Thank you for your interest in Braviant Holdings, LLC, its subsidiaries, affiliates, or any third parties acting on our behalf (“Braviant,” “we,” or “us”). Braviant is a leading provider of tech-enabled credit products and services for underbanked consumers. We welcome you to our website at https://www.braviantholdings.com/, as well as all related websites or other online services (the “Site”). By accessing or using the Site, you acknowledge that you have read, understood, and agree to the terms of this privacy policy (“Privacy Policy”). If you cannot agree to the Privacy Policy, then please do not use the Site.

By using the Site or otherwise interacting with us, you may provide us with information about you, including information that can be used to identify you. This Privacy Policy explains how Braviant may collect, use, and disclose information about you.

Collection of Your Personal Information

We collect personal information about you from a variety of sources, including information provided by you, information we collect when you visit our Site, transaction information, and information we collect about you from third party sources, including data analytics providers, operating systems and platforms, and internet service providers. This personal information may include personal information, financial information, employment information, commercial information, and inferences about you.

Automatically Collected Information

We automatically collect information about your visit to our Site, including the type of browser you are using to visit our Site, your operating system, the date and time when the Site is visited, and the web pages displayed to you.

The Site uses cookies and other tracking technologies to perform certain site functions, which may include recording your interactions with us. Most browsers allow you to block and delete cookies. However, if you do that, the Site may not work properly. To learn more about cookies and your ability to opt-out of certain advertising cookies, please visit the following websites:
http://www.aboutads.info/choices or http://www.networkadvertising.org/choices. The Site does not respond to browser Do Not Track signals.

Use of Personal Information

Braviant may use your personal information for the following reasons:

• To maintain general communications with you about the Site;
• For marketing purposes;
• To respond to court orders and legal obligations;
• To provide you with customer service and support;
• To safeguard against potential fraud;
• To protect data from unauthorized parties and comply with legal requirements;
• To enforce this Privacy Policy, Terms of Use, and any other agreements you have entered into with us;
• For any other purpose for which you provide consent;
• To engage in auditing related to a current interaction with you and concurrent transactions, including, but not limited to, counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this Privacy Policy and other standards;
• To detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and prosecute those responsible for that activity;
• To debug our Site, and to identify and repair errors that impair existing
  intended functionality;
• For short-term, transient uses;
• When undertaking internal research for technological development and demonstration;
• When undertaking activities to verify or maintain the quality or safety of the Site or device that is owned, manufactured, manufactured for, or controlled by us, and to improve, upgrade, or enhance the Site or device that is owned, manufactured, manufactured for, or controlled by us;
• For commercial purposes to advance our commercial or economic interests, such as by inducing you to buy, rent, lease, join, subscribe to, provide, or exchange products, goods, property, information, or services, or enabling or effecting, directly or indirectly, a commercial transaction;
• To send you offers and promotions for our products and services;
• To operate, understand, optimize, develop, or improve our sites,
  applications, products, services and operations;
• To detect, investigate and prevent activities that may violate our policies or
  be illegal;
• To fulfill our duties as an employer; or
• For any other legitimate business purpose.

We may anonymize and aggregate data collected through the Site and use it for any purpose.

Disclosures of Personal Information

We may disclose any of the personal information collected about you with third parties for any of the following reasons:

• We work with a range of service providers who provide functionality to our Site. We may disclose information, within the limits of applicable law, with vendors and service providers to help us provide our Site. This may include affiliates, underwriting vendors, backup servicers, credit bureaus, debt buyers, web traffic analytic providers, IT vendors, marketing vendors, etc.
• From time to time, Braviant may have to access, preserve, or disclose your personal information or other information in accordance with applicable law. Braviant will comply with law enforcement requests and legal process to protect the rights, property, or safety of you, of us, or of others. This may include federal, state, or local regulatory or other governmental entities.
• We may disclose information if we believe it is necessary in order to detect, investigate, prevent, or take action against illegal activities or fraud.
• If we are involved in a merger, acquisition, financing due diligence, reorganization, bankruptcy, receivership, sale of assets, or transition of service to another provider, your information may be sold or transferred as part of such a transaction as permitted by law and/or contract. We cannot control how such entities may use or disclose such information.
• We may disclose information for any other legitimate business purpose.

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Braviant does not sell or share any personal information of California consumers. We have no actual knowledge of any sale or sharing of the personal information of minors under 16 years of age.

