Privacy Policy

1. Information We Collect

At FBA Finance, we are committed to protecting your privacy and ensuring transparency in how we collect, use, and safeguard your information. The data we collect enables us to provide, improve, and personalize our financial services. Our information collection falls into the following categories:

Personal Information

We collect personal data to create and manage your account and fulfill regulatory obligations. This includes:

• Your name, email address, phone number, and mailing address

• Date of birth and government-issued identifiers (e.g., Social Security Number, Tax ID)

• Employment details and income information

Financial Information

To provide our financial services, particularly in relation to credit scoring and loan eligibility, we collect:

• Bank account details (account and routing numbers)

• Credit card information

• Your transaction history on our platform

• Credit scores, financial history, and payment behavior (with your explicit consent)

Usage Data

We collect usage information when you interact with our website or mobile application to better understand user behavior and improve the functionality of our services:

• IP address and device information

• Browser type, version, and settings

• Pages visited and actions taken within our site

• Date and time of access

• Referring URLs (websites or applications that directed you to us)

We collect this information when you:

• Create an account or update your profile

• Apply for financial products or services

• Use our website or app, including viewing pages or interacting with content

• Communicate with us via email, phone, or chat

• Participate in surveys, promotions, or research activities

2. How We Use Your Information

We use the information we collect to provide, maintain, and enhance our services:

Providing and Enhancing Services

• Processing transactions and managing your account securely

• Assessing your eligibility for financial products, such as loans or credit, based on your credit score and financial history

• Personalizing your experience on our platform, recommending relevant products and services

• Developing new services to better meet customer needs

Credit Score System

We utilize a credit score system to evaluate your eligibility for certain financial products and services. Your transaction history, financial behavior, and credit score are assessed to determine your risk profile. The data we collect enables us to offer tailored financial solutions, better interest rates, and loan options that fit your financial standing.

• Credit Score Updates: You may be able to view and track your credit score through your account, giving you insights into your financial health.

• Improving Your Credit Score: Regular use of our services and timely payments may contribute positively to your score, potentially improving future borrowing opportunities.

Communication

• Sending notifications about your account activity or changes in services

• Providing customer support when needed, addressing your queries or concerns

• Sharing promotional updates (with your consent) about special offers, new services, or features that align with your financial profile

Legal Compliance and Security

• Verifying your identity to prevent fraud or unauthorized access

• Ensuring legal compliance, adhering to applicable laws, and fulfilling regulatory requirements

• Responding to legal requests from governmental authorities or parties involved in legal proceedings

• Protecting our rights and enforcing our policies

3. Information Sharing and Disclosure

FBA Finance does not sell your personal information to third parties for marketing purposes. However, we may share your information in certain circumstances, including:

• With trusted service providers who assist us in delivering our services (e.g., payment processors, credit reporting agencies, customer service platforms)

• For legal and regulatory purposes, if required to do so by law, such as complying with legal obligations or responding to valid legal requests

• During business transactions, such as mergers, acquisitions, or sales of company assets, where your data may be transferred as part of the process

4. Data Security

We prioritize the security of your information and implement robust measures to protect your data from unauthorized access, use, or disclosure. These measures include:

• Encryption of sensitive information such as financial and credit score data

• Access control mechanisms to limit access to your personal information only to authorized personnel

• Regular security audits and vulnerability assessments to ensure the integrity of our systems

5. Your Rights and Choices

You have rights regarding your personal information, including:

• Accessing your personal data, including your credit score and financial history

• Correcting or updating inaccuracies in your information

• Deleting your account or personal data (subject to legal or regulatory restrictions)

• Withdrawing consent for certain uses of your data (e.g., marketing communications)

To exercise these rights, you may contact our customer support team at any time.

6. Updates to This Privacy Policy

We may update our Privacy Policy periodically to reflect changes in our practices, technology, or legal requirements. Any updates will be communicated to you via email or through notifications on our website or app. We encourage you to review this policy periodically to stay informed about how we are protecting your information.

7. Contact Us

If you have any questions or concerns regarding our Privacy Policy, feel free to reach out to us at:

• Email: [e-mail]

• Phone: [phone]