3. How we collect your Personal Information

We collect your Personal Information directly from you when you enter it or otherwise provide it in connection with an inquiry into our Company and/or Services. This information could be provided via an online form, over the phone, or via other means in which you interact with our Company. Your Personal Information is also collected when you sign our contract to become an account holder.

We may obtain your personal information from other sources, such as credit bureaus, our service providers, lead generators, our customers, lenders, and other partners. The information that we receive from other sources may include contact information, demographic information, consumer credit reports, credit history, credit scores, and other consumer reports/credit information, financial information (e.g., information about an account and the terms, amount, usage, or disposition of a loan or other financial product received from, for example, an affiliate or partner), and internet or other electronic network activity information.

Additionally, we may obtain Personal Information from third-party data sources, including data analytics partners and service providers that assist us in maintaining our website and delivering our Services.

We also collect your Personal Information through tracking technologies such as cookies when you visit our website. We utilize cookies that are strictly necessary for the operation of our website and the provision of our Services. Functional cookies may be employed to enable specific features, allowing us to remember your preferences and avoid requiring you to re-enter information on subsequent visits. Furthermore, we use analytical cookies to gain insights into website functionality and user interactions. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you. You may choose to set your web browser to refuse cookies or to alert you when cookies are being sent. If you do so, please note that some parts of our Website may not function properly. Please see the section below, “Information We Collect Through Automatic Data Collection Technologies,” for more information.

Please note that we do not utilize technology that recognizes “do-not-track” signals or global privacy settings from your browser, as our tracking is limited to aggregate statistical purposes only.

Information We Collect Through Automatic Data Collection Technologies:

As you navigate through and interact with our Site, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, which may include, details of your visits to our Site, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website; and information about your computer and internet connection, including your IP address, operating system, and browser type. The information we collect automatically may include Personal Information, or we may maintain it or associate it with personal information we collect in other ways or receive from third parties.

The information we collect through automatic data collection helps us to improve our Website and to deliver a better and more personalized service, by enabling us to estimate our audience size and usage patterns; store information about your preferences; allow us to customize our Website according to your individual interests; speed up your searches; and recognize you when you return to our Website.

• The Technologies We Use for This Automatic Data Collection:
  • Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.
  • Flash Cookies. Certain features of our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Website. Flash cookies are not managed by the same browser settings as are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, see Choices About How We Use and Disclose Your Information.

4. Using and sharing your Personal Information

We may share non-SMS-related Personal Information with trusted service providers for business operations or as required by law. However, phone numbers and SMS-related data are treated as strictly confidential and will never be disclosed to third parties for any purpose outside of necessary communication services.

We may share your Personal Information with authorized third-party service providers who are under contract to perform specific services on our behalf. This includes your identifiers, customer records, protected classifications, internet activity, geolocation, commercial information, professional details, employment history, and consumer inferences. These services may encompass communications, account holder assistance, customer service, processing customer care and opt-out requests, performing business and website analytics, and maintaining our website. Such sharing is essential for our daily business operations, and you cannot limit this sharing unless you choose to cancel your account.

We will disclose and share your Personal Information as directed by you and with your consent, as specified in your account holder agreement with Clarity. Additionally, we may disclose your Personal Information to protect the safety, property, or legal rights of our Services and account holders, prevent fraud, and manage our technology infrastructure and security. We will also disclose your Personal Information as required by law, in response to legal processes, court orders, or investigations, including requests from law enforcement and credit bureaus. Furthermore, we may share your Personal Information with any entity that may acquire all or part of our business or assets or in connection with any change in control of Clarity.

The information we collect is used for the following purposes:

• To provide information regarding our Services in response to website inquiries.
• To verify and process account transactions.
• To maintain your account.
• To offer account holder services, including newsletters, special events, new services, and promotional offers.
• To communicate with you through emails, phone calls, social media messages, and/or text messages.
• To process customer service requests.
• To provide, maintain, and protect our website and Services.
• To improve the content, operation, appearance, and utility of our website and Services.
• To conduct surveys, research, and evaluations.
• To troubleshoot and resolve disputes.
• To gather demographic and analytical data and perform administrative tasks.

