Privacy Policy

Last updated: April 12, 2023

This Privacy Policy applies to your interaction with YeeGoals Inc. or any of their subsidiaries, as may be applicable (collectively "YeeGoals," "we," "us," "our"). This Privacy Policy is effective as of April 12, 2023.

We take your privacy and the security of information about you seriously. This Online Privacy Policy explains how we collect and use personal information through our website, www.yeegoals.com , mobile application(s) and all related applications, services and tools (collectively, our “Service”), including how we may use such information for advertising purposes. Our data sharing practices are also governed by the YeeGoals Privacy Notice, which explains the choices you may have in the use and sharing of information about you.

Our Privacy Policy applies to and describes our information handling practices when you access our services, which include our content located on this website, or any other websites, pages, features, or content we own or operate (collectively, the “Site(s)”) or third-party applications relying on API, and related services (referred to collectively hereinafter as “Services”).

These Sites are general audience websites and we do not knowingly collect personal, or other, information from children under the age of 18. If you are under the age of 18, please do not use our App/Site. If we suspect that information provided to us is, in fact, personal information of an individual younger than 18 years of age, such information will be deleted, aggregated, or anonymized as soon as possible. Please notify us if you know of any individuals under the age of 18 using our services so we can take action to prevent access to our services.

This policy is incorporated into YeeGoals’ Terms of Service, and your consent to this policy is a material term of our Terms of Use. By accessing or using our Service, you signify that you have read, understood, and agree to our collection, storage, use, and disclosure of personal information about you as described in this Online Privacy Policy, our Privacy Notice, and our Terms of Service.

YeeGoals is a small business marketplace to assist small businesses in connecting and approaching access to capital through a more personalized experience. Our Privacy Policy applies to everyone who utilizes our Sites.

You agree to this Privacy Policy by accepting YeeGoals’ Terms of Service, by accessing, browsing, or using our Sites. Where we require your consent to process your personal information, we will ask for your consent to the collection, use, and disclosure of your personal information as described further below. We may provide additional “just-in-time” disclosures or information about the data processing practices of specific Services. These notices may supplement or clarify our privacy practices or may provide you with additional choices about how we process your data, If you do not agree with or you are not comfortable with any aspect of this Privacy Policy, you should immediately discontinue access or use of our Services.

DATA COLLECTION

FACTS

WHAT DOES YEEGOALS DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

Social Security number, language, demographics
Credit scores and business information

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons YeeGoals chooses to share; and whether you can limit this sharing

Reasons we can share your personal Information

Does YeeGoals share?

Can you limit this sharing?

For our everyday business purposes - such as connecting you with capital providers, maintain your account, respond to court orders and legal investigations, or report to credit bureaus

Yes

For our marketing purposes - to offer our products and services to you

Yes

For joint marketing with other financial companies

Yes

For our affiliates' everyday business purposes - information about your capital requests and experiences

Yes

For our affiliates' everyday business purposes - information about your creditworthiness

Yes

For our affiliates to market to you

Yes

For nonaffiliates to market to you

Yes

To limit our sharing

Call 800-Yee-Goal our menu will guide you through your choice(s) or
Contact us at: privacy@yeegoals.com

Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Call 800-Yee-Goal or go to www.yeegoals.com

Who we are

Who is providing this native?

This notice is provided by YeeGoals Inc. and their affiliates that use the name Yee

What we do

How does YeeGoals protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does YeeGoals collect my personal information?

We collect your personal information, for example, when you:

Sign up for our services
Opt in to benefit from our YeeCoins feature
Request our concierge services

We also collect information about you from others, such as credit bureaus and other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only

sharing for affiliates' everyday business purposes - information about your creditworthiness
affiliates from using your information to market to you
sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

YeeGoals Inc
YeeCoins

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Nonaffiliates with whom we share can include other financial services companies, lenders, insurance companies, retailers, membership clubs, or other consumer service providers such as data processors, service providers, and companies that help us market our own products and third-party products that we believe may be of interest to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Our joint marketing partners include other financial services companies, banks, lenders, insurance companies, or other consumer service providers.

Other Important Information

For California residents

We do not sell personal information under California law. We will not share your non-public information with nonaffiliates for their marketing purposes except with your express consent or as otherwise authorized by California law. We will not disclose personal and financial information about you with companies we own or control (affiliates) or with companies we do business with to provide financial products and services (joint marketing partners) if you instruct us not to do so by following the instructions on the form called "Important Privacy Choices for Consumers," which contains additional choices for California residents. To make a request under California privacy law, you may email us at californiaprivacy@yeegoals.com for more information or fill out a request form at https://www.yeegoals.com/californiaprivacy.

For Vermont residents

We will not share information we collect about you with nonaffiliated third parties, except as permitted by law, including, for example, with your consent or to service your account. We will not share information about your creditworthiness with our affiliates, other than as permitted by Vermont law, unless you authorize us to make those disclosures.