Third Party Collection

We may allow third parties to collect information about the users of our Site. Such third parties may collect personal information about your online activities over time and across different websites when you use our Site. We do not control these third parties, who may engage in practices that differ from those described in this Privacy Policy.

For example, Google Analytics, a web analytics service provided by Google, Inc.
(“Google”), may set cookies on your browser or mobile device, read already placed cookies, or receive information about you from apps you have downloaded that partner with Google. Google Analytics uses information, such as, how often you use the Site and how you use the Site to improve the Site. For more information regarding how Google collects, uses, and discloses your information and how to opt out of certain uses, please visit http://www.google.com/policies/privacy/partners/. By using the Site, you consent to the processing of data about you by Google as described here and in Google's privacy policy.

When accessing a third-party service or a website different from our Site, please be aware that the privacy practices of those services and websites may differ. We encourage you to read the privacy policy for each website you visit. We are not responsible for the privacy policies or practices of linked third party sites or services even if accessible via our Site.

Retention of Personal Information

We will retain your personal information for as long as reasonably necessary to fulfill the purpose(s) for which it was collected, resolve disputes, establish legal defenses, conduct audits, pursue legitimate business purposes, enforce our agreements, and comply with applicable laws or regulations.

Security

We take reasonable administrative, technical, and physical security precautions to protect the personal information collected or maintained by us against loss, unauthorized access, and illegal use or disclosure. Unfortunately, the Internet cannot be guaranteed to be 100% secure, and we cannot ensure or warrant the security of any information you provide to us. We do not accept liability for unintentional disclosure of your personal information.

California Privacy Rights

If you are a California resident, you have certain rights with respect to your “personal information,” as defined by the California Consumer Privacy Act (CCPA).

• You have the right to request that we disclose the following:
  • The categories of personal information we have collected about you.
  • The categories of sources from which the personal information was collected.
  • The business or commercial purpose for collecting or selling
    personal information.
  • The categories of third parties with whom we have disclosed
    personal information.
  • The specific pieces of personal information we have collected about you.

• You have the right to request that we delete any personal information about you which we have collected from you.
• You have the right to request that we correct any inaccurate personal information maintained by us.
• You have the right to opt out of the sale of your personal information.
• You have the right to opt out of the sharing of your personal information for cross-contextual behavior advertising or targeted advertising.
• You have the right to limit the use and disclosure of sensitive personal information.

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You have the right not to receive discriminatory treatment or retaliation by us for the exercise of any of these privacy rights conferred by the CCPA. However, we reserve the right to limit these rights where permitted under applicable law, including where your identity cannot be reasonably verified, to the extent your rights adversely affect the rights and freedoms of others, or where the CCPA allows us an exemption, such as when we are required to comply with federal, state, or local laws.

To exercise any of the rights described above or to appeal any decision we may make in response to your request, please use one of the designated methods for contacting us as described below. We may request up to three pieces of personal information about you, such as date of birth, social security number, and address, which we will match against our business records to verify your identify. Only you, or an authorized agent acting on your behalf, may make a verifiable consumer request related to your personal information.

• Call (855) 942-2526
• E-mail support@balancecredit.com

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You can designate an authorized agent to make a request under the CCPA by providing your authorized agent with power of attorney or provide us with written permission that you have authorized the agent to act on your behalf.

Children’s Privacy

The Site is not intended for use by children. We do not knowingly collect personal information from children under the age of 18 years. Please contact us if you believe we may have unknowingly collected information about a child under 18 years of age, and we will take immediate steps to delete any such personal information.

Changes

Our Privacy Policy reflects our current business practices and is subject to change without notice except as required by applicable law.

We reserve the right, in our sole discretion, to modify, add, revise, or delete provisions of our Privacy Policy at any time. If our practices change regarding your personal information, we will post an updated Privacy Policy to the Site. Any Privacy Policy changes posted to the Site will go into immediate effect, as indicated by the “Last Updated / Effective Date” above. We may make other reasonable efforts to provide notice to you of these changes as required by applicable law. Your use of the Site after an update to the Privacy Policy means that you accept the changes to the Privacy Policy. We encourage you to visit our Site regularly so that you remain aware of any such changes to our Privacy Policy.

Contact Us

If you have questions about this Privacy Policy, please contact us:

Braviant Holdings, LLC
Attention: Legal
306 W Erie Street, Suite 300 Office 1
Chicago, IL 60654

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