For better service, calls between us may be recorded or monitored by us and our partners. By agreeing, you allow Financial Warranty to call, text, or email you using the details linked to your account, which may include automated systems. You can withdraw this consent anytime in any reasonable way.
1. Introduction and Scope
If you are an individual who utilizes our Services to obtain a financial product or service through us, we will use and share any information that we collect from or about you in accordance with our U.S. Consumer GLBA Privacy Notice. Information subject to our Privacy Notice is referred to as Non-Public Personal Information (“NPPI”).
2. Personal Information We Collect
Financial Warranty collects personal information from you, which may include information you provide voluntarily to us, information we collect automatically, and information that may be provided from third-party sources. The personal information we may collect includes:
3. Sources of Personal Information
We obtain the categories of personal information listed above from the following categories of sources:
4. Information We Collect Automatically
When you visit or browse our website, we and our advertising, marketing, or service partners may collect information such as your IP address, the URL of the web pages you visit, and may use tracking technologies to collect statistical and other information about your use of our website and other websites (collectively, “Tracking Technologies”).
These Tracking Technologies including the following:
|Strictly Necessary||Cookies that are necessary for our websites to function and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in or filling in forms.|
|Functional||Enable the website to provide enhanced functionality and personalization based on your interaction with the website. For example, they may allow websites to remember the user’s site preferences and choices they make on the site including username, region, and language.|
|Analytics and Performance||These cookies are used specifically for gathering data on how visitors use a website, which pages of a website are visited most often, or if they get error messages on web pages. Some examples of performance cookies are cookies that count page visits, idle time by a user on a page, bounce rates, and load speeds.|
|Advertising and Targeting||Specifically designed to gather information from you on your device to display advertisements to you based on relevant topics that interest you.|
5. How We Use Personal Information
We use personal information for a variety of business and commercial purposes, including:
6. How We Disclose Your Personal Information
We disclose your personal information to third parties for a variety of purposes, including to provide our Services or operate our business, to protect us or others, or in the event of a major business transaction such as a merger, sale, or asset transfer, as described below.
Disclosures to Provide our Services
The categories of third parties with whom we may share your personal information are described below.
Disclosures to Protect Us or Others
We may access, preserve, and disclose any information we store associated with you to external parties if we, in good faith, believe doing so is required or appropriate to: comply with law enforcement or national security requests and legal process, such as a court order or subpoena; protect your, our, or others’ rights, property, or safety; enforce our policies or contracts; collect amounts owed to us; or assist with an investigation or prosecution of suspected or actual illegal activity.
Disclosure in the Event of Merger, Sale, or Other Asset Transfers
If we are involved in a merger, acquisition, financing due diligence, reorganization, bankruptcy, receivership, purchase or sale of assets, or transition of service to another provider, your information may be sold or transferred as part of such a transaction, as permitted by law and/or contract.
7. Your Privacy Rights and Choices
Your Privacy Choices. The privacy choices you may have about your personal information are determined by applicable law and are described below.
If you wish, you can also choose how web browser cookies are handled by your device via your browser settings. However, if you adjust your preferences, our Services may not work properly. Please note that cookie-based opt-outs are not effective on mobile applications. However, you may opt-out of personalized advertisements on some mobile applications by following the instructions for Android, iOS, and others.
The online advertising industry also provides websites from which you may opt out of receiving targeted ads from data partners and other advertising partners that participate in self-regulatory programs. You can access these and learn more about targeted advertising and consumer choice and privacy by visiting the site for the Network Advertising Initiative, and the Digital Advertising Alliance.
8. Additional Disclosures for California Residents
As a California resident, you may have certain rights under the California Consumer Protection Privacy Act (CCPA) (as amended by the California Privacy Rights Act (CPRA)) with respect to the personal information we collect about you. The specific personal information that we collect, use, and disclose relating to a California resident covered by the CCPA will vary based on our relationship or interaction with that individual. For example, this section does not apply with respect to information that we collect about California residents who apply for or obtain our financial products and services for personal, family, or household purposes. For more information about how we collect, disclose, and secure information relating to these customers, please refer to our US Consumer GLBA Privacy Notice.