1. Aggregate Data

We may record certain web traffic and usage information, such as the number and frequency of visitors to the Site. This information may include the internet browser being used, a visitor’s IP address, and the third party websites accessed immediately before and after visiting the Site. We will use such information, if at all, only on an aggregate basis, and We will not disclose to third parties any data derived there from that could be used to identify a particular visitor.

2. Personal Identification Information

We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our App/Site, register on the App/Site, when you interact with us directly or through a third-party, such as when you register for our Services, sign up for our mailing list, or otherwise communicate with us. Users may be asked for, as appropriate, name and email address. Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily and knowingly submit such information to us. Users can always refuse to supply personally identifying information, except that it may prevent them from engaging in certain App/Site related activities. We use all of the information we collect to operate, maintain, improve and provide to you the features and functionality of Services and to create new features.

To establish an account and access our Services, we’ll ask you to provide us with some important information about you. This information is either required by law (e.g. to verify your identity), necessary to provide the requested services (e.g. you will need to provide annual business gross income), or is relevant for certain specified purposes, described in greater detail below. As we add new features and Services, you may be asked to provide additional information.

2.1 Identifiers.

Personal Identification Information: This information may include a real name, alias, postal address, telephone number, unique personal identifier, online identifier, Internet Protocol address, email address or other communication information, account name, social security number, driver's license number or state identification card number, passport number, or other similar identifiers or identity verification information, demographic information (e.g. nationality, gender) signature, photographs, language.
Formal Identification Information: Government issued identity document such as Passport, Driver’s License, National Identity Card, State ID Card, Tax ID number, passport number, driver’s license details, national identity card details, visa information, and/or any other information deemed necessary to comply with our legal obligations under financial, consumer protection, and commercial lending laws.
Institutional Information: Employer Identification number (or comparable number issued by a government), proof of legal formation (e.g. Articles of Incorporation), personal identification information for all material beneficial owners.
Financial Information: Bank account information, Tax return information, Federal and State Tax ID, Profit and Loss Statements, Income statements, Credit Score, Business Invoices, and Wire Instructions.
Transaction Information: Information about the transactions you make on our Services, such as the name of the recipient, your name, the amount, and/or timestamp.
Employment Information: Office location, job title, and/or description of role.
Correspondence: Survey responses, information provided to our support team or user research team.
Business Information: Type of business, list of officers, members, or managers of the business, articles of incorporation, certificates of good standing, and ownership structure.

The documents and information collected are securely stored and safeguarded. To fulfill our service obligations to you, you provide your permission to share all information provided to or obtained by YeeGoals on your behalf with lenders and/or non-profits, with other businesses who may need this information to fulfill its services to YeeGoals, for YeeGoals’ business purposes, or to fulfill regulatory or other legal requirements. Under no circumstances will we disclose, transmit, or share in any way, these documents without your permission, unless being disclosed pursuant to legal and regulatory requirements which prohibit this notification.

Sources. We collect this information from you, and from third parties, including information we request from credit reporting agencies, and service providers. This information may include information you provide and that we receive through referral activities.
Purposes. We use this information to verify your identity, facilitate transactions, to advertise to you, and to create your customer profile and account. Personal information must be supplied during the customer registration processes in order to meet our legal obligations, facilitate credit eligibility decisions, protect against fraud and complete your transaction. We may use this information to communicate directly with you, such as to send you direct mail and email marketing messages or advertising or to suppress such messages. We may also send you Service-related emails or messages (e.g., account verification, change or updates to features of Services, technical and security notices). For more information about your communication preferences, see "Control Over Information" below.
Sharing. We share information in this category with YeeGoals companies, third-party service providers, other third parties, originating banks, credit unions, loan funds , non-profits, as applicable. Purchasers, prospective purchasers, credit bureaus, parties to a company transaction, and legally interested parties as described in Section 3 below.

2.2 Information We Collect From You Automatically

We collect information about your computer’s interactions with our Sites for a variety of purposes.

We receive and store certain types of information automatically, such as whenever you interact with the Sites or use the Services. This information helps us address customer support issues, improve the performance of our Sites and applications, provide you with a streamlined and personalized experience, and protect your account from fraud by detecting unauthorized access. Information collected automatically includes:

Online Identifiers: Geo location/tracking details, browser fingerprint, operating system, browser name and version, and/or device IP addresses.
Usage Data: Authentication data, security questions, click-stream data, public social networking posts, and other data collected via cookies and similar technologies.

For example, we may automatically receive and record the following information on our server logs:

How you came to and use the Services;
Device type and unique device identification numbers;
Device event information (such as crashes, system activity and hardware settings, browser type, browser language, the date and time of your request and referral URL);
How your device interacts with our Sites and Services, including pages accessed and links clicked;
Geographic location; and,
Other technical data collected through cookies, pixel tags and other similar technologies that uniquely identify your browser.

We may also use identifiers to recognize you when you access our Sites via an external link, such as a link appearing on a third-party site.

Financial Information.

Types. This information may include payment and bank information, wire transfer information, credit card number, debit card number, full credit report, transactional information for financial accounts, account information including interest rates and balances, income information, and any other financial information available.
Sources. We may receive financial information that you provide to us directly or through third-party services. We may also receive information about you from third parties, including information requested from credit reporting agencies such as TransUnion, Equifax, and/or Experian, and from other partners. We will collect information, which may include your credit history and credit scores, from credit bureaus and other partners.
Purposes. We use this financial information to provide you with the best capital connections for you and your business, to improve and expand our Services, and to determine your financial health. If you register with us, we will use financial information about you to facilitate and service your account. We use this information to enhance your capital connections, and to help capital providers provide with the right financial products tailored to your business, and assess risks related to your financial product request. If you consent to have YeeGoals request your financial information directly from your financial institution, we may work with a third party, such as Plaid, Finicity, to access and collect such information on our behalf. By providing your financial information to the third party, you acknowledge and agree that such information accessed, collected, or transmitted by the third party for this purpose will be governed by the privacy policy of the third party. Plaid's privacy policy is available at https://plaid.com/legal. Finicity's privacy policy is available at https://www.finicity.com/privacy.
We may also work with a third party, Lendio, if our services are not helping you receive the capital amount that you requested. If you decide to move forward with the referral, you acknowledge and agree that such information accessed, collected, or transmitted by the third party for this purpose will be governed by the privacy policy of the third party. https://www.lendio.com/agreements/privacy-policy/
Sharing. We share information in this category with YeeGoals companies, third-party service providers, other third parties, originating banks other than YeeGoals Inc, as applicable, credit bureaus, parties to a company transaction, and legally interested parties as described in Section 3 below.

Business Information.

Types. This information may include information about your business, such as legal business name and company practice name, and other information about your company or practice such as fax, telephone number, website, relevant email addresses, physical address, business gross annual sales, profitability, state of incorporation, industry, country, etc. This information may be collected, for example, when you start registering in the app.
Sources. We may receive business information that you provide to us directly during the registration process.
Purposes. We use this information to enhance your capital connections and increase your satisfaction with your matches, for verification purposes, and to improve or expand our Services.
Sharing. We share information in this category with YeeGoals companies, third-party service providers, other third parties, originating banks, as applicable, credit bureaus, parties to a company transaction, and legally interested parties as described in Section 3 below.

Network Activity and Location Information.

Types. This information may include, but is not limited to, your browsing history, search history, geolocation data, and information regarding your interaction with an Internet website, application, or advertisement.
Sources. We collect this information from you and from third-parties such as advertising service providers and marketing analytics and information service providers. This information may be passed to us via cookies, pixels, or other tracking technologies described in Section 3 below. Geolocation data may be collected from your device, your browser, or from other sources such as metadata stored in images or files you provide to us.
Purposes. We use this information for security, processing your application, facilitating transactions, marketing, for verification purposes and to improve or expand our Services. For example, we use this information to better understand the effectiveness of our advertising activities and efficiency in our application process. We also use this information to better advertise to you and to track your use of our websites and the selections you make in order to satisfy regulatory obligations. Please refer to Section 2 below, which provides detailed information about our use of tracking technologies.
Sharing. We share information in this category with YeeGoals’ companies, third-party service providers, other third parties such as lenders, and legally interested parties as described in Section 3 below.

Audio, Visual, and Electronic Information.

Types. This information may include a picture of you, digital or digitized signature, or voice recordings from phone calls. We may also collect any other communications between you and YeeGoals.
Sources. We collect this information from you or from third parties. For example, we may collect a copy of a government issued ID that includes a picture of you, and we may collect a picture of you and your signature when you visit our offices. Your signature or digital or digitized signature may also be on documents we collect from you. We may collect this information from third-party service providers that provide member support and operations-related services.
Purposes. We use this information for information security, fraud detection and prevention, quality control, and for processing your application, facilitating transactions, for verification purposes and to improve or expand our Services.
Sharing. We share information in this category with YeeGoals companies, third-party service providers, other third parties, participant lenders in our platform, as applicable, parties to a company transaction, and legally interested parties as described in Section 3 below.

Inference Information.

Types. This information includes inferences drawn from any of the information in categories listed above. This information may indicate characteristics about you and your business, such as preferred financial product, habits, behavior patterns, and physical characteristics. For example, your picture may reveal physical characteristics, and capital request may reveal patterns in the use of capital, behavior, preferences, and other information.
Sources. We gather the information above from a variety of sources as described in each category.
Purposes. We may use this information to improve or expand our Services or for marketing purposes.
Sharing. We share information in this category with YeeGoals companies, third-party service providers, other third parties, participating lenders in our platform, parties to a company transaction, and legally interested parties as described in Section 3 below.

3. Non-Personal Identification Information

We may collect non-personal identification information about Users whenever they interact with our App/Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the internet service providers utilized and other similar information. (See section on Aggregate Data)

4. Web Browser Cookies

Our App/Site may use “cookies” to enhance User experience. User’s web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly.

