Effective January 1, 2024
Please also review the (herein contained) Terms & Conditions that govern your use of our Services.
CIVIC complies with all applicable federal and state privacy laws and regulations.
1. Information we collect
What types of information we gather from you depends on the product or Services you have with us. This information may include:
- Your name, contact information, home/business address, driver’s license number and social security number;
- Your date of birth, gender, and marital status;
- Your log-in information when you log into our (or our affiliate’s) platform;
- Business ownership information, including profit sharing and ownership interests;
- Your financial information, including without limitation, your net worth and your bank statements and tax returns.
If you use our (or our affiliate’s) platform, we may also collect information about the browser you are using. This information can include:
- Your IP address or other device identifying information, browser type, browser language, the date and time of your request;
- One or more cookies that may uniquely identify your device; and
We may supplement this information with data from third parties.
This information may include:
- Information from other sources, such as financial records, employment history, background information (including,
without limitation, criminal background/history), medical records, or other third-party data; and
- Information from other reporting agencies, state and federal government agencies such as state motor vehicle
departments, and credit reporting agencies (including credit reports/history/scores).
- Third party data collected from using internet sites and mobile applications.
2. How we use the information we collect.
We use the information we collect to provide, maintain, protect, optimize and improve our Services, and to enhance your user experience. We may also use the information we collect in the following ways:
Regular Business Purposes
We use the information you provide to update your account(s), process or service requested or authorized transactions, and evaluate and underwrite loan requests and applications. ]
For Our Own Analytic Purposes
CIVIC may also use your information to develop new Services, conduct research, and create anonymous or aggregated reporting for its (or its affiliates’) own use.
For Our Own Marketing Purposes
CIVIC may use your information to offer our products or Services to you, including products and services from our parent company, Roc360.
To Comply with Legal Requirements
It may be necessary to provide information collected from you to respond to subpoenas, other discovery requests, legal investigations, court orders or to otherwise comply with the law.
We may share information pursuant to a governmental agency or investigatory body request. CIVIC may be required to disclose an individual’s personal information in response to a lawful request by public authorities, including to meet national security or law enforcement requirements.
3. How your information is shared.
CIVIC does not share, sell, rent or otherwise distribute your personal information except:
With Our Service Providers
We may share your personal information with other companies and individuals to perform functions or services for us or on our behalf, such as hosting this Site, sending email messages, making phone calls, and processing requests for background and credit checks. These parties are contractually or otherwise restricted from using any personal information for purposes other than providing services for CIVIC (or its affiliates) or on our behalf.
For Administrative and Legal Reasons
See Section 2 above. Additionally, CIVIC also reserves the right to disclose or use information if it has a good faith belief that such action is necessary to: (a) protect and defend the rights, property or liability of CIVIC or its affiliates, other users of this platform, or the public; (b) enforce the Terms and Conditions; (c) respond to claims that any content violates the rights of third-parties; (d) respond to claims of suspected or actual illegal activity; (e) detect, address or prevent fraud, security or technical issues; or (f) respond to an audit.
With Business Partners
We may disclose personal and other sensitive information, as necessary, in connection with providing our products andservices. In order to originate, sell and/or service our loans/loan products/related products, we may disclose your information to loan buyers, financing providers, insurers, reinsurers, insurance intermediaries, brokers, lenders, underwriters, insurance reference bureaus, medical service providers, fraud detection agencies, our other advisers, lawyers, accountants, and other third parties involved in the loan origination, sale and/or servicing process(es).
With Your Consent
We may disclose personal and other sensitive information after receiving your consent for such disclosure. Such consent may be provided via written, electronic, or verbal means, subject to CIVIC’s ability to reasonably validate your identity and determine the authenticity of such request.
4. How can you limit the sharing of your data?
5. What steps does CIVIC take to protect your information?
Secure Internet Connectivity. CIVIC protects your personal/private information through the use of encryption technology. We use industry standard security protocol (Secure Sockets Layer or “SSL”) to ensure that the connection between your browser and our server remains protected. Unfortunately, no data transmitted over the Internet or data storage system can be guaranteed 100% secure. If you believe your connection with us is no longer secure for any reason, please notify us immediately.
Information Security. Personal information and user-specific settings and preferences are stored using commercially standard database and website security software. User passwords and other sensitive user information are saved in a secure manner to prevent unauthorized access or disclosure and accidental loss, alteration, or destruction.
Evaluation of Information Protection Practices. Periodically, our operations and business practices are reviewed for compliance with corporate policies and procedures governing the security, confidentiality, and quality of our information.
Employee Access, Training and Expectations. Our employees are required to protect confidential third party information in general as a condition of employment at CIVIC (or its affiliates), and our business practices limit the use and disclosure of such information, including personal information, to authorized persons, processes, and transactions.