request within ten (10) days of receipt. We will provide access to personal information within forty-five (45) days of receiving your request. If we require more time (up to 90 days), we will notify you in writing and inform you of the reason. We will deliver our written response by mail or electronically (provided we can do so securely) at your direction. The response we provide will also explain the reasons we cannot comply with a request, if applicable. Further, we will not provide Personal Information, such as a Social Security number or any other specific pieces of Personal Information, if the disclosure could result in unauthorized access, causing fraud or other security risks. We will only use the personal information you provide to verify your identity or identity of the individual on whose behalf you are making the request.
You have the right to not receive discriminatory treatment for the exercise of the privacy rights conferred by the CCPA.
Information for Parents or Guardians
We do not knowingly collect or maintain information about children under the age of 16 unless that information is provided by a parent, legal guardian, or authorized adult.
Changes to this Privacy Notice
We reserve the right to update this Privacy Notice at any time to reflect changes in our business, legal or regulatory obligations. Any changes will be immediately effective upon the posting of the updated Privacy Notice.