Credit Key Privacy Policy

Updated June 23, 2026

Policy Statement

This Privacy Policy (the “Policy”) applies to www.creditkey.com and any sub-domains or portals related thereto (the “Website”), which is owned and operated by Snap Credit, Inc. d/b/a/ Credit Key (“Credit Key,” “Us,” or We”). The Website facilitates our business loan products and related services (collectively “Services”). This Privacy Policy describes how Credit Key collects and uses the personal information you provide (directly or through third parties), or which is automatically generated, when you interact with the Website or use our Services.

Through its “Pay in 4” service, Credit Key helps suppliers of goods or services (“Merchants”) offer credit terms to businesses purchasing those goods or services (“Customers”). “Customer” also includes any lending customer of Credit Key. Each Merchant, Customer, visitor of the Website and user of the Services shall be referred to herein as “you” or “User”.

This Policy also describes the choices available to you regarding our use of your personal information and how you can access and update such information. For purposes of this Policy, “Personal Information” means information that personally identifies you, including your contact information, IP address, and loan application information. A large portion of the Personal Information we collect, use, share, and store is sensitive in nature, including your social security number and financial account information (“Sensitive Personal Information”).

All business loans and lines of credit issued by Lead Bank, a Missouri State Chartered Community Bank, Member FDIC, are also subject to Lead Bank’s Privacy Policy. Credit Key is not responsible for the privacy practices of Lead Bank, which maintains their own Privacy Policy located at https://lead.bank/privacy-and-terms. By applying for a loan or line of credit, providing any Personal Information via this Website or otherwise using this Website, you confirm that you have received and read the Lead Bank privacy policy and consent to the privacy practices disclosed therein. 

WHEN YOU ACCESS OR USE THE WEBSITE OR THE SERVICES, OR OTHERWISE PROVIDE ANY INFORMATION TO US, YOU AGREE TO THIS POLICY, INCLUDING THE MANNER IN WHICH WE USE YOUR INFORMATION, WHETHER OR NOT YOU HAVE AN ACCOUNT WITH CREDIT KEY. IF YOU DO NOT AGREE TO THIS POLICY, OR TO ANY CHANGES WE SUBSEQUENTLY MAKE TO THIS POLICY, YOU MUST IMMEDIATELY STOP USING THE SITE OR OTHERWISE PROVIDING ANY INFORMATION TO US.

This Policy shall not be construed in any manner to derogate from the terms and conditions of the Website, or any other agreement or understanding between Credit Key and you. This Policy shall not be construed in any manner to derogate from the terms and conditions of the Website, or any other agreement or understanding between Credit Key and you.

SUMMARY:

• You are not required by law to provide us with any Personal Information (defined below). Sharing Personal Information with us is entirely voluntary. However, certain Personal Information is required for us to provide the Services to you. If you do not provide such Personal Information, we will not be able to provide the Services to you.
• Our Website and Services are intended for Users over the age of 16, or equivalent minimum age for either providing consent to processing of Personal Information or using the Services in the relevant jurisdiction. Users under such age are not permitted to use the Services. If you are under such age you should cease to use the Services immediately. In certain jurisdictions using the Services may be restricted for Users under the age of 21.
• In certain jurisdictions you may be entitled under applicable law to request review, amend, erase or restrict the processing of your Personal Information. Please note that in case you request to erase or restrict the processing of your Personal Information, your use of the Services may be restricted or disabled. You may be entitled to exercise additional rights under the CCPA, as set forth herein.
• We do not sell, trade, or rent Users’ Personal Information to third parties. We only share Personal Information with third parties in connection with the provision of the Services to our Users, or other limited circumstances as specified herein.
• If you have any questions or requests regarding the processing of your Personal Information, or would otherwise like to contact us in connection with this Privacy Policy, please send us an email to: support@creditkey.com
  

Information We Collect

We focus exclusively on business-to-business transactions. As such, the Customers of our Merchants are normally businesses, and so the data we process is mostly that of companies rather than individuals. Some notable exceptions are when we process information regarding:

1. sole proprietors, who trade as an individual rather than as a company;
2. the details of individual employees at Merchants, Customers or our distribution partners;
3. individuals associated with these companies such as directors, officers and significant shareholders.

