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Day One Credit Privacy Policy

Last Updated May 23, 2020

This website (the “Website”) is operated by Project 17, LLC (“Company,” “we” or “us”). We provide this Privacy Policy to explain how Company collects, uses and shares information from you when you use the Website and/or submit a Loan Inquiry and to help you make an informed decision as to whether to use or continue using the Website.

1. Who controls your personal information?

Any personal information provided to or gathered by Company is controlled by:

Project 17, LLC
9265 Dowdy Drive, Suite 228
San Diego CA 92126
UNITED STATES
privacy@dayonecredit.com

1. What information do we collect from you?

The amount and type of information we gather depends upon your use of the Website and, in some cases, what type of information you choose to disclose. We may collect the following information from you:

Personal Information Provided by You

We collect information from you when you voluntarily submit your personal information to us over the Website, including as part of a Loan Inquiry (as that term is defined in our Terms of Service). Such personal information may include your name, address, telephone number, email address, social security information or other identification number, driver’s license number, bankruptcy history, employment and income information, and other information which you voluntarily provide to us.

Device/Internet Connection Information

When you use the Website, we automatically gather information made available by your web browser (such as Microsoft Edge or Google Chrome), Internet service provider (such as Comcast or Cox), and device (such as your computer, phone, or tablet), depending on your settings for each. For example, we may collect your IP address, information about the operating system or type of device you use, the date and time you access the Website, your log in attempts, and the location of your device.

Information Provided by Third Parties

Company may receive information about you and your Internet activities if you have provided it to a Third-Party and we subsequently purchase, license, or otherwise acquire the information from the Third-Party. For example, when you submit a Loan Inquiry, you authorize DayOne to obtain your credit report, which includes information reported by third-party creditors and institutions. These Third Parties may have collected such information by placing Cookies on your device, using web beacons, gathering IP addresses and log data, and so forth as described below.

Other Information

From time to time, we may obtain other information from you, such as when you make a claim for a prize pursuant to a contest or other promotion run on the Website, when you request assistance through our customer service department, and when you voluntarily subscribe to Company promotions, reminders or newsletters. You will always be asked to provide such other information voluntarily, and we will not collect it without your permission.

2. How do we use Cookies?

“Cookies” are files that are placed on your computer or other device by websites you visit. The purpose of a Cookie is to identify you as a unique user of the Website. Cookies serve a lot of purposes and, among other things, help to customize your Internet experience, keep you logged into websites, remember your search terms, and advertise products or services to you. Some Cookies include tracking technology, such as web beacons, that can be used to track online behavioral habits for measurement and marketing purposes.

Company currently uses Cookies and web beacon technology to associate certain Internet-related information about you with information we already have in our database, for the following purposes:

  • To Verify You. We use Cookies to verify make it so you do not have to reenter your information each time you use the Website.
  • To Analyze User Trends. We also use Cookies for analytics and performance—that is, to gather information that helps us understand how you and other users engage with the Website and our Third-Party partners and figure out how to do it better.
  • To Provide Support to You. We also use Cookies, including those placed by Third Parties, to provide customer support services.
  • To Advertise to You.We also use Cookies and web beacons, including those placed by Third Parties such as Google and Facebook, to deliver Personalized Ads that may be of interest to you. We may also use a web beacon in email messages sent to track your response. Cookies and web beacons also help us and our Third-Party advertising partners ensure you do not see the same advertisements over and over and to identify block unwanted ads.

Like many websites, Company uses Google services and Cookies to improve the Website and advertise to users like you, as described more fully below. As such, when you use the Website, your personal information may be shared with Google, and shared by Google with Company. You can learn more about how Google uses Cookies, and how to manage your Cookie preferences in your Internet browser and revoke your consent to Personalized Ads, by visiting the Google Cookie Policy.

Company also uses the Facebook cookie to deliver Personalized Ads to you, as that term is described below. You can learn more about how Facebook gathers and uses personal information via Cookies, including how to set your Cookie preferences within Facebook, by visiting the Facebook Cookie Policy.

Remember, you can change your Cookie settings in your Internet browser (e.g., Chrome, Edge, Firefox). For more information, see www.CookieChoices.org.

3. How do we use your information?

We use the information we’ve gathered from you, including through Cookies and web beacons, for the following purposes:

To Communicate with You

We use information gathered on the Website to personalize communication with you, and to respond to your requests for products, services, and information. By providing your email address to Company through the Website, you consent to receive emails from Company, including information concerning your Loan Inquiry, special offers from Company, and other advertising messages. Providing such consent is NOT a condition of purchasing any goods or services from Company. You can unsubscribe to advertising emails at any time by clicking the unsubscribe link within the email, or by contacting us at privacy@dayonecredit.com. Please note that, even if you unsubscribe from advertising emails, we will still send you any necessary, non-promotional emails about your Loan Inquiry or updates to our Privacy Policy and Terms of Service.

