Last updated January 2020
This policy is provided by Ciao, Inc., dba as LoanScorecard, a wholly owned subsidiary of Calyx Software.
Your privacy is important to us. This California Consumer Privacy Act Disclosure explains how the legal entities listed above (“Company,” “we,” or “us”) collect, use and disclose personal information relating to California residents covered by the California Consumer Privacy Act of 2018 (CCPA). This notice is provided pursuant to the CCPA.
Under the CCPA, “Personal Information” is information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a California resident. The CCPA, however, does not apply to certain information, such as information subject to the Gramm- Leach-Bliley Act (GLBA).
Keeping Personal Information secure is one of our most important priorities. Consistent with our obligations under applicable laws and regulations, we maintain physical, technical, electronic, procedural and organizational safeguards and security measures that are designed to protect personal data against accidental, unlawful, or unauthorized destruction, loss, alteration, disclosure or access, whether it is processed by us or elsewhere.
In the past 12 months, we have collected and/or disclosed to third parties for our business purposes the following categories of Personal Information relating to California residents covered by this Disclosure:
The categories of sources from whom we collected this Personal Information are:
The categories of third parties to whom we disclosed Personal Information for our business purposes described in this privacy disclosure are:
In the past 12 months, we have used Personal Information relating to California residents to operate, manage, and maintain our business, to provide our products and services, and to accomplish our business purposes and objectives, including the following:
In the past 12 months, we have not sold Personal Information subject to the CCPA, including Personal Information of minors under the age of 16. For purposes of this Disclosure, “sold” means the disclosure of Personal Information to a third-party for monetary or other valuable consideration.
If you are a California resident, you have the right to:
If you submit a request on behalf of another person, we may require proof of authorization and verification of identity directly from the person for whom you are submitting a request.
In some instances, we may not be able to honor your request. For example, we will not honor your request if we cannot verify your identity or if we cannot verify that you have the authority to make a request on behalf of another individual. Additionally, we will not honor your request where an exception applies, such as where the disclosure of Personal Information would adversely affect the rights and freedoms of another consumer or where the Personal Information that we maintain about you is not subject to the CCPA’s access or deletion rights. We will advise you in our response if we are not able to honor your request. We will not provide social security numbers, driver’s license numbers or government issued identification numbers, financial account numbers, health care or medical identification numbers, account passwords or security questions and answers, or any specific pieces of information if the disclosure presents the possibility of unauthorized access that could result in identity theft or fraud or unreasonable risk to data or systems and network security.
We will work to process all verified requests within 45 days pursuant to the CCPA. If we need an extension for up to an additional 45 days in order to process your request, we will provide you with an explanation for the delay.
If you are a California resident, you may submit a request by:
We may change or update this Disclosure from time to time. We will do so at least once a year. When we do, we will post the revised Disclosure on this page with a new “Last Updated” date.