Privacy Policy

September 19, 2019

Thank you for visiting Peach Finance, Inc. (“Peach”). Please read the Privacy Policy and the Federal Privacy Notice before using Peach’s website. Peach Finance, Inc. is the owner of this website, www.peachfinance.com (the “Website”), and the hosting, content, and other functionality of this Website is supported by Peach and other third parties that provide software and other services to Peach.

This Privacy Policy, together with the Federal Privacy Notice, describes the type of information we collect from you, what we do with the information we collect, how we protect your personal information we have collected, and how you may update and control the information you provide on our Website.

This Privacy Policy applies to Peach, and this policy is incorporated into and a material term of the Peach Website Terms of Use which establishes your consent and/or use of Peach’s products and services (collectively, “Services”), including the Website.

This Privacy Policy applies to all prospective, current and former Peach customers and all users of Peach’s Website. By accessing or using Peach ’s Website or Services, you consent to this Privacy Policy. If you have questions or complaints regarding our Privacy Policy or practices, please contact us at privacy@peachfinance.com.  All loans serviced by Peach, whether or not through use of the Website and other online tools, are made by various lenders.  Please see your lender’s website for a copy of your lender’s privacy policy and federal privacy notice. You may also request a copy of your lender’s privacy policy and federal privacy notice by reaching out to your lender directly.

Information Peach Collects About You

Information Peach Collects From You Online

You can visit our Website without revealing any personal information, in which case our servers collect information about your internet browsing activity on our Website (as described under “Tracking Technologies”).
If you use our Website to manage an account that you have with a bank or other lender, your bank or lender may provide some of your personal and banking information to us.  You may also be asked to provide other pieces of your personal and banking information. The personal information we collect from your bank or lender, or directly from you may include but is not limited to your:
● Name, address, and phone number
● Social Security number
● Date of Birth
● Employment information
● Salary and income
● Email address
● Bank account number, routing number, and name of your bank
● Debit or credit card number, expiration date and CVV
● Login credentials (user ID and password) you plan to use to access our Website
If you provide us with additional personal information during the time that you have an account or loan that is serviced by Peach, we may use this additional information in conjunction with any other information you have provided to:
● Service your account (provide statements, apply payments, resolve errors, etc.)
● Provide you with products or services that you have requested
● Notify you of other products or services that Peach offers
● Improve our Services and develop additional services or products

Information Peach Collects From Third Parties About You

Credit Reports.  During the process of servicing your loan, we may collect information from credit bureaus and other partners to determine your current financial situation and to evaluate risks associated with your loan and to offer you additional products or services. The credit bureau information we collect includes information about your:
● Credit score
● Open and closed accounts
● Credit inquiries
● Late payments and collections activity
● Public records, including bankruptcy, judgments, tax liens, payment statuses

Information Peach Collects Based on Your Activity on the Peach Website

Peach collects information about your transactions and activity, in addition to other internet browsing data. We collect information about your computer and your visits to the Website, including your IP address, geographical location, browser type, referral source, length of visit, button clicks and page views. If you have a loan that is serviced by Peach, we will also collect information about your payment history.

Tracking Technologies

If you visit our Website without revealing any personal information, our servers still collect information about your internet browsing activity on our Website, and other information such as your IP address, browser type and platform, and information about the link that brought you to our Website. This information is collected anonymously and is used by us and our service providers to better understand a user’s experience on our Website and to improve our Website.

Cookies and Web Beacons. Cookies are data files stored by your internet browser on your computer’s hard drive. Peach and some of our business partners and service providers may use technologies such as cookies, beacons, tags, and scripts, to analyze trends, administer the website, track users’ movements around the website, and gather demographic information about our user base as a whole. We may receive reports on this activity on an individual and aggregated basis. Cookies may also be used to gather statistical data, such as which pages are frequently visited, what is downloaded, and the address of sites visited immediately before or after coming to our Website.

If you have an account that can be managed on our Website, we may use cookies when you sign in to your account to keep track of your personal session, help authenticate your account, and detect fraud. You can control the use of cookies within your web browser. However, if you reject cookies, your ability to use some features or areas of our websites may be limited or unavailable.

Usage Data & Site Activity. Peach also uses local storage to store your preferences and other information. Various browsers offer their own tools for managing content persisted in the browser’s local storage.

Third Party Technologies. We also partner with third parties to manage our advertising on other sites and evaluate our overall Website performance. Our third-party partners may use technologies such as cookies or other similar technologies to gather information about your activities on our Website and other sites in order to provide you advertising based upon your browsing activities and interests or help us track the success of our marketing efforts or overall Website performance. If you do not wish to have this information used to provide you with interest-based advertisements, you may opt-out by clicking here. Please note that this opt-out only applies to interest-based advertisements provided through certain networks and third-parties. You may continue to receive other generic advertisements.

Do-Not-Track Signals

We do not respond to “do not track” signals from your browser at this time. To learn more about how “do not track” works, please visit http://allaboutdnt.com/.

