Privacy Policy
Last Updated: May 1, 2024.
1. Introduction.
You are visiting a website owned and operated by Accord Station. Accord Station and its subsidiaries (collectively, “Accord Station”, “us”, “we”, or “our”) are committed to maintaining your confidence and trust as it relates to the privacy and usage of your information. Please read the following information carefully as it details how we collect, protect, share, and use your information. This Privacy Policy applies to Accord Station and all websites owned and operated by Accord Station on which this Privacy Policy is displayed (referred here after as Website(s) or Site(s), whether individually or collectively) as well as Accord Station affiliates.
This Agreement also applies to your use of any goods, facilities or services offered through the Websites (collectively “Services”), regardless of how they are accessed. If you do not agree with our Privacy Policy and practices regarding how Accord Station handles your personal information, you should not use our Website. Accessing or using this Website signifies and confirms your acceptance of the terms set forth in this Privacy Policy. This Privacy Policy may change from time to time in our sole discretion. Accordingly, you should visit this Website and review the Privacy Policy periodically to determine if any changes have been made. The date on which this Privacy Policy was last updated will be noted immediately above this Privacy Policy.
Please note that Accord Station or anyone working with us will not ask you for your private personal information like SSN, Banking Information or any other personal information.
2. Information We Collect.
Personally Identifiable Information. In the course of using this Website, we collect information that could identify you such as your name, age, email address, mailing address, phone number, information related to your income, and credit.
Other Information. We also collect other information that is not used to identify you, including, but not limited to, browser type, internet protocol (IP) address, device type, date and time stamp of visit, demographic data, and data about your online activity. We use cookies or similar technology to collect such information for advertising and other purposes.
3. How We Collect Information.
Information Provided by You. We collect information that you voluntarily provide when you enter it or otherwise provide it in connection with an inquiry into our Services. This information could be provided via an online phone, over the phone, electronic communication, or via other means in which you interact with our Services. Depending on the context of your interactions with us and the Services, the categories of personal information that we may collect directly from you include
Contact Information: including your name, current home and street address, state, telephone number and email address.
Identifying Information: including your name, date of birth, family name, state of origin, town and other similar identifiers.
Correspondence and Communications: including recordings of our email and phone conversations with you and any correspondence related to providing you with the Services.
Other Information You Choose to Provide: Including information you include in any webforms that you complete and submit and other information you provide during your interactions with us such as our chatbot on Freshworks
Information from Service Providers. None of your Information will be collected from third-party service providers, such as credit bureaus and service providers who may have data on your financial profile, home, or other demographic information.
Information from Cookies and Other Tracking Technologies. We use cookies, web beacons, and similar technologies to record your preferences, track the use of our Website and collect information. This information may include IP addresses, browser type, internet service provider (ISP), referring pages, operating system, date and time stamp of visit, and/or click data.
4. Information Collected through Automated Means.
When you visit and interact with our Services, we may use cookies, pixels, web beacons, software development kits (SDKs), and other similar tracking technologies to collect certain information automatically
The specific types of information we (and our services providers and partners) may collect include:
Device Information: which includes the Internet Protocol (IP) address and/or other unique identifier(s) assigned to your device; the location of your device; and other information about your browser, device, and operating system.
Usage Information: which includes information about your interaction(s) with our Services (e.g., the date and time of your visit(s); the area(s) or page(s) that you visit; the amount of time you spend on a page or use our Services; the domain name from which you accessed our Services; and other click-stream or usage information). We may use cookies or other similar technologies to collect information about your behavior on the website (e.g., how you move and scroll through our Services, your keystrokes, how you interact with webforms, etc.) and the actions that you take upon receipt of an email from us.
Chatbot Technology. We use chatbots powered by Freshworks on our Services to help provide customer service and support, including through the use of a virtual assistant. A chatbot is a software application that mimics human conversations in text or voice interactions on our website. It enables the communication between a human and a machine, which can take the form of messages or voice commands. The chatbot is designed to work without the assistance of a human operator. When asked a question, the chatbot will answer using the knowledge database that is currently available to it. The chatbot feature also allows customers to interact with a human operator. If you use our chatbot service, we will collect and maintain any information you provide to us when using the chatbot. We will also create and store a transcript of your chat interactions with us, which will be stored by our third-party service provider, Freshworks. We may use these transcripts and the information you provide for quality control, customer service, fraud prevention, and security.
