Privacy Policy

Last Updated: January 30, 2020

We are the Nova Credit Group (“Nova Credit,” “us”, “we” or “our”), which is a group of companies comprising Nova Credit Inc. (“Nova Credit USA”) and its affiliated entities. This Privacy Policy covers activities of Nova Credit USA, Nova Roo Pty. Ltd. (Australia) and Instalogic Technologies Private Ltd. (India). It describes our privacy practices with respect to our Services (as defined in our Terms of Service) offered through www.neednova.com, www.novacredit.com, offers.novacredit.com, and our related websites (such as sub-domains).

Please carefully read our policy to understand how we will treat the information that you provide and other information that is collected about you while using our Services. If you have any questions about our policy or practices, please contact us at privacy@novacredit.com.

WHAT INFORMATION WE COLLECT AND HOW WE COLLECT IT

We collect your personal information to provide some aspects of our Services and to give you the best possible experience when you use our websites and Services. We, or third parties acting on our behalf, also collect other information about you and the devices you use to access our website using technologies such as cookies. See also our Cookie Policy for additional details. We may collect the following types of information:

Identifying and contact information you provide when requesting your credit information through our Services.

For example, to facilitate access to your foreign credit data, you must provide information like name, address, government-issued identification number, date of birth, telephone numbers, and email address. You may also need to provide additional information to verify your identity, such as your mother’s maiden name or city of birth.

Information you authorize us to obtain from third parties, such as foreign credit bureaus.

Our Services help you facilitate access to and delivery of credit data about you held by foreign credit bureaus and other data providers. As such, you may provide or authorize these data sources to provide us with information about you relating to your creditworthiness including, but not limited to, credit accounts and inquiries, utility payment records, public records and other credit report information. These providers may also provide or confirm additional information about you to help us verify your identity. In some countries where these third parties are located, there may be a restriction on transferring data internationally and, if that is the case, you consent to them transferring data to us in the U.S. (where the data privacy laws may not be as protective as the laws of the country in which the information originates).

Information you provide directly to us in connection with customer service communications, inquiries, disputes and general feedback.

For example, before we can respond to any questions you may have about our Services, your credit data or any accuracy-related inquiries, we may need to verify your identity and contact information.

Information you provide directly to us for marketing purposes.

This information includes your contact information and marketing preferences and is provided directly by you, typically through our website.

Information we automatically collect when you use our Services and this website.

In addition to the information you share with us, we also automatically collect certain information about how you access and interact with our Services. This information includes (1) device information, such as the operating system, hardware model, application or browser type, and other unique identifiers associated with your device; (2) log information, such as your IP address, browser or device configuration, date and time of access and cookie information; (3) location information, such as your city and state that can be estimated through your IP address and other device and log information. For more details about the automatically collected information, please read our Cookie Policy.

HOW WE USE INFORMATION WE COLLECT

We use information we collect in a number of ways to provide you with and improve our Services and customer support, and to facilitate the operation and legal compliance of our business. This Section explains the purposes for which we may use this information.

To Verify Your Identity and Authenticate the Information That You Provide

We use your personal information to verify your identity so that we know we are providing your credit history to the correct person. Identity verification may also involve checking information that you give us against information in your credit file and publicly available databases.

To Provide and Improve Access to Our Services

We use your personal information to provide you with Services that you request through our website (including the mobile version) or request through our business partners and affiliates. This may include providing the following services and products to you, and to lenders and other users designated by you:

  • Your credit report and/or credit score

  • Product comparison and eligibility services

  • Third-party offers for financial and other products and services.

To Let You Know About Significant Changes to Our Services, Terms of Service and this Policy

We may let you know by email, push notification or when you log in to our website if there are changes to our Services or their features that materially change how we process your personal information.

To Provide and Improve Customer Support

We use your personal information and other information you provide to be able to provide and improve customer support to you, such as when you request a copy of your report, have a question about our products or file an accuracy-related dispute.

To Seek Feedback About Our Products and For Market Research

We may ask you for feedback or invite you to participate in market research activities, including surveys and interviews, about your experience using our products or to learn about future products or services that may be of interest. We may use the feedback you give us and/or share it with our business partners to improve our products and Services.

For Marketing and Tailoring Content

Some of our Services, such as newsletters or registered accounts with us, may let you enroll with us to view or receive educational materials, offers, product updates, or promotions from us or third parties. In connection with those Services, we may use your information, including credit information that you add to your account profile, for marketing purposes and to personalize the content or experience we provide. For example, if we think one of our Services or offers, or those of our third-party partners, may interest you, we may contact you about them by post, email, SMS or through our website and Services. We will not share or sell your personal data to third parties for their own marketing purposes.

