California Privacy Notice
This California Privacy Notice is for California Residents only and supplements our online Privacy Policy. This notice describes:
- The Personal Information that Conventus LLC (“we,” “our,” or “us”) collects in the course of its business and explains how this information is collected, used, sold, disclosed, shared, and retained;
- The rights provided by the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act (collectively, “CCPA”) to California Residents (“consumer” or “you”) regarding their Personal Information; and
- How consumers can exercise those rights.
Any terms defined in the CCPA have the same meaning when used in this Policy.
Your Personal Information
What is Personal Information?
We may collect, use, share, or disclose your Personal Information. Personal Information is information that identifies, relates to, describes, is reasonably capable of being associated with or could reasonably be linked, directly or indirectly, with you (“Personal Information”).
It does not include:
- Publicly available information (e.g., federal, state, or local records);
- De-identified or aggregate consumer information.
Certain provisions of the CCPA do not apply to Personal Information covered by laws like the Fair Credit Reporting Act or the Driver’s Privacy Protection Act of 1994.
What types of Personal Information do we collect?
We have collected the following categories of Personal Information in the past 12 months:
- Identifiers
- Characteristics of a protected class
- Commercial records
- Internet or electronic network activity
- Employment information
- Education information
- Inferences for consumer profiles
- Sensitive Personal Information
Sources of information include: you, data analytics providers, marketing partners, our website/apps, social media, service providers, credit reporting agencies, government agencies, third parties, and public databases.
What do we do with your Personal Information?
We use your Personal Information for the following purposes:
- Fulfill the reason the data was provided
- Contractual and regulatory obligations
- Customer service and order fulfillment
- Security and debugging
- Short-term, non-personalized use
- Internal research and service improvement
- Marketing and commercial interests
Who may we disclose your Personal Information with?
We may disclose Personal Information to service providers and third parties. Below are the categories of data and possible recipients:
- Identifiers: loan buyers, servicers, service providers, government agencies
- Protected class info: same as above
- Commercial records: same as above
- Internet activity: not disclosed
- Employment info: payroll and service providers
- Education info: loan buyers and servicers
- Inferences: not disclosed
- Sensitive info: loan buyers, servicers, providers, government agencies
Use of Sensitive Personal Information
We only use Sensitive Personal Information for:
- Providing requested services
- Security, fraud prevention, and safety
- Short-term use like non-personalized ads
- Quality and safety improvements
- Non-inferential processing
Your Rights under the CCPA
The CCPA provides you the following rights:
Right to Know/Access
You have the right to know:
- What categories and specific pieces of Personal Information we collect
- The purposes for collection
- Retention periods
- Categories of sources and third parties
- Whether data was sold or shared
Right to Delete
You can request deletion of your Personal Information. We may retain data as permitted by law.
Right to Correct
You can request corrections of inaccurate Personal Information.
Right to Limit Use of Sensitive Personal Information
If used for other than expected purposes, you can limit its use.
Right to Non-Discrimination
We will not retaliate or discriminate if you exercise your rights.
Right to Opt-Out
We do not sell or share your Personal Information for behavioral advertising. No opt-out needed.
Submitting a Verifiable Request
To exercise your rights, contact us via:
- Phone: 415-923-8069
- Email: privacy@cvlending.com
- Mail: 111 Portero Ave. San Francisco, CA 94013 ATTN: Chief Operating Officer
We will verify your identity as follows:
- Account Holders: existing authentication plus re-authentication
- Non-Account Holders: 2–3 matching data points depending on request type
You can use an authorized agent with proper documentation.
Responding to Requests
We will:
- Confirm receipt within 10 days
- Respond within 45 days (extensions explained if needed)
- Inform of costs if requests are excessive or repetitive
Changes to Our California Privacy Notice
We update this notice at least once every 12 months. Last updated on 7/2/2024.
Contact Information
If you have questions or concerns, contact us:
-
- Address: 115 Sansome Street, Suite 700 San Francisco, CA 94104 ATTN: Chief Operating Officer
- Email: privacy@cvlending.com
- Phone: 415-923-8069