We collect both Personal Information and Non-Personal Information from you.

“Personal Information” means any information about an identifiable individual or that identifies or can be used to identify a natural person, including, but not limited to, first and last name, phone number, email address, online identifiers, IP address, billing information, information concerning households, devices etc.

“Non-Personal Information”, means non-identifiable aggregated data, such as technical data transmitted by the user’s device and aggregated use of the website. This data is not used to identify individuals.

We may collect the following information from you:

• Contact information such as your name, business name, email address, mailing address, and phone number;
• Financial information such as bank statements, credit card statements, your average bank balance, personal and business (if applicable) credit history, payment behavior, bank account information, and tax ID number;
• Transaction history which Users share with us, including historical sales and the details of future sales which they would like us to finance, as well as transaction value, issue date, due date, paid date etc.
• Details of the purchase to be financed or insured, including the items being purchased, the shipping address, and the shipping or tracking number;
• Name, address, date of birth and identity documents of the beneficial owners and directors or the individuals exercising significant control over the User;
• Information about your financial solvency;
• Any non-payment history of the User, including the status of any debt collection;
• Information about the device used by Users to undertake or confirm a transaction, such as the IP address, language and browser settings, operating system etc. as well as information about the User’s use of our website;
• Social security number;
• Unique identifiers such as user name and password, and IP address;
• Business information including company size, and business type (if applicable).

In addition to collecting information via our Website, we may also conduct a site visit to collect information, and obtain information and external data used by lenders to process applications and complete and manage transactions, e.g., from credit reporting agencies and other vendors, as well as from social media. Once you are a Credit Key customer, we may reach out to you for, or otherwise obtain, information if you decide to renew your loan or as otherwise needed to provide the Service.

Ways We Collect Information

We collect information that you provide us, from third parties, and automatically when you use the Website. We also collect information from cookies and other third-party tools. We may also collect information about your location.

Information we get automatically from your use of the Website. Certain information is provided to us automatically from your use of the Website, including:

• Information about your browser type, language preference, referring site, and the time of each visit.
• Information about how you use the Website (e.g. how long you use the Website, when you use the Website).
• Information about your approximate location.
• Information about you such as your Internet Protocol (IP) addresses, the Uniform Resource Locator (URL) accessed (which may reference the name of a board, card, username, or team), and the unique identification number associated with the account.
• Information collected from cookies, which is explained further in the following section.

Information you provide to us directly. We may collect the following personal information:

• Account information, such as your name, email address, postal address, telephone number and date of birth, if you choose to sign up for or purchase our Website.
• Transactional and financial information, including payment information, credit card number, expiration date, authentication code, and similar information, if you choose to purchase any products on our Website.
• Information you provide when you communicate with us, such as emailing us.

In each case, we only collect as much information as is necessary or appropriate given the type of interaction. We do not disclose personally identifying information other than as described below. And you can always refuse to supply personally identifying information, with the caveat that it may prevent you from engaging in certain activities or from using the Website.

When we collect your personal information, we'll tell you how we're using it, any types of third parties to which we might disclose it, (other than "agents," such as vendors or contractors, who are only processing such information for us or at our direction), and the choices we offer you to limit the use of your information.

Notice will be provided in clear and conspicuous language when you are first asked to provide us with personal information, or as soon as practicable thereafter, and we will notify you before we use the information for something other than the purpose for which it was originally collected.

