Privacy Policy
Types Of Information We Collect.
The following provides examples of the type of information that we collect from you and how we use that information.
| Content | Types of Data | Primary Purpose For Collection and Use of Data |
| Account Registration | We collect your name and contact information when you create an account, and may also collect additional information such as your date of birth. We also collect information relating to the actions that you perform while logged into your account. | We have a legitimate interest in providing account relating functionalities to our users. Accounts can be used for easy checkout and to save your preferences and transaction history. |
| User Information | We collect the name, date of birth, Social Security Number, and contact information (email, postal address and phone number), of our Users and their employees with whom we may interact. | We have a legitimate interest in contacting our Users and communicating with them concerning normal business administration such as projects, services, and billing. |
| User wallet and crypto asset information | We gather information from your third party wallet or crypto custodian regarding the number and type of crypto assets that you hold. We also gather information about your third party accounts, including account numbers and other characteristics. | We gather information from your third party wallet or crypto custodian regarding the number and type of crypto assets that you hold. We also gather information about your third party accounts, including account numbers and other characteristics. |
| Cookies and first party tracking | We use cookies and clear GIFs. “Cookies” are small pieces of information that a website sends to a computer’s hard drive while a web site is viewed. See our Cookie Policy for more information. | We have a legitimate interest in making our website operate efficiently. |
| Cookies and Third Party Tracking | We participate in behavior-based advertising, this means that a third party uses technology (e.g., a cookie) to collect information about your use of our website so that they can provide advertising about products and services tailored to your interests on our website, or on other websites. See our Cookie Policy for more information. | We have a legitimate interest in engaging in behavior-based advertising. |
| Feedback/Support | When you sign up for one of our mailing lists we collect your email address or postal address. | We have a legitimate interest in sharing information about our products or services. |
| Mailing List | When you sign up for one of our mailing lists we collect your email address or postal address. | We have a legitimate interest in sharing information about our products or services. |
| Mobile Devices | We collect information from your mobile device such as unique identifying information broadcast from your device when visiting our website or when visiting one of our stores. | We have a legitimate interest in identifying unique visitors, and in understanding how users interact with us on their mobile devices. |
| Website Interactions | We use technology to monitor how you interact with our website. This may include which as you click on, or information that you type into our online forms. | We have a legitimate interest in understanding how you interact with our website to better improve it, and to understand your preferences and interests in order to select offerings that you might find most useful. |
| Web Logs | We collect information, including your browser type, operating system, Internet Protocol (IP) address (a number that is automatically assigned to a computer when the Internet is used), domain name, click-activity, referring website, and/or a date/time stamp for visitors. | We have a legitimate interest in monitoring our networks and the visitors to our websites. Among other things, it helps us understand which of our services is the most popular. |
In addition to the information that we collect from you directly, we may also receive information about you from other sources, including third parties, business partners, our affiliates, or publicly available sources. For example, if you submit a job application, or become an employee, we may conduct a background check
Use And Processing Of Information.
In addition to the purposes and uses described above, we use information in the following ways:
- To identify you when you visit our websites or our stores.
- To provide products and services or to process returns.
- To improve our services and product offerings.
- To streamline the checkout process.
- To conduct analytics.
- To respond to inquiries related to support, employment opportunities, or other requests.
- To send ieting and promotional materials, including information relating to our products, services, sales, or promotions.
- For internal administrative purposes, as well as to manage our relationships.
Sharing Of Information.
In addition to the specific situations discussed elsewhere in this policy, we disclose information in the following situations:
- Affiliates and Acquisitions. We may share information with our corporate affiliates (e.g., parent company, sister companies, subsidiaries, joint ventures, or other companies under common control). If another company acquires our company, business, or our assets, we will also share information with that company.
- Other Disclosures with Your Consent. We may ask if you would like us to share your information with other unaffiliated third parties who are not described elsewhere in this policy.
- Other Disclosures without Your Consent. We may disclose information in response to subpoenas, warrants, or court orders, or in connection with any legal process, or to comply with relevant laws. We may also share your information in order to establish or exercise our rights, to defend against a legal claim, to investigate, prevent, or take action regarding possible illegal activities, suspected fraud, safety of person or property, or a violation of our policies, or to comply with your request for the shipment of products to or the provision of services by a third-party intermediary.
- Partner Promotion. We may offer contests, sweepstakes, or other promotions with third party partners. If you decide to enter a contest, sweepstakes, or promotion that is sponsored by a third party partner the information that you provide will be shared with us and with them. Their use of your information is not governed by this privacy policy.
