Privacy Policy

1. Introduction

Upgrade, Inc. ("Upgrade," "we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, mobile application, or use our services.

2. Information We Collect

Personal Information

We collect information that you voluntarily provide to us when you:

• Register for an account or apply for our products
• Complete forms on our website or mobile app
• Contact customer support
• Participate in surveys or promotions

This information may include:

• Name, email address, phone number, and mailing address
• Date of birth and Social Security number
• Employment and income information
• Banking and financial account information
• Credit history and credit score information

Automatically Collected Information

When you visit our website or use our mobile app, we automatically collect certain information:

• Device information (IP address, browser type, operating system)
• Usage data (pages visited, time spent, clicks)
• Location information (with your permission)
• Cookies and similar tracking technologies

3. How We Use Your Information

We use the information we collect to:

• Process your applications and provide our financial products and services
• Verify your identity and prevent fraud
• Assess your creditworthiness and make lending decisions
• Communicate with you about your account and our services
• Send you marketing communications (with your consent)
• Improve our website, mobile app, and services
• Comply with legal and regulatory requirements
• Protect the security and integrity of our systems

4. How We Share Your Information

We may share your information with:

• Bank Partners: To provide financial products and services
• Service Providers: Third-party companies that help us operate our business
• Credit Bureaus: To verify your credit history and report account activity
• Payment Processors: To process transactions and payments
• Legal Authorities: When required by law or to protect our rights
• Business Transfers: In connection with a merger, acquisition, or sale of assets

We do not sell your personal information to third parties.

5. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

• Access: Request access to the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information
• Opt-Out: Opt-out of marketing communications or data sales
• Portability: Request a copy of your information in a portable format

To exercise these rights, please contact us at privacy@upgrade.com

6. Data Security

We implement industry-standard security measures to protect your personal information, including:

• 256-bit SSL encryption for data transmission
• Multi-factor authentication
• Regular security audits and testing
• Employee training on data protection
• Restricted access to personal information

However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

7. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our website. You can control cookies through your browser settings, but disabling cookies may limit your ability to use certain features of our site.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these websites. We encourage you to review their privacy policies before providing any personal information.

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

10. California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected
• Right to know if personal information is sold or disclosed
• Right to opt-out of the sale of personal information
• Right to deletion of personal information
• Right to non-discrimination for exercising privacy rights

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Effective Date" at the top.

12. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us: