This California Consumer Privacy Act (CCPA) Data Processing Addendum is a direct reflection of requirements set forth by the California Consumer Privacy Act of 2018 and the amendments made in 2020. The purpose of this Statement is to help FlipScore Credit’s users understand the superseded, amended, and added regulations as per the California Civil Code §§ 1798.100 to 1798.199. This Statement also serves to notify all users clearly that FlipScore Credit is a Service Provider following the rules and regulations set forth by CCPA.
This Statement shall be applicable to collection, processing, or sale of information other than;
This Addendum (“Statement”) serves as an addendum to the Terms of Service (“Agreement”) between FlipScore Credit and you (each a “Party” and collectively the “Parties”). The Statement shall remain in effect till FlipScore Credit holds on to any Personal Information (as per CCPA definition and protection) Customer shall provide or is collected as mentioned above. This Statement prevails should any conflict arise in the terms of the Agreement set forth, but doesn’t hold authority to otherwise modify it. You enter into this Statement on your own behalf and not any third party (except Authorized Affiliates), to whatever extent CCPA requires.
To get a better grip of your rights with respect to anything not mentioned in this CCPA Privacy Statement, please refer to FlipScore Credit Privacy Policies at *link*.
You are a direct representative of and warrant that you have been provided a notice that FlipScore Credit shall collect and use Personal Information consistent with Cal. Civ. Code 1798.140(t)(2)(C)(i).
“Affiliate” represents any entity or person controlling, being controlled by, or is under common control, directly or indirectly, by you.
“Authorized Affiliate” represents any of your Affiliate(s) who are permitted to receiving benefit of Services provided by FlipScore Credit under the Agreement.
FlipScore Credit collects information to identify, relate, describe, reference, associate with, or could link, directly or indirectly with you or your household. This information is subject to the CCPA (“Personal Information”). Following is a breakdown of information we have collected in the past twelve (12) months, sorted with respect to categories of Personal Information:
|Identifiers||Real name, address, unique personal identifier, Social Security number, online persona or identifier, IP address, email address, email account information such as name, passport number, driver's license number||Yes|
|Personal Information listed under California Customer Records statute (Cal. Civ. Code § 1798.80(e))||Name, signature, physical description, Social Security number, mailing and permanent address, contact information, passport number, driver's license number, education, employment, insurance policy number, bank account details, credit/debit card information, medical/health insurance information.||Yes|
|Commercial information||Purchasing/consuming histories or tendencies.||Yes|
|Biometric data||Genetic data, physiological, biological, and behavioral patterns, finger, face, and voiceprints, iris/retina scans, gait, sleep, exercise, or other physical patterns||No|
|Internet or similar network activity||Internet history, website, application, or advertisement interaction||Yes|
|Geolocation data||Geolocation data||Yes|
|Sensory data||Electronic, visual, olfactory, or similar data.||No|
|Profession-related data||Job history or evaluations.||Yes|
|Non-public educational data (as per the Family Educational Rights & Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99))||Educational records maintained by educational institutions, grades, transcripts, behavior, class lists, schedules, identification codes, financial information, or disciplinary records.||Yes|
|Personal Information Inferences||Inferred personal preferences, psychological trends, predispositions, attitude, intelligence level, abilities, and aptitude.||Yes|
Following isn't included in Personal Information:
FlipScore Credit procures its information from a variety of sources, including but not limited to:
According to the Personal Information categories mentioned in Section 3, Table 1, FlipScore Credit may use or disclose said information for the following business purposes:
Apart from collection of Personal Information, FlipScore Credit reserves the right to disclose said information to a third party ONLY for business purposes.
FlipScore Credit has disclosed information for from the following categories for business purposes over the past twelve (12) months:
|Category B||California Customer Records Personal Information|
|Category F||Internet or other similar network activities|
|Category H||Sensory data|
|Category K||Inferential data deduced from Personal Information|
While keeping each of the categories mentioned in the table above, by using FlipScore Credit you agree not to object to our Personal Information usage policy. You also agree that FlipScore Credit has the right to disclose said Personal Information for business purposes as and when need be. Flip Score Credit reserves the right to disclose information to the following third parties:
Furthermore, FlipScore Credit does not disclose any Personal Information of individuals who can be identified as being under the age of 16 to anyone without express affirmative authorization. This includes businesses or third parties as mentioned above for any sort of monetary or other valuable consideration that can be classified as a “sale” under California law.
In accordance with the rules set for by the CCPA, FlipScore Credit offers you (California resident) certain Options regarding your Personal Information. This section will list them out for you along with and explaining how you can exercise those rights.
You may request disclosure of certain information about our data collection and use of said data for the past 12 months. Upon receipt and confirmation of a verifiable consumer request from you, Flip Score Credit will disclose to you:
CCPA allows you the unchallenged right to request FlipScore Credit that we delete any and all Personal Information we may have collected or stored/retained, subject to a few exceptions. After FlipScore Credit receives a verifiable consumer request from you, we shall delete all your Personal Information from our records, unless an exception applies. FlipScore Credit shall also direct all third parties that said information may have been shared with in the normal course of business to do the same.
FlipScore Credit reserves the right to deny the deletion of Personal Information even in the presence of a formal verifiable consumer request, should retention of said Personal Information become absolutely necessary in order to:
By using FlipScore Credit, FlipScore Credit agree that only you or a person explicitly authorized by you can act on your behalf to make a verifiable consumer request to FlipScore Credit in relation to your Personal Information.
Under CCPA, you have the unchallenged right exercise unlimited access, portability, and deletion rights as described in the sections above. To do so, we recommend that you submit a formal request to us by:
California rules and regulation as well as State law allows you to designate any authorized agent, provided they are of sound mind, to submit a verifiable consumer request in your stead. To make such an appointment, you shall give said agent a notarized permission (written) that explicitly states that they may act on your behalf when it comes to dealing with FlipScore Credit.
Agents must be of sound mind and would be subject to verification procedures just as you would be, i.e., the process we use to verify new consumers who have no existing relationship with FlipScore Credit. We have the right to request that, even though the agent has a notarized form, you shall provide some sort of verification in regards to your own identity. A simple phone call or perhaps a face-to-face meet would suffice. Should you be unavailable for that, FlipScore Credit shall turn to your next of kin for verification. Failure to provide verification, if requested, gives FlipScore Credit the right to reject said agency.
In case of a minor, parents or guardians are allowed by law to make a verifiable consumer request on their behalf. However, it is important to understand that in regards to minors, the CCPA imposes strict regulations about enforcing your own decisions on the minor. Therefore FlipScore Credit has the unchallenged right to ask you that you sign and submit a notarized consent form when doing so. We also reserve the right to consult with the minor to ask whether this decision has been made with their consent.
The verifiable consumer request must include:
Without proper verification, FlipScore Credit can and will not respond to any requests made in regards to Personal Information. FlipScore Credit will make every reasonable effort to verify your request but no expectation of going above and beyond should be made.
In case of failure to verify the identity of agent or the real consumer, FlipScore Credit will take no discernable action, and in case we do, out response will be limited to the bare minimum as required by applicable legislation. Please keep in mind that in order to make a verifiable consumer request, you do not have to create an account with us.
FlipScore Credit endeavors to make every effort to respond to any and all verifiable consumer request at most 45 days after the day of receipt. In case FlipScore Credit requires more time, we shall inform you in writing or otherwise for an extension of up to 90 days. For those applicants who have an account with FlipScore Credit, you shall get the written message delivered to that account.
For those applicants who do not have an existing FlipScore Credit account, the same shall be delivered via mail. You shall choose whether you prefer electronic or physical mail.
In case the answer is negative, the response shall include an explanation of why FlipScore Credit cannot or is not willing to comply to your request.
FlipScore Credit charges no fee for processing or responding to any verifiable consumer request unless it involves excessive efforts from our end, is repetitive, or outstandingly ill- or unfounded. In case FlipScore Credit determines that your request warrants a fee, our email/mail will contain information about our decision along with the cost estimate.
For those customers who use any sort of assistive technology and are unable to see, read, understand, or otherwise make sense of this Statement and the information contained within, Flip Score Credit recommends that you get in touch with us at *email address*. We shall make every effort to get in touch with you, so we request that you indicate your preferred format in which we should send you the same material and mode of communication, i.e., contact information.
For any questions or comments in regards to this Statement, your Agreement with FlipScore Credit, our Personal Information collection and usage poilicies, your rights under this Statement and CCPA and options about such use, or are looking to exercise the rights provided to you under California law, please get in touch with us at *email address*.