Use of Information

We may use the information we collect to:

• Operate, maintain, improve, and provide to you the Service and Website and to conduct our business;
• Verify your identity and conduct appropriate diligence;
• Register you as a User and identify you when you sign in to your account;
• Process your application and determine whether or not your business qualifies for one of our loan products (if applicable);
• Process your business loan product account, including deducting automatic payments and/or fees (if applicable) or resolve billing issues with your account;
• Transfer information to others as described in this policy or to satisfy our legal, regulatory, compliance, or auditing requirements, including to disclose information to law enforcement authorities upon validly served legal process or a valid judicial instruction (for example, pursuant to a court order);
• Complete transactions you have initiated through the Website, protecting against or identifying possible fraudulent transactions, and otherwise as needed to manage our business.
• In the case of accounts created using business email domains, to provide your contact information to an administrator of the business email domain to facilitate the provision of additional products and/or services;
• Communicate with you about the Services, to send order confirmations, respond to customer service requests, send marketing communications, and send account update notifications;
• Evaluate the quality of our products and services, and to enhance your experience on our Website;
• Contacting you about new features, to solicit your feedback, or to keep you up to date with what's going on with the Website or our products. If we do send you information that you did not expressly request, we will provide you with a way to request that you don't get any similar notices (opt-out, unsubscribe, etc.).
• Conduct research and analyses to better understand our customers; and
• Produce data analytics and reports containing Non-Personal Information. Non-Personal Information may include Personal Information that has been aggregated, anonymized and will not identify you.

Sharing of Information

Credit Key will share your Personal Information with third parties only in the ways that are described in this Privacy Policy or as required by law. We will not sell your Personal Information to third parties.

We may share personal information about you as follows:

• With vendors, consultants, contractors and other service providers who access personal information to carry out work on our behalf and improve the products and services they provide to us (e.g., companies that assist us with web hosting, payment processing, fraud prevention, credit checks, due diligence, secure data storage, customer service, analytics, marketing and advertising);
• In response to a request for personal information if we believe disclosure is in accordance with any applicable law, regulation or legal process or as otherwise required by any applicable law, rule or regulation;
• If we believe your actions are inconsistent with our user agreements or policies or to protect the rights, property and safety of us or any third party;
• In connection with, or during negotiations of, any merger, sale of company assets, financing or transfer of all or a portion of our business to another company;
• With our current and future parents, affiliates, subsidiaries and other companies under common control and ownership;
• With our lawyers and other professional advisors where necessary to obtain advice or otherwise protect and manage our business interests; and
• With your consent or at your direction.

We may also share aggregated or de-identified information, which cannot reasonably be used to identify you.

We will provide your Personal Information to our trusted business partners, service providers and subsidiaries and affiliates to provide services to help us with our business activities, such as offering customer service, processing credit checks or secure data storage, and other similar services. These companies are authorized to use your Personal Information only as necessary to provide these types of services to us. In addition, we may share your basic information (name, company name, phone number, email address and requested loan amount) with one of our business partners to market their services to you, provided, however, if you do not want us to share your Personal Information in these circumstances with these business partners, please contact us to opt out by email at support@creditkey.com or by mail at the contact information listed below.

In addition, we may also share Non-Personal Information for the same reasons as we provide Personal Information and for business partners and others to conduct analyses and research and track marketing or other performance.

Some of our pages utilize framing or white-labeling techniques to serve content from our partners while preserving the look and feel of our Website. For example, our Careers page utilizes white- labeling techniques. Please be aware that in these instances you are providing your Personal Information to these third parties and not to Credit Key.

Changes to and Retention of Your Information

If your Personal Information changes, or if you no longer desire our Service, you may correct, update, amend, delete/remove, ask to have it removed from a public forum or testimonial on our Website or deactivate it by emailing our Customer Support at support@creditkey.com or by contacting us by mail at the contact information listed below in the “Contact Us” section. We will respond to your request within 30 days.

We retain personal information as long as your account is active or as required to provide you with the Website. If you decide to delete your account with us or otherwise opt-out from receiving information from us, we will generally delete your personal information, except in certain circumstances such as retaining certain personal information in anonymized or aggregated form about your use of the Website to analyze and improve the Website. We may also retain your personal information in order to protect our legal rights, or those of third party, or to comply with the law. You can find out further information by contacting us support@creditkey.com or by contacting us by mail at the contact information listed below in the “Contact Us” section.

