LAST UPDATED: May 22, 2020
What Information Do We Collect?
The term “personally identifiable information” refers to information which can be used to distinguish or trace an individual's identity, such as their name, social security number, biometric records, etc. alone, or when combined with other personal or identifying information which is linked or linkable to a specific individual.
We may collect personally-identifiable information when you specifically and knowingly provide it to us, for example when you access the Services and provide your name, address, email address and similar personal information; when you create User Content; or when you contact us with your name, address, or email address. We may collect other personal information, such as your financial history, when you use the services. Esusu does not consider personal information to include information that has been anonymized so that it does not allow a third party to easily identify a specific individual. We collect and use personally-identifiable information to operate and improve our Services, to allow you to provide third parties or other Users access to your User Content, to provide customer service, to communicate with you when requested, and to perform research and analysis aimed at improving our products, services and technologies.
You may always choose not to provide personal information, but then the Services will not be available to you. Note that personally-identifiable information we collect and your User Content may be stored and processed in the United States or any other country in which we or our affiliates, subsidiaries, contractors or agents maintain facilities; by using the Services, you consent to any such transfer of information outside of your country.
We may collect and aggregate non-personally-identifiable information, such hardware types, geographic location, and access times and durations.
Website Use and Technologies:
When you use the Services, Esusu, or third parties on our behalf, may collect non-personally-identifiable information via the use of pixels, programs, cookies and other similar technologies.
Cookies are pieces of information that are transferred to an individual's hard drive for record-keeping purposes. They are used to assist you in using site information and content by saving your user preferences which allows us to identify registered users and save you time by eliminating the need to repeatedly enter the same information. They are also used to collect aggregate information about users on an anonymous basis. In addition to cookies, we may use other technologies, including single-pixel gifs (also known as web beacons) on our websites and in promotional email messages or newsletters. These electronic images assist us in determining how many users have visited certain pages or opened messages or newsletters. We do not use these single-pixel gifs to collect personal information. You have the ability to accept or decline cookies. Most browsers automatically accept cookies, but you can modify your browser setting to decline cookies or to request your permission each time a service attempts to set a cookie. Please be aware that this site is optimally designed to operate with cookies enabled in your internet browser. If you choose to decline cookies, you may not be able to sign in or use other interactive features of the Services that depend on cookies.
Information Third Parties Provide About You:
What Do We Do With The Information That We Collect?
Esusu only shares Personal Information with companies or individuals who are not our agents or services providers when we have your consent, or as otherwise permitted by this policy.
(a) Esusu will use the personally-identifiable information directly submitted by you and your User Content solely for the purpose for which you have provided it, such as updating your credit score; processing transactions (including related communications); providing notices, updates, security alerts, and support; providing a third-party access to your User Content as provided for on the Services or as needed to complete any Services. We may share with the third parties, designated by you to receive such information and which you have selected to perform services on your behalf such as credit bureaus, financial institutions, payment processors, other Users, or service providers who perform services on our behalf such as providing credit scores, data storage, data transmission, etc. Service providers will be permitted to obtain only the personal information they need to provide the Services, will be required to maintain the confidentiality of the information, and will be prohibited from using it for any other purpose. Also, if we go through a corporate sale, merger, reorganization, dissolution or similar event, data we gather from you may be part of the assets transferred or shared in connection with due diligence for any such transaction. Any acquirer or successor company may continue to use the data we collect from you as described in this notice. Esusu may also use your personal information and personally identifiable information that we collect from you to create a unique "Esusu Score" that we may provide to you.
(b) Esusu, third-parties you authorize, or our third-party partners will use personal information to track and analyze usage and volume statistical information from our users to administer content and to provide the Services. We may also perform statistical analysis of user behavior in order to measure interest in our online products and services for product development purposes.
