Last updated: April 2024

This Privacy Policy explains how IceKredit, Inc. ( IceKredit , we , us ) collects, uses, discloses, and otherwise processes personal information in connection with our services. This Privacy Policy is not a contract and does not create any legal rights or obligations.

IceKredit is committed to the responsible use of information, and strives to provide services to businesses that help reduce fraud, mitigate risk, facilitate more informed decisions, and make society safer, in ways that protect individuals privacy. We are a business-to-business provider and do not engage with consumers directly. We aspire to protect individuals privacy through the design of our products, by credentialing, monitoring, and auditing our customers as appropriate, and through other information security safeguards. We also strive to promote transparency through privacy principles and policies, and appropriate opportunities for choice, access, and correction with respect to personal information about individuals.

IceKredit never sells data. All data that IceKredit receives is from our customers and from trusted data partners on our customers behalf. This data is then used to facilitate the processing of a consumer request from one of our customers. This data is stored on IceKredit systems for audit purposes. Anonymized data is used to improve the performance of our models.

When we use the term services in this Privacy Policy, we are referring both to this website and to our product and service offerings. If you have provided your personal information to a company that uses our product or service offerings, please refer to that company s own Privacy Policy to learn how it collects, uses, discloses, and otherwise processes your personal information.

This Privacy Policy does not cover or address our personal information and privacy practices relating to job applicants, employees, and other personnel.

Region-Specific Disclosures

We may choose or be required by law to provide different or additional disclosures relating to the processing of personal information about residents of certain countries, regions, or states. Please see below for disclosures that may be applicable to you:

Consumers in these states should consult their local state s Department of Consumer Protection to review changes to state privacy laws.

Residents of the State of Nevada in the United States, Chapter 603A of the Nevada Revised Statutes permits a Nevada resident to opt out of future sales of certain covered information that a website operator has collected or will collect about the resident.

Effective January 1, 2023, the following states have new or updated privacy laws:

● California
● Colorado
● Connecticut
● Utah
● Virginia

Consumers in these states should consult their local state s Department of Consumer Protection to review changes to state privacy laws.

To submit a request inquiring about a specific transaction at one of our customers, please contact us at [email protected].

What is Personal Information?

When we use the term personal information in this Privacy Policy, we mean information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, to you. It does not include aggregated or anonymized information that is maintained in a form that is not reasonably capable of being associated with or linked to you.

Our Collection of Personal Information

We collect personal information from many different sources, as described in more detail below.

We collect personal information about you from our customers as well as from other sources, partners and third parties, even before our first direct interaction. However, IceKredit only uses your personal information for evaluation when you request a transaction at one of our customers. This is stored for transaction auditability and is never sold or used again.

Personal Information You Provide

We collect the following personal information you provide indirectly from our customers in connection with our services:

● Name and contact information. Your first and last name, email address, mailing address, phone number, and other similar contact information, including information from ID cards we process in connection with services we provide to our customers.
● Identifiers. Your birth date and other government-issued identifiers, such as a social security number, driver's license number, or other state-issued identification number.

Our Use of Personal Information

We may use personal information we collect to:

● Provide our services. We may use personal information to provide our services to our customers. For example, our customers may send us a data file with individuals social security numbers, names, addresses, birth dates, and other additional information.
● Support, improve, and develop our services. We may use your personal information to provide customer support, measure the performance of our services, fix issues, improve and otherwise develop the features and functionalities of our services, and to test and develop new services.
● Safety and fraud prevention. We may use your personal information to detect and prevent fraud, abuse, or other harmful activities, diagnose and fix technology problems, conduct security investigations, and risk assessments, and improve and enforce our security measures.
● Legal and regulatory requirements and proceedings. We may use your personal information in connection with legal and regulatory proceedings and requirements, including the defense of legal claims, compliance with corporate reporting obligations, and compliance with applicable laws.
● Enforce our rights. We may use your personal information to monitor, investigate, prevent and/or mitigate violations of our terms of use as well as enforce our agreements with third parties and business partners.

Our Disclosure of Customer Information

We may disclose personal information in the following ways:

● To our corporate affiliates: We may disclose customer information to IceKredit s corporate affiliates for purposes and uses that are consistent with this Privacy Policy.
● To our customers: We do not disclose personal information to our customers when we provide them with our services.
● In connection with a business transaction or reorganization: We may take part in or be involved with a corporate business transaction, such as a merger, acquisition, joint venture, or financing or sale of company assets. We may disclose customer information to a third party during negotiation of, in connection with or as an asset in such a corporate business transaction. Customer information may also be disclosed in the event of insolvency, bankruptcy, or receivership.
● To comply with legal obligations and exercise our rights: We may disclose customer information to third parties, such as legal advisors and law enforcement:
○ in connection with the establishment, exercise, or defense of legal claims;
○ to comply with laws or to respond to lawful requests and legal process;
○ to protect the rights and property of IceKredit, our agents, customers, and others, including to enforce our agreements, policies, and terms of use;
○ to detect, suppress, or prevent fraud
○ to reduce credit risk and collect debts owed to us
○ to protect the health and safety of us, our customers, or any person; or
○ as otherwise required by applicable law.
● Consent: We may disclose customer information about you to certain other third parties with your consent.

Our Security Practices

Data security is a company imperative. IceKredit strives to protect personal information that we maintain or disseminate, including the use of appropriate administrative, physical, and technical safeguards.

Children s Personal Information

Our services are not directed to, and we do not intend to, or knowingly, collect or solicit personal information from children under the age of 13. If you are under the age of 13, please do not use our services or otherwise provide us with any personal information either directly or by other means. If a child under the age of 13 has provided personal information to us, we encourage the child s parent or guardian to contact us to request that we remove the personal information from our systems. If we learn that any personal information we collect has been provided by a child under the age of 13, we will promptly delete that personal information

Third-Party Websites

Our services may include links to third-party websites, plug-ins, and applications. Except where we post, link to, or expressly adopt or refer to this Privacy Policy, this Privacy Policy does not apply to, and we are not responsible for, any personal information practices of third-party websites and online services or the practices of other third parties. To learn about the personal information practices of third parties, please visit their respective Privacy Policy.

Updates to this Privacy Policy

We will update this Privacy Policy from time to time. When we make changes to this Privacy Policy, we will change the "Last Updated" date at the beginning of this Privacy Policy. If we make material changes to this Privacy Policy, we will notify you by email by prominent posting on this website or our online services, or through other appropriate communication channels. All changes shall be effective from the date of publication unless otherwise provided.

Contact Us

If you have any questions or requests in connection with this Privacy Policy or other privacy-related matters, please send an email to [email protected].

Alternatively, inquiries may be addressed to IceKredit, Inc. at 5716 Corsa Ave, Suite 206, Westlake Village, CA 91362.

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