This Privacy Policy is provided by Green Flag Credit LLC (“GFC”) including, but not limited to GFC’s online services (i.e., FinanceHut.com). GFC and its services are referred to as “we”, “us”, or “our” in the policy.
We are committed to respecting your online privacy and have created this Privacy Policy to demonstrate our commitment to the protection of your personal information. This Privacy Policy applies to any personal information you provide to us, or that we collect through our websites or other electronic forms of communication. By accessing or using any part of our websites, applications, or financial data sharing services (collectively the “Services”), you agree to the collection and use of your personal information according to the terms set forth in this Privacy Policy.
Information You Provide Or Give Access To
When you utilize or test our services, we may collect information about you through your direct input or through other sources permitted by you (including your financial institutions and payroll providers), and/or applicable law, including but not limited to your:
Additional Information and Collection
To maximize the value of the Services, we may request you to provide additional information. Whenever we ask for additional or optional information, we identify those fields appropriately so you may know what information is required to provide the requested Service. If you choose to withhold any personal information requested by us, it may not be possible for you to gain access to certain parts of the Services you wish to use, or for us to respond to you appropriately.
Any information collected from our users is not sold nor is it shared or rented to others in any such way that is different from what is disclosed in this Privacy Policy.
Information We Collect Automatically
Log Information. We collect information about your computer or web browser in order to analyze trends and administer our websites. This information is collected in a generic aggregate format and is not linked to personally identifiable information.
Cookies. In order to better serve you and protect your account information, we use “Cookies,” nuggets of data that are stored on your hard drive as a file. Cookies data are usually stored on your computer’s hard drive as a file in a web browser folder called “Cookies,” and you can delete this file anytime you choose. The cookies used on our Services are valid only for the current session and become invalid shortly thereafter. Cookies created by our Services will only work with our Services.
Notwithstanding any provisions of this Privacy Policy to the contrary, we collect and may share or publicly disclose compiled, de-identified, aggregated data concerning financial transaction of our users. This information is collected in a generic, aggregate format and, to the extent it is shared or disclosed, will not contain any personally identifiable information.
HOW WE DISCLOSE AND USE INFORMATION
We will use your information in a manner consistent with this Privacy Policy. The following are examples of how we use the information we collect from you:
Promotions. When we send you promotional information, we give you the opportunity to opt-out of receiving further information. Simply use the unsubscribe feature provided within each email or contact us at (support@greenflagcredit.com). If you opt-out from receiving promotional materials, you may continue to receive important service announcements, which contain information about the Services to which you subscribe.
How We Share Your Information
In order to keep costs low and process your services as efficiently as possible, we utilize third party services that may have access to your personal information for a variety of reasons. We only provide this information with any third party after they have a signed confidentiality contract with us and the personal information is only provided for business purposes. The information you provide us will be shared only in limited circumstances, including, but not limited to:
How We Handle / Secure Your Information
Because we are trusted with your personal information, we have implemented administrative, technical, and physical security controls that are designed to safeguard your personal information. We maintain physical, electronic, and procedural safeguards that comply with applicable state and federal standards to guard your personal information held by us relative to the Services.
Please recognize that protecting your personal information is also your responsibility. We urge you to take every precaution to protect your information when you are on the internet, or when you communicate with us and with other parties through the internet. Change your passwords often, use a combination of letters and numbers, and make sure you use a secure browser. If you have reason to believe that your interaction with us or our partners is no longer secure, please let us know immediately by contacting us
as indicated in the Contact Us section below.
By using our Services, you agree that we may communicate with you electronically regarding security, privacy, and administrative issues relating to your use of our Services. If we learn of a security breach involving your Personal Information, we may attempt to notify you electronically by sending an email to you. To withdraw your consent to receive electronic notice of a data breach, or if you have any questions about the security of your personal information, please email us at privacy@greenflagcredit.com.
Our Legal Basis For Handling Your Information
Some jurisdictions require us to disclose the legal basis on which we rely to use or disclose your information. To the extent those laws apply, our legal basis are as follows:
Do Not Track Policy
Some browsers have a “do not track” feature that lets you tell websites that you do not want to have your online activities tracked. We currently do not respond to browser “do not track” signals.
Correcting/Updating Personal Information
We provide you with the opportunity to update, correct or erase your account, financial and credit card information on our website. You may review and update your contact information (name, address, and email address) by contacting our Support team via email (support@greenflagcredit.com), phone (313) 556-1392, or the chat function within the Services.
CONSUMER PRIVACY RIGHTS
The following states have implemented specific privacy-related rights for their residents. If you are a resident of one of these states, please click on your state below for more information:
GFC Headquarters:
220 West Congress
2nd Floor #103
Detroit, MI 48226
(313) 556-1392
Children
You must be at least 18 years old to use our Services. We do not knowingly direct our Services to children or collect, use, or disclose information about legal minors who visit. If you use our Services, you represent that you are at least the age of majority under the laws of the jurisdiction of your place of residence. If you believe your child has provided us with personal information, please alert us at privacy@greenflagcredit.com. If we learn that we have collected personal information from a minor, we will promptly take steps to delete such information.
Retention Period
We will retain Personal Data for as long as necessary for the business or commercial reason it was obtained, or any ongoing retention requirements found in the law. The manner in which we review our retention requirements for our customers is (i) the length of time and type of service with our client and provide the Services; (ii) whether there is a legal obligation to which we are subject; and (iii) whether retention is advisable in light of our legal position (such as in regard to applicable statutes of limitations, litigation or regulatory investigations).