Categories of Personal Information We Disclose
Categories of Recipients
|Identifiers||Affiliates, Service Providers, Business Partners, Advertising and Analytics Partners, and Social Media Platforms|
|Device Information||Affiliates, Service Providers, Business Partners, Advertising and Analytics Partners, and Social Media Platforms|
|Personal Information Categories Listed in the California Customer Records Statute (Cal. Civ. Code § 1798.80(e))||N/A|
|Internet/Electronic Network Activity Information||Affiliates, Service Providers, Business Partners, Advertising and Analytics Partners, and Social Media Platforms|
|Financial Qualification Information||Affiliates, Service Providers, and Business Partners|
|Healthcare Information||Affiliates, Service Providers, and Business Partners|
|Other Content||Affiliates, Service Providers, and Business Partners|
|Sensitive Personal Information||N/A|
For more details on how your personal information is disclosed, please see the “How We Disclose Personal Information” section, which provides additional information about our disclosure of Personal Information to Affiliates, Service Providers, Business Partners, and Advertising Partners.
We may also disclose all categories of personal information we collect:
The list below summarizes the categories of personal information disclosed that may be considered “selling” or “sharing” under California law. Each of these categories may be “sold” or “shared” with our Advertising and Analytics Partners and the Social Media Platforms we use.
Shine the Light: California’s “shine the light” law (Civil Code Section § 1798.83) permits users of our Services 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 contact us using the information provided below.
Data Retention: JG Wentworth retains the personal information we receive as described in this Privacy Notice for as long as necessary to fulfill the purpose(s) for which it was collected, carry out our operations, resolve disputes, establish legal defenses, conduct audits, pursue legitimate business purposes, enforce our agreements, comply with applicable laws, or based upon other criteria, including, but not limited to, the sensitivity and volume of such data. Additionally, we endeavor to retain all such personal information in accordance with legal requirements. Any biometric identifiers or biometric information that we collect will be deleted when it is no longer needed for the purpose it was collected or 3 years after our last interaction with a Participant, whichever occurs first.
How to Exercise Your Rights, Verification Procedures, and Authorized Agents:
The CCPA includes exemptions under which the aforementioned rights may not extend to personal information protected by other laws, including the Gramm-Leach-Bliley Act (GLBA), the Health Insurance Portability and Accountability Act (HIPAA), the Fair Credit Reporting Act (FCRA), and/or the Driver’s Privacy Protection Act.
9. Security of Your Personal Information
We employ a number of organizational, technical and physical safeguards designed to protect the personal information we collect. However, security risk is inherent in all internet and information technologies, and we cannot guarantee the security of your personal information. To the fullest extent permitted by applicable law, we do not accept liability for unauthorized access, use, disclosure, or loss of personal information.
By using our 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 our Services.
10. Retention of Your Personal Information
11. Do Not Track
Our Site does not currently take any action when it receives a Do Not Track request. Do Not Track is a privacy preference that you can set in your web browser to indicate that you do not want certain information about your webpage visits collected across websites when you have not interacted with that service on the page. For details, including how to turn on Do Not Track, visit www.donottrack.us.
12. Notification of Changes
13. Links to Third Parties’ Websites
This Website may contain links and interactive functionality interacting with the websites of third parties. We have not reviewed all of those third party websites. We are not responsible for, and have no liability for the functionality, actions, inactions, privacy settings, privacy policies, terms and conditions and content of any such website. The links and interactive functionality for third party websites on this Website, in no way constitute an endorsement by us of these third party websites. YOUR USE OF THIRD PARTY WEBSITES AND RESOURCES IS AT YOUR OWN RISK.
14. Contact Us
Phone: Call 1-561-933-7703
Email: [email protected]
15. Alternative Format
If you have a disability that prevents or limits your ability to access this notice, please contact us using the information provided in Section 14 (Contact Us) above. We will work with you to provide this notice in an alternative format.