Privacy Policy

 

  The Privacy Policy was updated on


  September 19, 2017

  1. Why should you read this?

You should read this policy carefully because it is a legal document that governs your use of VOLA. We have made this contract easy for you to read, free of legal jargon. Plus, we care about your privacy and pledge to practice what we say in this policy.

  1. What does this privacy policy cover?

This policy covers how Checler Inc. treats personal information that Checler collects and receives. This policy does not apply to the practices of companies that Checler does not own or control (such as Apple, Inc., the Apple iTunes Store, or Facebook) or to people that Checler does not employ or manage.

  1. Personally-Identifiable Information

 

  • Personally-Identifiable Information (PII) is data that could potentially identify a specific individual.

 

  • Depending on the services you choose, we may collect your PII from a third party that helps us verify your identity and bank account details, including, but not limited to, a copy of your government-issued photo ID or a bank statement. We may also obtain information about you from the financial institution providing your bank account.

 

  • The following table shows the type of information we collect on the following events specified:

 

 

DOWNLOADING VOLA

ACCOUNT CREATED

LOAN APPLICATION

FACEBOOK LOGIN

Name

Address

Age

Birth Date

Phone Number

SSN

E-mail

GPA

SCHOOL

Geo-Location

 

Account Number

Credit Score

 

  1. Non-Personally Identifiable Information

 

  • Non-PII is information which cannot be used on its own to identify you. We will collect non-personal information from you but will not facilitate the merging of personal information with non-personal information unless we have given you notice and obtained your clear consent (e.g., opt-in).

 

  • The following table shows the type of non-personally identifiable information we collect on the following events specified:

 

 

DOWNLOADING VOLA

ACCOUNT CREATED

LOAN APPLICATION

FACEBOOK LOGIN

Geo-Location

Browser Type

Device Type

Language Preference

Screen Size

Date and Time of Visits

 

  1. Sharing Information with Third Parties

 

  • We don’t share or sell your information for commercial purposes. However, all financial companies need to share customers’ personal information to run their everyday business.

 

  • In order to most effectively serve you, we use services from established third party payment providers (such as with PLAID TECHNOLOGIES INC, YODLEE INC) to handle credit card transactions and order fulfillment. These companies receive the information needed to verify and authorize your credit card or other payment information and to process and ship your order.

 

  • The following table lists the reasons for which we choose to share and whether you can limit this sharing:

 

Reasons We Share

 

Does Checler Inc. share?

Can you limit this sharing?

For our everyday business purpose

(such as to process your transactions, maintain accounts, maintain our computer system, or report to credit bureaus)

Yes

No

For our marketing purpose

(to offer our products and services to you)

Yes

No

For joint marketing with other financial companies

No

We don’t share

For affiliates’ everyday business purpose

(information about your transactions and experiences)

Yes

No

For affiliates to market to you

No

We don’t share

For non-affiliates to market to you

No

We don’t share

 

  1. Your Rights under Federal Law

Federal law gives you the right to limit our sharing of your personal information with nonaffiliates, which we do not currently do. Should we change our practice, we will change this privacy policy, give you notice, and offer ways for you to opt-out the sharing.

 

  1. Confidentiality and Security

 

  • Checler has physical, electronic and procedural safeguards to protect personal information about you.

 

  • No internet or e-mail transmission is ever fully secure or error free. Checler encourages users to use SSH and SCP (secure Telnet and FTP) programs in order to better safeguard your personal information.

 

  • Checler is not responsible for any disclosure or “leak” of your personal and nonpersonal information should any of measures by providers of mobile telephone services (Apple iPhone, Apple iOS, and Sprint, AT&T, and Verizon) fail to work for any reason.

 

  1. Your Choices as a User

 

  • Once your VOLA member account profile has been created, you can review and revise that information by visiting your settings page on the application.

 

  • You may terminate your account with us at any time by submitting a request to hello@volaloans.com. Please note that we may retain your personal data and other information beyond the end of your relationship with us in accordance with our internal record-keeping policies and with applicable law, including to comply with legal reporting obligations.

 

  1. Notice for Minors

 

Persons under the age of 17 may not use VOLA in any way. We do not knowingly collect information from users below the age of 17. If we learn that we have collected the personal information of a child under 17 we will take steps to delete the information as soon as possible.

 

  1. Your California Privacy Rights

• We give users who are California residents the following information upon their request: (1) the types of personal information we share with third parties for the third party's marketing purposes, and (2) the identities of the third parties with whom we have shared this information during the immediately preceding calendar year.

• If you are a California resident, and would like to make such a request, please submit your request via E-mail to hello@volaloans.com.

  1. Governing Law

 

If disputes arise, the laws of New York, disregarding its conflict-of-law principles, will control interpretation of this privacy policy.

 

  1. Privacy Questions

 

If you have any questions or concerns about VOLA’s Privacy Policy or data processing or if you would like to make a complaint about a possible breach of local privacy laws, please contact us. You can always contact us by phone at the e-mail address hello@volaloans.com

 

  1. Changes to Privacy Policy

We may update our Privacy Policy from time to time. When we change the policy in a material way, a notice will be posted on our website along with the updated Privacy Policy.