Like most websites and online services, we and our third-party partners automatically collect certain types of usage information when you use or attempt to use our Services, read our emails, or otherwise engage with us. We typically collect this information through a variety of tracking technologies, which could include cookies, web beacons, Flash cookies (locally stored objects), embedded scripts, location-identifying technologies, and similar technology (collectively, "tracking technologies"). These tracking technologies collect information about how you use a Service (e.g., the pages you view, the links you click, and other actions you take in connection with a Service), information about your browser and online usage patterns (e.g., IP address, browser type, browser language, referring / exit pages and URLs, pages viewed, whether you opened an email, links clicked), and information about the device(s) you use to access a Service (e.g., mobile device identifier, mobile carrier, device type, model and manufacturer, mobile device operating system brand and model, and depending on your mobile device settings, your geographical location data (which could include GPS coordinates (e.g. latitude and/or longitude) or similar information regarding the location of your mobile device), or we may be able to approximate a device's location by analyzing other information, like an IP address. We, or our third-party partners, may link your various devices so that content you see on one device can result in relevant advertising and content displayed on another device, and so that we may recognize and contact you on the various devices you may use. We may also collect analytics data, or use third-party analytics tools, to help us measure traffic and usage trends for a Service. Although we do our best to honor the privacy preferences of our visitors, we are not able to respond to Do Not Track signals from your browser at this time.

Our Sites may include social media features, such as the Facebook Like button. These features may collect your IP address and other information such as the page(s) you are visiting on our Sites, and may set a cookie to enable the feature to function properly. Social media features are either hosted by a third party or hosted directly on our websites. Your interactions with these features are governed by the privacy policy of the company providing it.

We use or may use the data collected through tracking technologies to (a) remember information so that you will not have to reenter it during your visit or the next time you visit the site; (b) provide custom, personalized content and information, including targeted content and advertising; (c) recognize and contact you across multiple devices; (d) provide and monitor the effectiveness of our Services; (e) monitor aggregate metrics such as total number of visitors, traffic, usage, and demographic patterns on our websites; (f) diagnose or fix technology problems; and (g) otherwise to plan for and enhance our Services.

If you would prefer not to accept cookies, most browsers will allow you to adjust your browser settings to: (i) notify you when you receive a cookie, which lets you choose whether or not to accept it; (ii) disable existing cookies; or (iii) set your browser to automatically reject cookies. Blocking or deleting cookies may negatively impact your experience using a Service, as some features and services within our Services may not work properly. Depending on your mobile device and operating system, you may not be able to delete or block all cookies. You may also set your email options to prevent the automatic downloading of images that may contain technologies that would allow us to know whether you have accessed our e-mail and performed certain functions with it. Deleting cookies does not delete Local Storage Objects (LSOs) such as Flash objects and HTML5. You can learn more about Flash objects–including how to manage privacy and storage settings for Flash cookies–on Adobe's website or by clicking here. If you choose to delete Flash objects from our sites, then you may not be able to access and use all or part of the sites or benefit from the information and Services offered.

We and our third-party partners may also use cookies and tracking technologies for advertising purposes. For more information about tracking technologies, please see "Third-Party Tracking and Online Advertising" below.

5. How Information is Collected

We obtain information about you during the sign-up process, and also through your interactions with our Sites.

Where we require your consent to process your personal information, we will ask for your consent to the collection, use, and disclosure of your personal information as described further below. We may provide additional “just-in-time” disclosures or information about the data processing practices of specific Services. These notices may supplement or clarify our privacy practices or may provide you with additional choices about how we process your data, If you do not agree with or you are not comfortable with any aspect of this Privacy Policy, you should immediately discontinue access or use of our Services

We obtain the categories of personal information listed below from the following sources:

Directly from you: For example, from forms you complete or by using our Products and Services.
Indirectly from you: For example, from observing your actions on our Sites.
Third Parties: For example, from third-party services which you connect to as part of using our Services.

During the Application Process: To process your initial capital connection application, we may require your name, address, phone number, email address and other personal information. We may also require the name of your business, its address, its federal and state tax ID, the type of business, business location, annual gross revenue, state of incorporation, name of Landlord, etc. Such information is used primarily to enhance your experience on our platform and connect you with the best loan officers for your business and yourself. This is the information you provide to us through our Sites.

Emails and telephone calls: We require an email address from you when you register for our services. We use your email for both transactional (e.g., application status, application updates, application confirmation, etc.) and promotional (e.g., newsletters, new product offerings, event notifications, special third-party offers) purposes. E-mail messages we send you may contain code that enables our database to track your usage of the e-mails, including whether the email was opened and what links (if any) were clicked. If you would rather not receive promotional emails from us, please see the section below labeled

“Choice/Opt-Out”. We reserve the right to send you certain communications relating to the YeeGoals services, such as service announcements and administrative messages, without offering you the opportunity to opt out of receiving them. We may also contact you by telephone or text message (including to any wireless number you may provide to us) solely in connection with YeeGoals’ services. If you would rather not receive telephone calls or text messages from us, you may change or delete your number from your account preferences page(s) or ask to be removed from our contact list if you receive a call or text message from us. We comply with the requirements of the U.S. CAN-SPAM Act, the Telephone Sales Rule, and the Telephone Consumer Protection Act (TCPA).

