Updated October 7, 2023
This Privacy Policy (the “Policy”) applies to www.creditkey.com and any sub-domains or portals related thereto (the “Website”), which is owned and operated by Snap Credit, Inc. d/b/a/ Credit Key (“Credit Key,” “Us,” or We”). The Website facilitates our business loan products and related services (collectively “Services”). This Privacy Policy describes how Credit Key collects and uses the personal information you provide (directly or through third parties), or which is automatically generated, when you interact with the Website or use our Services.
Through its “Pay in 4” service, Credit Key helps suppliers of goods or services (“Merchants”) offer credit terms to businesses purchasing those goods or services (“Customers”). “Customer” also includes any lending customer of Credit Key. Each Merchant, Customer, visitor of the Website and user of the Services shall be referred to herein as “you” or “User”.
This Policy also describes the choices available to you regarding our use of your personal information and how you can access and update such information. For purposes of this Policy, “Personal Information” means information that personally identifies you, including your contact information, IP address, and loan application information. A large portion of the Personal Information we collect, use, share, and store is sensitive in nature, including your social security number and financial account information (“Sensitive Personal Information”).
All business loans and lines of credit issued by Lead Bank, a Missouri State Chartered Community Bank, Member FDIC, are also subject to Lead Bank’s Privacy Policy. Credit Key is not responsible for the privacy practices of Lead Bank, which maintains their own Privacy Policy located at https://lead.bank/privacy-and-terms. By applying for a loan or line of credit, providing any Personal Information via this Website or otherwise using this Website, you confirm that you have received and read the Lead Bank privacy policy and consent to the privacy practices disclosed therein.
WHEN YOU ACCESS OR USE THE WEBSITE OR THE SERVICES, OR OTHERWISE PROVIDE ANY INFORMATION TO US, YOU AGREE TO THIS POLICY, INCLUDING THE MANNER IN WHICH WE USE YOUR INFORMATION, WHETHER OR NOT YOU HAVE AN ACCOUNT WITH CREDIT KEY. IF YOU DO NOT AGREE TO THIS POLICY, OR TO ANY CHANGES WE SUBSEQUENTLY MAKE TO THIS POLICY, YOU MUST IMMEDIATELY STOP USING THE SITE OR OTHERWISE PROVIDING ANY INFORMATION TO US.
This Policy shall not be construed in any manner to derogate from the terms and conditions of the Website, or any other agreement or understanding between Credit Key and you.This Policy shall not be construed in any manner to derogate from the terms and conditions of the Website, or any other agreement or understanding between Credit Key and you.
We focus exclusively on business-to-business transactions. As such, the Customers of our Merchants are normally businesses, and so the data we process is mostly that of companies rather than individuals. Some notable exceptions are when we process information regarding:
We collect both Personal Information and Non-Personal Information from you.
“Personal Information” means any information about an identifiable individual or that identifies or can be used to identify a natural person, including, but not limited to, first and last name, phone number, email address, online identifiers, IP address, billing information, information concerning households, devices etc.
“Non-Personal Information”, means non-identifiable aggregated data, such as technical data transmitted by the user’s device and aggregated use of the website. This data is not used to identify individuals.
We may collect the following information from you:
In addition to collecting information via our Website, we may also conduct a site visit to collect information, and obtain information and external data used by lenders to process applications and complete and manage transactions, e.g., from credit reporting agencies and other vendors, as well as from social media. Once you are a Credit Key customer, we may reach out to you for, or otherwise obtain, information if you decide to renew your loan or as otherwise needed to provide the Service.
We collect information that you provide us, from third parties, and automatically when you use the Website. We also collect information from cookies and other third party tools. We may also collect information about your location.
Information we get automatically from your use of the Website. Certain information is provided to us automatically from your use of the Website, including:
Information you provide to us directly. We may collect the following personal information:
In each case, we only collect as much information as is necessary or appropriate given the type of interaction. We do not disclose personally identifying information other than as described below. And you can always refuse to supply personally identifying information, with the caveat that it may prevent you from engaging in certain activities or from using the Website.