Information Collected from Other Sources. We may obtain your personal information from other sources, including, for example, credit bureaus, our service providers, our customers, lead generators, social media platforms, Network Partners and other partners
The information that we receive from other sources may including contact information, demographic information, consumer credit reports, credit scores, credit history, and other consumer reports/credit information, financial information (e.g., information about an account and the terms, amount, usage, or disposition of a financial product received from a Network Partner), and internet or other electronic network activity information.
We use the personal information that we receive from other sources to help us maintain the accuracy of or supplement the information we collect; personalize your experience with our Services; conduct internal business analytics; and fulfill other business or commercial purposes described in this Privacy Policy.
5. How We Use Your Information.
We use the information that we collect about you through your interaction with this Website as well as information that you voluntarily provide to us. We may use collected information to (i) deliver the products and services you requested, (ii) personalize your user experience; (iii) communicate with you about products or services that may be of interest to you; (iv) to communicate with you via mail, email, telephone, text message/SMS, or otherwise even if your number appears on a do-not-call list or other similar registry; (v) to search for financial institutions for the purpose of determining eligibility for specific products (vi) for business purposes, such as analytics, research, advertising and marketing, and operational purposes; (vii) improve our Website; (viii) improve customer service; (ix) to comply with law enforcement and maintain the security of our Website; and (x) to perform any other functions otherwise disclosed when you provide us with your information.
6. How Do We Share Your Information.
Consent to Receive Communication. By voluntarily providing and submitting your information on our form or otherwise using our website, you opt-in to receive communications (i) from us; (ii) your funding institutions; and (iii) third parties that provide services on our behalf, such as website hosting partners, text message/SMS service providers, email marketing service providers, direct mail service providers or other parties who assist us in operating our Website, conducting our business, or serving our users.
Consent to Share Your Information. In submitting an inquiry or using the services provided through our Website, you agree that Accord Station may share your information about you or provided by you with funders and other third party funding institutions which provide services to our users collectively, to deliver the products and services you requested. These Includes third-party financial institutions, and non-funding intermediary service providers that we work with to help connect you with financial institution in our network. We may disclose each category of personal information we collect from and about you with the following categories of recipients:
Network Partners. When you use our Services to submit a claim request, we disclose your personal information to funders collectively as necessary to deliver the products and services that you requested. We may disclose your personal information with our Network Partners to provide you with information about financial products and services that may interest you/ Note that Network Partners that interact with you may use and/or retain your personal information whether or not you use their services and their handling of your personal information is subject to their privacy policies. Our Network Partners list may be updated from time to time, and we encourage you to review the list periodically to remain informed about with whom we share your information.
Our Service Providers. We disclose your personal information to third parties that provide support services to us and/or administer activities on our behalf.
Our Analytics Providers. We disclose your personal information to parties that assist us in performing analytics and help us measure the effectiveness of our Services.
Governmental and Public Authorities. We disclose your personal information to government and public authorities as necessary or permitted by the laws of any jurisdiction in which we operate, including in response to a subpoena, court order, investigative demand, request for cooperation from a law enforcement agency, or similar request from a self-regulatory body or government agency.
Other Parties. We may disclose your personal information to other parties as we believe necessary or appropriate either to: (i) comply with applicable law; (ii) protect our operations and those of our affiliates and subsidiaries; (iii) investigate and prevent against fraud and other illegal activity; (iv) protect our rights, privacy, safety, property, and/or those of others; or (v) allow us to pursue available remedies or limit damages that we may sustain. We may disclose your personal information for other reasons described at the time of information collection or prior to disclosing your information. Additionally, we may disclose your personal information with your consent or when you direct us to do so. We may de-identify, anonymize, or aggregate personal information and disclose such information to third parties for various purposes as permitted by law.
Other Situations We Share Your Information. We may also be required to share your information (i) pursuant to a subpoena, court order, legal process, and/or government or regulatory request, (ii) when we believe disclosure is appropriate in order to investigate, prevent, or take action regarding actual or suspected illegal activity or other wrongdoing, to protect and defend the rights, property, or safety of our Business, our users, or our employees, or to enforce our Website’s terms and conditions or other agreements of policies; (iii) with third parties that is not personally identifying, such as aggregated or anonymized data, in our discretion, where not
prohibited by law.
7. How We Protect Your Information.
By accessing and navigating through this Website, you hereby acknowledge and agree that Accord Station may retain your information indefinitely. Please note that any transmission of your personal information outside our network is at your own risk.