(c) Disclosure: As a general rule, Esusu will not disclose any of your personally identifiable information or your User Content except under one of the following circumstances:
(1) we have your permission;
(2) we determine in good faith that it is legally required to be revealed by any relevant statute, regulation, ordinance, rule, administrative or court order, decree, or subpoena;
(3) information revealed during the course of Esusu’s enforcement of the policies and procedures of the Services;
(4) information that we determine must be disclosed to correct what we believe to be false or misleading information or to address activities that we believe to be manipulative, deceptive or otherwise a violation of law;
(5) where you are otherwise notified at the time we collect the data;
(6) where we need to share your information to provide the product or service you have requested;
(7) when such disclosure is made subject to confidentiality restrictions in connection with a sale, merger, transfer, exchange, or other disposition (whether of assets, stock, or otherwise) of all or a portion of the business conducted by Esusu.
Esusu may share the non-personally identifiable information that Esusu gathers, in aggregate form, with other partners.
Third Party Content And Links To Third Party Services
Publicly Disclosed Information
The Services may permit you to submit ideas, questions, comments, suggestions or other content, including Personal Information (collectively, "User Content"), that is publicly viewable (such as on public portions of your user profile). We or others may reproduce, publish, distribute or otherwise use User Content online or offline in any media or format (currently existing or hereafter developed). Others may have access to this User Content and may have the ability to share it with third parties across the Internet. Please think carefully before deciding what information you share, including Personal Information, in connection with your User Content.
Because Esusu is a financial services company, there are certain legal reporting and information retention requirements with which we must comply, particularly if you are still in the midst of a debt obligation that you created. Therefore, we cannot delete your account information outright. However, we will encrypt your information and disable your account, which will be inactive and not available to anyone other than Esusu authorized personnel.
The Esusu Service Terms and Conditions provide that Users must be at least 18 years old to use the Services. Esusu does not knowingly collect personally-identifiable information from Users under 18. In the event that we learn that we have collected any personal information from a User under the age of 13, we will attempt to identify and delete that information from our database. If you believe that we might have any personal information from a child under 13, please contact us at firstname.lastname@example.org.
Social Network Applications
The Services may allow you to elect to access the data on your profile in social networks, and to interact through features on the social networks. This access is not activated automatically, but requires express authorization by you. The Services may allow you to authorize us to obtain information about you that is available on the social network (for instance name and surname), as well as to interact with our account. For further information on the use of personal information by social networks, you should review their respective privacy policies.
How Does A User Change Or Update Information?
Security And Encryption
We follow generally accepted industry standards to help protect your personal information. No method of transmission over the internet, mobile technology, or method of electronic storage, is completely secure. Therefore, while we endeavor to maintain physical, electronic, and procedural safeguards to protect the confidentiality of the information that we collect online, we cannot guarantee its absolute security. Our Service has security measures in place designed to protect against the loss, misuse and alteration of the information under our control. We use standard Secure Socket Layer (SSL) encryption that encodes information for such transmissions. All Services information is maintained on secure servers. Access to stored data is protected by multi-layered security controls including firewalls, role-based access controls and passwords.
Choices About Data
To request deletion of, access to, or to make changes to data we’ve collected from you via the Services, email us at email@example.com. We will use commercially reasonable efforts to honor your request, but please note that even if you request that we delete data we’ve collected from you, we may still retain data collected from you in an aggregated or anonymized form that does not identify you. When we delete any information, it will be deleted from the active database, but may remain in our archives. We also will not delete your data (i) if we are legally required to maintain it, or (ii) for fraud prevention or similar purposes.
If you decide at any time that you no longer wish to accept cookies from our Service for any of the purposes described above, then you can instruct your browser, by changing its settings, to stop accepting cookies or to prompt you before accepting a cookie from the websites you visit. Consult your browser's technical information. If you do not accept cookies, however, you may not be able to use all portions of the Service or all functionality of the Service. If you have any questions about how to disable or modify cookies, please let us know via the contact information provided above.
You can stop all collection of information by the Apps by uninstalling the Apps. You may use the standard uninstall processes as may be available as part of your mobile device or via the mobile application marketplace or network.
Changes To This Policy