Privacy Policy

Effective as of January, 2018

This privacy policy (the “Privacy Policy”) relates to the information collection and use practices of Achieve in connection with our Program offered through our Site.

BY ACCESSING AND USING THE SITE, YOU ARE ACKNOWLEDGING THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE LEGALLY BOUND BY THIS PRIVACY POLICY AND OUR TERMS OF USE FOUND HERE, WHICH ARE HEREBY INCORPORATED HEREIN, AND, TOGETHER WITH THIS PRIVACY POLICY, CONSTITUTES THE AGREEMENT. IF YOU DO NOT AGREE TO ANY OF THE TERMS IN THE AGREEMENT, YOU MAY NOT ACCESS OR USE THE SITE.

Capitalized terms not defined in this Privacy Policy shall have the meaning set forth in our Terms of Use.

The Information We Collect and Receive

In the course of operating the Site and the Program, we will collect (and/or receive) the following types of information. You authorize us to collect and/or receive such information.

1. Personal Information

When you submit an Application for the Program, or contact us, you will be required to provide us with personal information about yourself. Such information may include your name, address, e-mail address, phone number, date of birth, and social security number. Applicants will also be required to permit us, and our third-party service providers including, without limitation, Plaid Technologies, Inc. (“Plaid”), to access Third-Party Accounts (such as financial institutions) on your behalf in order to retrieve additional information about you, and to permit us to perform one or more background checks on you. Further, Applicants will be required to permit us to obtain information from your personal credit profile or other information from one or more consumer reporting agencies. The information we obtain through Third-Party Accounts, background checks, and credit reports may include your credit history, financial information, and other sensitive personal data. For more information about how you grant us permission to access Third-Party Accounts, perform background checks, and perform credit checks, please see our Terms of Use.

All information we collect and/or receive under this Section is collectively called “Personal Information.” We do not collect any Personal Information from you when you visit the Site unless you provide us with the Personal Information voluntarily or submit an Application which permits us to access Third-Party Accounts, perform background checks, and perform credit checks, as described above and in the Terms of Use.

2. Payment Information

In order to submit an Application for the Program, and in connection with our provision of services under the Program should you become a Qualified Customer and enter into Customer Agreements with Achieve, you may be required to link a payment card or cards to your account, by providing us with a debit card number, credit card number, and/or similar information (collectively, the “Payment Information”). Such Payment Information is collected by our third-party vendor pursuant to the terms and conditions of its privacy policy, and we do not obtain access to such Payment Information.

3. Other Information

We may collect additional information (collectively, the “Other Information”). Such Other Information may include:

a. From You. Additional information about yourself that you voluntarily provide to us, such as personal interests, and your product and service preferences.

b. From Your Activity. Additional information that we automatically collect when you use the Site, including, without limitation:

  • IP address, which may consist of a static or dynamic IP address and will sometimes point to a specific identifiable computer or device;
  • Browser type and language;
  • Referring and exit pages and URLs;
  • Date and time;
  • Details regarding your activity on the Site, such as amount of time spent viewing pages, and other performance and usage data.

c. About Your Device

  • Type of device;
  • Operating system and version (e.g., iOS, Android or Windows);
  • Carrier; and
  • Network type (WiFi, 3G, 4G, LTE).

d. From Cookies. We may use both session cookies, which expire once you close your web browser, and persistent cookies, which stay on your computer until you delete them and other technologies to help us collect data and to enhance your experience with the Site. Cookies are small text files a website can use to recognize a repeat visitor to the website. We may use cookies for various purposes, including to:

  • authenticate users;
  • personalize your experience;
  • analyze which portions of the Site are visited or used most frequently; and
  • measure and optimize advertising and promotional effectiveness.

If you do not want us to deploy cookies in your browser, you can opt out by setting your browser to reject cookies or to notify you when a website tries to put a cookie in your browser software. If you choose to disable cookies in your browser, you can still use the Site, although your ability to use some of the features may be affected.

e. Third-Party Analytics. We, the Site, and the third-party technology providers, ad exchanges, ad networks, advertisers, agencies, and ad servers with which we work use third-party analytics services to evaluate your use of the Site, compile reports on activity, collect demographic data, analyze performance metrics, and collect and evaluate other information relating to the Site and mobile and Internet usage. These third parties use cookies and other technologies to help analyze and provide us the data. You consent to the processing of data about you by these analytics providers in the manner and for the purposes set out in this Privacy Policy.