You can opt out of, or unsubscribe from marketing communications at any time by following the instructions in the email, using the unsubscribe link in such communications, or by contacting us at privacy@novacredit.com. Unsubscribing will not limit emails related to transactions, support requests or other inquiries you have with us.

For Analytical Purposes

We may use automatically collected, de-identified, anonymized or aggregated information about you for analytical purposes to enable us to improve and promote our Services, including the educational content, consumer insights and support to you and our business customers we provide as part of our Services.

For Understanding User Activity, Including Fraud-Prevention

We will use your personal information and information that is automatically captured about your visit, such as through cookies and other tracking technologies, in a variety of ways, including to monitor your activity on our websites and Services; to help us better understand your interests, needs and preferences; to troubleshoot your user experience; and to better understand how you interact with us and therefore improve our services and engagement with you. We may also use this information to analyze web traffic trends, to help protect the security and integrity of our website, and to help us detect if someone else is trying to use Services you request from us or access your account.

To Maintain Our Records and For Regulatory and Compliance Purposes

Like any business, we need to ensure that we comply with the applicable laws and maintain comprehensive and up to date records of the ways we process your personal information and other operational activities. Therefore, we will process the information you provide for record-keeping, updates and legal compliance purposes.

WHO WE SHARE YOUR INFORMATION WITH

We do not share or sell your nonpublic personal information with or to affiliated or unaffiliated third parties for their own advertising or marketing purposes without your consent. We also do not share your credit reports with our affiliates for their day-to-day business purposes without your consent. We may share or sell information about you as permitted by law to affiliated and non-affiliated third parties as follows:

Group Companies:

We may disclose the information that we collect about you to the members of our group companies and affiliates to provide the products you request, to enhance our products to better suit your needs and, to the extent you have chosen to receive such marketing communications, for marketing purposes. We reserve the right to transfer any and all information that we collect through our Services to an affiliate or third party in the event of an actual or proposed corporate reorganization, merger, sale, joint venture, assignment, transfer, or other disposition (either whole or partial) of our business, assets, or stock (including, without limitation, a bankruptcy or financial restructuring). We will take all reasonable steps to ensure that any personal information transferred under these circumstances will be handled in a manner consistent with the Privacy Policy under which it was originally collected. You will be notified by email if, as a result of such corporate restructuring acquisition or assignment, our new privacy policies or the policies of the acquirer are materially different and will be given an opportunity to withdraw your consent to the continued use of your information.

Data Providers:

We may partner with other companies to offer you products or services or to complete your requests regarding our Services. For example, we partner with foreign credit bureaus and others to access, process and deliver your foreign credit data to end users you have chosen. We may disclose your personal information to such third-party business partners as authorized by you or required to provide Services you request.

Lenders and Other Users:

We may partner with lenders, banks, insurers, telecommunication companies, rental management companies and other users of credit information to process and deliver your credit data as you specifically authorize. In addition, we may share de-identified or aggregated information without your consent with our partners and business customers for analytics, modeling and risk management purposes.

Agents and Service Providers:

We may work with third party service providers who act on our behalf and assist us with functions such as hosting our data, troubleshooting, performing analytics, marketing on our behalf, helping us with customer communication, customer feedback, market research, among others. We may disclose your personal information to them for the purpose of enabling such service providers to provide services to us. These third parties are only allowed to use shared information for the intended purpose in accordance with this Privacy Policy.

Fraud Prevention and Identity Verification Agencies:

We may share personal information collected from you with fraud prevention agencies and identify verification agencies (including fraud prevention agencies from other countries) who will use it to verify your identity and to prevent fraud or money laundering. If fraud is detected, you could be refused certain services. You can obtain more information about how your information will be used by us and fraud prevention agencies by contacting us by email at privacy@novacredit.com.

As Required by Law or Legal Process:

Notwithstanding any other provision of this Policy to the contrary, we may disclose your personal information as we believe appropriate to (a) comply with legal process (including possible subpoenas by the United States government); (b) respond to government requests; or (c) as required by applicable laws, including the Fair Credit Reporting Act.

To Enforce This Policy and Protect Certain Rights:

Notwithstanding any other provision of this Policy to the contrary, we may disclose your information as we believe appropriate to: (a) enforce this Policy; (b) protect the rights, privacy, safety or property of the Nova Credit Group, you, or others; or (c) to permit us to pursue available remedies or limit the damages that we may sustain.

With Your Consent:

There may also be other circumstances when we disclose your personal information with your express consent.

