Privacy Policy for Cambridge Acceptance Corp

Last Updated: June 02, 2024

Cambridge Acceptance Corp and its subsidiaries and affiliates (collectively, “Cambridge Acceptance,” “we,” “our,” or “us”) are committed to maintaining your confidence and trust regarding the privacy and security of your personal information. This Privacy Policy describes how we use, disclose, and protect the personal information collected:

• through our website, www.cambridgeac.com, and any other websites or mobile apps where this Privacy Policy is posted or linked (collectively, the “Digital Properties”) and any services available through the Digital Properties;
• in connection with the delivery of our products and services to our customers;
• in connection with our business development and marketing activities; and
• through our other offline and business interactions.

Collectively, we refer to our online and offline interactions with you as the “Services.” In this Privacy Policy, “personal information” means any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, to an individual. Please carefully review this Privacy Policy to learn more about our information handling and privacy practices. If you are a California resident, click here for more information about our privacy practices and your rights. For details regarding our handling of financial information and your choices with respect to such information, review our Financial Privacy Disclosure.

PERSONAL INFORMATION WE COLLECT

Depending on your use of the Services and how you interact with us, we may collect or obtain information from and about you in several ways, including: (1) directly from you; (2) automatically when you visit and interact with the Digital Properties; and (3) from third parties. Additional details regarding our collection of your personal information are included below.

Information Provided by You

When you visit and interact with the Digital Properties or otherwise engage with us, we collect personal information that you share with us. For example, we may collect personal information when you contact us (via phone, email, etc.), request promotional communications, or otherwise communicate with us.

Depending on the context of your interactions with us and the Services, the categories of personal information that we may collect directly from you include:

• Contact information, such as your name, address, telephone number, and email address.
• Identifying information, such as your Cambridge Acceptance account name, Social Security number, date of birth, and other similar identifiers.
• Correspondence and communications, including recordings of email and phone conversations with you.
• Preferences, such as how often you wish to receive marketing and promotional communications.
• Other information you choose to provide, including details submitted via webforms on the Digital Properties.

Where applicable, we may indicate why you must provide personal information and the consequences of not doing so. For example, certain information may be necessary to provide you with the Services.

If you voluntarily provide information to us via chatbot interactions on the Digital Properties, please note that these conversations may be monitored, and any personal information shared will be handled in accordance with this Privacy Policy.

Information Collected Through Automated Means

When you visit and interact with the Digital Properties, we (and our service providers and partners) may use cookies, pixels, web beacons, software development kits (SDKs), and other tracking technologies to collect certain information automatically, including:

• Device information, such as IP address, location, and browser or operating system details.
• Usage information, such as pages visited, time spent on pages, and interactions with the Digital Properties.

These tracking technologies may also collect behavioral information, such as scrolling patterns and interactions with webforms.

Analytics and Interest-Based Advertising

We use third-party tools like Google Analytics to better understand how users interact with the Digital Properties and to improve their functionality. For details about Google Analytics, visit Google’s Partner Sites Policy. To opt out, you can use Google Analytics’ browser add-on.

We also use third-party advertising tools to serve interest-based ads. These tools may use cookies and similar technologies to collect information about your interactions with our Digital Properties and other websites. You can adjust your browser settings to limit certain tracking or use resources like All About Cookies for more information.

Site Recording Technology

We use third-party recording technologies to memorialize visits to our Digital Properties. These technologies collect data such as mouse movements, clicks, and information entered into forms. By using our Digital Properties, you consent to the use of these technologies.

Information Collected from Other Sources

We may also obtain personal information from third parties, such as credit bureaus, service providers, lead generators, and social media platforms. This information may include:

• Contact information and demographic details.
• Consumer credit reports and credit scores.
• Financial information related to accounts or loans.

We use this information to supplement our records, personalize your experience, and for other business purposes described in this Privacy Policy.

Combining Information

We may combine personal information from multiple sources to provide you with better service and for internal analysis.

HOW WE USE YOUR INFORMATION

We use the personal information we collect for various business and commercial purposes, including:

• To provide, maintain, and improve the Services, including processing transactions and fulfilling requests.
• To communicate with you, including responding to inquiries, sending transactional notifications, and delivering promotional materials.
• To personalize your experience with the Services, including tailoring content and marketing efforts.
• To analyze and improve our Services, Digital Properties, and customer interactions.
• To detect, investigate, and prevent fraudulent, unauthorized, or illegal activities.
• To comply with legal obligations and enforce our terms and conditions.

We may also use your personal information for other purposes disclosed at the time of collection or with your consent.

HOW WE SHARE YOUR INFORMATION

We may share your personal information with:

1. Service Providers:
   Third-party vendors who perform services on our behalf, such as payment processing, data analysis, email delivery, customer support, and marketing services.

2. Business Partners:
   Partners with whom we collaborate to deliver the Services or co-market products and services.

3. Compliance and Legal Obligations:
   Governmental authorities or other parties as required by law, regulation, or legal process to protect our rights, safety, and property.

4. Corporate Transactions:
   In connection with a merger, acquisition, sale of assets, or other business transfer involving Cambridge Acceptance.

We do not sell personal information to third parties.

YOUR CHOICES

You have choices regarding how we use and share your information, including:

• Marketing Communications: You can opt-out of receiving promotional emails by following the unsubscribe instructions in those messages or by contacting us.
• Cookies and Tracking Technologies: You can manage or disable cookies through your browser settings. Additional tools, such as opt-out mechanisms for Google Analytics, are also available.
• Interest-Based Advertising: You can opt-out of interest-based advertising through platforms such as the Digital Advertising Alliance or Network Advertising Initiative.

SECURITY

We use administrative, technical, and physical safeguards to protect personal information from unauthorized access, use, or disclosure. While we strive to protect your information, no system is completely secure.

RETENTION

We retain personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law.

CHILDREN’S PRIVACY

Our Services are not intended for individuals under the age of 18, and we do not knowingly collect personal information from children.

CALIFORNIA RESIDENTS

If you are a California resident, you may have additional rights regarding your personal information. These rights may include the right to access, delete, and opt-out of the sale of personal information. For more details, please review our California Privacy Notice or contact us.

UPDATES TO THIS PRIVACY POLICY

We may update this Privacy Policy periodically. The “Last Updated” date at the top of this page reflects the most recent changes. Your continued use of the Services after an update constitutes your acceptance of the revised Privacy Policy.

CONTACT US

If you have any questions or concerns about this Privacy Policy or our privacy practices, please contact us at:

Cambridge Acceptance Corp
1010 10th Ave N.,
Lake Worth Beach, FL 33460
Email: [email protected]
Phone: +1 (866) 383 – 0060