Tracking Technologies

Credit Key and our partners (for example, our marketing partners), affiliates, or analytics or service providers, including our live chat, marketing trackers, and survey tool service providers use cookies or similar technologies. These technologies are used in analyzing trends, administering the Website, tracking users’ movements around the Website and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.  To learn more about your advertising choices relating to the collection and use of your information, please see the Opt-Out section below.

Cookies

A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We use cookies for user authentication and analytics. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our Website, but your ability to use some features or areas of our Website may be limited. If you would like to learn more about cookies or how to configure your browser, please visit www.allaboutcookies.org.

Log Files

As is true of most websites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you. We do this to improve services we offer you and to improve marketing, analytics, and Website functionality.

Behavioral Advertising/Re-Targeting

We partner with third parties to display advertising on our Website and manage our advertising on other sites. Our third-party partners may use technologies such as cookies to gather information about your activities on this Website and other sites in order to provide you advertising based upon your browsing activities and interests. If you wish to not have this information used for the purpose of serving you interest-based ads, you may contact us at support@creditkey.com. Please note this does not opt you out of being served advertisements. You may continue to receive generic advertisements.

California Do Not Track Disclosure

Do Not Track (“DNT”) is a privacy preference that users can set in their web browsers. When a user turns on the DNT signal, the browser sends a message to the Website requesting them not to track the user. For information about Do Not Track, visit www.allaboutdnt.org . At this time, we do not recognize or respond to DNT browser settings or signals and we will still receive information. As a result, we may still collect information about you and your internet activity, even if you have turned on the DNT signal.

However, you can adjust your browser settings to restrict Cookies. Also, it is possible that some or all of our third-party advertising partners or members of their affiliate network may participate in a consumer opt-out programs.

Your Options

If you do not wish to have cookies placed on your computer, you should set your browser to refuse cookies, but should be aware that certain features of our Website may not function properly without them. Please review your web browser settings to find out more on how to disable cookies. You can also visit the Digital Advertising Alliance and the Network Advertising Initiative pages to opt-out of cookies.

• To opt-out of third party tracking technologies used on our Website, please do as follows: to opt out of Google Analytics, click here (https://tools.google.com/dlpage/gaoptout).
• For information on how our advertising partners allow you to opt out of receiving ads based on your web browsing history, please visit http://optout.aboutads.info/.
• European users may opt out of receiving targeted advertising through the European Interactive Digital Advertising Alliance.
• To opt out of ads on Facebook, Pinterest or Google that are targeted to your interests, use your Facebook, Pinterest or Google Ads settings.

Security of Information

Credit Key takes the security of your information very seriously. Your information is securely sent to Credit Key with encryption over the Transport Layer Security (TLS) protocol. This creates an encrypted connection between your browser and our servers. Thus, when you enter Sensitive Personal Information (such as a credit card number) on our order forms, we encrypt the transmission of that information.

If you allow Credit Key to see your banking information online rather than in paper form, it is on a read-only basis. We do not have access to change, edit, or modify bank account information in any way. Credit Key employees cannot view your banking username and passwords.

All records containing personal or financial information are considered to be our property and are afforded confidential treatment at all times. We work hard to protect against the unauthorized access, use, alteration or destruction of personal or financial information. All such electronic information is stored on restricted database servers, and is generally kept until such time as you may ask us to edit or delete it, as described below. We only disclose such information to our employees, contractors or affiliates that a) need to know that information in order to process it for us or to provide other services, and b) have agreed not to disclose it to others. All interactions with our Website use the Secure Sockets Layer (SSL) protocol and firewall network protection. We use a third-party, industry-accepted Payment Gateway to securely process credit card transactions.