Our Commitment to Online Security. We use generally accepted industry standards to protect the security of your personal information and encrypt sensitive. Although we strive to provide accepted industry standard security measures for your personal information that we process and maintain, we guarantee the safety and security of your personal information transmitted to and through this Website.
No Liability for Acts of Third Parties. We will exercise all reasonable efforts to safeguard the confidentiality of your personal information. However, transmissions protected by generally accepted industry standard security technology and implemented by human beings cannot be made absolutely secure. Consequently, Accord Station shall not be liable for unauthorized disclosure of personal information due to no fault of Accord Station including, but not limited to, errors in transmission and unauthorized acts of third parties.
8. Third-Party Links.
This Website does not contain links to third-party websites, which may have independent privacy policies that differ from our own. We are responsible, we endorse, any of the activities and practices that take place on third-party websites. Accordingly, we assure that we have reviewed the privacy policy posted on any third-party website thoroughly before disclosing any personal information.
9. Consent to Communicate.
When you submit your personal information on this Website, you are providing your express consent to be contacted via email, telephone, postal mail or text message/SMS communication. If you wish to opt-out from us sharing your information for marketing communications, please submit your request here.
10. Modifications or Amendments.
From time to time, we may change this Privacy Policy to accommodate new technologies, industry practices, regulatory requirements or for other purposes. We will provide notice to you if these changes are material on this Website, and where required by applicable law, we will obtain your consent. For your information, the date this Policy was last updated is listed at the top of this page. Your continued use of this Website after any such changes have been made signifies and confirms your acceptance of any changes or amendments to this Privacy Policy.
11. Children Under the Age of 18.
This Website is not intended for children under eighteen (18) years of age except you are seeking for a student grant. No one under 18 years of age may access or provide any information on this Website. We do not knowingly collect personal information from children under 18 years of age.
12. Your Rights Under the CCPA.
General Information. If you are a California Resident, you are entitled to additional rights over your personal information under the California Consumer Privacy Act of 2018 (CCPA) and certain other privacy and data protection laws. This section summaries the categories of information we collect about you, why the information is collected, who we share your information with, and for what reason that information is shared.
A) Category of Information
Identifiers
Examples
Name, internet protocol address, email address, or other similar identifiers.
Source of Information
Consumer, third-party data providers, funding and financial institutions.
Purpose of Collection
For us to provide services to you, analyze your use, conduct research, maintain security of our systems and operations, and to meet our legal compliance requirements
Who Do We Share With
Funders, non-funders or intermediary service providers, customer support providers, data processing providers, law enforcement, government authorities, parties that legally compel us to share your information
B) Category of Information
Personal information categories listed in the California Customer Records statute
Examples
Name, signature, address, telephone number, driver’s license or state identification number, employment.
Source of Information
Consumer and third-party data providers
Purpose of Collection
For us to perform services you requested or to offer services to find free assistance programs, like locating funders or non-funders, we conduct research, maintain security of our systems and operations, and to meet our legal compliance requirements
Who Do We Share With
Funders, non-funders or intermediary service providers, customer support providers, data processing providers, law enforcement, government authorities, parties that legally compel us to share your information
C) Category of Information
Protected classification characteristics under California or federal law
Examples
Age, military status
Source of Information
Consumer and third-party data providers
Purpose of Collection
For us to perform services you requested or to give your information to possible funders on your behalf or to intermediary service providers and for us to analyze your data, conduct research, maintain security of our systems and operations, and to meet our legal compliance requirements
Who Do We Share With
Funders or financial institutions, intermediary service providers, marketing partners, advertising partners, service providers, customer support providers, data processing providers
D) Category of Information
Commercial information
Examples
Product or service provider sites you choose to navigate to
Source of Information
Consumer and third-party data providers
Purpose of Collection
For us to perform services you requested or to offer products on behalf of funding institutions or intermediary services providers and for us to assist to you, analyze your use, conduct research, maintain security of our systems and operations
Who Do We Share With
Funding institutions or intermediary service providers, government agencies, customer support providers, data processing providers
E) Category of Information
Biometric data
Examples
Keystroke or other behavioral or biological characteristics
Source of Information
N/A
Purpose of Collection
N/A
Who Do We Share With
N/A
F) Category of Information
Internet or similar network activity
Examples
Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement
Source of Information
Consumer, clients and web browsers.
