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Special notice for Virginia residents:
Kredit Financial Inc. (Kredit) is committed to the protection of your privacy and maintaining the accuracy, confidentiality, and security of your personal information. We will treat all information provided through the Kredit website with the utmost respect. Kredit has a Privacy Policy detailing our online information gathering and dissemination practices with respect to its website. The online Privacy Policy describes the information we collect from you and about you during your visit to our website. It also describes how we use information about you, with whom we share it, and how we protect it. The Privacy Policy applies solely to information collected by the Kredit website. Kredit reserves the right to alter the Policy at our discretion. Any change to the Policy will be posted on the website in a timely manner.
Pursuant to Chapter 53 of the Trade and Commerce Title of the Code of Virginia, the state of Virginia requires that we provide residents of the state with the following information:
Effective January 1, 2023, the Virginia Consumer Data Privacy Act allows Virginia residents, upon submitting an authenticated consumer request, to confirm whether or not a business is processing their personal data and to access such personal data, to correct inaccuracies in their personal data, to request the deletion of the personal data provided by the consumer or that a business has obtained about the consumer, to obtain a copy of the personal data that a consumer has previously provided to a business in a portable and, to the extent technically feasible, readily usable format that allows the consumer to transmit the data to another business without hindrance, to opt out of the processing of a consumer’s personal data for purposes of targeted advertising, the sale of personal data and profiling in advancing decisions that produce legal or similarly significant effects concerning the consumer, and the right to appeal a business's denial to act within a reasonable time. Consistent with Virginia law, if a consumer chooses to exercise these rights, Kredit will not charge a consumer to do so, up to twice annually.
Kredit will not discriminate against a consumer because they have exercised any of their rights under the Virginia Consumer Data Privacy Act, including denying goods or services, charging different prices or rates for goods or services, or providing a different level of quality of goods and services.
Categories of Data That We Process
For the purpose of servicing your account with Kredit, we process the following categories of personal data:
For more information on the specific data types included in these categories, please refer to the “Categories of Personal Data We Collect” section of our Privacy Policy.
How We Use Personal Data
Consistent with applicable law and choices and controls that may be available to you, we may use all or some of the Personal Data we collect from you or from devices associated with you, for business purposes including the following:
Submitting a Request
You may submit a request in accordance with your rights described above by sending an email to privacy@trykredit.com or via the Support function on the main consumer landing page of the Kredit website. In order to authenticate your request, you will be required to provide your first and last name and either the phone number or email address that you used when setting up your Kredit account, so that we may confirm your identity by matching the information provided with information we maintain. If we are unable to authenticate your identity, we may request that you provide additional information reasonably necessary to authenticate you and your request. If Kredit does not take action on your request and you wish to appeal such decision, you may submit your appeal to privacy@trykredit.com.
Sharing of Personal Data with Third Parties
We do not, and without your consent sell, lease, or rent your information to third parties for monetary or other valuable consideration.
We do not share your personal information with third parties for their direct marketing use unless you elect that we do so.
We disclose your personal information to third parties for business purposes.
Categories of Third Parties
In certain circumstances we may share your personal data with the following categories of third parties:
For more information on the specific data types included in these categories, please refer to the “Sharing and Disclosure of Personal Data” section of our Privacy Policy.
For additional information regarding the contents of the above Notice, or if you wish to exercise one or more of your rights under the Virginia Consumer Data Privacy Act, please email privacy@trykredit.com.