Unfortunately, information transmitted through the Internet may not be perfectly secure, and we are unable to guarantee the security of your personal information. We encourage you to take steps to help protect the confidentiality and security of your account and personal information, including by doing the following:

• Reviewing your account periodically and immediately reporting any unexpected activity or unrecognized information;
• Installing the latest security updates and anti-virus software on your computer to help prevent malware and viruses;
• Using complex passwords (a minimum of 7 alpha/numeric cAsE sEnsitive characters);
• Not using the same password on more than one website;
• Not sharing your password with others;
• Password protecting your computer and mobile device; and
• Sign out/log off of website sessions so that your session is closed, especially when using a public computer.

To protect Credit Key’s customers from fraudulent transactions on the Website, all orders are subject to review and verification. As part of the verification process, an order may be temporarily placed on hold in order to verify credit card billing information, which may include contacting the credit card holder.

Enforcement of this Privacy Policy

We will conduct internal audits of our compliance with this privacy policy, including an annual self-assessment. We will take all reasonable measures against any employee found to be in violation of this policy.

Intellectual Property

Credit Key, its suppliers, licensors, or the original creators of all materials on the Website own all copyrightable subject matter on the Website and all trademarks, patents, proprietary information, technologies, products, processes or other proprietary rights of Credit Key and/or such other parties. No license to or right in any such copyrights, trademarks, patents, proprietary information, technologies, products, processes and other proprietary rights of Credit Key and/or other parties is granted to or conferred upon you. In addition, direct linking, deep linking, framing, page-jacking, metatagging, and using a robot, spider, or automated device of any kind to monitor or copy the Website is strictly prohibited.

Notwithstanding the foregoing, Credit Key hereby authorizes you only to copy the content herein solely for your personal and private use in learning about, evaluating, or acquiring Credit Key products. Except where expressly noted, no other permission is granted to print, copy, reproduce, distribute, transmit, upload, download, store, display in public, alter, or modify the content contained on the Website. Any unauthorized use of any material contained on the Website may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. Any other use of materials on the Website, including reproduction for purposes other than those expressly permitted herein, modification, distribution, or republication, without prior written permission of Credit Key is strictly prohibited. Any copy made by you as permitted herein must retain all copyright and trademark notices, including any other proprietary notices, contained in the materials. The use of such materials on any other website or in any environment of networked computers is prohibited.

Transferring Your Personal Information If You Are Outside the United States

If you are outside the United States, any personally identifiable information you enter into the Website will be transferred out of your country and into the United States, and possibly to other countries. By using the Website, you consent to such transfer and are representing that you have the right to transfer such information outside your country. The laws that apply to the use and protection of personal information in the United States or other countries or jurisdictions in which we transfer or process personal information may be different than the laws and protections in your country. If you are accessing our Website from the European Union or United Kingdom, we will comply with applicable data protection laws anytime that we transfer your personal information outside of the European Economic Area (EEA). Some of the ways we will do so are:

• Where the transfer of your personal data is to a country that has officially been deemed to provide an adequate level of protection for personal data by the European Commission.
• Using the EU Model Clauses, which are specific contracts approved by the European Commission giving personal data the same protection it has in Europe.
• Transferring data to US-based providers if they are part of the Privacy Shield, which requires similar protection to personal data shared between the Europe and the US.

Our Legal Bases for Using Your Personal Information

If you are accessing our Website from the European Union and United Kingdom, we must only process your personal information where we have a legal basis to do so. This means that one of the following must apply when we use your personal information:

• You have consented to the use of your personal information. You may withdraw your consent at any time.
• We need to use your personal information to perform under our contract with you (i.e. providing our Website to you or processing payment for products).
• It is in our legitimate interests to use your personal information, for example as follows: in connection with our Website; to ensure that our Website is secure; to tell you about changes to our Website; to improve our Website; to tell you about offers or promotions we are running; for business reasons (for example to develop our business or if we are thinking of selling our business); for operational purposes; to tell you about new services or products we are offering.