To Improve our Services

Company uses the information we collect from you and other users to improve our product offerings and services. For example, we may consider analytics, demographics, and user feedback collected via the Website in determining whether there is sufficient demand for a new product or service.

To Improve the Website

Company uses the information we collect from you and other users to provide and improve the Website. As explained above, we use Cookies, including those placed by Third Parties, to gather statistical information that helps us understand how you and other users engage with the Website and improve its performance.

To Personalize Your User Experience

We use information gathered from Cookies to determine whether you are logged in or not, to allow you to set personal preferences when using the Website, and to make it so you don’t have to reenter the same information when you visit the Website several times within a short timeframe.

To Advertise to You

We may use information gathered through Cookies and web beacons, including those placed by Third Parties, to deliver ads to you via the Website, and after you’ve left the Website, including advertising specific to your personal interests. The purpose of this practice, which is sometimes called “Personalized Ads,” “retargeting,” or “remarketing” is to deliver content and advertising that is of interest to you, and to avoid displaying irrelevant advertising to you.

You can better learn about such Third-Party data collection and advertising practices, including how to revoke your consent to Personalized Ads, at the following websites:

www.CookieChoices.org

www.youronlinechoices.com/uk/your-ad-choices

www.networkadvertising.org/choices

www.aboutads.info/choices

In addition, we may use personal information, such as your email address, to advertise and market our products and services by through email to you, unless or until you have revoked your consent to receive marketing emails.

4. How do we share your information with others?

To Obtain Your Credit Report

When you submit a Loan Inquiry, we transfer your personal information to Third Party credit bureaus to obtain your credit report. By submitting a Loan Inquiry, you are authorizing DayOne and/or its associated lenders and dealers to ask for a copy of your credit report from a credit reporting agency. This is known as a “hard inquiry” and may (a) show up on your credit report and/or (b) affect your credit score. Submission of your Loan Application will serve as written instructions under the Fair Credit Reporting Act that DayOne and/or its associated lenders and dealers may obtain your credit report and/or review your credit history and credit score for purposes of deciding whether to approve you for a Bankruptcy Car Loan.

To Share Your Loan Inquiry with Lenders and Dealers

We may transfer your personal information to Third Parties, such as our affiliated lenders and dealers, so they can determine whether to provide you with a non-binding offer for a Bankruptcy Car Loan.

To Advertise to Others

We may share your reviews, comments, and other content uploaded by you to advertise and market our Website and the Services. If you want us to stop using the personal data you have provided in these ways, please contact us at privacy@dayonecredit.com.

To Our Affiliated Companies

Affiliated companies are different than Third Parties in that affiliated companies are businesses that are directly related to us and have common ownership with us. We may disclose, transfer, and sell your information to our affiliated companies, in which event, your information shall be treated by the affiliated companies in accordance with this Privacy Policy. Should Company be subject to an acquisition, merger, sale or other change of control or business entity status, we reserve the right to transfer or assign your information as part of that acquisition, merger or sale.

To Our Third-Party Partners, Including Advertising Partners

We may disclose your personal information as needed to our Third-Party service providers and advertising partners. For example, we may share your email address with our email fulfillment provider.

To Comply with Legal Process and Prevent Harm

We may disclose your information in response to subpoenas, court orders, and other legal processes. In very rare circumstances, we may disclose personal information when we believe it is necessary in order to prevent illegal, fraudulent, or injurious actions that may cause harm to individuals.

5. How do we secure your information?

Company, and the Third-Party vendors we use to store your information, employ security measures (such as SSL encryption and HTTPS protocol) to protect against the loss, misuse, and alteration of the information under our control.

However, no system can be completely secure. Therefore, although we take steps to secure your information, we cannot promise, and you should not expect, that your personal and commercial information, or other communications, will always remain secure.

6. We store your personal information in the United States.

Company stores personal information in the United States. If you are visiting the Website from a location outside of the United States, your connection will be through and to servers located in the United States, and all information you provide will be processed and securely maintained in our web servers and internal systems located within the United States. By using the Website, you authorize and specifically consent to the transfer of personal information to the United States and its storage and use as specified above when you provide such information to us.

7. Do we sell your personal information?

Yes. Please take notice that your information may be sold to a Third Party. As explained in the Terms, this Website is for people looking for a car loan who do not qualify for a traditional loan due to a Chapter 7 or Chapter 13 bankruptcy. Company connects such people with Third Parties—namely, lenders and dealers who offer Bankruptcy Car Loans, or may do so in the future. Company necessarily passes on your personal information to these Third Parties so they may contact you regarding your loan options, and Company is paid by these Third Parties. The categories of information involved are:

Information you provide to us as part of your inquiry or application

Device/Internet Connection Information

Geolocation Information

RIGHT TO OPT-OUT OF SALE OF PERSONAL INFORMATION

You have the right, at any time, to direct Company not to sell your information. You may do so by filling out the Do Not Sell My Personal Information form on the Website.

