Effective and last updated September 7, 2023
New American Funding, LLC ("NAF," "we," "our," or "us") respects the privacy of your information. This Privacy Policy is designed to assist you in understanding how we collect, use, share, and safeguard your information. This Privacy Policy applies to individuals who access this website and our mobile applications (collectively, "Sites") and any of our online and, where required, offline services (collectively, "Services").
From time to time, we may change this Privacy Policy. If we do, we will post an amended version on this webpage. Please review this Privacy Policy periodically.
If you have a consumer financial product or service with us, we will use and share any information that we collect from or about you in accordance with our U.S. Financial Privacy Notice, which offers you certain choices with respect to the use and sharing of your personal information.
For more information as to our use of cookies and other tracking technologies, please see our Cookie Policy.
This Privacy Policy covers the following topics:
We collect personal data from you through your use of the Sites and Services. Personal data is information that is linked or reasonably linkable to an identified or identifiable individual. We collect the following types of personal data:
Personal Data You Provide
We collect the following personal data that you voluntarily provide to us in using our Sites and Services:
To review or request changes to any of your personal data, please contact us as described in the "HOW TO CONTACT US" section below.
Personal Data as You Navigate Our Sites
We automatically collect certain personal data through your use of the Sites and our use of cookies and other tracking technologies, such as the following:
To learn more about how we use cookies and to manage your cookie settings, please see our Cookie Policy.
Personal Data We Collect About You from Other Sources
In some cases, we may receive personal data about you from other sources, such as advertising networks, internet service providers, data analytics providers, government entities, operating systems and platforms, social networks, and data brokers.
We use the personal data we collect to provide the Services to you, to improve our Sites and Services, and to protect our legal rights. In addition, depending on how you interact with our Sites and Services, we may use the personal data we collect to:
We may share the personal data that we collect about you in the following ways:
Third Party Processors
We use financial information to process your transaction, to improve and expand our service, and to determine your financial health. If you register as a borrower, we will use financial information about you to facilitate your loan request and service your loan. We use this information to process your loan application or transaction and enable payments and fund transfers with financial institutions. If you consent to have NAF request your financial information directly from your financial institution, we may work with a third party to access and collect such information on our behalf.
Software
Company's Websites and Apps may use the Google Maps API, Google Places API Google Geocoding API, Google Geolocation API, Google Street View Static API, Google Maps Elevation API, and/or other Google offerings. Google's Privacy Policy is incorporated herein by reference.
The Sites recognize the Global Privacy Control ("GPC") signal. If you are using a browser setting or plug-in that sends an opt-out preference signal to each website you visit, we will treat that as a valid request to opt out. To download and use a browser supporting the GPC browser signal, click here: https://globalprivacycontrol.org/orgs. If you choose to use the GPC signal, you will need to turn it on for each supported browser or browser extension you use.
Some internet browsers incorporate a "Do Not Track" feature that signals to websites you visit that you do not want to have your online activity tracked. Given that there is not a uniform way that browsers communicate the "Do Not Track" signal, the Sites do not currently interpret, respond to, or alter their practices when they receive "Do Not Track" signals.
We maintain commercially reasonable security measures to protect the personal data we collect and store from loss, misuse, destruction, or unauthorized access. However, no security measure or modality of data transmission over the Internet is 100% secure. Although we strive to use commercially acceptable means to protect your personal data, we cannot guarantee absolute security.
The Sites may contain links that will let you leave the Sites and access another website. Linked websites are not under our control. We accept no responsibility or liability for these other websites.
The Sites and Services are not intended for children under 13 years of age. We do not knowingly collect, use, or disclose personal data from children under 13.
The California Consumer Privacy Act, as amended by the California Privacy Rights Act of 2020 ("CCPA"), requires that we provide California residents with a privacy policy that contains a comprehensive description of our online and offline practices regarding the collection, use, disclosure, sale, sharing, and retention of personal information and of the rights of California residents regarding their personal information. This section of the Privacy Policy is intended solely for, and is applicable only as to, California residents. If you are not a California resident, this section does not apply to you and you should not rely on it.
The CCPA defines "personal information" to mean information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular California resident or household. Personal information does not include publicly available, deidentified or aggregated information or lawfully obtained, truthful information that is a matter of public concern. For purposes of this "NOTICE TO CALIFORNIA RESIDENTS" section, we will refer to this information as "Personal Information."
