Privacy Policy

1.1 Personal Information Does Not Include

• Publicly available information from government records
• De-identified or aggregated consumer information
• Information excluded from the CCPA, including personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (“FCRA”), the Gramm-Leach-Bliley Act (“GLBA”) or California Financial Information Privacy Act (“FIPA”), and the Driver’s Privacy Protection Act of 1994 (“DPPA”).

1.2 Categories of Personal Information We Collect

In the last 12 months, we collected the following categories of personal information:

• “Identifiers” such as name, alias, address, unique identifier, internet protocol address, email address, account number, Social Security Number, or government identification number;
• “Other Personal Information” such as 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, home value, or any other financial information, or medical information. Some personal information included in this category may overlap with other categories;
• “Protected Characteristics” such as 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;
• “Commercial Information” such as records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies;
• “Internet or Network Activity” such as browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement;
• “Geolocation Data” such as physical location or movements;
• “Inferences” drawn from other personal information such as profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes;
• “Biometric Information” such as 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, or gait;
• “Sensory Data” such as audio, electronic, visual, thermal, olfactory, or similar information; and
• “Professional and Employment Related Information” such as current or past job history or performance evaluations.

1. 3 How We Obtain Your Personal Information:

Directly from you.	You enter or provide us with information, whether online or by email, phone, or document upload. For example, your contact information that you provide when creating an account, completing your application, or documents you provide to verify your identity.
Directly and indirectly from you based on activity on our website.	For example, from submissions through our website or website usage details collected automatically.
From vendors that interact with us in connection with the services we perform.	For example, companies that work with us to service your account, companies that work with us to fulfill repair requests, credit reporting companies from which we check your credit in connection with a submitted application, or vendors that provide data we use in protecting you and our products from fraud and identity theft.

1.4. How We Use Your Personal Information:

We may collect, use, or disclose the personal information we collect for one or more of the following purposes:

1. To provide you with information, products, or services that you request from us.

2. To receive analytic services. This includes:

   • To fulfill or meet the reason for which the information is provided; and
   • To carry out our obligations and enforce our rights arising from any contracts entered into by us.
3. Undertaking internal research for technological development and demonstration.
4. Debugging to identify and repair errors that impair existing intended functionality.
5. Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity.
6. Auditing related to a current interaction with a consumer or our customers, and concurrent transactions.
7. Undertaking activities to verify or maintain the quality or safety or device that is owned, manufactured, manufactured for, or controlled by the business, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by us.
8. For short-term, transient use, including disclosure to third parties to build a profile about consumers or to alter consumer’s online experience outside the current interaction, including, but not limited to, the contextual customization of ads shown as part of the same interaction.
9. To comply with our legal or regulatory obligations.
10. Otherwise use the consumer’s personal information, internally, in a lawful manner that is compatible with the context in which the consumer provided the information.

1.5 How We Share Your Personal Information:

We may disclose your personal information to a service provider or third party. When we disclose personal information to a service provider, we enter a contract that describes the purpose and requires the service provider to both keep that personal information confidential and not use it for any purpose except performing the contract or as otherwise permitted under the CCPA. Examples of who we share with include:

• Service providers such as vendors that provide data we use in servicing your account or in protecting you and our products from fraud and identity theft.
• Third parties, including those to whom you or your agents authorize us to disclose your personal information in connection with products or services we provide to you:
• With our affiliates and investors we share Identifiers, Other Personal Information, Protected Characteristics, Commercial information, Geolocation Data, Internet or Network Activity, Inferences, Sensory Data, Biometric Data;
• With our warranty repair companies we share Identifiers, Other Personal Information, Protected Characteristics, Commercial information, Inferences;
• With credit reporting agencies we share Identifiers, Other Personal Information, Protected Characteristics, Commercial information;
• With utility companies and county agencies we share Identifiers, Other Personal Information, Commercial information;
• With our advisors such as lawyers, banks, auditors, accountants, and insurers we share Identifiers, Other Personal Information, Protected Characteristics, Commercial information, Internet or Network Activity, Geolocation Data, Inferences, Biometric Information, Sensory Data, Professional and Employment Related Information;
• With governmental and regulatory agencies we share Identifiers, Other Personal Information, Protected Characteristics, Commercial information, Internet or Network Activity, Geolocation Data, Inferences, Biometric Information, Sensory Data, Professional and Employment Related Information; and
• With our data analytics and web hosting providers we share Identifiers, Other Personal Information, Protected Characteristics, Commercial Information, Internet or Network Activity, Geolocation Data, Inferences, Professional and Employment Related Information.