Purpose of Collection
For us to perform services you requested or to offer products on behalf of funding institutions or intermediary services providers and for us to
analyze your use, conduct research, maintain security of our systems and operations
Who Do We Share With
Web analytics providers, security/anti-fraud providers
G) Category of Information
Geolocation data
Examples
Physical location or movements
Source of Information
Consumer and web browsers
Purpose of Collection
For us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain security of our systems and operations, and to meet our legal compliance requirements
Who Do We Share With
Marketing partners, advertising partners, web analytics providers, security/anti-fraud providers
H) Category of Information
Sensory data
Examples
Audio, electronic, visual, or similar information
Source of Information
N/A
Purpose of Collection
N/A
Who Do We Share With
N/A
I) Category of Information
Professional or employment-related information
Examples
Current employer, length of employment
Source of Information
Consumer and third-party data providers
Purpose of Collection
For us to perform services you requested or to offer products on your behalf to find funding institutions or intermediary services providers and for us to analyze your use, conduct research, maintain security of our systems and operations
Who Do We Share With
Funding institutions or intermediary service providers, customer support providers, data processing providers
J) Category of Information
Inferences drawn from other personal information
Examples
Profile reflecting a person’s preferences, characteristics, trends, behavior, and abilities
Source of Information
Third-party data providers.
Purpose of Collection
For us to perform services you requested or to offer products on your behalf to find funding institutions or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain security of our systems and operations
Who Do We Share With
Data processing providers, web analytics providers, and security/anti-fraud providers
Right to Know. As a California resident, you have the right to know (i) the categories of personal information we collected about you in the preceding 12 months; (ii) the sources from which the personal information was collected; (iii) the reasons or purpose for which the personal information was collected; and (iv) the categories of third parties with which the individual shares personal information.
Additional Privacy Rights. You also have the right (i) to request that we tell you what specific information we have about you; (ii) to request that we delete your information; (iii) to opt-out of having your information with us; and (iv) for us not to discrimination against you for exercising these privacy rights. Please note that you may only make a CCPA-related request twice within a 12-month period.
Right to Non-Discrimination. We will not discriminate against you for exercising any of your CCPA rights. Unless otherwise permitted by the CCPA, we will not (i) deny you of our services; or (ii) provide you a different level or quality of service.
Alternative Format of CCPA Notice. If you have a disability that prevents or limits your ability to access this CCPA Notice, please email us at ————– or call us at ———. We will work with you to provide this notice in an alternative format.
Authorized Agent. California residents can empower an “authorized agent” to submit requests on their behalf. We will require the authorized agent to have a written authorization confirming that authority.
How to Submit Your Request for Specific Information. You can request access to specific information we have about you by sending an email with the Subject Line “CCPA Right to Know” to ———— or you can make your request for information here. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver’s license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the timeframe required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.
How to Exercise Your Right to Delete Information. You can request the categories of information we have on file or deletion of information available on our request form available here. You may also submit this request by sending an email with the Subject Line “CCPA Right to Request or Delete Information” to ———–. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver’s license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the timeframe required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.
How to Exercise Your Right to Opt-Out of Sale of Your Information. Under the CCPA, if you are 16 years of age or older, you have the right to direct us not to use your personal information at any time. You may submit your request through the URL provided below. You may also submit this request by sending an email with the Subject Line “CCPA Do Not Use My Information” to —————. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver’s license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the timeframe required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.
DO NOT USE MY PERSONAL INFORMATION
However, if you opt-out, please note that we will be unable to help you find any funding or other product or services that may be of interest to you through our Network Partners. In order to opt-in, please submit the completed form or resubmit your request, which lets us know that you want to use your information to deliver the products and services you requested.
13. California Disclosures.
California Law requires us to provide certain disclosures to users of this Website.
Shine the Light Disclosure. Civil Code Section 1798.83 permits California residents that use this Website to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us at —————. Please note that this section does not prohibit disclosure made for non-marketing purposes.
Do Not Track Disclosures. Business and Professions Code Section 22575(b) requires websites to disclose their practices with respect to the use of tracking technology made by third parties and whether this Website honors web browser do-not-track signals. No third parties are able to collect personally identifiable information you provide on this Website. At this time, Accord Station does not respond to do-not-track browser settings or signals.
14. Contact Us
If you have any further questions about this Privacy Policy or our practices, please contact us at ————