The sites contain links to other websites that are maintained by third parties. These third parties are solely responsible for their own websites and we encourage you to reach out to such third parties for copies of and information regarding their security practices. We do not control, and are not responsible for, the privacy and security practices of these third parties.

Log files: Any time you visit any of our Sites, our servers automatically gather information from your browser (such as your IP addresses, browser type, Internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks) to analyze trends, administer the site, prevent fraud, track visitor movement in the aggregate, and gather broad demographic information. For example, we may log your IP address for system administration purposes. IP addresses are logged to track a user’s session. This gives us an idea of which parts of our site users visit. We do not share the log files externally.

6. Sharing of Information

We may share personal information about you in the instances described below. For further information on your choices regarding information about you, see the "Limitation Over Information" section below.

We may share personal and business information about you with:

Participant Lenders. Participant lenders are representatives of financial institutions that are able to provide you with the financial products that you requested during and after the sign-up process in our application.
YeeGoals Companies. Other companies and brands owned or controlled by YeeGoals and other companies owned by or under common ownership as YeeGoals, which also includes our subsidiaries (i.e., any organization we own or control) or our ultimate holding company (i.e., any organization that owns or controls us) and any subsidiaries it owns. These companies will use information about you in the same way as we can under this Policy;
Third-Party Service Providers. Third-party vendors and other service providers that perform services on our behalf, such as operational support services, data processors and companies that help us market our own Services and third-party products or services that we believe may be of interest to you. We work with a number of service providers who support our operations, including but not limited to electronic payment service providers and customer support call centers. We share information with these third parties to process the transactions you initiate or to perform other specific services on our behalf, such as collections or identity verification, creating and providing targeted advertisements, or providing marketing analytics services. Our service providers are legally required to keep personal information private and secure and adhere to applicable state and federal laws and regulations and to only use the personal information we provide in order to provide such services to us;
Other Third Parties. Third parties at your request, such as financial services companies, lenders, non-profits, fintech companies, retailers, membership clubs, or other business service providers. For example, if we are unable to offer you a loan, you may be given the option to allow us to share personal information about you to third parties who may be interested in offering you a loan. We will share this information at your direction, which may be provided through interaction with, or selection of a third-party offer presented on one of our websites;
Credit Bureaus. We may share personal information about you with credit bureaus to meet our credit reporting obligations;
Legally Interested Parties. Third parties as required by law or subpoena or if we reasonably believe that such action is necessary to (a) comply with the law and the reasonable requests of law enforcement; (b) to enforce our Terms of Use or to protect the security or integrity of our Services; and/or (c) to exercise or protect the rights, property, or personal safety of YeeGoals, our visitors, or others.

7. Disclosure of Consumer Information to Third Parties

We may disclose your personal information as required by law, to provide the Services, and for legitimate business purposes.

We may share your personal information by disclosing it to a third party for a business purpose. We only make these business purpose disclosures under written contracts that describe the purposes, require the recipient to keep the personal information confidential, and prohibit using the disclosed information for any purpose except performing the contract. We do not sell personal information.

Disclosure By Law:

You acknowledge and agree that we may disclose information you provide if required to do so by law, at the request of a third party, or if we, in our sole discretion, believe that disclosure is reasonable to (1) comply with the law, requests or orders from law enforcement, or any legal process (whether or not such disclosure is required by applicable law) and (2) protect or defend YeeGoals´, or a third party´s, rights or property.

Participating Lenders.

By signing up for our services or submitting a request for a business loan product or service as offered on the sites, you signify your agreement to proceed and that you are consenting, acknowledging, and agreeing to the disclosure of your business information with participating lenders within our network. We will perform a credit check only with your authorization. Please be aware that the participating lenders and/or other service providers with whom you are matched and with whom your information is shared may retain your information, even if you do not enter into an agreement for their products or services. Please contact each such party directly regarding their privacy and information policies. Also, if you enter into an agreement with a participating lender, or other service provider through the YeeGoals App and make changes to the information you have provided to us, we may share the updated information with such participating lenders, and/or service providers.

Disclosure to Trusted Third Parties By Us:

Upon completing a profile on the site, and filling out the entirety of the application, we will share your information with third party service providers with whom you are matched. A list of those partners can be found on our partners page. By accepting the Terms of Service, you agree to receive various marketing materials from our trusted third parties, including potential lenders and service providers. We are not responsible for the material of the third parties or their actions. Your information may also be shared with third-party contractors that provide services to Lendio and are bound by this privacy policy. Your information will be treated as private and confidential by such third parties and not used for any other purpose than you authorize. In addition, from time to time, we may share personal information (such as e-mail or mailing address) about our user base with carefully selected third parties, so they can offer goods and services that we believe may be of interest to our users. If you do not wish to receive offers from our trusted partners, you can change your email preferences at any time by following the steps outlined in the “Choice/Opt-Out” section below.

Service Providers

With service providers under contract who help with parts of our business operations. Our contracts require these service providers to only use your information in connection with the services they perform for us, and prohibit them from selling your information to anyone else. Examples of the types of service providers we may share personal information with (other than those mentioned above) include:

Network infrastructure
Cloud storage
Payment processing
Transaction monitoring
Security
Document repository services
Customer support
Internet (e.g. ISPs)
Data analytics
Information Technology
Marketing

Other Companies

With companies or other entities that we plan to merge with or be acquired by. You will receive prior notice of any change in applicable policies.

