Training Example: Above Lending – Review the Data, Give Your Score & Compare to the Real AI Evaluation

[H2] TrustPilot

[IMG: TrustPilot starts image (score: 5)]

TrustScore 4.8 |
4717 reviews

Everyone has been so very helpful to get my debt resolved and I’m so happy to work with them to get my debt gone. Any questions I have they have answered and helped me understand.

Songfinch

It was like a conversation with a friend. She answered all of my questions and understood her explanation of who/why/where/when in layman's language! Thank you!!!

Marilyn

My loan officer is amazing, and made the whole phone call and process easy, and he relieved alot of my stress and anxiety over the process.

Kelly Symonds

[H2]
How it Works

[H3] Find Your Offer

Confirm your basic info to look up your personalized offers

[H3] Review Your Offers

A loan specialist will help you pick the best offer for you

[H3] Get Your Funds

E-sign your documents and get your money quickly

Call now to talk to a loan specialist
(800) 201-2295

(800) 201-2295
Call now to talk to a loan specialist

[IMG: Above Lending logo]

[H1] 404 Not Found

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‹
Documents & Disclosures

[H2] (Last Update June 2024)

As your financial privacy is very important to us, this policy discusses
Above Lending and its subsidiaries' (collectively, “Above,” “we,” “us,”
“us,” or “our”) privacy practices with respect to guarding the
confidentiality and security of your personal information and the
information you submit through this website.

If we decide to change our privacy policy, we will make revisions to this
document, and, if necessary, to our
Privacy Notice.
In some cases, especially if we're required by applicable law, we will
notify you about these changes. We reserve the right to modify this privacy
policy at any time, so please review it frequently so that you are aware of
what information we collect, how we use it, and under what circumstances, if
any, we disclose it.

[H2]
What information does Above collect?
We collect personal information about you that you willingly provide to us
for purposes of generating consumer loan offers and other financial products
and services as well as originating, servicing and collecting consumer
loans. This information includes your name, address, email address, state of
residence, phone number, social security number, amount of unsecured credit
obligations, your IP address, your interactions on the website, and how you
heard about us. If you apply for a loan or other financial product or
service, we will collect additional personal information about you,
including information about your education, home address, employment,
financial and outstanding credit obligations, creditors, life events, and
financial condition.

Also, as part of your loan application, we may also collect copies of
additional documents and associated information from you, such as a driver's
license, social security card, paystub, or bank statements. We may receive
personal information about you from other parties as well, such as credit
reporting agencies, third parties who assist in identifying prospective
consumers, data brokers, social media and marketing sources, or your
creditors.If your personal information changes, or if you no longer desire
our products or services, you may contact us at the contact information
provided at the end of this privacy policy to correct, update, delete, or
deactivate your personal information, in accordance with applicable law.

We also may collect information that is not personally identifiable. Our
website automatically collects clickstream information about your visit.
This can include the address of the website from which you originated before
visiting our website, the pages you visit on our website, and information
about the browser you use.

[H2]
How does Above use the information it collects?
We do not disclose any information that we collect to any other person or
entity except as permitted by law and indicated in this privacy policy
and/or our or our partner's
Privacy Notice
provided or made available to you.

The personal information we collect is initially used to evaluate your
eligibility and underwrite you for a consumer loan. After evaluating your
application, we will use the information you submitted to contact you about
consumer loans and other financial products and services, explain how Above
can help relieve your credit burdens through a consumer loan, or suggest
alternate options if Above is unable to assist you. If you obtain a loan
through Above Lending, we will also use your information to service the
loan.

Above uses Google Analytics reporting to gather information on visitors to
our website. We do not facilitate the merging of personal information with
non-personal information previously collected from displaying advertising
features that is based on the DoubleClick cookie unless we have robust
notice of, and your prior affirmative (i.e., opt-in) consent to that merger.
We have implemented Google Analytics Demographics and Interest Reporting to
gather information such as age, gender, and interests through our website.
Above uses this information to further enhance our visitors' experiences on
our website and to support display advertising. Using the Ads Settings,
visitors can opt-out of Google Analytics for Display Advertising and
customize Google Display Network ads.