Updates To This Privacy Policy
We may revise this Privacy Policy or our practices with respect to how we use personally identifiable information at any time at our sole discretion. If we make any material changes to how we treat our customers’ personal information, we will notify you by email to the primary email address specified in your account, and through a notice on our website’s home page. You are responsible for ensuring we have an up-to-date active email address to contact you. You are advised to review this Privacy Policy periodically for any changes. Your continued use of our websites after such modifications will constitute your acknowledgment of the modified Privacy Policy and your agreement to abide and be bound by the modified Policy. Changes to this Privacy Policy are effective when they are posted on this page.
Contact Details
Questions regarding this Privacy Policy, our information practices or other aspects of privacy in connection with the use of our Services should be directed to our Data Privacy Officer, who can be reached by email at privacy@Greenflagcredit.com.
GFC Headquarters:
220 West Congress
2nd Floor #103
Detroit, MI 48226
(313) 556-1392
This California Consumer Privacy Act Policy (“Policy”) is provided by Green Flag Credit LLC(“GFC”) including, but not limited to GFC’s online services (i.e. Creditdesk.us). GFC and its services are referred to as “we”, “us”, or “our” in the policy.
YOUR DATA
When you utilize or test our services, we may collect information about you through your direct input or through other sources permitted by you (including your financial institutions and payroll providers), and/or applicable law, including but not limited to your:
Categories of Personal Data We Collect
We may collect certain personal information to facilitate the ability to best utilize our services. These categories may be:
How We Obtain Personal Data
We may obtain your personal information through a variety of sources. The potential sources are:
Business or Commercial Purpose for Collecting Data
We may require personal information from California customers in order to best facilitate the product or products. This information may or may not be shared with third parties to best facilitate the use of the product. The business or commercial purpose for using personal information with third parties are as follows:
Third Party Companies That Receive Personal Data
We utilize third parties to facilitate the product. The third parties that may receive your information fall into one of the categories below:
Data We Sell
We do not sell personal information to any third party.
CONSUMER VERIFICATION
In order to comply with the CCPA, we are required to verify the identity of any consumer requesting information. To request information that may have been collected in the previous 12 months, please visit our Data Privacy Consumer Rights Portal to initiate the verification process to move forward with the exercise of your rights.
YOUR RIGHTS
Right to Know
You have the right to request a disclosure of the personal information we have collected about you over the past 12 months, including:
Right to Access
You have a right to request access to a copy of your personal information that we have in our custody and control in a readily usable format
Right to Delete
The CCPA provides consumers the ability to delete personal information, with noted exceptions, so long as the consumer is verified. To potentially delete your personal information, please visit our Data
Privacy Consumer Rights Portal to initiate the authentication process to move forward with the exercise of your rights. If we are unable to delete your data through the exceptions found in the law, you will receive a detailed response on why deletion is not an option.
Please be aware that exercising your right to delete may affect any of your subscribed services.
Non-Discrimination
California residents have a right to access their personal information, and if requested, deleted. The consumer shall not be discriminated against from the business for exercising their rights codified in the CCPA.
EXERCISING YOUR CALIFORNIA PRIVACY RIGHTS
To exercise any of your rights listed above, please login to the portal. Or, for more information regarding your rights, contact privacy@Greenflagcredit.com.
You may also contact the company by mail, please provide your full name, address, and phone number, along with a detailed request so that we can process your request in an efficient manner. Please note, that if we are unable to validate your identity through this method, the company is not obligated to comply with a request.
Green Flag Credit LLC
Data Privacy Department
220 West Congress
2nd Floor #103
Detroit, MI 48226
(313) 556-1392
RESPONDING TO REQUESTS
Pursuant to California Code 999.313 (a) We will confirm receipt of request within 10 days and potential process that may follow. We aim to respond to a consumer request for disclosure, access or deletion within 45 days of receiving that request. If we require more time, we will inform you of the reason and extension period in writing.
AUTHORIZED AGENT
The CCPA allows consumers to designate an authorized agent to exercise the rights of a consumer. To exercise this right, a consumer must provide Us, by mail, the following information. The consumer’s name, signature, agents name, signature, expiration date of authorization, as well as other verifiable data that may be requested in order to best protect the customer.
CHANGES AND STATUS
We may revise this California Resident Privacy Notice or our practices with respect to how we use personally identifiable information at any time at our sole discretion. If we make any material changes to how we treat our customers’ personal information, we will notify you by email to the primary email address specified in your account, and through a notice on our website’s home page. You are responsible for ensuring we have an up-to-date active email address to contact you. You are advised to review this California Resident Privacy Notice periodically for any changes. Your continued use of our websites after such modifications will constitute your acknowledgment of the modified California Resident Privacy Notice and your agreement to abide and be bound by the modified Notice. Changes to this California Resident Privacy Notice are effective when they are posted on this page.
We keep this California Resident Privacy Notice under regular review and will place any updates on our website.
FAIR CREDIT REPORTING ACT
Your rights under the CCPA do not apply to any personal information that has been provided to Us in our capacity as a “consumer reporting agency” for a permissible purpose related to consumer lending or credit decisioning under the Fair Credit Reporting Act (“FCRA”) and will not be included under a CCPA request. Instead, you have the right to access any consumer report information collected pursuant to the FCRA at the GFC Reports portal.