When we collect your personal information, we'll tell you how we're using it, any types of third parties to which we might disclose it, (other than "agents," such as vendors or contractors, who are only processing such information for us or at our direction), and the choices we offer you to limit the use of your information.
Notice will be provided in clear and conspicuous language when you are first asked to provide us with personal information, or as soon as practicable thereafter, and we will notify you before we use the information for something other than the purpose for which it was originally collected.
We may use the information we collect to:
Credit Key will share your Personal Information with third parties only in the ways that are described in this Privacy Policy or as required by law. We will not sell your Personal Information to third parties.
We may share personal information about you as follows:
We may also share aggregated or de-identified information, which cannot reasonably be used to identify you.
We will provide your Personal Information to our trusted business partners, service providers and subsidiaries and affiliates to provide services to help us with our business activities, such as offering customer service, processing credit checks or secure data storage, and other similar services. These companies are authorized to use your Personal Information only as necessary to provide these types of services to us. In addition, we may share your basic information (name, company name, phone number, email address and requested loan amount) with one of our business partners to market their services to you, provided, however, if you do not want us to share your Personal Information in these circumstances with these business partners, please contact us to opt out by email at support@creditkey.com or by mail at the contact information listed below.
In addition, we may also share Non-Personal Information for the same reasons as we provide Personal Information and for business partners and others to conduct analyses and research and track marketing or other performance.
Some of our pages utilize framing or white-labeling techniques to serve content from our partners while preserving the look and feel of our Website. For example, our Careers page utilizes white- labeling techniques. Please be aware that in these instances you are providing your Personal Information to these third parties and not to Credit Key.
If your Personal Information changes, or if you no longer desire our Service, you may correct, update, amend, delete/remove, ask to have it removed from a public forum or testimonial on our Website or deactivate it by emailing our Customer Support at support@creditkey.com or by contacting us by mail at the contact information listed below in the “Contact Us” section. We will respond to your request within 30 days.
We retain personal information as long as your account is active or as required to provide you with the Website. If you decide to delete your account with us or otherwise opt-out from receiving information from us, we will generally delete your personal information, except in certain circumstances such as retaining certain personal information in anonymized or aggregated form about your use of the Website to analyze and improve the Website. We may also retain your personal information in order to protect our legal rights, or those of third party, or to comply with the law. You can find out further information by contacting us support@creditkey.com or by contacting us by mail at the contact information listed below in the “Contact Us” section.
Credit Key and our partners (for example, our marketing partners), affiliates, or analytics or service providers, including our live chat, marketing trackers, and survey tool service providers use cookies or similar technologies. These technologies are used in analyzing trends, administering the Website, tracking users’ movements around the Website and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis. To learn more about your advertising choices relating to the collection and use of your information, please see the Opt-Out section below.
Cookies
A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We use cookies for user authentication and analytics. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our Website, but your ability to use some features or areas of our Website may be limited. If you would like to learn more about cookies or how to configure your browser, please visit www.allaboutcookies.org.
Log Files
As is true of most websites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you. We do this to improve services we offer you and to improve marketing, analytics, andWebsite functionality.
Behavioral Advertising/Re-Targeting
We partner with third parties to display advertising on our Website and manage our advertising on other sites. Our third-party partners may use technologies such as cookies to gather information about your activities on this Website and other sites in order to provide you advertising based upon your browsing activities and interests. If you wish to not have this information used for the purpose of serving you interest-based ads, you may contact us at support@creditkey.com. Please note this does not opt you out of being served advertisements. You may continue to receive generic advertisements.
Do Not Track (“DNT”) is a privacy preference that users can set in their web browsers. When a user turns on the DNT signal, the browser sends a message to the Website requesting them not to track the user. For information about Do Not Track, visit www.allaboutdnt.org . At this time, we do not recognize or respond to DNT browser settings or signals and we will still receive information. As a result, we may still collect information about you and your internet activity, even if you have turned on the DNT signal.
However, you can adjust your browser settings to restrict Cookies. Also, it is possible that some or all of our third-party advertising partners or members of their affiliate network may participate in a consumer opt-out programs.
