Privacy Policy

1. Introduction

HL Hunt Credit Corporation and its affiliates ("HL Hunt Credit," "we," "us," or "our") are committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information when you visit our website, use our mobile application, apply for or use our credit card products, or otherwise interact with us.

This Privacy Policy applies to information collected by HL Hunt Credit through our websites, mobile applications, and other online services that link to this Privacy Policy (collectively, the "Services"), as well as information collected offline, such as when you apply for a credit card by phone or mail.

By using our Services, you agree to the collection, use, and disclosure of your information as described in this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access or use our Services.

2. Information We Collect

2.1 Information You Provide to Us

We collect information you provide directly to us, including:

• Identity Information: Name, date of birth, Social Security number, government-issued identification numbers
• Contact Information: Email address, mailing address, phone number
• Financial Information: Income, employment information, bank account details, credit history
• Account Credentials: Username, password, security questions and answers
• Transaction Information: Purchase history, payment information, account balances
• Communication Data: Content of emails, chat messages, phone calls, and other communications with us
• Business Information: For business accounts: business name, EIN, business address, ownership information

2.2 Information We Collect Automatically

When you use our Services, we automatically collect certain information, including:

• Device Information: Hardware model, operating system, unique device identifiers, mobile network information
• Log Information: Access times, pages viewed, IP address, referring URL
• Location Information: General location based on IP address or, with your consent, precise location from your mobile device
• Cookies and Similar Technologies: Information collected through cookies, pixel tags, and similar technologies

2.3 Information from Third Parties

We may collect information about you from third parties, including:

• Credit Bureaus: Credit reports and scores from consumer reporting agencies
• Identity Verification Services: Information to verify your identity and prevent fraud
• Financial Institutions: Account information when you link external accounts
• Public Records: Information from public databases
• Marketing Partners: Information about your interests and preferences

3. How We Use Your Information

We use the information we collect for various purposes, including to:

• Process your credit card application and determine your eligibility
• Provide, maintain, and improve our Services
• Process transactions and send related information
• Send you technical notices, updates, security alerts, and administrative messages
• Respond to your comments, questions, and customer service requests
• Communicate with you about products, services, offers, and events
• Monitor and analyze trends, usage, and activities
• Detect, investigate, and prevent fraudulent transactions and other illegal activities
• Personalize and improve your experience
• Comply with legal obligations and enforce our terms and policies
• Carry out any other purpose described to you at the time information was collected

4. Information Sharing and Disclosure

We may share your information in the following circumstances:

4.1 Service Providers

We share information with third-party vendors, consultants, and service providers who perform services on our behalf, such as payment processing, data analysis, email delivery, hosting, customer service, and marketing.

4.2 Banking Partners

As a financial technology company, we partner with FDIC-insured banks to issue credit cards. We share information with our banking partners as necessary to provide our Services and comply with applicable laws and regulations.

4.3 Legal Requirements

We may disclose information if required by law, regulation, legal process, or governmental request, or when we believe disclosure is necessary to protect rights, safety, or property, or to detect, prevent, or address fraud, security, or technical issues.

4.4 Business Transfers

We may share or transfer information in connection with a merger, acquisition, reorganization, sale of assets, or bankruptcy.

4.5 With Your Consent

We may share information with your consent or at your direction.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including to satisfy legal, accounting, or reporting requirements. The retention period may vary depending on the context of our interactions with you and our legal obligations.

When determining the appropriate retention period, we consider the amount, nature, and sensitivity of the information, the potential risk of harm from unauthorized use or disclosure, the purposes for which we process the information, and applicable legal requirements.

6. Your Rights and Choices

6.1 Account Information

You may update, correct, or delete your account information at any time by logging into your online account or contacting us. Note that we may retain certain information as required by law or for legitimate business purposes.

6.2 Communications Preferences

You may opt out of receiving promotional communications from us by following the instructions in those messages or by updating your preferences in your account settings. If you opt out, we may still send you non-promotional communications, such as those about your account or our ongoing business relations.

6.3 Cookies

Most web browsers are set to accept cookies by default. You can usually set your browser to remove or reject cookies, but this may affect certain features or services.

6.4 Do Not Track

Some browsers include a "Do Not Track" feature. We do not currently respond to Do Not Track signals.

7. Security

We implement appropriate technical and organizational measures designed to protect personal information against unauthorized access, alteration, disclosure, or destruction. These measures include internal reviews of our data collection, storage, and processing practices and security measures, as well as physical security measures to guard against unauthorized access to systems.

However, no method of transmission over the Internet or electronic storage is completely secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

8. Children's Privacy

Our Services are not directed to children under 18 years of age. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe your child has provided us with personal information, please contact us. If we learn that we have collected personal information from a child under 18, we will take steps to delete that information.

9. State-Specific Disclosures

9.1 California Residents

If you are a California resident, you have certain rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including the right to know what personal information we collect, the right to delete personal information, the right to correct inaccurate personal information, and the right to opt out of the sale or sharing of personal information. We do not sell personal information as defined by the CCPA/CPRA.

9.2 Virginia, Colorado, Connecticut, and Utah Residents

Residents of these states have similar rights under their respective state privacy laws, including rights to access, correct, delete, and obtain a copy of personal information, as well as the right to opt out of certain processing activities.

9.3 Nevada Residents

Nevada residents may opt out of the sale of certain personal information. We do not currently sell personal information as defined under Nevada law.

10. Changes to This Policy

We may update this Privacy Policy from time to time. If we make material changes, we will notify you by posting the updated policy on our website and updating the "Effective Date" at the top of this policy. We may also provide notice through email or other means as required by law. Your continued use of our Services after any changes indicates your acceptance of the updated Privacy Policy.

11. Contact Us

If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us at: