This Privacy Policy (“Policy”) describes how Embed Inc. (“Embed,” “we,” or “us”) may collect, use, disclose, and otherwise process personal information, on behalf of our business customers (“Partner/s”) in connection with our “Powered by Embed” suite of products and services that allows businesses the ability to integrate Embed services or features within their own websites (collectively, the “Services”).Effective January 1, 2020, the California Consumer Privacy Act (“CCPA”) provides specific rights and protections to California residents. If you are a California resident, please see the section entitled “Notice to California Residents” below for more information.
The categories of personal information we collect depend on how you interact with our Services, and the requirements of applicable law. For example, we may collect:
We use your personal information for a variety of business purposes, including:
We may share your information in the following circumstances:
We store the personal information we receive as described in this Privacy Policy For as long as you use our Services or as necessary to fulfill the purpose(s) for which it was collected, provide our Services, resolve disputes, establish legal defenses, conduct audits, pursue legitimate business purposes, enforce our agreements, and comply with applicable laws.
We take steps to ensure that your information is treated securely and in accordance with this Privacy Policy. We use significant safeguards, including physical, electronic, and operational controls to protect your personal information, both during transmission and once received. These may include secure servers, encryption, firewalls, antivirus systems, antispam technologies, access minimization, intrusion prevention systems, malware detection systems, data loss prevention systems, and vulnerability scans.
Unfortunately, no system is 100% secure, and we cannot ensure or warrant the security of any information you provide to us. To the fullest extent permitted by applicable law, we do not accept liability for unauthorized disclosure.
By using the Services or providing personal information to us, you agree that we may communicate with you electronically regarding security, privacy, and administrative issues relating to your use of the Services. If we learn of a security system’s breach, we may attempt to notify you electronically by posting a notice on the Services, by mail or by sending an email to you.
You are responsible for maintaining the confidentiality of your login id, password or any links sent to you related to your information. If you believe that they have been stolen or been made known to others, you must contact us immediately at support@braidlending.com.
We are not responsible if someone else accesses your account through information they have obtained from you or through a violation by you of this Privacy Policy or Embed Terms of Use.
If you are forwarding any links related to data or otherwise provided by Embed, you are doing so at your own risk. Embed cannot be held liable for any consequences of such sharing.
If you have a security related concern, please contact us at support@braidlending.com. We will work closely with you to ensure a rapid and personal response to your concerns.
The Services are directed to those 18 years of age or older , capable of forming a binding contract and are not barred from using the Services under applicable law. We do not knowingly collect personal information from anyone under 18 years of age. If you learn that your minor child has provided us with personal information without your consent, you may contact us as set forth below. If we learn that we have collected any personal information in violation of applicable law, we will promptly take steps to delete such information and terminate the child’s account.
If we make any changes, we will change the Last Updated date above. We encourage you to review this Policy to stay informed. If we make material changes, we will provide additional notice, such as via the email specified in your account or through the Services or Sites.
Like many companies online, we use services provided by Google and other companies that use tracking technology. These services rely on tracking technologies—such as cookies and web beacons—to collect directly from your device information about your browsing activities, your interactions with websites, and the device you are using to connect to the Internet. There are a number of ways to opt out of having your online activity and device data collected through these services, which we have summarized below:
The following advertising partners offer opt-out features that let you opt-out of use of your information for interest-based advertising:
Advertising industry opt-out tools. You can also use these opt-out options to limit use of your information for interest-based advertising by participating companies:
If you have applied for a loan, you can access the personal information you have provided to us by logging in and navigating to the “Settings” page of your account. You can update your password, email, phone number, or home address at any time. As a registered personal loan applicant or borrower, you may update your password, email, phone number, bank account information, or mailing address at any time, though certain changes prior to loan origination may require you to submit a new loan application. To change your information, you may also contact us at support@braidlending.com. We will respond to your request within a reasonable time.
Or by calling our customer service at (855) 300-8520.
For all customers, we will retain your information for as long as needed to provide you services, comply with our legal obligations, resolve disputes, conduct analysis and audits, or enforce our agreements as otherwise permitted and/or required by law.
Please contact us if you have any questions about this Policy or if you are seeking to exercise any of your statutory rights. We will respond within a reasonable timeframe. You may contact us at support@braidlending.com or at our mailing address below:
Attn: Legal Department
51 Madison Ave, Suite 31003, NY, NY 10010
Effective January 1, 2020, the California Consumer Privacy Act (“CCPA”) provides specific rights to California residents related to their “personal information,” as defined under the CCPA. Virtually all of the information that Embed collects about its users is exempt from the CCPA, as it is collected, processed, sold, or disclosed pursuant to the federal Gramm-Leach-Bliley Act (“GLBA”). The information that Embed collects about its users pursuant to GLBA is described in the “Information Embed Collects About You” section of this Privacy Policy.
Below is a description of the remaining “personal information” that is collected and disclosed to third parties, as well as your rights pertaining to this information.
This section only applies to California residents. The rights discussed in this section do not extend to individuals who are not California residents.
Information about your interactions with our website and the mobile application: For all users, Embed collects information about your interactions with our homepage, landing pages, other Embed websites that you may visit prior to beginning the registration and/or application process, and information about the device you use to access the website and the mobile application. This includes your click movements on the webpage and the mobile application, IP address, mobile device identifier (IDFA or AAID), geographical location, operating system, browser type, referral source, time and length of visit, button clicks, and/or page views. This information is collected by Embed and our third-party service providers, who work with us to track your interactions on these pages.
We collect this information in order to (i) help detect security incidents and protect against malicious, deceptive, or fraudulent activity on our websites; (ii) identify and fix errors that affect the functionality of our websites; (iii) conduct internal research and analysis; (iv) determine eligibility for products and services, and (v) improve our websites and services.
Information that you provide in surveys, questionnaires, and/or requests for feedback: For users that complete surveys, questionnaires, and/or requests for feedback regarding their experience, we collect the information that you provide to us. This information is collected by Embed and our third-party service providers, who may help facilitate these information requests.
We collect this information in order to (i) conduct internal research and analysis and (ii) improve our websites and services.
Information from third parties for marketing: For certain consumers, we may work with marketing service providers to obtain your personal information, such as your name, address, and/or email address.
We collect this information for marketing purposes in order to present you with offers, promotions, advertisements, and other marketing communications.
How Embed Discloses Personal Information
Embed may share your personal information with third-party service providers to help us conduct the business purposes listed above. Our service providers are authorized to use your personal information only as necessary to provide these services to Embed. Embed does not and will not sell your personal information.
Under the CCPA, California residents have the right to request that Embed disclose what personal information we have collected, used, disclosed, or sold over the past 12 months. Once we receive and confirm your verifiable consumer request for such information, (see “How You Can Exercise Your Rights Under CCPA”), we will disclose to you:
Under the CCPA, California residents have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request (see “How You Can Exercise Your Rights Under CCPA”), we will delete your personal information from our records, and direct our service providers to do the same, unless an exception applies.
Under the CCPA, California residents have the right to direct us to not sell their personal information (the “right to opt-out”). Embed does not and will not sell the personal information of consumers.
Under the CCPA, California residents have the right not to be discriminated against for having exercised the rights established by the CCPA. We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
We may, however, offer you certain financial incentives permitted by the CCPA that can result in different prices, rates, or quality levels. Such financial incentives may include gift cards, credits, and other monetary offerings; additional details related to the material terms of these financial incentives will be provided to you at the time the incentive is presented to you. Any CCPA-permitted financial incentive we offer will reasonably relate to your personal information’s value and contain written terms that describe the program’s material aspects. Participation in a financial incentive program requires your prior opt-in consent, which you may revoke at any time.
In order to exercise the right to know/right to access information and the right to request deletion, you or your authorized agent may submit a verifiable consumer request in one of the following ways:
If you are a personal loan customer and/or investor, you may exercise these rights by contacting us at support@braidlending.com with a brief description of your request. If you do not have an Embed account, you may contact us at support@braidlending.com with a brief description of your request. Please note that if you contact us with your request via email we may request additional information from you or your agent as needed to authenticate your request. You may only make a verifiable consumer request to know or request for access twice within a 12-month period.
The verifiable consumer request must do the following:
Upon receiving a request to know/request for access or a request for deletion, we will confirm receipt within 10 days. If we are able to verify your request, we will make our best effort to respond within forty-five (45) days of our receipt of your request. If we require more time (up to 45 additional days), we will inform you of the reason and extension period in writing. Additionally, in our response, we will specify the manner in which we have deleted your personal information, in accordance with the CCPA.
We will not disclose information to you or delete information if we cannot verify your identity.
Only you as a California resident, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable request to know/request for access, request for deletion, or request to opt-out.
To appoint an authorized representative to submit requests on your behalf, please provide us with written instructions stating the identity of the authorized representative and your authorization to have the representative act on your behalf as outlined below:
All other customers: please send the written instructions appointing your authorized representative to support@braidlending.com. We may also request additional information from you as needed to authenticate your request. If an authorized representative is acting on your behalf to make a request to know/request for access, request for deletion, or request to opt-out., your representative may also contact us at support@braidlending.com with a brief description of the request. Please note that we may request additional information from your representative as needed to authenticate your request.
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
Social Security Number and Income
Account balances and transaction history
Credit history, credit scores and employment information
When you are no longer our customer, we continue to share your information as described in this notice.
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Embed chooses to share; and whether you can limit this sharing.
For our everyday business purposes—such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
For our marketing purposes—to offer our products and services to you
For joint marketing with other financial companies
For our affiliates’ everyday business purposes— information about your transactions and experiences
For our affiliate’s everyday business purposes—Information about your creditworthiness
For our affiliates to market to you
For our Non-affiliates to market to you
51 Madison Ave, Suite 31003, NY, NY 10010
We collect your personal information, for example, when you, Open an account or apply for credit, Provide us information including your personal information, income, employment information and other relevant information necessary to the loan application process.
Federal law gives you the right to limit only sharing for affiliates’ everyday business purposes—information about your creditworthiness affiliates from using your information to market to you sharing for non-affiliates to market to you.
Your choices will apply to everyone on your account.
Email us at support@pylonlending.com or call us at 855-300-8520
Companies related by common ownership or control. They can be financial and non-financial companies. We currently do not have affiliates.
Companies not related by common ownership or control. They can be financial and non-financial companies. We currently share information with non-affiliated companies.
A formal agreement between non affiliated financial companies that together market financial products or services to you. We currently don’t engage in joint marketing but might do so in the future.
Embed and its authorized agents, service providers, originating banks and partners may monitor and/or record all telephone communications in accordance with applicable law.
We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.
We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by calling 855-300-8520 or emailing support@pylonlending.com. Nevada law also requires us to provide you with the following to obtain additional information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Street, Suite 3900, Las Vegas, NV 89101;702.486.3132; BCPINFO@ag.state.nv.us.