Professionals

With our professional advisors who provide banking, legal, compliance, insurance, accounting, or other consulting services in order to complete third party financial, technical, compliance and legal audits of our operations or otherwise comply with our legal obligations.

7. Data Use

We may use of information collected or provided by Your usage of our website for the following purposes:

To personalize user experience
We may use information in the aggregate to understand how our Users as a group use the services and resources provided on our Site.
To improve our Site
We continually strive to improve our website offerings based on the information and feedback we receive from you.
To improve customer service
Your information helps us to more effectively respond to your customer service requests and support needs.
To administer a content, promotion, survey or other Site feature
To send Users information they agreed to receive about topics we think will be of interest to them.
To send periodic emails
The email address Users provide for order processing may be used to send them information and updates. It may also be used to respond to their inquiries, and/or other requests or questions. If a User decides to opt-in to our mailing list, they will receive emails that may include company news, updates, related product or service information, etc. If at any time the User would like to unsubscribe from receiving future emails, they may do so by contacting us via our Site.
Any external use of User data to 3rd Party
We may share your personal information in order to respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims, or where we believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person or as otherwise required by law.
Upon Merger or Buy-Out
We may transfer your personal information in connection with an acquisition or merger of our Company with or into another company.

8. Limitation Over Information

Data sharing settings and modifying or deleting information about you: If you have established an online account with us ("Online Account"), you can access and modify information about you (such as name, email address, mailing address, business information, etc.) that we collect online and maintain by visiting your profile in the Online Account. This section of the website is password protected to better safeguard information about you. As a registered user, you can update your password, email address, physical address, phone number, and certain bank account information at any time on the website. Requests to change any other information in your profile or remove your name or comments from our website or publicly displayed content can be sent to us at support@yeegoals.com. We will respond to your request within a reasonable timeframe, but no longer than may be required under applicable law (see below for requests under California privacy law). We may not be able to modify or delete information in all circumstances. Due to the regulated nature of our industry, we are under legal requirements to retain data and are generally not able to delete consumer transactional data, loan application data, or other financial information upon request. Certain regulations issued by state and/or federal government agencies may require us to maintain and report demographic information on the collective activities of our membership. We may also be required to maintain information about you for at least seven years to be in compliance with applicable federal and state laws regarding recordkeeping, reporting, and audits.

Opt-out from third-party sharing for direct marketing purposes: As set forth in Section 9 below, if you are a resident of California and have previously opted in to have personal information about you shared with third parties for their direct marketing purposes, but no longer wish to have such information shared, please email us at privacy@yeegoals.com to request to not have your information shared in this manner.

How to control your communications preferences: You can update your email preferences and stop receiving promotional email communications from us by clicking on the "Unsubscribe" link provided in such communications. We make every effort to process all unsubscribe requests within a reasonable amount of time. You may not opt out of Service-related communications (e.g., account verification, transactional communications, changes/updates to features of our Services, technical and security notices).

9.1 Interest-Based Advertising

We participate in interest-based advertising and use third-party advertising companies to serve you targeted advertisements based on your browsing history. We may share, or we may permit third-party online advertising networks, social media companies and other third-party services, to collect, information about your use of our websites over time so that they may play or display ads about our Services, on other devices you may use, and on other websites, apps or services. Typically, though not always, the information we share is provided through cookies or similar tracking technologies, which recognize the device you are using and collect information, including click stream information, browser type, time and date you visited the site and other information. We and our third-party partners may combine this information with information collected offline or from other sources. We and our third-party partners use this information to make the advertisements you see online more relevant to your interests, as well as to provide advertising-related services such as reporting, attribution, analytics and market research.

9.2 Social Media Widgets and Advertising

Our Services may include social media features, such as the Facebook Like button, Google Plus, Twitter or other widgets. These social media companies may recognize you and collect information about your visit to a Service, and they may set a cookie or employ other tracking technologies. Your interactions with those features are governed by the privacy policies of those companies.

We display targeted advertising to you through social media platforms, such as Facebook, Twitter, Google+ and others. These companies have interest-based advertising programs that allow us to direct advertisements to users who have shown interest in our Services while those users are on the social media platform, or to groups of other users who share similar traits, such as likely commercial interests and demographics. These advertisements are governed by the privacy policies of those social media companies that provide them.

9.3 Cross-Device Linking

We, or our third-party partners, may link your various devices so that content you see on one device can result in relevant advertising on another device. We do this by collecting information about each device you use when you are logged in to a Service. We may also work with third-party partners who employ tracking technologies, or the application of statistical modeling tools, to determine if two or more devices are linked to a single user or household. We may share a common account identifier (such as an email address or user ID) with third-party advertising partners to help recognize you across devices. We, and our partners, can use this cross-device linkage to serve interest-based advertising and other personalized content to you across your devices, to perform analytics and to measure the performance of our advertising campaigns.

Your Choices:

Interest-based advertising. To learn about interest-based advertising and how you may be able to opt-out of some of this advertising, you may wish to visit the Network Advertising Initiative (NAI) online resources, at http://www.networkadvertising.org/choices, and/or the Digital Advertising Alliance (DAA) resources at http://www.aboutads.info/choices.
Cross-device linking. Please note that opting-out of receiving interest-based advertising through the NAI's and DAA's online resources will only opt-out a user from receiving interest-based ads on that specific browser or device, but the user may still receive interest-based ads on his or her other devices. You must perform the opt-out on each browser or device you use.
Mobile advertising. You may also be able to limit interest-based advertising through the settings on your mobile device by selecting "limit ad tracking" (iOS) or "opt-out of interest based ads" (Android). You may also be able to opt-out of some – but not all – interest-based ads served by mobile ad networks by visiting http://youradchoices.com/appchoices and downloading the mobile AppChoices app.
Some of these opt-outs may not be effective unless your browser is set to accept cookies. If you delete cookies, change your browser settings, switch browsers or computers, or use another operating system, you will need to opt-out again.

Google Analytics and Advertising. We use Google Analytics to recognize you and link the devices you use when you visit our websites or Services on your browser or mobile device, login to your Online Account, or otherwise engage with us. We may share a unique identifier, like a user ID or hashed email address, with Google to facilitate our Services. Google Analytics allows us to better understand how our users interact with our Services and to tailor our advertisements and content to you. For information on how Google Analytics collects and processes data, as well as how you can control information sent to Google, review Google's site "How Google uses data when you use our partners' sites or apps" located at https://www.google.com/policies/privacy/partners/.

You can learn about Google Analytics' currently available opt-outs, including the Google Analytics Browser Ad-On here https://tools.google.com/dlpage/gaoptout/.

We may also utilize certain forms of display advertising and other advanced features through Google Analytics, such as Remarketing with Google Analytics, Google Display Network Impression Reporting, the DoubleClick Campaign Manager Integration, and Google Analytics Demographics and Interest Reporting. These features enable us to use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the Doubleclick advertising cookie) or other third-party cookies together to inform, optimize, and display ads based on your past visits to the Service. You may control your advertising preferences or opt-out of certain Google advertising products by visiting the Google Ads Preferences Manager, currently available at https://google.com/ads/preferences or by vising NAI's online resources at http://www.networkadvertising.org/choices.

10. Data Security

We are committed to protecting the security of your personal information and to honoring your choices for its intended use. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we strive to maintain physical, electronic, and administrative safeguards. However, We make no warranty, guarantee, or representation that the use of our website is protected from viruses, security threats, or other vulnerabilities and that your information will always be secure.

While we have implemented commercially reasonable technical and organizational measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration or disclosure, we cannot guarantee that unauthorized third parties will never be able to defeat those measures or use your personal information for improper purposes. You acknowledge that you provide your personal information at your own risk.

In the event that personal information is compromised as a result of a breach of security, We will promptly notify those persons whose personal information has been compromised, in accordance with the notification procedures set forth in this Privacy Policy, or as otherwise required by applicable law.

10.1 Keeping information safe

YeeGoals understands that the information collected and shared with us by our customers, investors and business partners contains sensitive data. We take our role in safeguarding information about you seriously.

We maintain a security program that draws on industry standards and best practices. We take a defensive, in-depth approach to implementing physical, administrative, and technical safeguards to protect information against unauthorized access or misuse.

The safeguards include preventive, detective, and corrective controls, for example: physical safeguards like access badges and a video monitoring system; administrative safeguards like an employee security training program, employment background checks, and access controls; and technical safeguards like perimeter security, encryption, two-factor authentication, and regular security monitoring with layered and complementary controls.

In addition, we use:

Encryption website certificates. Encryption protects the information you share with us from the moment it leaves your computer until it reaches our systems. Look for the secure locked padlock on your browser, which signifies a secure web connection. Consult your web browser documentation for more information.
Session time-outs. We employ session time-outs that will log you out of the website automatically after a period of inactivity. This reduces the risk of others being able to access your account if you leave your computer unattended.
Passwords. You should never share your password with anyone. Your password is not known to any YeeGoals employee or third party, and we will never ask for your password by phone or email. If you ever receive a communication claiming to be from YeeGoals that asks for your password, you should immediately report it by contacting us at security@yeegoals.com.
Identity theft protection. In order to protect your identity at YeeGoals, we have developed and implemented an identity theft prevention and response program that is designed to detect, prevent, and mitigate identity theft when borrowing or investing through the YeeGoals platform. We utilize authentication technology to verify the identities of our customers, and have established processes, procedures, and training for YeeGoals employees to identify and respond appropriately to identity theft indicators.

We also periodically review and adjust security safeguards as the threat landscape evolves.

Ultimately no security system is impenetrable, and we cannot guarantee the security of our systems 100%.

In the event that any information under our control is compromised as a result of a breach of security, our policy is to take reasonable steps to investigate the situation and, where appropriate, communicate with affected individuals.

