Privacy Policy | Sable Credit

Introduction

Welcome to Sable Credit ("Sable," "we," "us," or "our"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website, mobile application, and services (collectively, the "Services").

By using our Services, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access or use our Services.

Information We Collect

Information You Provide to Us

We collect information you provide directly to us, such as when you create an account, apply for a credit builder loan, submit a dispute, make a payment, or contact us for support.

Personal Identifiers: Name, email address, phone number, mailing address, date of birth, Social Security Number or Individual Taxpayer Identification Number
Financial Information: Bank account and routing numbers, debit card information, income and employment information, information about your debts and expenses
Government Identifiers: Driver's license or state ID information for identity verification
Credit Information: Information from your credit reports, credit scores, information about accounts you wish to dispute
Communications: Information you provide when you contact us, participate in surveys, or provide feedback

Information We Collect from Third Parties

We may collect information about you from third parties, including:

Credit Reporting Agencies: Credit reports and scores from Experian, Equifax, and TransUnion
Banking Partners: Account verification and transaction information from our banking partners
Identity Verification Services: Information to verify your identity and prevent fraud
Analytics Providers: Information about how you interact with our Services

Information We Collect Automatically

When you access or use our Services, we automatically collect information about you, including:

Log Information: IP address, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform
Device Information: Information about your mobile device, including mobile device ID, model, and manufacturer
Usage Information: Information about your use of our Services, such as access times, pages viewed, links clicked, and the page you visited before navigating to our Services
Transaction Information: Details about payments to and from you and other details of products and services you have purchased from us

How We Use Your Information

We use the information we collect about you to provide, maintain, and improve our Services, including:

Account Services: Create and manage your account, authenticate you when you log in, and provide customer support
Credit Building Services: Process applications for credit builder loans, manage loan payments, and report your payment history to nationwide credit reporting agencies
Dispute Services: Analyze your credit report, identify potential errors, generate dispute letters, and track dispute progress with credit bureaus and creditors
Identity Verification & Fraud Prevention: Verify your identity, prevent fraudulent transactions, and protect against unauthorized access to your account
Payment Processing: Process transactions, send you transaction confirmations, and manage billing and collection activities
Communications: Send you account notifications, security alerts, technical notices, updates, and support messages
Marketing: Send you marketing communications about products or services we think may interest you (you can opt-out at any time)
Analytics & Improvements: Monitor and analyze trends, usage, and activities to improve our Services and develop new products and features
Legal & Compliance: Comply with legal obligations, resolve disputes, enforce our agreements, and protect our rights and the rights of others

Important: We use your Social Security Number solely for identity verification, credit reporting, and as required by law. We do not sell or share your SSN with third parties for marketing purposes.

Information Sharing and Disclosure

We share information about you in certain situations and with certain third parties. We never sell your personal information.

Service Providers

We share your information with third-party service providers that perform services on our behalf, including:

Payment processors (Stripe) for processing payments
Banking partners (Cross River Bank, Evolve Bank & Trust) for credit builder loans and banking services
Credit reporting agencies (Experian, Equifax, TransUnion) for credit reporting and disputes
Identity verification services to prevent fraud
Email service providers for communications
Cloud storage providers for data hosting
Analytics providers to understand usage patterns

Legal and Regulatory Requirements

We may disclose your information if we believe that disclosure is:

Required by law, regulation, legal process, or governmental request
Necessary to comply with law enforcement or national security requirements
Necessary to protect the rights, property, or safety of Sable, our users, or the public
Necessary to detect, prevent, or address fraud, security, or technical issues

Business Transfers

We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company. You will be notified via email and/or a prominent notice on our Services of any change in ownership or uses of your personal information.

With Your Consent

We may share your information with your consent or at your direction, such as when you authorize a third-party service to access your account or when you participate in promotional activities conducted by our partners.

We do not sell, rent, or trade your personal information to third parties for their marketing purposes.

Data Security

We take the security of your personal information seriously and use appropriate technical and organizational measures to protect your information against unauthorized or unlawful processing and against accidental loss, destruction, or damage.

Security Measures We Implement

Encryption: We use SSL/TLS encryption for data in transit and encrypt sensitive data at rest
Access Controls: We limit access to your personal information to employees who need it to perform their job functions
Authentication: We use multi-factor authentication for access to sensitive systems
Regular Testing: We conduct regular security assessments and penetration testing
PCI Compliance: We maintain PCI DSS compliance for payment card processing
Secure Infrastructure: We use secure data centers with physical security controls
Employee Training: All employees receive training on data protection and security best practices

Your Security Responsibilities

You also play a vital role in keeping your information secure:

Use a strong, unique password for your Sable account
Enable two-factor authentication when available
Keep your login credentials confidential
Log out of your account when using shared devices
Notify us immediately of any unauthorized access

Despite our security measures, no system is impenetrable. We cannot guarantee that your information will never be accessed, disclosed, altered, or destroyed by breach of any of our physical, technical, or organizational safeguards. In the event of a data breach, we will notify affected users in accordance with applicable law.

Your Rights and Choices

You have certain rights and choices regarding the collection, use, and disclosure of your personal information:

Account Information

You may update, correct, or delete your account information at any time by logging into your account or contacting us. Note that we may retain certain information as required by law or for legitimate business purposes.

Communication Preferences

Marketing Emails: You can opt out of marketing emails by clicking the "unsubscribe" link in any marketing email or updating your preferences in your account settings
Text Messages: Reply STOP to any marketing text message to opt out
Account Notifications: You cannot opt out of transactional communications related to your account

State-Specific Privacy Rights

California Residents (CCPA/CPRA)

You have the right to:

Know what personal information we collect, use, disclose, and sell
Delete your personal information (subject to certain exceptions)
Opt-out of the sale or sharing of your personal information (we do not sell your data)
Non-discrimination for exercising your privacy rights
Correct inaccurate personal information
Limit use and disclosure of sensitive personal information

Virginia, Colorado, Connecticut, and Utah Residents

You have the right to:

Access your personal information
Correct inaccuracies in your personal information
Delete your personal information
Obtain a copy of your personal information in a portable format
Opt-out of targeted advertising (we do not engage in targeted advertising)

Nevada Residents

Nevada residents may opt out of the sale of certain covered information to third parties. We do not sell your personal information as defined under Nevada law.

How to Exercise Your Rights

To exercise any of these rights, please contact us at privacy@sablecredit.com or call 1-888-SABLE-88. We may need to verify your identity before processing your request. We will respond to your request within the timeframe required by applicable law.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to:

Remember your preferences and settings
Analyze how our Services are used
Provide personalized content and features
Detect and prevent fraud

You can control cookies through your browser settings. However, disabling cookies may limit your ability to use certain features of our Services.

Third-Party Services

Our Services may contain links to third-party websites, services, or applications. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing any personal information.

We work with the following key partners:

Array: Credit data and credit builder loan services
Cross River Bank: Banking services for credit builder loans
Stripe: Payment processing
Credit Bureaus: Experian, Equifax, and TransUnion for credit reporting

Children's Privacy

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information.

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 this page and updating the "Last updated" date. We encourage you to review this Privacy Policy periodically for any changes.

Contact Us

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

Company:

Sable Credit, Inc.

Email:

privacy@sablecredit.com

Phone:

1-888-SABLE-88

Address:

123 Financial District

San Francisco, CA 94105