The CCPA's privacy rights described below do not apply to Personal Information that we collect, process, sell, or disclose subject to the federal Gramm-Leach-Bliley Act and its implementing regulations or the California Financial Information Privacy Act. Because we are subject to those laws and regulations, much of the Personal Information that we collect is exempt from the CCPA. Your choices and rights with respect to our use and sharing of that information are subject to our U.S. Financial Privacy Notice.
The CCPA's privacy rights also do not apply to certain types of Personal Information subject to the federal Fair Credit Reporting Act ("FCRA"). Some of our services are subject to the FCRA and, therefore, exempt from the CCPA on that basis.
If you are a California resident and a current or former employee, job applicant, or independent contractor of ours, please see our California Privacy Policy for Applicants and Employees for more information on our collection and use of your Personal Information in that capacity.
Notice at Collection of Personal Information
We currently collect and, in the 12 months prior to the Last Updated Date of this Privacy Policy, have collected the following categories of Personal Information:
We collect Personal Information directly from California residents and from advertising networks, internet service providers, data analytics providers, government entities, operating systems and platforms, social networks, and data brokers. We do not collect all categories of Personal Information from each source.
In addition to the purposes stated in the "HOW WE USE YOUR PERSONAL DATA" section above, we currently collect and have collected the above categories of Personal Information for the following business or commercial purposes:
Sale, Sharing, and Disclosure of Personal Information
The following table identifies the categories of Personal Information that we sold or shared to third parties in the 12 months preceding the Last Updated Date of this Privacy Policy and, for each category, the categories of third parties to whom we sold or shared Personal Information:
Category of Personal Information | Categories of Third Parties |
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Identifiers (name, alias, postal address, online identifier, Internet Protocol address, email address, account name) Unique personal identifiers (device identifier; cookies, beacons, pixel tags, mobile ad identifiers, or other similar technology; customer number, unique pseudonym, or user alias; other forms of persistent or probabilistic identifiers that can be used to identify a particular consumer or device) Personal information described in California's Customer Records statute (California Civil Code § 1798.80(e)) (physical characteristics or description, telephone number) |
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Characteristics of protected classifications under California or federal law (age (40 and older)) |
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Internet or other electronic network activity information (browsing history; search history; and information regarding consumer's interaction with website, application, or advertisement) |
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Geolocation data Audio, electronic, visual, or similar information Inferences drawn from above information to create a profile about a consumer reflecting the consumer's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes |
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We sold or shared Personal Information to third parties for the following business or commercial purposes:
The following table identifies the categories of Personal Information that we disclosed for a business purpose in the 12 months preceding the Last Updated Date of this Privacy Policy and, for each category, the categories of recipients to whom we disclosed Personal Information:
Category of Personal Information | Categories of Recipients |
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Identifiers (name, alias, postal address, online identifier, Internet Protocol address, email address, account name) |
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Identifiers (Social Security number, driver's license number, passport number) |
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Unique personal identifiers (device identifier; cookies, beacons, pixel tags, mobile ad identifiers, or other similar technology; customer number, unique pseudonym, or user alias; other forms of persistent or probabilistic identifiers that can be used to identify a particular consumer or device) |
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Personal information described in California's Customer Records statute (California Civil Code § 1798.80(e)) (physical characteristics or description, telephone number, signature, bank account number, credit card number, debit card number, or any other financial information (such as bank statements and information about your income and financial obligations), medical information (such as medical debts and disability income)) |
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Characteristics of protected classifications under California or federal law (race, color, sex/gender (including pregnancy, childbirth, and/or related medical conditions), age (40 and older), national origin, disability, citizenship status, marital status, military or veteran status, status as a victim of domestic violence, request for family care leave, request for leave for an employee's own serious health condition, request for pregnancy disability leave) |
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Commercial information (records of personal property, products or services purchased, obtained, or considered; other purchasing or consuming histories or tendencies) |
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Biometric information (voice recordings, from which an identifier template, such as a voiceprint, can be extracted, keystroke patterns or rhythms) |
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Internet or other electronic network activity information (browsing history; search history; and information regarding consumer's interaction with website, application, or advertisement) |
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Geolocation data |
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Audio, electronic, visual, or similar information |
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Professional or employment-related information (including employment history); Education information |
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Inferences drawn from above information to create a profile about a consumer reflecting the consumer's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes |
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Sensitive Personal Information (Personal Information that reveals a consumer's Social Security, driver's license, state identification card, or passport number; account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account; precise geolocation (1,850 ft.); racial or ethnic origin; the processing of biometric information for the purpose of uniquely identifying a consumer) |
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We disclosed Personal Information for the following business or commercial purposes:
We do not knowingly collect, sell, or share the Personal Information of consumers under 16 years of age. We do not use Sensitive Personal Information for purposes other than those allowed by the CCPA and its regulations.