8. How can you access or correct your information?

You may access all information we’ve collected and retained about you for purposes of correcting, amending, downloading, or deleting such information. Access can be obtained by filling out a Privacy Request, or contacting us at privacy@dayonecredit.com.

To protect your privacy and security, we may take reasonable steps to help verify your identity before granting access, making corrections, providing you with information, or deleting information.

Access and Correction

The easiest way to access and correct the personal information we have collected about you is to fill out a Privacy Request or contact us at privacy@dayonecredit.com.

Right to Request Disclosure

You have the right to request that Company disclose the following to you:

The categories of personal information we have collected about you;

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 we share personal information; and

The specific pieces of personal information we have collected about you.

To request such a disclosure, please fill out a Privacy Request, or contact us at privacy@dayonecredit.com.

Right to Request Deletion

You have the right to request that Company delete any personal information about the you which we have collected from you. To make such a request, please fill out a Privacy Request, or contact us at privacy@dayonecredit.com.

California Shine the Light Disclosure

Under California’s “Shine the Light” law, California residents who provide personal information to the Website may request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please fill out a Privacy Request, or contact us at privacy@dayonecredit.com.

Cal. Bus. & Prof. Code § 22581 Disclosure

If you are a California resident under the age of 18, and a registered user of any Website where this Privacy Policy is posted, California Business and Professions Code Section 22581 permits you to request and obtain removal of content or information you have publicly posted. To make such a request, please fill out a Privacy Request, or contact us at privacy@dayonecredit.com with a detailed description of the specific content or information. Please be aware that such a request does not ensure complete or comprehensive removal of the content or information you have posted and that there may be circumstances in which the law does not require or allow removal even if requested.

RIGHT TO OPT-OUT OF SALE OF PERSONAL INFORMATION

You have the right, at any time, to direct Company not to sell your information. You may do so by filling out the Do Not Sell My Personal Information form on the Website.

9. How do we protect the privacy of children?

No Users Under 13

Company will never knowingly collect any personal information about children under the age of 13. If we obtain actual knowledge that we have collected personal information about a child under the age of 13, that information will be immediately deleted from our database. Because we do not collect such information, we have no such information to use or to disclose to Third Parties. We have designed this policy in order to comply with the Children’s Online Privacy Protection Act (COPPA).

Right to Opt In For Users 13 to 16

Company will never sell the personal information of users if we have actual knowledge that the user is less than 16 years of age, unless (in the case of consumers between 13 and 16 years of age) the user has affirmatively authorized the sale of their personal information.

Cal. Bus. & Prof. Code § 22581 Disclosure

If you are a California resident under the age of 18, and a registered user of any Website where this Privacy Policy is posted, California Business and Professions Code Section 22581 permits you to request and obtain removal of content or information you have publicly posted. To make such a request, please fill out a Privacy Request, or contact us at privacy@dayonecredit.com with a detailed description of the specific content or information. Please be aware that such a request does not ensure complete or comprehensive removal of the content or information you have posted and that there may be circumstances in which the law does not require or allow removal even if requested.

10. Do we respond to Do Not Track (DNT) Signals?

DNT is a feature offered by some browsers which, when enabled, sends a signal to websites to request that your browsing is not tracked. Company does not currently respond to DNT requests.

11. What about Third-Party practices?

Third Party Cookies and Web Beacons

Advertising agencies, advertising networks, and other companies (together, “Third Parties”) who place advertisements on the Website and on the Internet generally may use their own cookies, web beacons, and other technology to collect information about individuals. Except as expressly provided herein, we do not control Third Parties’ use of such technology and we have no responsibility for the use of such technology to gather information about individuals. It is up to you to familiarize yourself with the privacy practices of such Third Parties.

Third Party Links

The Website and email messages may contain hypertext links to the websites of Third Parties, including our associated lenders and dealers. We are not responsible for the privacy practices or the content of such other websites. Linked websites may contain links to websites maintained by Third Parties. Such links are provided for your convenience and reference only. We do not operate or control in any respect any information, software, products or services available on such Third-Party websites. The inclusion of a link to a website does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.

12. How will you find out about changes to the Privacy Policy?

Each time you use the Website, the then-current version of this Privacy Policy will apply. Although most changes are likely to be minor, we reserve the right to modify this Privacy Policy by posting such modification on this page; however, if changes are significant, we may provide a more prominent notice or email you. Unless we receive your express consent, any revised Privacy Policy will apply only to information collected after the effective date of such revised Privacy Policy, and not to information collected under any earlier version.