Privacy Policy

Effective Date: Nov 30 2024

This Privacy Policy describes how Werkwallet ("we," "us," or "our") collects, uses, discloses, and protects your information when you visit our website, use our services, or otherwise interact with us. We are committed to protecting your privacy and ensuring that your personal information is handled in a safe and responsible manner. This policy is compliant with the General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA).

1. Information We Collect

We collect the following types of personal information:

• Email Address: Used for communication and service-related notifications.
• Phone Numbers: Used for customer support and service-related communications.
• Basic Business Data: Includes information such as company name, address, and business type, which is necessary for providing lending underwriter services.

2. Purpose of Data Collection

We collect and process your personal information for the following purposes:

• Lending Underwriter Services: To assess your eligibility for lending services, perform credit checks, and provide you with relevant lending options.
• Communication: To communicate with you regarding your inquiries, service updates, and promotional offers.
• Analytics: To improve our services and website functionality through the use of analytics tools.

3. Legal Basis for Processing Personal Data (GDPR)

We rely on the following legal bases for processing your personal information under GDPR:

• Consent: If you provide us with your email or phone number to receive marketing communications, we will process your data based on your consent.
• Contractual Necessity: We process your data to fulfill our obligations under any agreements we have with you regarding lending services.
• Legitimate Interests: We may process your data to pursue our legitimate interests, provided that such interests are not overridden by your rights and interests.

4. Your Rights Under GDPR

As a data subject under the GDPR, you have the following rights:

• Right to Access: You have the right to request copies of your personal data.
• Right to Rectification: You have the right to request that we correct any information you believe is inaccurate or incomplete.
• Right to Erasure: You have the right to request that we erase your personal data, under certain conditions.
• Right to Restrict Processing: You have the right to request that we restrict the processing of your personal data, under certain conditions.
• Right to Data Portability: You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.
• Right to Object: You have the right to object to our processing of your personal data, under certain conditions.

To exercise your rights, please contact us using the contact information provided in Section 10.

5. California Consumer Privacy Act (CCPA) Rights

If you are a California resident, you have the right to:

• Know: Request information about the categories and specific pieces of personal information we have collected about you, the sources from which we collected it, our business purpose for collecting it, and the categories of third parties with whom we share it.
• Delete: Request the deletion of your personal information, subject to certain exceptions.
• Opt-Out: Request to opt-out of the sale of your personal information (note that we do not sell personal information).
• Non-Discrimination: Not be discriminated against for exercising your rights under the CCPA.

To exercise your rights under the CCPA, please contact us using the information provided in Section 10.

6. Sharing Your Information

We do not sell your personal information. We may share your information with the following third parties:

• Analytics Partners: We may use third-party analytics services to help us understand how our services are used and to improve our offerings. These partners may collect information about your use of our website and services.

We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions.

7. Data Security

We take the security of your personal information seriously. We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, loss, destruction, or alteration. However, please be aware that no method of transmission over the Internet or method of electronic storage is 100% secure, and we cannot guarantee its absolute security.

8. Data Retention

We will retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy, or as required by law. When we no longer need your personal information, we will securely delete or anonymize it.

9. International Data Transfers

If you are located outside of the European Economic Area (EEA), your personal information may be transferred to and processed in countries that may not have the same data protection laws as your country. We will ensure that any such transfers are conducted in compliance with applicable data protection laws, including implementing appropriate safeguards to protect your personal information.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on our website. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

11. Contact Us

If you have any questions about this Privacy Policy, please contact us:

• Email: support@werkwallet.com
• Phone: 1-888-232-6099
• Address: 470 James St New Haven CT 06513

By using our services, you consent to the collection and use of your personal information as outlined in this Privacy Policy.

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This Privacy Policy is designed to provide clarity and transparency regarding our practices surrounding your personal information. We encourage you to reach out with any questions or concerns you may have. Thank you for trusting Werkwallet with your data.