10.2 Data storage and transfer

Information collected through our websites may be stored and processed in the United States or any other country in which we or our affiliates or service providers maintain facilities.

If you are located in the European Union or other regions with laws governing data collection and use that may differ from U.S. law, please note that we may transfer information, including personal information, to a country and jurisdiction that does not have the same data protection laws as your jurisdiction, and you consent to the transfer of information to the U.S. or any other country in which we or our parent, subsidiaries, affiliates, or service providers maintain facilities and the use and disclosure of information about you as described in this Privacy Policy.

11. Google Adsense

Some of the ads may be served by Google. Google’s use of the DART cookie enables it to serve ads to Users based on their visit to our Site and other sites on the Internet. DART uses “non personally identifiable information” and does NOT track personal information about you, such as your name, email address, physical address, etc. You may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy at http://www.google.com/privacy_ads.html

12. Children’s Privacy

We do not knowingly collect or solicit any information from anyone under the age of 18 through our Services. In the event that we learn that we have inadvertently collected personal information from a child under age 18, we will delete that information as quickly as possible. If you believe that we might have any information from a child under 18, please contact us at privacy@YeeGoals.com.

13. Links to Other Websites and Services 8.

Services may present links to and from third-party websites of our business partners, advertisers, and social media sites and our users may post links to third-party websites. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for their policies. We strongly recommend that you read their privacy policies and terms and conditions of use to understand how they collect, use, and share information. We are not responsible for the privacy practices or the content on third-party websites.

14. Your California Privacy Rights

In California, you may opt in to have personal information about you shared with third parties for their direct marketing purposes. Consistent with California Civil Code Section 1798.83, if you no longer wish to have personal information about you shared with third parties for their direct marketing purposes, please email us at privacy@YeeGoals.com to request to not have your information shared in this manner.

The California Consumer Privacy Act (CCPA) provides for additional rights for California consumers. Your rights under the CCPA include: a) the right to request that a business that collects a consumer's personal information disclose to that consumer the categories and specific pieces of personal information the business has collected; b) the right to request that a business delete certain personal information about the consumer which the business has collected from the consumer; c) the right to request that a business that collects personal information about the consumer disclose to the consumer the categories of personal information it has collected about that consumer, the categories of sources from which the personal information is collected, the business or commercial purpose for collecting or selling personal information, the categories of third parties with whom the business shares personal information, and the specific pieces of personal information it has collected about that consumer; d) the right to request that a business that sells the consumer's personal information, or that discloses it for a business purpose, disclose to that consumer the categories of personal information that the business sold or disclosed; and e) the right to opt-out of the sale of personal information.

These rights do not apply to personal information collected, processed, sold, or disclosed pursuant to the federal Gramm-Leach-Bliley Act (GLBA), including certain information relating to financial services we offer such as information about financial accounts, credit information, or information collected as part of the application process. Most of the information we collect is subject to the GLBA ("GLBA Information") and therefore not subject to the CCPA and the rights described above.

However, GLBA Information may be subject to a different California law called the California Financial Information Privacy Act. Your privacy choices under this law are set forth in the form called "Important Privacy Choices for Consumers(This need an hyperlink to a form that is already done)."

To the extent your information is subject to the CCPA, you may exercise your rights under the CCPA by submitting the form at https://www.YeeGoals.com/californiaprivacy. You will be asked to provide certain identifying information to verify your consumer request, such as your name, social security number, date of birth, email address, and your mailing address. You will be required to verify your email address. You may also send an email to californiaprivacy@YeeGoals.com for more information.

YeeGoals does not sell your personal information as described in the CCPA.

YeeGoals does not sell personal information of minors as described in the CCPA.

You have a right not to receive discriminatory treatment by the business for the exercise of the privacy rights conferred by the CCPA. Also, you may designate an authorized agent to make a request under the CCPA on your behalf.

15. Notification of Privacy Policy Changes

We reserve the right to update this Privacy Policy and will notify you if we do so; however, we encourage you to regularly review this policy for the latest information.

This Privacy Policy will be updated periodically and posted on our Site. We reserve the right to change this policy at any time by posting revisions. You agree to review the Privacy Policy periodically and become aware of modifications. By accessing or using the Site, you agree to be bound by all of the terms and conditions of Our Privacy Policy as posted at the time of your access or use

We may update this privacy policy to reflect changes to our information practices. If we make any material changes we will notify you by email (sent to the email address specified in your account) or by means of a notice on this Site. We encourage you to periodically review this page for the latest information on our privacy policy. When we make changes to this Privacy Policy we will revise the revision date at the top of the Privacy Policy.

16. How to Contact Us

If you have any questions about this Privacy Policy or our websites, please contact us at privacy@YeeGoals.com.

If you have a privacy or data use concern, please contact us first at privacy@YeeGoals.com.

17. Incorporation

This Privacy Policy is incorporated into YeeGoals’ Terms of Service and vice versa. By acceptance of this policy you also accept YeeGoals’ Terms of Service.

18. Your Acceptance of These Terms

By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.

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