Updated March 2023

Buyable Privacy Policy

Version 1.0, Revision 0

This Privacy Policy applies to the website operated by Buyable (“we,” “us,” or “our”). We are committed to protecting your privacy and providing transparency about how we collect, use, and share your personal information. By accessing or using our website, you agree to the terms of this Privacy Policy.

Our Privacy Policy explains: (1) what information we collect; (2) why we collect it; (3) how we use that information; (4) how we may share it; and (5) the choices we offer, including how to access and delete information. Specifically, our Privacy Policy covers the following topics:

When This Privacy Policy Applies

  1. Website User Terms
  2. Information We Collect
  3. Cookies and Similar Technologies
  4. How We Use Information We Collect
  5. Your Failure to Provide Personal Information
  6. Our Retention of Your Personal Information
  7. Sharing Personal Information
  8. Transfer of Data
  9. Your Rights and Choices
  10. Third Party Links
  11. How We Protect Personal Information
  12. Children’s Privacy
  13. Direct Marketing and “Do Not Track” Signals
  14. Customer Information
  15. Changes to this Privacy Policy
  16. How to Contact Us

When this policy applies

Our Privacy Policy applies to all of the Services offered by Buyable and its affiliates, including some Buyable partners, and Services offered on other sites, but excludes services that have separate privacy policies that do not incorporate this Privacy Policy. Our Privacy Policy does not apply to services offered by other companies or individuals, including products or sites that may be displayed to you, or other sites linked from our Services. Our Privacy Policy does not cover the information practices of other companies and organizations who advertise our Services, and who may use cookies, pixel tags and other technologies to serve and offer relevant ads.

Website User Terms:

By accessing or using the Sites in any manner, you also agree to be bound by Buyable's Website's User Terms (the “Agreement”). Please read the Agreement carefully. If you do not accept all of the terms and conditions contained in or incorporated by reference into the Agreement, please do not use the Sites.

Information we collect

We collect information, including Personal Information, to provide better services to all our Users. We use the term “Personal Information” to refer to any information that identifies or can be used to identify you. Common examples of Personal Information include: full name, contact information, date of birth, information about your device, and certain metadata.

“Sensitive Personal Information” refers to a smaller subset of Personal Information which is considered more sensitive to the individual, such as race and ethnic origin, political opinions, religious or philosophical beliefs, trade-union membership, genetic or biometric information, physical or mental health information, medical insurance data, or sexual orientation.

The Personal Information which we collect includes, but is not limited to, the following circumstances and data elements:

  • When you authorize us to store information about you in connection with our Services we collect your name and contact information and information about your stored payment methods (e.g. bank account number, routing number, payment card number, CVC code and expiration date);
  • If you are a User, you will provide your contact details, such as name, postal address, telephone number, and email address. As part of your business relationship with us, we may also collect financial and Personal Information about you, such as your date of birth and government identifiers associated with you and your organization (such as your social security number, tax number, or Employer Identification Number). You may also choose to provide bank account information;
  • You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to Buyable or its service provider for the duration of your business relationship, solely to help them identify you or your wireless device and to prevent fraud.
  • Additionally, you authorize Buyable and its service providers to obtain your name, address, email and Social Security Number from Equifax in order to validate your identity and/or populate the onboarding form.
  • Permission to make soft Inquiries; no impact to credit score. You authorize Buyable to obtain and use consumer report information about you from one or more consumer reporting agencies (such as TransUnion, Equifax or Experian). As part of your business relationship with us, these soft inquiries will not impact your credit score and your consumer report information will be used solely in connection with identifying and providing Buyable or its service provider your credit line details, such as account numbers, account type, account balances and due dates.
  • You authorize Buyable to obtain enhanced data on your credit lines on your behalf such as interest rate, asset tagged to a credit line, asset details, asset value, payoff amount, payoff date, and payoff quotes.
  • If you are transacting with a User, depending on how they integrated our Services, we may receive this information directly from you, from the User or third parties. The information that we collect will include payment method information (such as credit or debit card number, or bank account information);
  • In connection with fraud monitoring, prevention, detection, and compliance activities for Buyable and its Users, we receive identity related from the following sources:
    1. From customers (including through their devices (e.g. IP Addresses)) related to customers,
    2. From Users about themselves and their customers, including as collected through our Services and
    3. From our business partners, financial service providers, identity verification services, and publicly available sources;
  • If you express an interest in obtaining additional information about our services, request customer support, use our “Contact Us” or similar features, register to use our Sites or Services, or download certain content, we may require that you provide to us your contact information, such as your name, phone number, or email address;
  • If you use and interact with our websites or emails, we automatically collect information about your device and your usage of our websites or emails through cookies, web beacons or similar technologies, such as Internet Protocol (IP) addresses or other identifiers, which may qualify as Personal Information;
  • If you use and interact with our services, we automatically collect information about your device and your usage of our services, through log files and other technologies, some of which may qualify as Personal Information;
  • If you voluntarily submit certain information to our services, such as filling out a survey about your user experience, we collect the information you have provided as part of that request; and
  • If you provide us or our service providers with any Personal Information relating to other individuals, you represent that you have the authority to do so and acknowledge that it will be used in accordance with this Privacy Policy. If you believe that your Personal Information has been provided to us improperly, or to otherwise exercise your rights relating to your Personal Information, please contact us by using the information set out in the “How to Contact Us” section below.
Refer to section How We Use Information We Collect for how we treat your data.

Cookies and Similar Technologies:

We and our partners use various technologies to collect and store information when you visit one of our services, and this may include using cookies or similar technologies to identify your browser or device. We also use these technologies to collect and store information when you interact with services from our partners, such as advertising services. Our third party advertising and analytics partners include Google, Mixpanel and similar partners.

The technologies we use for this automatic data collection may include:

  • Cookies: A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our services. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our services.
  • Web Beacons: Pages of our services or our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags and single-pixel gifs) that permit us, for example, to count Users who have visited those pages or opened an e-mail and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).
  • Clickstream Data: Clickstream data is information collected by our computers when you request Web pages from the Sites. Clickstream data may include information such as the page served, the time spent viewing the page, source of the request, type of browser making the request, the preceding page viewed and similar information. Clickstream data permits us to analyze how visitors arrive at the Sites, what type of content is popular, what type of visitors in the aggregate are interested in particular kinds of content on the Sites.

How We Use Information We Collect

We may use the personal information we collect for the following purposes:

  • To provide and improve our website
  • To personalize your experience on our website
  • To communicate with you about our products and services
  • To comply with legal obligations
We may also use the information we collect for other purposes that are compatible with the purposes for which we originally collected the information.

Failure to Provide Personal Information:

If you choose not to provide us with certain personal information, we may not be able to provide you with certain features of our website or fulfill your requests.

Our Retention of Your Personal Information:

We will retain your personal information for as long as necessary to fulfill the purposes for which we collected it, including to comply with legal obligations and to resolve disputes.

Sharing Personal Information:

Buyable may disclose your Personal Information to commercial providers for a business purpose. When we disclose Personal Information for these reasons, we enter into a contract that describes the purpose and requires the recipient to both keep that Personal Information confidential and not use it for any purpose except for the purposes set forth in the contract. We share Personal Information with certain of our service providers subject to contract terms that limit their use of Personal Data. We have service providers that provide services on our behalf, such as identity verification services, website hosting, data analysis, marketing service, information technology and related infrastructure, customer service, email delivery, and auditing services. These service providers may need to access Personal Information to perform their services. We authorize such service providers to use or disclose the Personal Information only to perform services on our behalf or comply with legal requirements. We require such service providers to contractually commit to protect the security and confidentiality of Personal Information they process on our behalf.

We share Personal Information with third party business partners in connection with our Services to our Users. Examples of third parties to whom we may disclose Personal Information for this purpose are banks and payment method providers (such as credit card networks) when we provide payment processing services, and the professional services firms that we partner with to deliver the Services.