Your Options
If you do not wish to have cookies placed on your computer, you should set your browser to refuse cookies, but should be aware that certain features of our Website may not function properly without them. Please review your web browser settings to find out more on how to disable cookies. You can also visit the Digital Advertising Alliance and the Network Advertising Initiative pages to opt-out of cookies.
Credit Key takes the security of your information very seriously. Your information is securely sent to Credit Key with encryption over the Transport Layer Security (TLS) protocol. This creates an encrypted connection between your browser and our servers. Thus, when you enter Sensitive Personal Information (such as a credit card number) on our order forms, we encrypt the transmission of that information.
If you allow Credit Key to see your banking information online rather than in paper form, it is on a read-only basis. We do not have access to change, edit, or modify bank account information in any way. Credit Key employees cannot view your banking username and passwords.
All records containing personal or financial information are considered to be our property and are afforded confidential treatment at all times. We work hard to protect against the unauthorized access, use, alteration or destruction of personal or financial information. All such electronic information is stored on restricted database servers, and is generally kept until such time as you may ask us to edit or delete it, as described below. We only disclose such information to our employees, contractors or affiliates that a) need to know that information in order to process it for us or to provide other services, and b) have agreed not to disclose it to others. All interactions with our Website use the Secure Sockets Layer (SSL) protocol and firewall network protection. We use a third-party, industry-accepted Payment Gateway to securely process credit card transactions.
Unfortunately, information transmitted through the Internet may not be perfectly secure, and we are unable to guarantee the security of your personal information. We encourage you to take steps to help protect the confidentiality and security of your account and personal information, including by doing the following:
To protect Credit Key’s customers from fraudulent transactions on the Website, all orders are subject to review and verification. As part of the verification process, an order may be temporarily placed on hold in order to verify credit card billing information, which may include contacting the credit card holder.
We will conduct internal audits of our compliance with this privacy policy, including an annual self-assessment. We will take all reasonable measures against any employee found to be in violation of this policy.
Credit Key, its suppliers, licensors, or the original creators of all materials on the Website own all copyrightable subject matter on the Website and all trademarks, patents, proprietary information, technologies, products, processes or other proprietary rights of Credit Key and/or such other parties. No license to or right in any such copyrights, trademarks, patents, proprietary information, technologies, products, processes and other proprietary rights of Credit Key and/or other parties is granted to or conferred upon you. In addition, direct linking, deep linking, framing, page-jacking, metatagging, and using a robot, spider, or automated device of any kind to monitor or copy the Website is strictly prohibited.
Notwithstanding the foregoing, Credit Key hereby authorizes you only to copy the content herein solely for your personal and private use in learning about, evaluating, or acquiring Credit Key products. Except where expressly noted, no other permission is granted to print, copy, reproduce, distribute, transmit, upload, download, store, display in public, alter, or modify the content contained on the Website. Any unauthorized use of any material contained on the Website may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. Any other use of materials on the Website, including reproduction for purposes other than those expressly permitted herein, modification, distribution, or republication, without prior written permission of Credit Key is strictly prohibited. Any copy made by you as permitted herein must retain all copyright and trademark notices, including any other proprietary notices, contained in the materials. The use of such materials on any other website or in any environment of networked computers is prohibited.
If you are outside the United States, any personally identifiable information you enter into the Website will be transferred out of your country and into the United States, and possibly to other countries. By using the Website, you consent to such transfer and are representing that you have the right to transfer such information outside your country. The laws that apply to the use and protection of personal information in the United States or other countries or jurisdictions in which we transfer or process personal information may be different than the laws and protections in your country. If you are accessing our Website from the European Union or United Kingdom, we will comply with applicable data protection laws anytime that we transfer your personal information outside of the European Economic Area (EEA). Some of the ways we will do so are:
If you are accessing our Website from the European Union and United Kingdom, we must only process your personal information where we have a legal basis to do so. This means that one of the following must apply when we use your personal information:
We provide a number of choices about how you may control the use, collection and storage of your personal information, and want you to be aware of that you have all of the following rights regarding your personal information:
Contact details for data protection authorities in the EEA and Switzerland are available here. http://ec.europa.eu/newsroom/article29/item-detail.cfm?item_id=612080
You have the ability to correct, update, modify or delete your personal information by updating your information on the Website. Please note that some information may remain in our records even after you request deletion of your information. Additionally, there may be limits to the amount of information we can practically provide. For example, we may limit an individual's access to personal information where the burden or expense of providing access would be disproportionate to the risks to the individual's privacy or where doing so would violate others' rights.