[H2]
Does Above share information with 3rd parties?
At Above Lending, we understand the importance of protecting your personal
information and maintaining your trust. We may share your personal
information in the following circumstances:

Sharing with Affiliates for Marketing Purposes

We may share your personal information with trusted third-party service
providers and partners who assist us in the origination and servicing of
loans ("Affiliates"). These entities are contractually obligated to maintain the
confidentiality and security of your information and are prohibited from
using it for any purpose other than the specific services they provide to
us.

Examples of such service providers and partners include:

Vendors and contractors who support our lending operations, such as credit
bureaus, loan underwriting services, and loan servicing companies.

Financial institutions and bank
partners.
who collaborate with us to originate and fund loans.

SMS Consent

SMS opt-in data and consent details are used solely to send text messages from
Above Lending and its Affiliates and are not sold, rented, or shared with third
parties for their own purposes. SMS opt-in data may be processed only by service
providers acting on our behalf.

Sharing with Service Providers and Partners

We may share your personal information with our Affiliates for
their business purposes and for the purpose of marketing their products and
services to you. Our Affiliates are required to maintain the confidentiality
and security of your information and are subject to our strict privacy
policies.

Sharing for Legal and Regulatory Purposes

We may disclose your personal information if required to do so by law or in
response to valid requests from public authorities, such as court orders,
subpoenas, or governmental audits or investigations. We will only disclose
the minimum information necessary to comply with such legal obligations.
Other Potential Sharing Scenarios
In addition to the above circumstances, we may also share your personal
information in the following situations:

Corporate Transactions: In the event of a corporate transaction, such as a
merger, acquisition, or sale of assets, we may share your personal
information with the involved parties to facilitate the due diligence
process and ensure the continuity of our services.

With Your Consent: We may share your personal information with third
parties if we have obtained your explicit consent to do so for specific
purposes.

Protection of Rights and Safety: We may disclose your personal information
if we believe it is necessary to protect our rights, property, or safety,
or the rights, property, or safety of others.

As necessary, we may share non-personal information with our trusted
third-party service providers, such as the corporations that manage or
host our website, to perform services on our behalf. They typically use
non-personal, anonymous information - like clickstream information
regarding visit duration - that isn't identifiable with a particular
visitor to further improve the website.

We generally will not sell, rent, or trade your personal information to
third parties for their own marketing purposes without your explicit
consent. You may further limit our sharing of your information in accordance
with our
Privacy Notice.

[H2] Cookies

A cookie is a small text file that is stored on a user's computer for
record-keeping purposes. We use cookies on this website. We do not link the
information we store in cookies to any personal information you submit while
on our website.

We use persistent cookies. A persistent cookie remains on your hard drive
for an extended period of time. You can remove persistent cookies by
following directions provided by your Internet Service Provider.

We set persistent cookies to track and target the interests of our users to
enhance the experience on our website. If you reject cookies, you will not
have any difficulties using our website.

Some of our business partners/affiliates use cookies on our website. We have
no access to or control over these cookies. This privacy policy covers the
use of cookies by Above only and does not address the use of cookies by any
other party.

At this time, Above does not respond to Do Not Track (DNT) signals. You may
have additional choices available to you with regards to some online
behavioral advertising cookies. Please visit the Digital Advertising
Alliance at
https://optout.aboutads.info/?c=2&lang=EN
or the Network Advertising Initiative at
https://optout.networkadvertising.org/?c=1
for more information.

[H2] Pixels

Pixels allow third parties to collect browsing information across sites and
helps us to make the ads and content displayed more relevant to users. The
Pixels also allow us to provide information to third parties about how
viewers engage with content or advertisements and how to reach the most
interested audience.

Pixels collect IP address and location, date and time stamp, user agent,
cookie IDs (if applicable), URL, time zone, and other browser-level data or
cookie data.