We share Personal Information with Users to maintain a User account and provide the Services and third party services. We share data with parties directly authorized by a User to receive Personal Information. This includes sharing Personal Information of customers with Users to assess the fraud risk associated with attempted transactions by customers, or when a User authorizes a third party application provider to access the User’s Buyable account using the Services. The use of Personal Information by an authorized third party is subject to the third party’s privacy policy.

We may disclose your Personal Information for legal reasons. Specifically, we will share Personal Information with companies, organizations or individuals outside of Buyable if we have a good-faith belief that access, use, preservation or disclosure of the information is reasonably necessary to:

  • Meet any applicable law, regulation, legal process or enforceable governmental request.
  • Enforce applicable Terms of Service, including investigation of potential violations.
  • Detect, prevent, or otherwise address fraud, security or technical issues.
  • Protect against harm to the rights, property or safety of Buyable, its Users or the public as required or permitted by law.

Transfer of Data:

We are committed to complying with applicable laws, regulations and mandatory government standards regarding the protection of Personal Information.

We may, directly or indirectly through third-party entities around the world, process, store and transfer the information Users provide, including Personal Information, as described in this Privacy Policy. Specifically, the information and Personal Information that we collect may be transferred to and maintained on computers and/or servers located outside of a User’s state, province, country or other governmental jurisdiction where the data protection laws may differ than those from their jurisdiction. Countries where we process data may have laws which are different, and potentially not as protective, as the laws of your own country.

If we transfer your Personal Information out of your jurisdiction, we will implement suitable safeguards and rely on legally-provided mechanisms to lawfully transfer data across borders to ensure that your Personal Information is protected.

Your Rights and Choices:

You may have certain rights and choices regarding your personal information, such as:

  • The right to access and receive a copy of your personal information
  • The right to request that we delete your personal information
  • The right to object to the processing of your personal information
  • The right to request that we restrict the processing of your personal information
  • The right to withdraw your consent to the processing of your personal information
  • To exercise your rights and choices regarding your personal information, please contact us at privacyitsbuyable.com.

How We Protect Personal Information:

Buyable maintains administrative, technical and physical safeguards designed to protect the user's Personal Information and other information against accidental, unlawful or unauthorized destruction, loss, alteration, access, disclosure or use. For example, we use commercially reasonable security measures such as encryption, firewalls, and Secure Socket Layer software (SSL) or hypertext transfer protocol secure (HTTPS) to protect Personal Information.

Buyable collects account information for payment, credit, pulling a transaction history and Buyable will use the information only to complete the task for which the account information was offered.

For your own privacy protection, we urge you to keep all passwords confidential. We also recommend that you do not include sensitive information such as passwords, social security numbers or payment information, in any emails that you send to us. If you become aware of any breach of the terms of this Privacy Policy or of the security of the Services, please notify us by email at privacy@buyable.com.

Children's Policy

Our website is not intended for children under the age of 13, and we do not knowingly collect personal information from children under the age of 13. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us at privacyitsbuyable.com, and we will take steps to delete such information from our servers.

Direct Marketing and “Do Not Track” Signals:

We may use your personal information to send you direct marketing communications about our products and services, unless you opt-out of such communications. You may opt-out of receiving direct marketing communications by following the instructions provided in the communication.

Our website currently does not respond to “Do Not Track” signals. However, you may disable certain tracking technologies by adjusting the settings on your device or browser.

Customer Information:

We may collect information about your use of our services, including information about your payment method, billing information, and shipping information. We may also collect information about your interactions with our customer service team.

Changes to this Privacy Policy:

We may update this Privacy Policy from time to time to reflect changes in our information practices. We encourage you to review this Privacy Policy periodically to stay informed about our data practices.

Contact Us:
If you have any questions or concerns about this Privacy Policy, please contact us at privacyitsbuyable.com
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