Last Updated: January 1, 2020
Please read this Policy carefully. By using our Site or Services, you agree to our collection, use, and sharing of your PII as described in this Policy.
Through your use of our Site and Services, we may collect PII, which (as used in this Policy) is information that identifies an individual or relates to an identifiable individual or device. PII may include, but is not limited to, your first and last name, physical address, email address, and persistent identifiers for your browser or mobile device. We collect the following types of information:
If you express interest in one of our Services, we will collect certain PII from you, including contact information (such as name and email address), which we will use to contact you. We may collect PII about you from third-party sources and combine it with the information you provide to us.
If you contact us, tell us your story, or otherwise provide us with information about yourself, we will maintain records of your correspondence. This may include any of your questions, comments, or suggestions. You may also provide us with the email addresses of your contacts and include a personal message to your contacts if you choose to participate in our referral program, if available.
If you use our mobile application, we may ask for your permission to access certain information and features on your device, including your camera and photos. You may also enable identity verification through your device’s Touch ID feature, in which case you will provide your fingerprint to your device. We do not collect your fingerprint.
We may collect and store your location information if you enable your mobile device to send it to us. Certain features of the Services, including fraud detection and card locking features, may not be available if you do not enable this collection.
We may automatically collect the following types of information as you use our Site and Services.
If you reject cookies, you may still use our Site, but your ability to use some areas of our Site may be limited. For example, you cannot create an account with us or use a product without accepting cookies.
We may use a software technology called tracking pixels (a.k.a. web beacons or clear gifs) that help us better manage content on our Site by informing us what content is most effective. Tracking pixels are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user’s computer hard drive, tracking pixels are embedded invisibly on Web pages and are about the size of the period at the end of this sentence.
We may also use other website or mobile tracking technologies, such as device fingerprinting, to identify you and keep track of your preferences, prevent fraudulent activity or improve Site security, assess the performance of the Site, and deliver content and advertising to you based on your interests on our site and third-party sites.
Statistical or aggregated information does not directly identify a specific person, but it may be derived from your PII. For example, we may aggregate PII to calculate the percentage of users in a particular ZIP code. We may also remove identifiers from data in order to create deidentified information that does not identify a specific person.
Third parties can also collect and use information on the Site for interest-based advertising, which is designed to be more relevant to you based on data collected on our Site and unrelated online properties over time. You can visit the Digital Advertising Alliance (“DAA”) Web Choices to opt out of interest-based advertising on your browser from companies participating in the DAA industry self-regulatory program.
To opt-out of the collection and use of mobile app data across apps over time on a device for interest-based advertising purposes, for companies participating in industry-self regulation, you can use the DAA’s AppChoices tool.
To exercise this opt-out, you can download the AppChoices app onto the relevant mobile device and opt-out through the app.
AppChoices is available at these links:
Please note that you should exercise your opt-out on each browser or device. If you opt out, you will still receive advertising but it may be less relevant to you. Third parties may continue to collect, use, and transfer information for purposes other than interest-based advertising. Some of these third parties may provide you with other ways to choose not to have your information collected or used for targeted advertising.
We use Bing Ads Universal Event Tracking (UET) tracking cookies which allow us to advertise on third party websites through the Bing Ads Advertising network (an advertising service provided by Microsoft, Inc.). Learn more about Bing’s privacy practices at https://privacy.microsoft.com/en-US/privacystatement. You can opt out of receiving interest-based advertising from Microsoft as described in the Microsoft’s opt-out page available at https://account.microsoft.com/privacy/ad-settings/signedout?lang=en-US.
To opt out of having your precise location data used for interest-based advertising, you can turn off location permissions using any tools provided by your device or operating system.
For example, our Site uses Google Analytics to improve the performance of the Site and for other analytics purposes. For more information about how Google collects and uses data when you use our Service, visit https://www.google.com/policies/privacy/partners/, and to opt out of Google Analytics, visit https://tools.google.com/dlpage/gaoptout/, including for interest-based advertising.
We use PII we collect to operate and improve our business, such as in the following ways:
We reserve the right to share information, including PII, with third parties, as described below:
Where permitted by law, we may share information for other reasons we may describe to you at the time of collection or sharing.
If your PII changes, or if you no longer desire our service, you may correct or update certain PII by contacting us at: 1-855-570-3732 or [email protected]. If you have an account with us and your account is in good standing, you may also correct or update certain PII by logging into to your account on our Site and updating your information there.
The security of your PII is important to us. We maintain reasonable physical, technical, and administrative security measures to protect and limit access to your PII. No method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your PII, we cannot guarantee its absolute security.
The Site may contain links to or links from third-party sites that are not owned or controlled by Mission Lane, its parent company or affiliates.
The Site may also include integrated social media tools or “plug-ins,” such as social networking tools offered by third parties. If you use these tools to share personal information or you otherwise interact with social media features on the Service, those social media companies may collect information about you and may use and share such information in accordance with your account settings, including by sharing such information with the general public.
We have no control over the content, privacy policies, or practices of any third-party site or tool. You are subject to the policies of those third parties where applicable, and we encourage you to review their privacy policies to learn about their practices.
Our Site and Services are not intended for use by children. We do not knowingly collect personal information from children under the age of 16 years. If we become aware that a child under 16 has opened an account or otherwise provided us with PII, we take steps to terminate the child’s account and delete such PII.
This section contains disclosures required by the California Consumer Privacy Act (“CCPA”) and applies only to “personal information” that is subject to the CCPA. Much of the personal information that Mission Lane collects is exempt from the CCPA because it is protected under other federal and/or state financial privacy laws. This section sets forth Mission Lane’s practices, and your rights, regarding non-exempt personal information that Mission Lane collects.
Consumers with disabilities may access this notice by using assistive technology such as a screen reader.
We collect the categories of personal information about California consumers identified in the chart below. As further set forth in the chart below, in the past 12 months, we have disclosed California consumers’ personal information to third parties for business or commercial purposes.
California residents have certain rights with respect to the personal information collected by businesses. With respect to the right to opt out of sales of personal information, Mission Lane does not and will not sell personal information about you that is subject to the CCPA.
If you are a California resident, you may exercise the following rights with Mission Lane regarding your personal information, subject to certain exceptions and limitations:
To exercise any of the above rights, please contact us through the Consumer Request Form.
Note that we may need to request additional information from you to verify your identity or understand the scope of your request, although you will not be required to create an account with us to submit a request or have it fulfilled. We will require you to provide, at a minimum your name, email address and state of residence.
We do not sell the personal information of individuals we know are minors under 16 years of age.
This is a United States-based Site that is subject to United States law. This Site is controlled, operated, and administered by Mission Lane from its offices within the United States of America. This Policy is provided in accordance with and subject to applicable U.S. law. If you are accessing this Site from a location outside the United States, you hereby agree that your use of this Site and our collection and use of your PII is subject to this Policy.
We reserve the right to modify this Policy at any time, so please review it frequently. If we decide to make material changes to this Policy, we will post those changes to this Site in a manner that we deem is appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. You agree to these future updates by continuing to use our Site or Services after they have been posted. You can always obtain a copy of the most updated Policy by calling 1-855-570-3732.
Mission Lane LLC
P.O. Box 105286
Atlanta, GA 30348