Updated: March 18, 2019
Types and Use of Information We Collect
Information You Provide to Us
You may provide information to us in various ways, such as through forms, features or other means offered through our Services. A couple of examples include information you provide to us when registering as a member, and feedback forms where you send us comments, questions, or other feedback. The types of information you provide us fits into two general categories:
Personal Information: LevelCredit collects the following Personal Information from you when you sign up and use our Services: Contact Information - name, email address, mailing address, phone number, etc.; Identity Verification Information - Social Security Number, date of birth, cellular phone number, person associated with the identified bank account, etc; Payment Information - credit card or bank account numbers, billing addresses, bank account transactions, etc.
Non-Personal Information: This is information about you or your household that doesn't identify you personally, including but not limited to: gender, salary, demographic data, marital status, loan and credit card monthly payment, total amount and interest rates, home value, etc.
Information We Automatically Collect
In addition to information you provide to us, we automatically collect certain information about how you access and interact with our Services ("Usage Information"). This Usage Information is a key part of how we improve your LevelCredit experience and provide you with more personalized insights and recommendations. We and our partners may use various technologies to collect and store Usage Information in connection with our Services. These may include things like cookies, browser web storage (e.g., HTML5), web beacons and similar technologies. There are three types of Usage Information we may collect:
Device Information. This is information about how you access our Services, such as the operating system, hardware model, application or browser type and version, and unique identifiers associated with your device. We may also integrate with built-in device features.
Log Information. There are certain pieces of information we automatically collect in system logs or similar files about how you interact with our Services, such as which features you visit or click on. This Log Information may also include things like your IP address, browser or device configuration, date and time of access and cookie information.
Location Information. We may use certain information like your IP address or other Device Information or Log Information to estimate your location (e.g., your city or state). We may also request to use location-enabled services on your device (which typically provide GPS or Wi-Fi access point details) to enhance our Services. We will only use these location-enabled services on your device with your consent.
Information Third Parties Provide About You
Some of our features rely on information about you that we collect from third parties, such as the credit reports and credit scores we request on your behalf from Experian, TransUnion and Equifax. We may also work with different third party partners to supplement the Usage Information and other information we collect directly from you. For example, our partners may provide us with information such as employment or income data, vehicle or driver information, or information about special offers available based on your credit profile so that we can give you more personalized recommendations. We might also collect information from other users like you through things like a member referral program.
Use of Your Data
We use the information we collect from you and third parties to operate our Services, communicate with you, conduct research and development to improve or enhance our Services and our users' experience, and promote our Services. These are a few examples:
To create your account and provide the Services to you. We use the information we collect to create and secure your account, create and maintain your account, and to provide the Services to you.
To provide features to you, such as your credit score and profile. We use the information we collect to provide you with credit profile analysis and simulation for, credit score display and monitoring, rent payment reporting to credit bureaus for and full credit report purchase. The information we collect also goes into developing and bringing you various other features and personalized offer recommendations.
To improve our recommendations and insights. The information we collect also helps us tailor our content and improve the way we match you to recommended offers or insights.
To communicate with you, either directly or through our partners. We use information we collect to provide you with member support or to send you things like service-related announcements, recommendations, offers from our partners and other updates or promotions. Most of the time we'll communicate with you by email, but we may also send you push notifications, browser notifications, or physical mail.
To conduct research and to improve and promote our services. We use the information we collect to conduct research and to improve or enhance and promote our Services.
For legal reasons. We reserve the right to access, use, preserve, transfer or disclose, at any time without notice to you, any information (including Personal Information) as reasonably necessary to:
Comply with any applicable law, regulation, subpoena or legal process, or respond to any governmental requests and cooperate with law enforcement, if we believe such action is required or permitted by law;
Enforce our Terms of Service, including investigating any potential violations;
Protect the safety, integrity, rights or security of our members, our Services or equipment, or any third party; or
Detect, prevent or otherwise address fraud, security or technical issues related to our Services or our partners.
Disclosure of Your Personal Data
We do not share your credit reports or scores with unaffiliated third parties (except agents acting on our behalf, as explained below).
We do not sell your Personal Information to or share your Personal Information with unaffiliated third parties for their own advertising or marketing purposes.
We may share information about you, including Personal Information, with third parties in a variety of ways, such as:
When we collaborate with third parties to provide and improve our Services. We may sometimes share information about you with third parties we collaborate with in connection with providing or improving our Services. We may also share information like the feedback you submit to us if it relates to both our Services and a partner's products. When we share information with third party collaborators, they are also obligated to not share your credit reports or scores with unaffiliated third parties or sell your Personal Information to unaffiliated third parties for their own advertising or marketing purposes. Our third party collaborators may use the information in connection with their own activities to the extent allowed under their own privacy practices (e.g., respond to your feedback, conduct additional research, or improve a feature of theirs).
Our partners when you ask for their services. We may also give you opportunities to interact with third party partners through our Services, such as when we provide you with the opportunity to review and send your personal information to a partner in order to pre-populate your application on the partner's site or we send you to the partner's site for you to provide the information directly to them. In some cases, if you click through to go to a partner's site, you will automatically be sending your personal information to that partner. When this happens, you will still have to submit your application on the partner's site. Any information you provide to the partner, whether through us or on your own, will be subject to their privacy practices and terms and conditions.
When you publicly post the information. As part of our Services, we may provide opportunities for you to publicly post reviews, questions, comments, suggestions or other content, which may include Personal Information and portions of your account designated as public profile information, like your name or user name. Anything you share in a public forum is public.
As Part of a Corporate Change. We may disclose and transfer information about you to a third party as part of, or in preparation for, a change of control, restructuring, corporate change, or sale or transfer of assets. If such a business transfer results in a material change in the treatment of your Personal Information, you will be notified by e-mail (using the primary email address on your account) or by a prominent notice on our site.
For Legal Reasons. We reserve the right to transfer or disclose information about you to third parties for certain legal purposes.
With Your Consent. There may also be other limited contexts in which we share specific types of personal information with your express consent.
We may also share with third parties de-identified or aggregated data we collect, such as de-identified or aggregated credit reports or scores, de-identified demographic information, or information about the computer or device from which you access the Service. We share such information for a variety of purposes, including to analyze Service usage, develop shared services, and improve our own products and features.
Links to Third Party Websites
Security of Your Personal Data
LevelCredit is committed to protecting the security of your Personal Data. We use a variety of industry-standard physical, electronic, and procedural safeguards to help protect your Personal Data from unauthorized access, use, or disclosure. We also require you to enter a password to access your account information. Please do not disclose your account password to unauthorized people. We also encourage you to change your password frequently. We specifically do not store your bank account login credentials, and you will need to reconnect through Plaid from time to time in order to maintain your connection.
From the time you login to our Site, communications between your computer and our Site are encrypted using secure socket layer (SSL) technology. We also use SSL to communicate with our Third Party Service Providers. While LevelCredit uses these and other reasonable efforts to protect your Personal Data, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, LevelCredit cannot guarantee absolute security of your Personal Data.
You can manage your communications preferences by visiting your account profile. We also include "unsubscribe" instructions in marketing emails. You may also have the ability to adjust app- or browser-specific communications settings (e.g., for things like push or browser notifications) within the settings screen of your mobile app or browser.
Our Interest-Based Advertisement Practices
Advertising Service Providers
Correcting and Updating Your Personal Information
To review and update your personal information to ensure it is accurate, contact us by email.