Your Rights and Choices Regarding the Use of Your Personal Information

We provide a number of choices about how you may control the use, collection and storage of your personal information, and want you to be aware of that you have all of the following rights regarding your personal information:

• To “opt-out” of promotional or marketing emails from us.
• To have access to any personal information we hold about you.
• To ask us not to use your personal information for direct-marketing purposes.
• To ask us to erase the personal information we hold about you.
• To restrict the way that we process your personal information.
• To have a copy of any personal information which we hold about you.
• To have your personal information provided to a third-party provider of services.
• To object to our processing of your personal information.
• To complain to a data protection authority about our collection and use of your personal information. For more information, please contact your local data protection authority.
  

Contact details for data protection authorities in the EEA and Switzerland are available here. http://ec.europa.eu/newsroom/article29/item-detail.cfm?item_id=612080

You have the ability to correct, update, modify or delete your personal information by updating your information on the Website. Please note that some information may remain in our records even after you request deletion of your information. Additionally, there may be limits to the amount of information we can practically provide. For example, we may limit an individual's access to personal information where the burden or expense of providing access would be disproportionate to the risks to the individual's privacy or where doing so would violate others' rights.

Please contact us using the details below with any questions or requests in regards to any of the above.

Amendments to this Policy

We may amend this Policy from time to time by posting a revised version and updating the date in the Change Log below. In the event that we change this Policy to permit the collection and sharing of information with a non-agent third party, we will first give you the opportunity to explicitly consent (opt-in) to such disclosure or to any use of the information for a purpose other than the one for which it was originally collected or previously authorized.

ANY ACCESS OR USE OF THIS WEBSITE BY YOU AFTER NOTICE OF REVISIONS OR ADDITIONS TO THESE TERMS SHALL CONSTITUTE AND BE DEEMED TO BE YOUR ACCEPTANCE OF SUCH REVISIONS OR ADDITIONS.

Onward Transfer of Information

Prior to providing agents with any personal information, we will obtain assurances that they will safeguard it in accordance with this policy. In the unlikely event that we should discover that an agent is using personal information in a way that conflicts with this Policy, we will take all reasonable steps to stop it immediately.

Additional Information

Links to 3rd Party Sites

In the event our Website contains hypertext links to websites that are not created or maintained by Credit Key, this Policy applies only to the Website and not to any of these third party websites.

Credit Key is not responsible for the accuracy, relevance, timeliness, or completeness of those third party websites. The inclusion of any link to such websites does not imply endorsement, sponsorship, or recommendation by Credit Key of the third party websites. Credit Key disclaims any liability for links (1) from another website to this Website, and (2) to another website from this Website. Credit Key cannot guarantee the standards of any website to which links are provided on this Website, nor shall Credit Key be held responsible for the contents of those websites, or any subsequent links. For this reason, Credit Key does not represent or warrant that the contents of any third party website is accurate, compliant with state or federal law, or compliant with copyright or other intellectual property laws. Credit Key does not endorse the contents of these third party websites in any way. Also, Credit Key is not responsible for web casting or any other form of transmission received from any linked website. Any reliance on the contents of a third party website is done at your own risk, and you assume all responsibilities and consequences resulting from such reliance.

Testimonials

We may display personal testimonials of satisfied customers on our Website in addition to other endorsements. With your consent, we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us by email at support@creditkey.com or by postal mail at the contact information listed below.

Social Media Widgets

Our Website may include social media features, such as the Facebook “Like” button. These features may collect your IP address, which pages you are visiting on our Website, and may set a cookie to enable the feature to function properly. Social media features and widgets are either hosted by a third party or hosted directly on our Website. Your interactions with these features are governed by the privacy policy of the company providing it.

Protecting Children’s Privacy Online

The Website is not directed to individuals under the age of eighteen (18). No one under the age of 18 may provide any personal information to or through the Website. We do not knowingly collect information from children under 18 without parental consent. If you are under 18, please do not use or provide any information to or through the Website. By using the Website and agreeing to this Policy, you represent and warrant that you are at least 18 years of age. Visit the Federal Trade Commission website for more information about the Children's Online Privacy Protection Act (COPPA).