Please contact us using the details below with any questions or requests in regards to any of the above.
We may amend this Policy from time to time by posting a revised version and updating the date in the Change Log below. In the event that we change this Policy to permit the collection and sharing of information with a non-agent third party, we will first give you the opportunity to explicitly consent (opt-in) to such disclosure or to any use of the information for a purpose other than the one for which it was originally collected or previously authorized.
ANY ACCESS OR USE OF THIS WEBSITE BY YOU AFTER NOTICE OF REVISIONS OR ADDITIONS TO THESE TERMS SHALL CONSTITUTE AND BE DEEMED TO BE YOUR ACCEPTANCE OF SUCH REVISIONS OR ADDITIONS.
Prior to providing agents with any personal information, we will obtain assurances that they will safeguard it in accordance with this policy. In the unlikely event that we should discover that an agent is using personal information in a way that conflicts with this Policy, we will take all reasonable steps to stop it immediately.
Additional Information
Links to 3rd Party Sites
In the event our Website contains hypertext links to websites that are not created or maintained by Credit Key, this Policy applies only to the Website and not to any of these third party websites.
Credit Key is not responsible for the accuracy, relevance, timeliness, or completeness of those third party websites. The inclusion of any link to such websites does not imply endorsement, sponsorship, or recommendation by Credit Key of the third party websites. Credit Key disclaims any liability for links (1) from another website to this Website, and (2) to another website from this Website. Credit Key cannot guarantee the standards of any website to which links are provided on this Website, nor shall Credit Key be held responsible for the contents of those websites, or any subsequent links. For this reason, Credit Key does not represent or warrant that the contents of any third party website is accurate, compliant with state or federal law, or compliant with copyright or other intellectual property laws. Credit Key does not endorse the contents of these third party websites in any way. Also, Credit Key is not responsible for web casting or any other form of transmission received from any linked website. Any reliance on the contents of a third party website is done at your own risk, and you assume all responsibilities and consequences resulting from such reliance.
Testimonials
We may display personal testimonials of satisfied customers on our Website in addition to other endorsements. With your consent, we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us by email at support@creditkey.com or by postal mail at the contact information listed below.
Social Media Widgets
Our Website may include social media features, such as the Facebook “Like” button. These features may collect your IP address, which pages you are visiting on our Website, and may set a cookie to enable the feature to function properly. Social media features and widgets are either hosted by a third party or hosted directly on our Website. Your interactions with these features are governed by the privacy policy of the company providing it.
Protecting Children’s Privacy Online
The Website is not directed to individuals under the age of eighteen (18). No one under the age of 18 may provide any personal information to or through the Website. We do not knowingly collect information from children under 18 without parental consent. If you are under 18, please do not use or provide any information to or through the Website. By using the Website and agreeing to this Policy, you represent and warrant that you are at least 18 years of age. Visit the Federal Trade Commission website for more information about the Children's Online Privacy Protection Act (COPPA).
Credit Key and our business partners may contact you to offer you products and services that may be of interest to you. You may opt out of these and other offers at any time. Out of respect for your privacy, you may choose to stop receiving our newsletter or marketing emails, telephone solicitations or other forms of contact from Credit Key and our trusted business partners by following the unsubscribe instructions included in these emails, accessing the email preferences in your account settings page or by contacting us by email at support@creditkey.com or by postal mail at to:
Snap Credit, Inc. d/b/a Credit Key 145 S Fairfax Ave
Los Angeles, CA 90036
If you are contacting us to opt-out of marketing communications, you must include your full name and email addresses and account number. Once we locate your contact information based on the information you provide us, it will be removed from our databases and mailings lists.
