Credit App Express
Website Privacy Policy

Last modified: January 4, 2023

C2C Resources, LLC (“C2C”, “we”, “us” or “our”) respects your privacy and is committed to protecting it through our compliance with this website privacy policy (the “Privacy Policy”).

This Privacy Policy describes the types of information we may collect from you or that you may provide when you visit the website creditappexpress.com (our “Website”) and our practices for collecting, using, maintaining, protecting, and disclosing that information.

This Privacy Policy applies to information we collect:

• On this Website.
• In email, text, and other electronic messages between you and this Website.

It does not apply to information collected by:

• Us offline or through any other means, including on any other website operated by C2C or any third party (including any of our affiliates and subsidiaries); or
• Any third party (including any of our affiliates and subsidiaries), including through any application or content (including advertising) that may link to or be accessible from or on the Website.

Please read this Privacy Policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this Privacy Policy. This Privacy Policy may change from time to time (see Changes to Our Privacy Policy, below). Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

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Children

Our Website is not intended for children under 18 years of age. No one under age 18 may provide any Personal Information to or on the Website. We do not knowingly collect Personal Information from children under 18. If you are under 18, do not use or provide any information on this Website or through any of its features. If we learn we have collected or received Personal Information from a child under 18 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 18, please contact us at clientrelations@c2cresources.com.

We collect several types of information from and about users of our Website, including information:

• By which you may be personally identified, such as name, postal address, e-mail address, telephone number, and/or any other identifier by which you may be contacted online or offline (“Personal Information”).
• That is about you but individually does not identify you.

• About your internet connection, the equipment you use to access our Website, and usage details.

We collect this information:

• Directly from you when you provide it to us.

• Automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies.

The information we collect on or through our Website may include:

• Information that you provide by filling in forms on our Website, including when you register for services.
• Information you provide to allow us to provide services to or on your behalf, including your application designs and information about your potential customers.

• Records and copies of your correspondence (including email addresses), if you contact us.

As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

• Details of your visits to our Website, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website.

• 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 and we may maintain it or associate it with Personal Information you provide to us. It helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to:

• Estimate our audience size and usage patterns.

• Store information about your preferences, allowing us to customize our Website according to your individual interests.

• Recognize you when you return to our Website.

The technologies we use for this automatic data collection may include:

• Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer or other device. 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.
• Web Beacons. Pages of our Website and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit C2C, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).

We use information that we collect about you or that you provide to us, including any Personal Information, for a variety of business reasons, including:

• To present our Website and its contents to you.
• To identify you when you visit the Website.
• To determine what individualized information to present to you and give you access to.

• To provide you with information, products, or services that you request from us.
• To allow you to provide us with directions and instructions in connection with the services we provide to you.
• To contact third parties on your behalf as directed by you in connection with providing the services.
• To allow you to participate in interactive features on our Website.
• To respond to your emails or online requests or comments.
• To notify you about changes to our Website or products or services that are offered through our Website.
• To deliver and process surveys and personalize and improve the usability of the Website.
• To fulfill any other purpose for which you provide it.

• In any other way we may describe when you provide the information.

• For any other purpose with your consent.

We may disclose anonymized and/or aggregated information about our users, and information that does not identify any individual, without restriction.

We may disclose your Personal Information, sometimes combined with your non-Personal Information, that we collect or you provide as described in this Privacy Policy in a variety of ways including, but not limited to:

• To any of our subsidiaries and affiliates.

• To contractors, service providers, and other third parties we use to support our business and who are bound by contractual obligations to keep Personal Information confidential and use it only for the purposes for which we disclose it to them.

• To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of C2C’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Information held by C2C about our Website users is among the assets transferred.

• To fulfill the purpose for which you provide it.

• For any other purpose disclosed by us when you provide the information.

• With your consent.

We may also disclose your Personal Information:

• To comply with any court order, law, or legal process, including to respond to any government or regulatory request.

• To enforce or apply our Terms of Use at https://creditappexpress.com/p... and other agreements, including for billing and collection purposes.

• If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of C2C, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

We strive to provide you with choices regarding the Personal Information you provide to us. We have created mechanisms to provide you with the following control over your information:

• Tracking Technologies. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe’s website. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.

• Disclosure of Your Information for Third-Party Advertising. If you do not want us to share your Personal Information with unaffiliated or non-agent third parties for promotional purposes, you can opt-out by sending us an email with your request to clientrelations@c2cresources.com .

We do not control third parties’ collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative or on their website.

You can review and change your Personal Information by logging into the Website and visiting your account profile page. We rely on you to update and correct your Personal Information.

You may also send us an email at clientrelations@c2cresources.com to request access to, correct or revise any Personal Information that you have provided to us. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

We can decide to delete your Personal Information if we believe that the data is incomplete, inaccurate, or that our continued use and storage are contrary to our obligations to other members, individuals, or third parties. When we delete your Personal Information, it may be removed from our active databases or anonymized so that the data is no longer identified with you, but the data may remain in our archives if C2C determines that it is not practical or possible to delete it.

Typically, we only retain your Personal Information for the period we, in our sole judgment, determine is necessary to fulfill the purposes outlined in this Privacy Policy or as provided in our Terms of Use, unless a longer retention period is required or permitted by law. This may include retaining your Personal Information indefinitely in order to comply with our legal obligations, resolve disputes, or enforce any of our agreements.

Our processing of your data is based upon your consent, contract performance (e.g., your purchase of products or plan sign-up/renewal), legitimate business interest, or compliance with law. You have the right to object to our processing of your data or to restrict our processing of your data. In addition, if you have consented to the processing of your Personal Information, you have the right to withdraw your consent at any time.

Your State Privacy Rights

State consumer privacy laws may provide their residents with additional rights regarding our use of their personal information.

California’s “Shine the Light” law (Civil Code Section § 1798.83) permits users of our Website that are California residents who provide Personal Information (as defined in the statute) to obtain products or services for personal, family, or household use are entitled to request and obtain from us, once a calendar year, information about the Personal Information we shared, if any, with other businesses for marketing uses. If applicable, this information would include the categories of Personal Information and the names and addresses of those businesses with which we shared such Personal Information for the immediately prior calendar year (e.g., requests made in the current year will receive information about the prior year). To make such a request, please send an email to clientrelations@c2cresources.com .

Colorado, Connecticut, Virginia, and Utah each provide their state residents with rights to:

• Confirm whether we process their personal information.
• Access and delete certain personal information.
• Data portability.
• Opt-out of personal data processing for targeted advertising and sales.

Colorado, Connecticut, and Virginia also provide their state residents with rights to:

• Correct inaccuracies in their personal information, taking into account the information's nature processing purpose.
• Opt-out of profiling in furtherance of decisions that produce legal or similarly significant effects.

To exercise any of these rights please send an email to clientrelations@c2cresources.com .

Nevada provides its residents with a limited right to opt-out of certain personal information sales. Residents who wish to exercise this sale opt-out rights may submit a request to this designated address: clientrelations@c2cresources.com . However, please know we do not currently sell data triggering that statute's opt-out requirements.

We have implemented commercially reasonable security 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, or third-party vendor’s, secure servers behind firewalls.

The safety and security of your information also depends 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. Although we do our best to protect your Personal Information, we cannot guarantee the security of your Personal Information transmitted to our Website. 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.

Linking to Other Internet Sites

You should be aware that other Internet sites that are linked from the Website or from a C2C email message may contain privacy provisions that differ from the provisions of this Privacy Policy. We do not have control over, or responsibility for, the content or operation of any websites other than the Website. These other sites may send their own cookies to your device, may independently collect data or solicit personal information, and may or may not have their own published privacy policies. To ensure your privacy is protected, we recommend that you review the privacy statements of these other linked sites, applications, or other digital platforms.

Transmission of Data to Other Countries

Your Personal Data is processed in the United States, where privacy laws may be less stringent than the laws in your country and where the government, courts, or law enforcement may be able to access your data. By submitting your Personal Data to us, you agree to the transfer, storage, and processing of your Personal Data in the United States.

It is our policy to post any changes we make to our privacy policy on this page with a notice that the privacy policy has been updated on the Website home page. If we make material changes to how we treat our users’ Personal Information, we will notify you through a notice on the Website home page. The date the privacy policy was last revised is identified at the top of the page. You are responsible for periodically visiting our Website and this privacy policy to check for any changes.

Breach Notification

In the event we determine the occurrence of a data security incident, we will notify you as required by law.

To ask questions or comment about this privacy policy and our privacy practices or to register a complaint or concern, contact us at clientrelations@c2cresources.com.