SMS Consent and Use of Phone Numbers

In alignment with TCR compliance, we emphasize the following:

• Consent-Based SMS Communication: We only send SMS communications to individuals who have provided explicit consent. SMS messages are limited to necessary updates directly related to the services we offer.
• No Sharing of SMS Consent Data: All SMS opt-in and phone number information is securely stored and will not be shared with any third parties, affiliates, or business partners for marketing or promotional purposes. This information is collected solely for internal use to provide the agreed-upon services.
• Non-Transferable Opt-In Data: Any SMS consent or opt-in data collected from our users is strictly non-transferable and cannot be used by any third party. This ensures that all SMS interactions remain confined to our organization and are used solely for the purposes initially agreed upon.

Opting Out & Unsubscribing

If you no longer wish to receive marketing email communications, you can easily unsubscribe by clicking the unsubscribe link located at the bottom of any email. For further assistance, you can email us at unsubscribe@usclarity.com.

To stop receiving text messages, simply text STOP, QUIT, END, CANCEL, or UNSUBSCRIBE to our messaging number. You will receive a one-time confirmation text indicating that you have successfully unsubscribed. If you need help or have additional questions, please text HELP or contact us via email: unsubscribe@usclarity.com. We respect your preferences and are committed to ensuring your choices regarding communication are honored.

Retention of Personal Information

Clarity will retain your Personal Information only as necessary to provide our Services as outlined in this Privacy Policy. We may retain aggregated information for internal analytical purposes to enhance our website and Services; this retention is typically for a short duration unless the information is needed for security improvements or if we are legally required to retain it for a specific period.

We will also retain and use your Personal Information to comply with legal obligations, applicable laws, resolve disputes, and enforce our legal agreements and policies. Our practices are designed to ensure compliance with industry regulations, including those related to consumer protection and data retention.

Transfer of Personal Information

Personal Information collected for our Services is processed at Clarity’s operating offices and other locations involved in handling Personal Information. Your Personal Information may be transferred to and stored in systems located outside your state, province, country, or other governmental jurisdictions, where data protection laws may differ from those in your location.

By continuing to use this website, signing up as an account holder, or submitting an inquiry through this website, you acknowledge and consent to this Privacy Policy and agree to the transfer of your Personal Information as necessary to provide our Services. We are committed to ensuring that your Personal Information is handled securely and in compliance with applicable laws.

5. Security of your Personal Information

We take the security of your Personal Information seriously and will implement all reasonable measures to protect it in accordance with this Privacy Policy. We will not transfer your Personal Information to any organization or country that does not provide adequate safeguards for its security.

We are committed to continuously improving our security practices to protect your data. We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls.

The safety and security of your information also depend on you. Where we have given you, or where you have chosen, a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. While we strive to use commercially acceptable means to protect your Personal Information, please be aware that no transmission or storage method can be guaranteed to be completely secure. We cannot guarantee the security of your personal information transmitted to our Site. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.

6. State Specific Consumer Privacy Notices

California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA)

On January 1, 2020, the California Consumer Privacy Act (CCPA) secured new privacy rights for California consumers. As of January 1, 2023, the California Privacy Rights Act (CPRA) further strengthened and expanded these rights. The CCPA and CPRA provide California residents with broad rights regarding their personal information and impose significant new obligations on covered businesses.

Rights of California Consumers

Consumers in California have the following rights under the CCPA and CPRA:

• Right to Know: Consumers have the right to know what information we collect about them, from which sources, how it is used, and to whom it is disclosed.
• Right to Access: Consumers have the right to request a copy of the personal information we have collected about them.
• Right to Delete: Consumers have the right to request the deletion of their personal information from our systems.
• Right to Opt-Out: Consumers have the right to opt out of the sale or share their personal information with third parties.
• Right to Non-Discrimination: Businesses cannot discriminate against you in price, service, or other terms if you choose to exercise any of your rights under the CCPA/CPRA.