For more information on these third parties, including how to opt out from certain data collection, please visit the following links:

For Google Analytics: https://www.google.com/analytics
For Segment: https://segment.com/docs/legal/privacy/
For Amplitude: https://amplitude.com/privacy
Mixpanel: https://mixpanel.com/privacy/

We also use one or more third-party remarketing services to advertise on third-party websites to previous visitors to our Site. These third-party remarketing service providers use cookies to serve ads based on a past visit to the Site. Any data collected by such third party remarketing service providers will be used in accordance with this Privacy Policy and the privacy policy of such third party remarketing services provider. For more information on such third party remarketing service providers, including how to opt out from certain data collection, please visit the following links:

For Facebook Ads: https://www.facebook.com/about/privacy
For Google Adwords: you can set preferences for how Google advertises to you using the Google Ad Preferences page https://adssettings.google.com/authenticated, and if you want to you can opt out of interest-based advertising entirely by cookie settings or permanently using a browser plugin

Please be advised that if you opt out of any service, you may not be able to use the full functionality of the Site.

f. From Other Sources. Additional information that we collect or receive from third-party sources in accordance with their privacy policies.

The Information Collected by or Through Third-Party Advertising Companies

We may share Other Information about your activity on the Site with third parties for the purpose of tailoring, analyzing, managing, reporting, and optimizing advertising you see on the Site and elsewhere. These third parties may use cookies, pixel tags (also called web beacons or clear gifs), and/or other technologies to collect such Other Information for such purposes. Pixel tags enable us, and these third-party advertisers, to recognize a browser’s cookie when a browser visits the site on which the pixel tag is located in order to learn which advertisement brings a user to a given site. Neither we nor any third party acting on our behalf employs behavioral advertising or retargeting in connection with users whom we know to be under 13 years old.

How We Use and Share the Information

We use the Personal Information, Payment Information, and Other Information (collectively, “Information”) to provide you the Site, the Program, and our services, solicit your feedback, and to improve our services to you. Also, we may share Information as described below, to the extent not prohibited by Applicable Laws.

  • In an ongoing effort to better understand our users and our Site, we might analyze the Information in aggregate form in order to operate, maintain, manage, and improve the Site. This aggregate information does not identify you personally. We may share and/or license this aggregate data with our affiliates, agents, and business partners, and other third parties. We may also disclose aggregated user statistics in order to describe our Program, our services, and the Site to current and prospective business partners and to other third parties for other lawful purposes.
  • We may employ other companies and individuals to perform functions on our behalf. Examples may include companies and individuals providing credit check and Application review and assessment services, marketing assistance, information technology support, ID verification, maintaining database, and customer service. These other companies, including, without limitation, Plaid and CoreLogic Rental Property Solutions, LLC (“Corelogic”), will have access to the Information only as necessary to perform their functions and to the extent permitted by law. Our contracts with all such third parties require them to protect the confidentiality of the Information we provide to them.

    Achieve uses Plaid to gather user data from financial institutions. By using the Site, our Program, and our services, you grant Achieve and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid privacy policy, found here: https://plaid.com/legal/#privacy-policy).

  • We may share some or all of your Information with any of our parent companies, subsidiaries, joint ventures, or other companies under common control with us.
  • As we develop our businesses, we might sell or buy businesses or assets. In the event of a corporate sale, merger, reorganization, sale of assets, dissolution, or similar event, the Information may be part of the transferred assets.
  • To the extent permitted by law, we may also disclose the Information when required by law, court order, or other government or law enforcement authority or regulatory agency, or whenever we believe that disclosing such Information is necessary or advisable, for example, to protect the rights, property, or safety of Achieve, our users, or others.

If Achieve intends on using your Information in any manner that is not consistent with this Privacy Policy, you will be informed of such anticipated use prior to or at the time at which the Information is collected.