Opt-Out

Credit Key and our business partners may contact you to offer you products and services that may be of interest to you. You may opt out of these and other offers at any time. Out of respect for your privacy, you may choose to stop receiving our newsletter or marketing emails, telephone solicitations or other forms of contact from Credit Key and our trusted business partners by following the unsubscribe instructions included in these emails, accessing the email preferences in your account settings page or by contacting us by email at support@creditkey.com or by postal mail at to:

Snap Credit, Inc. d/b/a Credit Key 145 S Fairfax Ave

Los Angeles, CA 90036

If you are contacting us to opt-out of marketing communications, you must include your full name and email addresses and account number. Once we locate your contact information based on the information you provide us, it will be removed from our databases and mailings lists.

Your California Privacy Rights

As of January 1, 2020, California residents are provided with specific rights regarding their personal information. This section describes further how we comply with the requirements of the California Consumer Privacy Act of 2018 (“CCPA”) and your rights under that law. Any capitalized terms used but not defined in this section shall have the meanings given to them in the CCPA.

California Civil Code Section 1798.83 permits customers who are California residents to request certain information regarding our disclosures of personal information to third parties for their direct marketing purposes. To make such a request, please write to us at the following address:

By Email: support@creditkey.com, Subject “Privacy Policy Question”

By Mail:

Snap Credit, Inc. d/b/a Credit Key 145 S Fairfax Ave

Los Angeles, CA 90036

Collection and Use of Personal Information: In the preceding 12 months, we have collected the following categories of personal information: identifiers, information subject to Cal. Civ. Code § 1798.80(e), characteristics of protected classifications under California or U.S. law, commercial information, Internet or other electronic network activity information, geolocation data, professional or employment-related information, audio, electronic, visual or similar information, inferences drawn about you and other categories of personal information that relate to, describe or are reasonably capable of being associated with you. For examples of the precise data points we collect and the sources from which we collect this personal information, please see “Ways We Collect Information” above.

Recipients of California Personal Information.

We may share your personal information with third parties as described in the “Sharing of Information” section above.

The CCPA has defined a “sale” to include any transfer of personal information by us to another entity for anything of value. Sale is defined very broadly in the CCPA and encompasses the “sharing” of your information with third parties. We do not sell your information for monetary gain, but we may share your information with third parties like Google and Facebook.

In the preceding 12 months, we have disclosed the following categories of personal information for business or commercial purposes to the following categories of recipients:

Categories of Sources: We collect this personal information from the following categories of sources:

• Directly from consumers, including you;
• Service providers;
• Affiliates;
• Third party sources, including social media; and
• Consumer data resellers

Why We Use and Disclose California Information. We use and disclose the personal information we collect for our commercial and business purposes as further described in this Policy (see “Use of Information” above). These commercial and business purposes include, without limitation:

• Our commercial purposes, including marketing, advertising, offering promotions, authentication, providing you with information you request, identity resolution, fraud prevention, facilitating transactions, and providing you with customized services or recommendations near you (including marketing and advertising).
• Our business purposes as identified in the CCPA, which include:
• Auditing related to our interactions with you;
• Legal compliance;
• Detecting and protecting against security incidents, fraud, and illegal activity;
• Debugging and improving our services;
• Performing services (for us or our service provider) such as account servicing and analytics;
• Internal research for technological improvement;
• Internal operations;
• Processing job applications;
• Activities to maintain and improve our services; and
• Other one-time uses.

Your Rights and Choices

As applicable under the CCPA, from January 1, 2020, if you are a California resident, you may make requests to us as set out below. We will review all requests received and determine the extent to which and how to respond. We will not discriminate against any California resident who makes such requests.

Right to access/know

You may request from us a list of: (i) the categories and specific pieces of personal information we collect, use, disclose, and sell about you; (ii) the categories of sources from which we collected your personal information; (iii) our purposes for collecting or selling your personal information;

(iv) the categories of your personal information that we have either sold or disclosed for a business purpose; and (v) the categories of third parties with which we have shared personal information. In addition, for certain categories of personal information, you have the right to request a list of what personal information (if any) we disclosed to third parties for their own direct marketing purposes in the preceding calendar year and the names and addresses of those third parties.

Right to delete your personal information

You may request to delete your account and the personal information we have collected from you or maintain about you.

Right to opt-out from the sale of your personal information

You may request, at any time, to direct us to stop “selling” (for the purposes of the CCPA) your personal information. We do not sell the personal information of consumers we actually know are less than 16 years of age, unless we receive affirmative authorization (the "right to opt-in") from either the consumer who is at least 13 but not yet 16 years of age, or the parent or guardian of a consumer less than 13 years of age. Consumers who opt-in to personal information sales may opt- out of future sales at any time.

Right to Non-Discrimination

You have the right to not receive discriminatory treatment for the exercise of the privacy rights conferred by the CCPA. We may offer you certain financial incentives permitted by applicable law as compensation for allowing us to collect, sell, or maintain your personal information.

Right to correct inaccurate personal information maintain about you

You may request to correct inaccurate personal information maintained by us under certain circumstances. We may need to verify the validity and scope of the request.

Right to limit the use and disclosure of sensitive personal information collected about you

If we use or disclose sensitive Personal Information for purposes other than those allowed by the CCPA and its regulations, you have a right to limit our use or disclosure.

Making Requests

To exercise rights described above, please submit a verifiable consumer request to us by either:

• Emailing us at: support@creditkey.com

Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child. You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:

• Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
• Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.

Making a verifiable consumer request does not require you to create an account with us.

We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.

You may also submit such requests through an authorized agent. To designate an authorized agent, please send us a notarized power of attorney / notarized letter authorizing said agent. Requests from agents that do not submit such proof that they have been authorized by you to act on their behalf will be denied.

Other California Privacy Rights

California's "Shine the Light" law (Civil Code Section § 1798.83) permits users of our Website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to support@creditkey.com

Cookie Preferences and Opt-Out Choices

Credit Key uses cookies and similar technologies to operate our Website, authenticate users, understand Website usage, improve our Services, support live chat or survey tools, and measure or improve marketing and advertising. Some cookies are necessary for the Website and Services to function. Other cookies may support analytics, advertising, retargeting, or other non-essential Website features.

You may manage cookie preferences in the following ways:

• Browser controls. You can set your browser to block, delete, or alert you about cookies. If you block cookies, some features or areas of the Website may not function properly.
• Analytics opt-out. You may opt out of Google Analytics tracking by using Google's browser opt-out tool at https://tools.google.com/dlpage/gaoptout.
• Interest-based advertising opt-outs. You may opt out of certain third-party interest-based advertising through the Digital Advertising Alliance at https://optout.aboutads.info/ and the Network Advertising Initiative at https://optout.networkadvertising.org/.
• Platform advertising settings. You may manage ad preferences directly through providers such as Google, Facebook/Meta, Pinterest, or other advertising platforms that may make such controls available.
• Credit Key cookie preference requests. You may contact us at support@creditkey.com with the subject line "Cookie Preferences" to request that Credit Key stop using non-essential cookies or similar technologies for analytics, advertising, retargeting, or marketing measurement where we are able to identify and apply that preference. Please include the email address associated with your Credit Key account, if applicable.
• We do not use your cookie preference request to discriminate against you. We may still use cookies or similar technologies that are necessary to provide, secure, maintain, or improve the Website or Services, comply with law, prevent fraud, remember your privacy choices, or perform other uses permitted by applicable law.
• For more information, please see the "Tracking Technologies," "Behavioral Advertising/Re-Targeting," "California Do Not Track Disclosure," and "Your Options" sections of this Privacy Policy.

Contact Us

If you have any questions or suggestions regarding this Policy, please contact us as follows:

By Email: support@creditkey.com

By Mail:

Snap Credit, Inc. d/b/a Credit Key 145 S Fairfax Ave

Los Angeles, CA 90036