Retention of Personal Information
We retain your Personal Information for as long as necessary to fulfill the purposes for which we collect it, such as to provide you with the service you have requested, and for the purpose of satisfying any legal, accounting, contractual, or reporting requirements that apply to us.
Your Rights
If you are a California resident, you have the following rights with respect to your Personal Information:
How to Submit a Request to Know, Delete, and/or Correct
You may submit a request to know, delete, and/or correct through our interactive webform available here or by calling us toll free at (800) 450-2010 Ext. 7100.
As mentioned above, if you are a California resident who has a financial product or service with us, much of the Personal Information that we collect is exempt from the CCPA and, therefore, is not subject to the rights discussed in this "NOTICE TO CALIFORNIA RESIDENTS" section. Your choices and rights with respect to our use and sharing of that information are subject to our U.S. Financial Privacy Notice.
If you are submitting a request on behalf of a California resident, please submit the request through one of the designated methods discussed above. After submitting the request, and if the request is not subject to an exemption or exception, we will require additional information to verify your authority to act on behalf of the California resident.
Our Process for Verifying a Request to Know, Delete, and/or Correct
If we determine that your request is subject to an exemption or exception, we will notify you of our determination. If we determine that your request is not subject to an exemption or exception, we will comply with your request upon verification of your identity and, to the extent applicable, the identity of the California resident on whose behalf you are making such request.
If you maintain a password-protected account, we may verify your identity through existing authentication practices available through your account. Prior to disclosing or deleting the Personal Information, we may ask you to re-authenticate yourself with respect to that account.
If you do not maintain a password-protected account, or if you are an account-holder but we suspect fraudulent or malicious activity with your account, we will verify your identity either to a "reasonable degree of certainty" or a "reasonably high degree of certainty" depending on the sensitivity of the Personal Information and the risk of harm to you by unauthorized disclosure, deletion, or correction as applicable. To do so, we will ask you to verify data points based on information we have in our records concerning you.
Right to Opt Out of Sale or Sharing of Personal Information
If you are a California resident, you have the right to direct us to stop selling or sharing your Personal Information.
You may submit a request to opt out of sales or sharing through our interactive webform available here. If you have enabled privacy controls on your browser (such as a plugin), we will also treat that as a valid request to opt out. Please see the "OPT-OUT PREFERENCE SIGNALS" section above for more information.
Right to Limit Use of Sensitive Personal Information
California residents also have the right to limit our use or disclosure of Sensitive Personal Information if we use it for purposes other than those specified in the CCPA and its regulations. As stated above, we do not currently use or disclose Sensitive Personal Information for purposes other than those allowed by the CCPA and its regulations. However, if you are a California resident, you still may submit a request to limit, and we will record your instructions and incorporate them in the future if our policy changes. You may submit requests to limit through our interactive webform here or by calling us toll free at (800) 450-2010 Ext. 7100.
We are committed to ensuring this Privacy Policy is accessible to individuals with disabilities. If you are using a screen reader or other auxiliary aid and are having problems viewing this Privacy Policy, please call (800) 450-2010 Ext. 7100 for assistance.
We obtain contact details and other personal information regarding media contacts and influencers from a variety of sources, including Cision. If you wish to know about how such information is collected and used, please refer to Cision's privacy policy notice at: www.cision.com/us/legal/privacy-policy/.
To contact us for questions or concerns about our privacy policies or practices, please contact us via email at PrivacyRequest@nafinc.com or via telephone at (800) 450-2010 Ext. 7100.