California Consumer Privacy Act Notice
PathCredit · Rev. May 2026
Notice of Information Collection, Sharing, Sale, and Disclosure
To operate PathCredit and serve our bank partner, we collect certain personal information and sensitive personal information from and about you. We disclose certain personal information and sensitive personal information about you to third parties. Below you will find a description of (1) the categories of personal information and sensitive personal information we have collected about you, (2) the business or commercial purpose for collecting personal information and sensitive personal information, (3) the categories of sources from which the personal information and sensitive personal information is collected, (4) the categories of third parties with whom the business shares personal information and sensitive personal information, and (5) your right to request the specific pieces of personal information and sensitive personal information we have collected about you.
Notice at Collection
We collect the categories of personal information as described under the “Personal Information We Collect” section below and use these categories of personal information for the purposes as described under the “Use of Personal Information” section below. We may sell or share your personal information. We retain your personal information as described below under the “Retention of Personal Information (Including Sensitive Personal Information)” section.
Changes to Our Privacy Policy
We reserve the right to amend this privacy policy at our discretion and at any time. We will update this policy at least every two years. When we make changes to this privacy policy, we will notify as required under applicable law, which may include by email, text, mail or by posting the updated policy on our website with its effective date. Your continued use of our website, mobile applications or services following the posting of changes, constitutes your acceptance of such changes.
Personal Information We May Collect
| Category | Examples |
|---|---|
| Personal Identifiers | Name, physical and mailing address, email address, phone numbers, date of birth, and social security number |
| Other Personal and Financial Information | Signature, bank name, financial account information such as bank routing and account number, driver’s license or other government issued ID, income sources and tax records |
| Characteristics of Protected Classifications | Age, citizenship, and military status |
| Commercial Information | Records of financial loans or other financial products or services obtained or considered, other purchasing or consumer histories or tendencies and trade line information which may reflect commercial information about you |
| Internet and Network Activity | Social media information, information about your computer or mobile device (browser type, operating system, connection speed), IP address, your interaction with the service or advertisements on the service, a date and time stamp of your visit to the site, pages visited, time of visit and content viewed, keystrokes and cursor movement |
| Professional or Employment Information | Employer name, type of job, wages, pay frequency, military status, rank and station orders, and government benefit information |
| Inferences Drawn from Personal Information and Sensitive Personal Information | We use the information you provide to create a profile reflecting your creditworthiness to underwrite your loan and to identify fraudulent activity |
| Sensitive Personal Information | Social Security Number, account log-in, financial account information, debit card, or credit card number in combination with required credentials or code allowing access to the account |
Limitations on Collection and Use of Personal and Sensitive Information
We do not knowingly collect personal information or sensitive personal information of consumers under 18 years of age. Please note that we do not use your Sensitive Personal Information to infer characteristics about you.
Categories of Sources from which Personal Information and Sensitive Personal Information is Collected
We obtain your personal information and sensitive personal information from the following sources:
- You
- Credit bureaus such as MicroBilt, Clarity, TransUnion, Experian, and Equifax
- Our affiliates, which include all Applied Data Finance, LLC companies doing business as Personify Financial and all companies with the Applied Data Finance and ADF names.
- Non-affiliated third parties with whom we have a business relationship, including lead providers and service providers who assist us in servicing and maintaining your account like payment processors and verification services and other non-affiliated third parties who help us run our business, including internet service providers, data analytics providers, and social networks.
- Government and public records
Business Purposes for which we Collect and Share Personal Information and Sensitive Personal Information
We use the personal information and sensitive personal information we collect from you and third parties to:
- Comply with legal and regulatory obligations;
- Provide you with a loan or other financial products or services you request through Personify;
- Market new loans or other financial products or services available through Personify;
- Provide services and support for your loan or other financial products or services and/or your use of the Site;
- Process transactions and send notifications regarding your loan or other financial products or services from Personify and general operation of the Site;
- Resolve disputes, collect fees and troubleshoot problems involving your loan or other financial products or services from Personify and your use of the Site;
- Detect and prevent potentially fraudulent or illegal activities;
- Website design optimization and customization, measure and improve our Site and the services we provide through our Site;
- Update the content and layout of our website;
- Compare information for accuracy and verify it with third parties.
Categories of Third Parties with which We Share Personal Information and Sensitive Personal Information
We share personal information and sensitive personal information received from you or about you with certain third parties. These parties represent the following categories of third parties:
- Credit bureaus such as TransUnion, Experian, and Equifax, Clarity, MicroBilt and specialty bureaus.
- Our affiliates, which include all companies that have common ownership or control.
- Non-affiliated third parties with whom we have a business relationship, such as United Trust Bank, our banking partner, and including service providers who assist us in servicing and maintaining your account like payment processors and verification services and other non-affiliated third parties who assist us in operating our business, including loan servicers, payment processors, other banks, service providers, data analytics providers, social networks, partners, vendors, or software enabling advertising or marketing analytics activities, such as Google Analytics or Facebook; marketing affiliates; and providers of data, software, or services enabling ADF to manage credit or fraud risk, such as MicroBilt, Clarity or Experian.
Right to Request Information
You have the right to request information regarding the personal information and sensitive personal information we collect on you, including the categories of personal information and sensitive personal information collected and the purposes for which it is collected, as well as the personal information and sensitive personal information we disclose about you to third parties. You may submit requests for information by calling us toll-free at 1-888-578-9546 or by clicking the California Resident Personal Information Request button at the bottom of this page.
Right to Correct Inaccurate Personal Information
If you believe that we maintain inaccurate personal information about you, you have the right to request that we correct such inaccurate personal information. You may request that we correct the inaccurate personal information by calling us toll-free at 1-888-578-9546 or by clicking the California Resident Personal Information Request button at the bottom of this page.
Right to Request Deletion
Under certain circumstances, you may have the right to request that we delete the data we have collected on you. You may request that we delete your data by calling us toll-free at 888-265-2557 or emailing us at customerservice@pathcredit.com.
Right to Equal Service
We will not discriminate against you for exercising any of the rights detailed above. Specifically, if you exercise any of the rights specified above, we will not: (1) deny goods or services to you, (2) charge you different rates or prices from those who have not exercised such rights, (3) provide different levels of service from those who have not exercised such rights, or (4) suggest that you will be subject to the discriminatory actions in items 1–3. However, we may charge different prices or rates, or provide different levels or quality of goods or services, to you, if that difference is reasonably related to the value provided to you by your data.
Consumer Verification
When you make a request for information or request to delete, we will verify that you are the person making the request by comparing the information contained in your request to the information we have on file for you.
Right to Opt-Out of Sale and/or Sharing of Personal Information
We do not presently engage in the sale of consumer Personal Information. Under state law you have the right to opt-out of the sale of your Personal Information. To exercise that right, you may do so by calling customer service or emailing them at the contact information set out below, requesting and completing the form “PathCredit Do Not Sell or Share My Personal Information.”
More Information
For more information regarding this privacy policy, please call us toll-free at 1-888-265-2557 or email us at customerservice@pathcredit.com.
Contact us
Phone: 888-265-2557
Email: customerservice@pathcredit.com
Mail: P.O. Box 340146, Columbus, OH 43235