How Peach Uses Your Information

Servicing Your Account

If you manage your loan or account using the Peach Website, we will use your information to help facilitate the servicing of your account.  The information collected in connection with your loan or account may include:

● Generating your borrower profile

● Enabling automatic payments and fund transfers with other financial institutions

● Reviewing your payment history

● Implementing collection activities as needed

● Communicating with you concerning your account and transactions

● Addressing any disputes you may raise concerning your account.

Marketing Communications

Peach may also use your personal information to select you for certain marketing offers. Peach may use your personal information both to select you for an offer and to communicate that offer to you. If you do not wish to receive these communications, you may call us, or email us at privacy@peachfinance.com, and we will remove you from future marketing communications.

Data Analysis & Business Optimization

Peach also uses your information to conduct analyses related to our Services and our Website. We use this information to improve our Services in order to provide you with a simple and streamlined experience. We also use this information to improve our Websites’ usability and to evaluate the success of marketing campaigns and other activities.

Sharing Your Information

Peach may use and disclose your personal information that is collected through our Website and Services to run our everyday business and in accordance with applicable law. We do not share, sell, rent or trade your personal information with any third party other than as described in this Privacy Policy including to our service providers to provide the Services to you or those which you request and with your bank or lender in connection with any loan or account. We may share your information with law enforcement, government officials, or other third parties as required by law and when we believe that such disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, regulatory request or other legal process. We may also aggregate information and statistics and use them in our business and provide them to third parties so long as they do not contain any personally identifiable information.

Protecting your Information

Our goal is to protect the personal information you submit to us through this Website, both in transmission and once received. We and our service providers have implemented technical and organizational measures designed to protect against loss or unauthorized access, disclosure, alteration or destruction of the information you provide on our Website. Despite these efforts, no security measures, however thorough, are perfect. Accordingly, we do not guarantee the security of the information you provide to us.

Data security is achieved through technical safeguards that include a combination of firewalls, intrusion detection system, malware detection system, and data loss prevention systems. Peach also conducts vulnerability scans of applications and systems regularly.

Access to the system is limited to only those who have a need to access information. Administrative safeguards such as a security awareness program, background checks, and our information security policy ensure that only trained and trusted staff are permitted to access personal information. Some additional features of our security program include:

Secure Data Center

Peach uses an industry leading infrastructure service provider for its computing infrastructure needs. Peach’s cloud infrastructure facility (provided through the service provider) is enabled with encryption and data protection capabilities for the systems and services we develop and/or deploy within. Peach’s infrastructure provider is SOC 1, SOC 2, and SOC 3 compliant.

Physical access to the data center is strictly controlled and we use the latest threat prevention technologies such as network and web application firewalls, VPN, antivirus, intrusion detection systems, web filtering and antispam technologies.

Website Security Certificates

Peach equips all customer-facing services with an Extended Validation (EV) Secure Socket Layer (SSL) certificate to ensure that when you connect to our websites you can tell that you are actually on our Website and that all data entered into the websites are transmitted to us in a secure encrypted channel. Once on our system, personal information can only be read or written through defined service access points, the use of which is password-protected.

Session Time-Outs

We employ session time-outs to protect your account. You will be logged out of the Website automatically after a specified period of inactivity. This time-out feature reduces the risk of others being able to access your account if you leave your computer unattended.

Passwords

You should always choose a password that is difficult for others to guess and change your password frequently. At a minimum, we require the use of both numbers and letters in your password. We have also instituted secure steps by which you can regain access to your account should you forget your password, including the use of a security question.

You should never share your password with anyone. Your password is not known to any Peach employee or third party, and we will never ask for your password by phone or email. If you ever receive a communication claiming to be from Peach that asks for your password, you should immediately report it by contacting us at security@peachfinance.com.

Security Awareness Training

We conduct security awareness training for all staff at least annually, and provide additional training on Peach privacy and security-related policies and procedures for personnel that have access to sensitive information. We instruct staff that access must be used only in adherence with the principles set forth in this Policy and applicable laws, and for no other purpose. Personnel who misuse customer information are subject to disciplinary action.

Additional Steps You Should Take to Ensure the Security of Your Information

Secure your Email Account and User ID. Peach sends important communications regarding your account via email. You should therefore take steps to secure and restrict access to your email account and change your email account password frequently. If your email address changes, you should promptly update your contact information on our Website, or contact Peach Finance Customer Service at (888) 517-3224.

You should not include any personally identifying information in your Peach User ID. We are not responsible for any personal information that you may choose to reveal in your User ID.

Beware of suspicious emails. You should be aware of fraudulent emails known as “phishing,” from companies claiming to be Peach and requesting your login information or other account information. PEACH WILL NEVER ASK FOR YOUR LOGIN INFORMATION IN AN EMAIL.

Regularly Remove Cache Files. When you are finished using our Website, you should log out completely, then close the browser window and clear the browser’s cache files. This step is particularly important if you use a computer that is accessed by other people, such as in a public library or Internet café.

Create Strong Passwords. You should use passwords that are at least 10 characters long and contain letters, numbers, and symbols.

Additional Policy Disclosures

We reserve the right to modify this Privacy Policy at any time, without advance notice. If we make any material change to this Policy, we will update our Website to include such changes. We recommend that you review this Website regularly for updates to our Privacy Policy.