- Service Providers. We may share your information with service providers. Among other things service providers may help us to administer our website, conduct surveys, provide technical support, process payments, and assist in the fulfillment of orders.
Your Choices.
You can make the following choices regarding your personal information:
- Promotional Emails. You may choose to provide us with your email address for the purpose of allowing us to send free promotional materials to you, as well as targeted offers from third parties. You can stop receiving promotional emails by following the unsubscribe instructions in e-mails that you receive. If you decide not to receive promotional emails, we may still send you service related communications.
- Promotional Text Messages. If you receive a text message from us that contains promotional information you can opt-out of receiving future text messages by replying “STOP.”
- Access To Your Personal Information.If required by law, upon request, we will grant you reasonable access to the personal information that we have about you. You may request access to your personal information by contacting us at the address described below.
- Changes To Your Personal Information.We rely on you to update and correct your personal information. Most of our websites allow you to modify or delete your account profile. Note that we may keep historical information in our backup files as permitted by law. If our website does not permit you to update or correct certain information contact us at the address described below.
- Deletion Of Your Personal Information.Typically we retain your personal information for the period necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required or permitted by law. If required by law, you may, however, request information about how long we keep a specific type of information, or request that we delete your personal information by contacting us at the address described below. In addition, we may keep your personal information as needed to comply with our legal obligations, resolve disputes, and/or enforce any of our agreements.
- Revocation Of Consent.If you revoke your consent for the processing of personal information then we may no longer be able to provide you services. In some cases, we may limit or deny your request to revoke consent if the law permits or requires us to do so, or if we are unable to adequately verify your identity. You may revoke consent to processing (where such processing is based upon consent) by contacting us at the address described below.
- Online Tracking.We do not currently recognize automated browser signals regarding tracking mechanisms, which may include “Do Not Track” i nstructions.
- California Residents.California residents may be entitled to ask us for a notice describing what categories of personal information (if any) we share with third parties or affiliates for direct ieting. If you are a California resident and would like a copy of such notice, please submit a written request to us using the information in the “Contact Information” section below.
How We Protect Personal Information
No method of transmission over the Internet, or method of electronic storage, is fully secure. While we use reasonable efforts to protect your personal information from unauthorized access, use, or disclosure, we cannot guarantee the security of your personal information. In the event that we are required by law to inform you of any unauthorized access to your personal information we may notify you electronically, in writing, or by telephone, if permitted to do so by law.
Our website may permit you to create an account. When you do you will be prompted to create a password. You are responsible for maintaining the confidentiality of your password, and you are responsible for any access to or use of your account by someone else that has obtained your password, whether or not such access or use has been authorized by you. You should notify us of any unauthorized use of your password or account. Miscellaneous
The following additional information relates to our privacy practices:
- Transmission Of Information To Other Countries. Your information may be processed in a foreign country where privacy laws may be less stringent than the laws in your country. Nonetheless, where possible we take steps to treat personal information using the same privacy principles that apply pursuant to the law of the country in which we first received your information. By submitting your personal information to us you agree to the transfer, storage and processing of your information in a country other than your country of residence including, but not necessarily limited to, the United States. If you would like more information concerning our attempts to apply the privacy principles applicable in one jurisdiction to data when it goes to another jurisdiction you can contact us using the contact information below.
- Third Party Applications/Websites. We have no control over the privacy practices of websites or applications that we do not own.
- Changes To This Privacy Policy. We may change our privacy policy and practices over time. To the extent that our policy changes in a material way, the policy that was in place at the time that you submitted personal information to us will generally govern that information unless we receive your consent to the new privacy policy.
Contact Information. If you have any questions, comments, or complaints concerning our privacy practices please contact us at the appropriate a ddress below. We will attempt to respond to your requests and to provide you with additional privacy-related information.
2121 S. El Camino Real, Ste 500, San Mateo, CA 94401
Last Revised: December 26, 2019
Types Of Information We Collect.
The following provides examples of the type of information that we collect from you and how we use that information.