As of January 1, 2020, California residents are provided with specific rights regarding their personal information. This section describes further how we comply with the requirements of the California Consumer Privacy Act of 2018 (“CCPA”) and your rights under that law. Any capitalized terms used but not defined in this section shall have the meanings given to them in the CCPA.
California Civil Code Section 1798.83 permits customers who are California residents to request certain information regarding our disclosures of personal information to third parties for their direct marketing purposes. To make such a request, please write to us at the following address:
By Email: support@creditkey.com, Subject “Privacy Policy Question”
By Mail:
Snap Credit, Inc. d/b/a Credit Key 145 S Fairfax Ave
Los Angeles, CA 90036
Collection and Use of Personal Information: In the preceding 12 months, we have collected the following categories of personal information: identifiers, information subject to Cal. Civ. Code § 1798.80(e), characteristics of protected classifications under California or U.S. law, commercial information, Internet or other electronic network activity information, geolocation data, professional or employment-related information, audio, electronic, visual or similar information, inferences drawn about you and other categories of personal information that relate to, describe or are reasonably capable of being associated with you. For examples of the precise data points we collect and the sources from which we collect this personal information, please see “Ways We Collect Information” above.
Recipients of California Personal Information.
We may share your personal information with third parties as described in the “Sharing of Information” section above.
The CCPA has defined a “sale” to include any transfer of personal information by us to another entity for anything of value. Sale is defined very broadly in the CCPA and encompasses the “sharing” of your information with third parties. We do not sell your information for monetary gain, but we may share your information with third parties like Google and Facebook.
In the preceding 12 months, we have disclosed the following categories of personal information for business or commercial purposes to the following categories of recipients:
Categories of Sources: We collect this personal information from the following categories of sources:
Why We Use and Disclose California Information. We use and disclose the personal information we collect for our commercial and business purposes as further described in this Policy (see “Use of Information” above). These commercial and business purposes include, without limitation:
Your Rights and Choices
As applicable under the CCPA, from January 1, 2020, if you are a California resident, you may make requests to us as set out below. We will review all requests received and determine the extent to which and how to respond. We will not discriminate against any California resident who makes such requests.
Right to access/know
You may request from us a list of: (i) the categories and specific pieces of personal information we collect, use, disclose, and sell about you; (ii) the categories of sources from which we collected your personal information; (iii) our purposes for collecting or selling your personal information;
(iv) the categories of your personal information that we have either sold or disclosed for a business purpose; and (v) the categories of third parties with which we have shared personal information. In addition, for certain categories of personal information, you have the right to request a list of what personal information (if any) we disclosed to third parties for their own direct marketing purposes in the preceding calendar year and the names and addresses of those third parties.
Right to delete your personal information
You may request to delete your account and the personal information we have collected from you or maintain about you.
Right to opt-out from the sale of your personal information
You may request, at any time, to direct us to stop “selling” (for the purposes of the CCPA) your personal information. We do not sell the personal information of consumers we actually know are less than 16 years of age, unless we receive affirmative authorization (the "right to opt-in") from either the consumer who is at least 13 but not yet 16 years of age, or the parent or guardian of a consumer less than 13 years of age. Consumers who opt-in to personal information sales may opt- out of future sales at any time.
Right to Non-Discrimination
You have the right to not receive discriminatory treatment for the exercise of the privacy rights conferred by the CCPA. We may offer you certain financial incentives permitted by applicable law as compensation for allowing us to collect, sell, or maintain your personal information.
Making Requests
To exercise rights described above, please submit a verifiable consumer request to us by either:
Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child. You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:
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.
Making a verifiable consumer request does not require you to create an account with us.
We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.
You may also submit such requests through an authorized agent. To designate an authorized agent, please send us a notarized power of attorney / notarized letter authorizing said agent. Requests from agents that do not submit such proof that they have been authorized by you to act on their behalf will be denied.
California's "Shine the Light" law (Civil Code Section § 1798.83) permits users of our Website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to support@creditkey.com
If you have any questions or suggestions regarding this Policy, please contact us as follows:
By Email: support@creditkey.com
By Mail:
Snap Credit, Inc. d/b/a Credit Key 145 S Fairfax Ave
Los Angeles, CA 90036