How to Exercise Your Rights

You may make these requests related to your California privacy rights by sending an email to unsubscribe@usclarity.com. When you make a request, we may ask you to provide verifying information, such as your name, email, or phone number. We will review the information provided and may request additional information via email or other means to ensure we are interacting with the correct individual. Please note that for certain requests, we may ask you to provide additional documentation to verify your identity. We will process your request within 45 days. If more time is needed, we will notify you within the first 45 days. Please also be aware that making any such request does not ensure complete or comprehensive removal or deletion of personal information or content you may have posted, and there may be circumstances where the law does not require or allow us to fulfill your request.

Categories of Personal Information Sold or Shared

We may sell or share the following categories of personal information:

• Identifiers (e.g., name, email address, phone number)
• Commercial information (e.g., transaction history)
• Internet or other similar network activity (e.g., browsing history)

If we do not sell or share personal information, we will clearly state that in this section. If this policy changes in the future, we will update it accordingly.

Data Retention

We retain personal information for as long as necessary to fulfill the purposes for which it was collected or as required by law. If you request deletion of your data, we will remove it unless it is needed for legal or business purposes.

Shine the Light Law

In addition to the CCPA, California’s Shine the Light Law (Civil Code Section 1798.83) permits users of our Website who are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please email unsubscribe@usclarity.com.

Nevada Residents’ Privacy Rights

If you are a resident of Nevada, you have additional rights regarding the control of your Personal Information. Certain exemptions may apply. Our third-party service providers may utilize technologies that could be considered a “sale” of Personal Information under applicable law. You have the right to instruct us not to sell or share your Personal Information for targeted or cross-context behavioral advertising purposes. If you wish to opt out of the use of your Personal Information for interest-based advertising and potential sales as defined by law, you may do so by calling (855) 242-8888. We will process your requests within 15 business days of receipt, subject to any applicable exceptions and extensions permitted by law. Please note that any opt-out request is specific to the browser you are using, and you may need to opt-out on each browser you utilize.

7. Children’s Privacy

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personally identifiable information from anyone under this age. If you are a parent or guardian and believe that your child has provided us with Personal Information, please contact us immediately at contactus@usclarity.com.

In the event that we discover we have collected Personal Information from a child under 18 without verified parental consent, we will take prompt action to delete that information from our systems. We are committed to protecting the privacy of children and ensuring compliance with applicable laws.

8. How Long We Retain Your Information

We retain personal information about you for as long as necessary to provide you with our Services. In some cases, we retain personal information for longer, if doing so is necessary to comply with our legal obligations, resolve disputes or collect fees owed, prevent fraud, enforce this Privacy Policy, or as otherwise permitted or required by applicable law, rule or regulation.  Afterwards, we retain some information in a de-identified and/or aggregated form but not in a way that would identify you personally.

9. DNC Policy and Consent to Contact

By contacting us you are consenting to being contacted by us or by our business partners in return, through any means, based on the information you provide, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state Do Not Call List or the Do Not Call List of any specific institution.

10. Services Limited to the United States

The Company is designed to provide services in the United States and is governed by the laws of the United States. All Company Services may not be available in every U.S. state or territory. We make no representation that the Company’s services are governed by or operated in accordance with the laws of any other nation or foreign jurisdiction.

11. Changes to this Privacy Policy

We reserve the right to modify this Privacy Policy as necessary to comply with applicable laws and regulations. We encourage you to review this policy regularly for any updates. Unless otherwise specified, changes will take effect immediately upon posting. By continuing to use our Sites or Services, you acknowledge and accept these changes.

If we determine that a modification will result in the use of your Personal Information in a materially different manner than previously disclosed, we will notify you prior to implementing the new use. In the event of changes related to SMS consent or the use of phone numbers, we will directly inform affected individuals or update our website accordingly.

It is your responsibility to ensure that we have an active and deliverable email address for you. We also recommend periodically checking our Sites and this Privacy Policy for any updates. The date of the most recent revision to this Privacy Policy is indicated at the top of this page.

12. Contact Information

To ask questions or comment about this privacy policy and our privacy practices, please email us at compliance@usclarity.com. 

To register a complaint or concern, please email contactus@usclarity.com or write to us at 17875 Von Karman Ave., Ste 150-250 Irvine, CA 92614, ATTN: Compliance Team.