1.6 Sale of Personal Information:

We do not sell your personal information. We do not sell the personal information of minors under 16 years of age without affirmative authorization.

2.1 Right to Know:

You have the right to request that we disclose certain information to you about our collection, use, and disclosure of your personal information over the past 12 months (“Right to Know”). Once we receive and verify your request, unless an exemption applies, we will disclose to you:

• Categories of Personal Information Collected and Shared

  • The categories of personal information we collected about you
  • The sources for the personal information we collected about you
  • Our business or commercial purpose for collecting that personal information
  • Our business or commercial purpose for collecting that personal information
  • If we disclosed your personal information for a business purpose, the categories of personal information shared with each category of third-party recipients

• Specific Information

  • The specific pieces of personal information we collected about you

2.2 Right to Delete:

You have the right to request that we delete any of your personal information that we collected and retained (“Right to Delete”). Once we receive and verify your request, we will delete, de-identify, or aggregate your personal information (and direct our service providers to do the same), unless an exemption or exception applies.

We may deny your Request to Delete if retaining the personal information is necessary for us or our service providers to:

• Complete the transaction for which the personal information was collected, provide a good or service requested by the consumer, or reasonably anticipated within the context of our ongoing business relationship with the consumer, or otherwise perform a contract between the us and the consumer.
• Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity.
• Debug to identify and repair errors that impair existing intended functionality.
• Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law.
• Comply with the California Electronic Communications Privacy Act pursuant to Chapter 3.6 (commencing with Section 1546) of Title 12 of Part 2 of the Penal Code.
• Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the businesses’ deletion of the information is likely to render impossible or seriously impair the achievement of such research, if the consumer has provided informed consent.
• To enable solely internal uses that are reasonably aligned with the expectations of the consumer based on the consumer’s relationship with the business.
• Comply with a legal obligation.

2.3 Right to Opt-Out:

Under the CCPA, you have the right to opt-out of the sale of your personal information (“Right to Opt-Out”). However, we do not sell your personal information. Further, we do not sell the personal information of minors under 16 years of age without affirmative authorization.

2.4 Right to Non-Discrimination:

You have the right to not be discriminated against for exercising your rights under the CCPA. Unless permitted by the CCPA, we will not:

• Deny you goods or services;
• Charge you higher prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties;
• Provide you a lower level or quality of goods or services; or
• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

3.1 How to submit a request:

To make a Request to Know or Request to Delete, please contact us by either:

• Calling us at: (844) 588-9525
• Contacting us at: privacy@solridge.com

Only (1) you, (2) a person authorized by you to act on your behalf, or (3) an entity registered with the California Secretary of State and authorized by you to act on your behalf, may make a Request to Know or Request to Delete related to your personal information. You may also make a request on behalf of your minor child.

You may only make a Request to Know twice within a 12-month period.

A Request to Know or Request to Delete must:

• Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative. We will need to verify your identity including name and email address. You may also need to provide us with a phone number and mailing address to process your request; and
• Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

3.2 Authorized Agents:

Before we can respond to a Request to Know or Request to Delete submitted by an authorized agent, we need to verify not only that person or entity’s authority to act on your behalf but also verify the identity of the authorized agent.

If you are authorized to submit a request on behalf of a California resident, please email us at privacy@solridge.com and provide the following information:

1. To verify your authorization to request on behalf of a California resident, please attach a copy of one or more of the following to your request email:

   • California Secretary of State entity details and signed permission from the California resident (if the agent is a business entity),
   • signed permission from the California resident (if the agent is an individual), or
   • a valid power of attorney

2. To verify your identity, please attach copies of the following to your request email:

   • valid Government Issued ID (not expired) AND
   • a Utility Bill, Bank Statement, or similar documentation to verify your name and address.
3. To verify the identity of the consumer for whom you are submitting the request, please submit the required information by calling us at (844) 588-9525 or emailing us at privacy@solridge.com.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. We will only use personal information provided in a request to verify the requestor’s identity or authority to make the request.

3.3 Response Timing and Delivery Method:

We will acknowledge receipt of a Request to Know or Request to Delete within 10 business days of its receipt. We will respond to a request within 45 days of its receipt. If we require more time (up to 45 additional days for a total of 90 days from receipt of the request), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically. Any response to Request to Know we provide will only cover the 12-month period preceding our receipt of the request. The response we provide will also explain the reasons we cannot comply with a request, if applicable.

We do not charge a fee to process or respond to your request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.