1. How Vetary collects your information.
If you open an account or use the Vetary Service, we may collect the following types of information: Personal information - your name, Social Security number, address, phone, email, third-party application IDs, and other similar information. Financial information - bank account numbers and/or credit card numbers that you link to your Vetary account or give us when you use the Services. Before permitting you to use the Services, we may require you to provide additional information, including but not limited to your date of birth, social security number and other personal information. We may use this information to verify your identity or other information you provide.
In general, and as described in detail below, we collect several types of information from you:
Personal information required to verify your identity
Personal and financial information necessary to assess your eligibility to borrow money through Vetary.
Optional personal information you may wish to share in the furtherance of your goals in using our site
Information about your visits to and use of this web site or the websites of third party services to help us maintain the appropriate features, functionality and user experience.
1.2 INFORMATION WE COLLECT
We collect personal and financial information from you while you use the site, and most of this collection occurs during registration. Some information is required and some is optional. We always let you know which is which. Additional information may be gathered during your subsequent use of the site, whenever you choose to provide it.
Certain personal information must be supplied during the borrower registration processes, as indicated below, in order to (a) enable registered users to login to the site, (b) determine borrowers' eligibility for loans, (c) verify borrowers' identities, (d) establish borrowers' ability to request loans verifying that they are at least 18 years of age, and (e) guard against potential fraud. This basic personal information includes:
Your name (member registration)
Your email address (member registration)
Your date of birth (borrower registration)
Your home address and telephone number (borrower registration)
Your Social Security number (borrower registration)
When you register as a borrower, we will use this information to pull a credit report from a credit bureau to determine your creditworthiness as well as to assess your loan request in the context of your overall financial situation. We will also use your required and optional information to facilitate activities and transactions that need to occur during the lending process, such as:
Assigning you a borrower credit grade based on your credit history and financial circumstances
Enabling our financial services partners to implement automatic payments and fund transfers
Contacting you if there is a problem completing a transaction you requested or to discuss a problem with your account
Implementing collection activities as needed
Maintaining regular communications with you concerning transactions you initiate, such as requesting information or assistance, submitting a loan request, making payments, transferring funds, etc.
In addition, we gather names and email addresses of people who contact us through our web site with questions about our company or lending/borrowing operations. We collect this information for the sole purpose of responding to such inquiries and do not store the contact information unless requested by these people, such as in the case of job applicants who submit resumes, etc.
1.3 Information Vetary Learns From Your Use.
Finally, we (and/or our service providers) will collect information when you visit the Vetary website or use the Services, we may collect information sent to us by your computer, mobile phone or any other device. This information may include your IP address, device information including but not limited to identifier, name and type, operating system, location, mobile network information and standard web log information, such as your browser type, traffic to and from our site, the pages you accessed on our website, and any other available information. We may also collect information about your use and interaction with our website, application or the Services. For example, we may evaluate your computer, mobile phone or other access device to identify any malicious software or activity that may affect the availability of the Services. When you use the Services, we may also store information based on your usage history. This includes, but is not limited to, details of your purchases, content you viewed, event information, click stream information, and cookies that may uniquely identify your browser or your account. We may also collect information about you from any contact you have with any of our services or employees, such as, with our customer support team, in surveys, or through interactions with our affiliates.
We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
1.4 Cookies and Anonymous Identifiers.
1.4 Information Obtained from Third Parties.
1.5 How Vetary Protects Your Information.
Vetary stores and processes your information maintaining physical, electronic and procedural safeguards. We maintain physical security measures to guard against unauthorized access to systems and use safeguards such as firewalls and data encryption. We enforce physical access controls to our buildings, and we authorize access to personal information only for those employees who require it to fulfill the responsibilities of their jobs.
2.0 How Vetary Uses Your Information
2.1 Communication from Our Site
When you register on our site you will receive emails that confirm specific actions you requested. You will receive notifications confirming your registration, the successful verification of email addresses and bank accounts, and confirmation of successful submissions of loan requests. You will also receive progress updates on the status of loan requests. These are transactional notifications that you cannot opt out of receiving, as they are in place to protect the security of your account and your personal information. We may also send you responses to emails you send us, if appropriate or applicable. From time to time, we will also send user surveys, requests for user feedback regarding user experience and site operations.
2.2 To Improve Our Service.
Vetary uses information to perform and improve our services, contact you, conduct research, and provide anonymous reporting for clients. For example, we may use information to provide customer service and support, process transactions, resolve disputes, collect payments, prevent illegal activities, customize the Services, reduce risk to all parties involved in our transactions, and verify the accuracy of information.
2.3 To Service Relevant Marketing.
We may use information to deliver targeted marketing, service update notices, and promotional offers based on your communication preferences. We may combine your information with information we collect from other companies and use it to improve and personalize the Services, content, and advertising.
3.0 How and When is Your Information Shared With Other Parties
Information is shared with other parties in the following ways:
3.1 - For Everyday Business.
We share your personal information with employees, affiliates, vendors, partners and third parties as required to offer the Vetary Service. This includes, but is not limited to, processing transactions, maintaining your account, responding to court orders and legal investigations, litigation purposes, complying with audits or other investigations, and reporting to credit bureaus.
3.2 - When Required by Law.
We will share your information with any party when required by law or by a government request to do so or to combat fraud or criminal activity.
3.3 - Vetary Operations.
Operations, collection agencies, electronic payment service providers, and customer support call centers. Information is shared with these third parties only to the extent necessary for us to process the transactions you initiate or perform other specific services, like collections. Our partners are legally required to keep your information private and secure.
4.0 How Vetary Does NOT Use Your Information.
4.1 Selling Information to Third Parties
We don't sell or rent your personal information to third parties.
5.0 What Are Your Options?
If you no longer wish to receive notifications about our Services, you may change your notification preferences by emailing firstname.lastname@example.org. Vetary reserves the right to close your account should you opt of the crucial notices that are required to perform the Vetary Service.
5.2 SMS Messaging.
You can opt out of receiving SMS messages by emailing email@example.com. Alternatively, you may be able to indicate your preference by logging into your account and adjusting your preferences or by following the directions provided with the communication. Again, Vetary reserves the right to close your account should you opt of the crucial notices that are required to perform the Vetary Service.
5.3 Contact Vetary.
Vetary Privacy Notice
What does Vetary, Inc. do with your personal information?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
The types of personal information we collect and share depend on the product or service you have with us. This information can include: - Social Security number and account balances
- Transaction history and account transactions
- Credit scores and checking account information
When you are no longer our customer, we continue to share your information as described in this notice.
All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Vetary, Inc. chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does Vetary, Inc. share?
Can you limit this sharing?
For our everyday business purposes--
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
For our marketing purposes--
to offer our products and services to you
For joint marketing with other financial companies
We don't share
For our affiliates' everyday business purposes--
information about your transactions and experiences
We don't share
For our affiliates' everyday business purposes--
information about your creditworthiness
We don't share
For nonaffiliates to market to you
We don't share
Who we are
Who is providing this notice?
What we do
How does Vetary, Inc. protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Vetary, Inc. collect my personal information?
We collect your personal information, for example, when you
- Apply for a loan or open an account
- Provide account information or pay your bills
- Use your credit or debit card
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?
Federal law gives you the right to limit only
- sharing for affiliates' everyday business purposes--information about your creditworthiness
- affiliates from using your information to market to you
- sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Vetary, Inc. does not share with our affiliates.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Nonaffiliates we can share with include our marketing service providers.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Vetary, Inc. doesn't jointly market.