Privacy policy
Last updated: May 1, 2024
This privacy policy ("Privacy Policy") explains how personal information is collected, used, stored, and disclosed by Envelope Finance LLC (“Envelope Finance," "we," "us," and "our"). This Privacy Policy applies to consumer users (individually referred to as "you") of our websites, applications, and other online services to which this Privacy Policy is posted (collectively, our “Services").
This Privacy Policy is part of our Terms of Use. By accessing or using our Services, you agree to this Privacy Policy and our Terms of Use. The provisions contained in this Privacy Policy supersede all previous notices and statements regarding our privacy practices with respect to our Services. If you do not agree to every provision of this Privacy Policy and our Terms of Use, you may not access or use our Services.
Application of this Privacy Policy
This Privacy Policy applies to your use of (regardless of means of access) our Services. You may access or use our Services through a desktop, laptop, mobile phone, tablet, or other consumer electronic device (each, a "Device").
Information We Collect
Information you provide us
When you submit an inquiry via our Services or register for an Envelope Finance account, we may collect personal information from you, which may include your name, email address, mobile phone number, banking information, and other information that identifies you (collectively, "Personal Information"). By providing your Personal Information to us, you expressly agree to our collection, use, storage, and disclosure of such information as described in this Privacy Policy.
We may also ask you to create login information for your Envelope Finance account, such as a username and password. When you provide your mobile phone number, we may ask for your consent to receive text messages relating to our Services at that number. You may withdraw your consent by contacting us as indicated below or by replying with "STOP" to any text message we send you. Please note that if you withdraw your consent to receive text messages from us, you may not be able to use some of our Services. Your mobile carrier's standard text message and data charges may apply to text messages you receive from us, and you are responsible for any fees charged by your mobile carrier if we contact you.
Information about your transactions
We collect Personal Information about your transactions with us and others.
Information automatically collected
We (or our service providers acting on our behalf) may collect information about your use of our Services. This information may include Personal Information as well as statistical information that does not identify you ("Analytics"). Some Analytics may be correlated with Personal Information. When Analytics are, directly or indirectly, associated or combined with Personal Information, such Analytics will be considered Personal Information for purposes of this Privacy Policy.
Information that we automatically collect in connection with your access or use of our Services may include:
Device Information: We may collect Device-specific information (such as hardware model, operating system version, unique Device identifiers, and mobile network Information, including your mobile phone number). We may associate your Device identifiers or mobile phone number with your Envelope Finance account.
Log Information: We may record or log information from your Devices, their software, and your activity accessing or using our Services. This information may include:
The Device's Internet Protocol ("IP") address
Identification numbers associated with your Devices
Device event information, such as crashes, system activity, and hardware settings
Location preferences
Date and time stamps of transactions
System configuration information
Other interactions with our Services
How we use information
We may use Analytics as described elsewhere in this Privacy Policy and for research and commercial purposes, such as to improve our Services.
We may use Personal Information for the purposes described elsewhere in this Privacy Policy and internally for our general commercial purposes, including, among other things, to offer our products and services, but only Envelope Finance will have access to your Personal Information.
We may use your email address to respond to your inquiries and to provide you information about our Services.
How we share information
We do not share your Personal Information with: (1) other financial companies for joint marketing purposes; (2) affiliated companies for their everyday business purposes; or (3) any third parties so they can market to you.
We may share your Personal Information with unaffiliated third parties: (1) if you request or authorize it; (2) if the information is provided to help complete a transaction for you; (3) if the information is provided to: (a) comply with applicable laws, rules, regulations, governmental and quasi-governmental requests, court orders, or subpoenas; (b) enforce our Terms of Use or other agreements; or (c) protect our rights, property, or safety or the rights, property, or safety of our users or others (e.g., to a consumer reporting agency for fraud protection, etc.); (4) if the disclosure is done as part of a purchase, transfer, or sale of services or assets (e.g., in the event that substantially all of our assets are acquired by another party, your Personal Information may be one of the transferred assets); (5) if the information is provided to our third-party service providers to perform functions on our behalf (e.g., analyzing data, providing marketing assistance, providing customer service, processing orders, etc.); (6) for our everyday business purposes; or (7) as permitted by applicable law or otherwise described in this Privacy Policy. When you are no longer our customer, we continue to share your information as described in this Privacy Policy.
We may disclose Analytics with third parties as described elsewhere in this Privacy Policy and for our commercial purposes.
Opt-out rights
If you do not wish to receive offers or other notices from us in the future, you can "opt out" by contacting us as indicated at the end of this Privacy Policy or by following the "unsubscribe" instructions in any communication you receive from us. Please be aware that you are not able to opt out of receiving communications about your Envelope Finance account or related transactions with us.
Accessing your information
You must notify us of any change in your Personal Information by contacting us at support@envelopefinance.com to arrange a time to update your Personal Information by phone. DO NOT SEND ANY CHANGES TO YOUR PERSONAL INFORMATION BY EMAIL AS IT IS NOT A SECURE MEANS OF TRANSMISSION. Any changes will affect only future uses of your Personal Information.
Subject to applicable law, which might, from time to time, oblige us to store your Personal Information for a certain period of time, we will respect your wishes to correct inaccurate information. Otherwise, we will hold your Personal Information for as long as we believe it will help us achieve our objectives as detailed in this Privacy Policy.
You can ask us whether we are storing your Personal Information and you can ask to receive a copy of that Personal Information. Before sending you any Personal Information, we will ask you to provide proof of your identity. If you are not able to provide proof of your identity, we reserve the right to refuse to send you any Personal Information. We will respond as quickly as we can to your requests for details of Personal Information we hold about you.
Security
No method of electronic transmission or storage is 100% secure. Therefore, we cannot guarantee absolute security of your Personal Information. You also play a role in protecting your Personal Information. Please safeguard your username and password for your Envelope Finance account and do not share them with others. You agree to notify us immediately of any unauthorized use of your Envelope Finance account or any other breach of security. We reserve the right, in our sole discretion, to refuse to provide our Services, terminate Envelope Finance accounts, and to remove or edit content.
Protecting children's privacy
Our Services are not directed, or intended to be attractive, to children under the age of 18. We do not knowingly collect Personal Information from children under the age of 18. If you are under the age of 18, do not use our Services or submit any information to us.
Changes to our privacy policy
Subject to applicable law, we may revise this Privacy Policy at any time and in our sole discretion. When we revise this Privacy Policy, we will update the date at the top of this Privacy Policy. The revised Privacy Policy will be effective upon posting via our Services, unless otherwise set forth therein or as otherwise required by applicable law. You are free to decide whether or not to accept a revised version of this Privacy Policy, but accepting this Privacy Policy, as revised, is required for you to continue accessing or using our Services. If you do not agree to the terms of this Privacy Policy or any revised version of this Privacy Policy, your sole recourse is to terminate your access and use of our Services. Except as otherwise expressly stated by us, your access and use of our Services is subject to the version of this Privacy Policy in effect at the time of access or use.
Contacting us
If you have any questions regarding this Privacy Policy, or if you wish to ask us to delete, correct, or show you your Personal Information as provided above, please contact us at help@envelopefinance.com or at:
Envelope Finance LLC
201 Spear St., 6th Floor
San Francisco, CA 94105
Attention: Envelope Finance Legal
Sensitive Information: Because email communications are not always secure, please do not include credit card or other sensitive Data (such as racial or ethnic origin, political opinions, religion, health, or the like) in your emails to us.