Sharing of Your Information with Non-Affiliated Third Parties

We will not share your Personal Information with non-affiliated third parties that may use such information to market to you, without obtaining your opt-in consent. For example, we may offer you a product opportunity that requires us to share your Personal Information with non-affiliated third parties that may use such information to market to you. We will obtain your opt-in consent to such sharing of your Personal Information when we present you with the terms of such offer. If you have opted-in for this kind of sharing, then you may: (i) choose to opt-out of such sharing by contacting us at help@ribbonhome.com; or (ii) request certain information regarding our disclosure of such information to such non-affiliated third parties by contacting us at help@ribbonhome.com.

Your Choices

If you would like to opt-out of Achieve’s sharing of your Information with its affiliates so that such affiliates can use your Information to market to you, please contact us at help@ribbonhome.com.

If you would like to opt-out of Achieve’s sharing of information about your creditworthiness with its affiliates for such affiliates’ everyday business purposes, please contact us at help@ribbonhome.com.

How We Protect Your Information

We take commercially reasonable steps to protect the Information from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. We maintain physical, electronic, and procedural safeguards that comply with applicable state and federal laws and regulations to guard non-public personal financial information from unauthorized access, use, and disclosure. Please understand, however, that no security system is impenetrable. We cannot guarantee the security of our databases, nor can we guarantee that the Information you supply will not be intercepted while being transmitted to and from us over the Internet.

Achieve shall comply with all Applicable Laws, including, without limitation, the Gramm-Leach-Bliley Act, California Civil Code § 1785.20.2 (if applicable), and all Applicable Laws relating to data privacy, data security, international communications, communications decency, and the importation and exportation of materials and data.

Accessing and Modifying Personal Information and Communication Preferences

If you have registered for the Site by filling out an Application, you may access, review, and make changes to your Personal Information by following the instructions found on the Site. In addition, you may manage your receipt of marketing and non-transactional communications by clicking on the “unsubscribe” link located on the bottom of any Achieve marketing email. Applicants cannot opt out of receiving transactional e-mails related to their account. We will use commercially reasonable efforts to process such requests in a timely manner. You should be aware, however, that it is not always possible to completely remove or modify information in our databases.

Important Notice to Non-U.S. Residents

The Site and our servers are operated in the United States. Please be aware that your Information may be transferred to, processed, maintained, and used on computers, servers, and systems located outside of your state, province, country, or other governmental jurisdiction where the privacy laws may not be as protective as those in your country of origin. If you are located outside the United States and choose to use the Site, you do so at your own risk.

Children

We do not knowingly collect Personal Information from children under the age of 13 through the Site. If you are under 13, please do not give us any Personal Information. We encourage parents and legal guardians to monitor their children’s Internet usage and to help enforce our Privacy Policy by instructing their children to never provide Personal Information through the Site without their permission. If you have reason to believe that a child under the age of 13 has provided Personal Information to us, please contact us, and we will endeavor to delete that information from our databases.

California Residents

Under California Civil Code Section 1798.83, California residents who have an established business relationship with Achieve may choose to opt out of our sharing your Personal Information with third parties for direct marketing purposes. If you are a California resident and (1) you wish to opt out; or (2) you wish to request certain information regarding our disclosure of your Personal Information to third parties for the direct marketing purposes, please send an e-mail to help@ribbonhome.com.

In addition, Achieve does not monitor, recognize, or honor any opt-out or do not track mechanisms, including general web browser “Do Not Track” settings and/or signals.

External Websites

The Site may contain links to third-party websites. Achieve has no control over the privacy practices or the content of any of our business partners, advertisers, sponsors, or other websites to which we provide links. As such, we are not responsible for the content or the privacy policies of those third-party websites. You should check the applicable third-party privacy policy and terms of use when visiting any other websites.

Changes to This Privacy Policy

This Privacy Policy is effective as of the date stated at the top of this Privacy Policy. We may change this Privacy Policy from time to time, and will post any changes on the Site as soon as they go into effect. By accessing visiting the Website or using the Site after we make any such changes to this Privacy Policy, you are deemed to have accepted such changes. Please refer back to this Privacy Policy on a regular basis.

How to Contact Us

If you have questions about this Privacy Policy, please e-mail us at help@ribbonhome.com.