HOW LONG WE KEEP YOUR INFORMATION FOR

We are based in the United States and will process and use your information from here to provide our service to you and/or the lenders and other end users you authorize us to provide your information to. Personal Information is maintained on our servers or those of our service providers. We will keep your personal information for as long as necessary to respond to any inquiries from you, to resolve any disputes, enforce our legal rights, and as required by law for recordkeeping, anti-fraud and other purposes, including to comply with the US Fair Credit Reporting Act. These purposes can vary from one piece of information to the next and, hence, the amount of time we keep your information may vary too.

HOW WE KEEP YOUR INFORMATION SECURE

We use a variety of technologies and processes to help protect the integrity of our Services, including physical, technological, and organizational security measures. Nova Credit operates under a comprehensive Information Security Policy based on internationally recognized standards of security (ISO 27001 standard) and holds an ISO 27001 certification and SOC 2 Type II attestation. We have a dedicated information security team who are responsible for administering access to systems. We are independently audited on an annual basis and perform regular risk assessments against our critical and external facing applications.

No information transmission or storage system is 100% secure and protecting your personal information is also your responsibility. Please safeguard any authentication and identification information you use to access our Services. You should not disclose your authentication information to any third-party and should immediately notify us of any unauthorized use of your password. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any account with us has been compromised), please immediately notify us of the problem by contacting us at help@novacredit.com.

YOUR CHOICES AND CONTROL OVER YOUR INFORMATION

Accessing, Updating, Correcting or Deleting Your Personal Information: If you create an account with us, you may view, update, correct and delete certain personal information by logging into your account and editing your profile.

Accessing, Updating, Correcting or Deleting Information in Your Credit File: You may be provided the opportunity to receive a copy of your credit report (e.g., when you use our Services in relation to your application with lenders and other end users of credit reports or by registering an account with us). If you believe that the information in the credit file you receive through our Services is incorrect, incomplete, outdated, or indicates fraudulent activity, you may initiate an inquiry or dispute. For more information on how to request a copy of your report or initiate a dispute visit our Disputes page.

Your Choice and Control Over Marketing Communications: You have the choice to opt-out of any marketing communications, including emails and newsletters, at any time by using the unsubscribe link or instructions in such communication, or by contacting us at privacy@novacredit.com.

Your Choice and Control Over Google Analytics Features and Disabling Cookies: We use Google Analytics Features and cookies in connection with our marketing and analytics. At present, Google provides users an opportunity to opt-out of the Google Analytics Features through Google’s Ads Settings and web browser opt-out plugin. However, we do not control these opt-outs, which may be updated or removed by Google in accordance with its own policies. For more information about the cookies used on our website and how to opt-out, please visit our Cookie Policy.

LINKS TO OTHER WEBSITES

Our Services may contain links to websites or services owned and operated by third parties. Information you share with a third-party or third-party site is not subject to this Privacy Policy. Please review the privacy policy of any third-party sites or services you access through our Services.

CHILDREN’S PRIVACY

Our Services are not directed to minors (individuals under the age of majority) and we request that such individuals not provide personal information to us. We do not knowingly collect information from minors. If you are under the age of majority, you may browse content available on our site but should not provide any personal information to us such as name, address, or email address.

USERS OUTSIDE THE UNITED STATES

Our Services and this website are intended for consumers and other users within the U.S. If you use our Services from outside of the U.S., please be aware that the information you provide to us or that we obtain as a result of your use may be transferred to and processed in the U.S., under data privacy laws that may not be as protective as the laws of the country you are accessing our Services from. By using our Services or this website, or by providing your personal and non-personal information, you consent to the collection, transfer, storage, and processing of your information in the U.S.

CHANGES TO PRIVACY POLICY

Nova Credit reserves the right to change this Privacy Policy at any time. If we change this policy, we will revise the “Last Updated” date above. Any changes to our Privacy Policy will become effective upon our posting of the revised Privacy Policy on this page unless otherwise noted. Use of our Services following such changes constitutes your acceptance of the revised Privacy Policy that is in effect. If a change to this Privacy Policy materially modifies your rights or obligations, we may require that you accept the modified Privacy Policy in order to continue to use our Services.

CONTACT

Nova Credit has assigned responsibility for this policy to our Privacy Officer, who you may contact with any questions regarding this privacy policy by email at privacy@novacredit.com or by mail at

Nova Credit Inc. Attn: Privacy Officer 460 Brannan St #77188 San Francisco, CA 94107.

Please note that email communications will not necessarily be secure. As such, you should not include sensitive personal information in your email correspondence with us.