|
Content |
Types of Dtata |
Primary Purpose For Collection and Use of Data |
|
Account Registration |
We collect your name and contact information when you create an account, and may also collect additional information such as your date of birth. We also collect information relating to the actions that you perform while logged into your account. |
We have a legitimate interest in providing account relating functionalities to our users. Accounts can be used for easy checkout and to save your preferences and transaction history. |
|
User Information |
We collect the name, date of birth, Social Security Number,and contact information, of our Users and their employees with whom we may interact. |
We have a legitimate interest in contacting our Users and communicating with them concerning normal business administration such as projects, services, and billing. |
|
Cookies and first party tracking |
We use cookies and clear GIFs. “Cookies” are small pieces of information that a website sends to a computer’s hard drive while a web site is viewed. See our Cookie Policy for more information. |
We have a legitimate interest in making our website operate efficiently. |
|
Cookies and Third Party Tracking |
We participate in behavior-based advertising, this means that a third party uses technology (e.g., a cookie) to collect information about your use of our website so that they can provide advertising about products and services tailored to your interests on our website, or on other websites. See our Cookie Policy for more information. |
We have a legitimate interest in engaging in behavior-based advertising. |
|
Feedback/Support |
When you sign up for one of our mailing lists we collect your email address or postal address. |
We have a legitimate interest in sharing information about our products or services. |
|
Mailing List |
When you sign up for one of our mailing lists we collect your email address or postal address. |
We have a legitimate interest in sharing information about our products or services. |
|
Mobile Devices |
We collect information from your mobile device such as unique identifying information broadcast from your device when visiting our website or when visiting one of our stores. |
We have a legitimate interest in identifying unique visitors, and in understanding how users interact with us on their mobile devices. |
|
Website Interactions |
We use technology to monitor how you interact with our website. This may include which as you click on, or information that you type into our online forms. |
We have a legitimate interest in understanding how you interact with our website to better improve it, and to understand your preferences and interests in order to select offerings that you might find most useful. |
|
Web Logs |
We collect information, including your browser type, operating system, Internet Protocol (IP) address (a number that is automatically assigned to a computer when the Internet is used), domain name, click-activity, referring website, and/or a date/time stamp for visitors. |
We have a legitimate interest in monitoring our networks and the visitors to our websites. Among other things, it helps us understand which of our services is the most popular. |
In addition to the information that we collect from you directly, we may also receive information about you from other sources, including third parties, business partners, our affiliates, or publicly available sources. For example, if you submit a job application, or become an employee, we may conduct a background check
Use And Processing Of Information.
In addition to the purposes and uses described above, we use information in the following ways:
• To identify you when you visit our websites or our stores.
• To provide products and services or to process returns.
• To improve our services and product offerings.
• To streamline the checkout process.
• To conduct analytics.
• To respond to inquiries related to support, employment opportunities, or other requests.
• To send ieting and promotional materials, including information relating to our products, services, sales, or promotions.
• For internal administrative purposes, as well as to manage our relationships.
Sharing Of Information.
In addition to the specific situations discussed elsewhere in this policy, we disclose information in the following situations:
1.Affiliates and Acquisitions. We may share information with our corporate affiliates (e.g., parent company, sister companies, subsidiaries, joint ventures, or other companies under common control). If another company acquires our company, business, or our assets, we will also share information with that company.
2.Other Disclosures with Your Consent. We may ask if you would like us to share your information with other unaffiliated third parties who are not described elsewhere in this policy.
3.Other Disclosures without Your Consent. We may disclose information in response to subpoenas, warrants, or court orders, or in connection with any legal process, or to comply with relevant laws. We may also share your information in order to establish or exercise our rights, to defend against a legal claim, to investigate, prevent, or take action regarding possible illegal activities, suspected fraud, safety of person or property, or a violation of our policies, or to comply with your request for the shipment of products to or the provision of services by a third-party intermediary.
4.Partner Promotion. We may offer contests, sweepstakes, or other promotions with third party partners. If you decide to enter a contest, sweepstakes, or promotion that is sponsored by a third party partner the information that you provide will be shared with us and with them. Their use of your information is not governed by this privacy policy.
5.Service Providers. We may share your information with service providers. Among other things service providers may help us to administer our website, conduct surveys, provide technical support, process payments, and assist in the fulfillment of orders.
Your Choices.
You can make the following choices regarding your personal information:
1.Promotional Emails. You may choose to provide us with your email address for the purpose of allowing us to send free promotional materials to you, as well as targeted offers from third parties. You can stop receiving promotional emails by following the unsubscribe instructions in e-mails that you receive. If you decide not to receive promotional emails, we may still send you service related communications.
2.Promotional Text Messages. If you receive a text message from us that contains promotional information you can opt-out of receiving future text messages by replying “STOP.”
3.Access To Your Personal Information. If required by law, upon request, we will grant you reasonable access to the personal information that we have about you. You may request access to your personal information by contacting us at the address described below.
4.Changes To Your Personal Information. We rely on you to update and correct your personal information. Most of our websites allow you to modify or delete your account profile. Note that we may keep historical information in our backup files as permitted by law. If our website does not permit you to update or correct certain information contact us at the address described below.