Pixels for ad or content optimization is only used after such data has been
aggregated with other data collected from advertisers or other third
parties.

We may share aggregate statistics, metrics, and other reports, such as the
number of unique user views, demographics about the users who engaged in ads
or content, conversion rates, and date and time information.

[H2]
Does Above have safeguards in place to protect my personal information?
We restrict access to your personal information only to those employees who
need to know that information to service and maintain your account with us
or reach out to you about our products and services. We also maintain
physical, electronic, and procedural safeguards that comply with federal
requirements to guard your personal information. All employees are trained
on information security expectations to ensure the confidentiality and
proper usage of data and the systems protecting the data.

Please be aware that 100% security is not achievable and despite our best
efforts, we cannot anticipate every possible threat to personal information.
By using our website, you acknowledge that such use is not risk-free.

[H2] California Privacy Notice

This PRIVACY NOTICE FOR CALIFORNIA RESIDENTS supplements the information
contained in the privacy policy of Above (also referred herein as
“business”) and applies solely to visitors, users, households, and others
who reside in the State of California (“consumers” or “you”). We adopt this
notice to comply with the California Consumer Privacy Act as amended from
time to time (“CCPA”) and other California privacy laws. Any terms defined
in the CCPA have the same meaning when used in this notice.

[H2] Information We Collect

We collect information that identifies, relates to, describes, references,
is capable of being associated with, or could reasonably be linked, directly
or indirectly, with a particular consumer or device (“personal
information”). In some cases we also collect “sensitive personal
information.” Sensitive personal information includes:

Any personal information that divulges any of the following:

A consumer's social security, driver's license, state identification
card, or passport number.

A consumer's account log-in, financial account, debit card, or credit
card number in combination with any required security or access code,
password, or credentials allowing access to an account.
A consumer's precise geolocation.
A consumer's racial or ethnic origin, religious or philosophical
beliefs, or union membership.

The contents of a consumer's mail, email, and text messages unless the
business is the intended recipient of the communication.
A consumer's genetic data.

The processing of biometric information for the purpose of uniquely
identifying a consumer.

Personal information collected and analyzed concerning a consumer's
health.

Personal information collected and analyzed concerning a consumer's sex
life or sexual orientation.

In particular, the chart below depicts the categories of personal
information and sensitive personal information relating to consumers we have
collected within the last twelve (12) months:

Category
Examples
Collected

A. Identifiers.
A real name, alias, postal address, unique personal identifier, online
identifier, Internet Protocol address, email address, account name,
Social Security number, driver's license number, passport number, or
other similar identifiers.
Yes

B. Personal information categories listed in the California Customer
Records statute (Cal. Civ. Code § 1798.80(e)).

A name, signature, Social Security number, physical characteristics or
description, address, telephone number, passport number, driver's
license or state identification card number, insurance policy number,
education, employment, employment history, bank account number, credit
card number, debit card number, or any other financial information,
medical information, or health insurance information. Some personal
information included in this category may overlap with other
categories.
Yes

C. Protected classification characteristics under California or
federal law.

Age (40 years or older), race, color, ancestry, national origin,
citizenship, religion or creed, marital status, medical condition,
physical or mental disability, sex (including gender, gender identity,
gender expression, pregnancy or childbirth and related medical
conditions), sexual orientation, veteran or military status, genetic
information (including familial genetic information).
Yes

D. Commercial information.
Records of personal property, products or services purchased,
obtained, or considered, or other purchasing or consuming histories or
tendencies.
Yes

E. Biometric information.
Genetic, physiological, behavioral, and biological characteristics, or
activity patterns used to extract a template or other identifier or
identifying information, such as, fingerprints, faceprints, and
voiceprints, iris or retina scans, keystroke, gait, or other physical
patterns, and sleep, health, or exercise data.

No
for customers
Yes
for certain employees

F. Internet or other similar network activity.

Browsing history, search history, information on a consumer's
interaction with a website, application, or advertisement.
Yes

G. Geolocation data.
Physical location o