5.Deletion Of Your Personal Information. Typically we retain your personal information for the period necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required or permitted by law. If required by law, you may, however, request information about how long we keep a specific type of information, or request that we delete your personal information by contacting us at the address described below. In addition, we may keep your personal information as needed to comply with our legal obligations, resolve disputes, and/or enforce any of our agreements.
6.Revocation Of Consent. If you revoke your consent for the processing of personal information then we may no longer be able to provide you services. In some cases, we may limit or deny your request to revoke consent if the law permits or requires us to do so, or if we are unable to adequately verify your identity. You may revoke consent to processing (where such processing is based upon consent) by contacting us at the address described below.
7.Online Tracking. We do not currently recognize automated browser signals regarding tracking mechanisms, which may include “Do Not Track” i nstructions.
8.California Residents. California residents may be entitled to ask us for a notice describing what categories of personal information (if any) we share with third parties or affiliates for direct ieting. If you are a California resident and would like a copy of such notice, please submit a written request to us using the information in the “Contact Information” section below.
How We Protect Personal Information
No method of transmission over the Internet, or method of electronic storage, is fully secure. While we use reasonable efforts to protect your personal information from unauthorized access, use, or disclosure, we cannot guarantee the security of your personal information. In the event that we are required by law to inform you of any unauthorized access to your personal information we may notify you electronically, in writing, or by telephone, if permitted to do so by law.
Our website may permit you to create an account. When you do you will be prompted to create a password. You are responsible for maintaining the confidentiality of your password, and you are responsible for any access to or use of your account by someone else that has obtained your password, whether or not such access or use has been authorized by you. You should notify us of any unauthorized use of your password or account. Miscellaneous
The following additional information relates to our privacy practices:
•Transmission Of Information To Other Countries. Your information may be processed in a foreign country where privacy laws may be less stringent than the laws in your country. Nonetheless, where possible we take steps to treat personal information using the same privacy principles that apply pursuant to the law of the country in which we first received your information. By submitting your personal information to us you agree to the transfer, storage and processing of your information in a country other than your country of residence including, but not necessarily limited to, the United States. If you would like more information concerning our attempts to apply the privacy principles applicable in one jurisdiction to data when it goes to another jurisdiction you can contact us using the contact information below.
•Third Party Applications/Websites.We have no control over the privacy practices of websites or applications that we do not own.
•Changes To This Privacy Policy. We may change our privacy policy and practices over time. To the extent that our policy changes in a material way, the policy that was in place at the time that you submitted personal information to us will generally govern that information unless we receive your consent to the new privacy policy.
Contact Information. If you have any questions, comments, or complaints concerning our privacy practices please contact us at the appropriate a ddress below. We will attempt to respond to your requests and to provide you with additional privacy-related information.
123 Mission St., San Francisco, CA 94110
Last Revised: September 19, 2018
*Thank goodness Cred is not a bank.
Cred (US) LLC is a licensed lender and allows some borrowers to earn a yield on cryptocurrency pledged as collateral. Cred (US) LLC also rents cryptocurrency from users and pays rental fees calculated as an interest rate yield. The yield feature, whether as part of a pledge or a rental agreement, is sometimes referred to as “CredEarn.” Outside the United States, Cred Inc. accepts loans of cryptocurrency from non-U.S. persons and pays interest on those loans. Neither Cred Inc. nor Cred (US) LLC sell or offer to sell investments or securities; neither entity is a bank and no transaction or arrangement provided by either entity is guaranteed or insured by the FDIC or any other governmental entity. Cred makes no representation regarding its creditworthiness or financial position. Cred can extend the term of any loan, crypto rental or pledge in its discretion. “CredBorrow” and “crypto line of credit” (abbreviated “C-LOC”) are trade names for lending products of Cred (US) LLC. This communication may not be used to offer or sell anything in any jurisdiction if doing so is not lawful. All loans by Cred are made or arranged pursuant to California Finance Lenders Law License 60DBO-91480.
Thank goodness Cred is not a bank.
CredEarn is the trade name for a service offered to non-US persons by Cred LLC, which is an entity distinct and separate from Cred (US) LLC.
CredBorrow and C-LOC™ are trade names for lending products of Cred (US) LLC, a licensed lender and a wholly-owned subsidiary of Cred LLC. Loans, loan amounts, terms, and rates are not available in every jurisdiction, or for every collateral type. Available rates, loan amounts, and other terms are subject to change. Loan applicants are subject to AML and KYC screening. Terms, conditions, and restrictions apply.
Loans made or arranged pursuant to California Finance Lenders Law License 60DBO - 91480.