Privacy Policy

Table of Contents

To review a specific section of this Privacy Policy, you may click on the links below.

• Types of Personal Information that We Collect
• How We Collect Your Personal Information
• Third-Party Data Collection
• How We Use and Share Information
• How We Protect Your Personal Information
• Children's Privacy
• Additional State Privacy Disclosures
• Your Privacy Rights (Applicable to All U.S. Consumers)
• Use of Artificial Intelligence (AI) Tools
• Applicable Law
• Updates to this Privacy Policy
• Contact Us

Types of Personal Information that We Collect

Through your use of our Site and Services, we may collect Personal Information, which is defined as information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household. The Personal Information that we collect will depend on your interactions with us, and may include, among other items:

• Contact Information: Name, address, home and mobile telephone numbers, email address;
• Social Security Number;
• Account Information: Login credentials and other information regarding the status of your account;
• Biographical Information: Household data, preferences, and demographic information (e.g., date of birth, gender, marital status);
• Communications Information: Correspondence, reviews, and feedback that you may provide to us or post on our Site;
• Usage Information: Information such as which of our web pages or mobile pages you access, the frequency of access, and what you click on while on our Site.
• Location Information: Information about your actual location which may be determined from your IP address and other sensors that may reveal information on nearby devices, Wi-Fi access points, and cell towers.
• Device Information: Information about the device you are using such as hardware model, operating system, application version number, browser, and IP addresses.
• Mobile Device Information: In addition to the device Information listed above, when you access our Site or Services via a browser on your mobile device or through the use of our mobile application, we may also collect mobile network information including phone number, the unique device identifier assigned to that device, mobile carrier, operating system, and other device attributes.

How We Collect Your Personal Information

Information Provided by You or Others

If you express interest in one of the products or services available through our Site, we may collect contact information, which we will use to contact you. Also, we may collect Personal Information about you from third-party sources and combine it with information you provide to us.

If you contact us, tell us your story, or otherwise provide us with information about yourself, we will maintain records of your correspondence. This may include any questions, comments, or suggestions. You may also provide us with the email addresses of your contacts and include a personal message to your contacts if you choose to participate in our referral program, if available.

If you use our mobile application, we may ask for your permission to access certain information and features on your device, including your camera and photos. You may also enable identity verification through your device's fingerprint or face detection feature, in which case you will provide your fingerprint or present your face to your device. We do not collect your fingerprint or facial information.

For certain products and services available through our Site, you may decide to provide us with additional Personal Information, including but not limited to information such as your partner's name, phone number and email. For some products, you can enter bill reminders and add your bank or financial account information for payment purposes.

If you provide us with access to third-party sites on your behalf, such as your bank account, we'll be able to access your Personal Information and financial information maintained by such third-party sites, including account numbers, account balances and payment information.

Information Provided by Your Device or Browser

We may collect and store your location information if you enable your mobile device to send it to us. Certain features of the products and services available through our Site, including fraud detection and card locking features, may not be available if you do not enable this collection. In addition, we may automatically collect Usage, Location, Device, and Mobile Device Information as you use our Site and Services.

Information Provided Through the Use of Cookies and Similar Technologies

A cookie is a small text file that is stored on a user's computer for record-keeping purposes. We (or our third-party partners) use cookies and similar data collection technologies as described in this section.

• Session Cookies: We use session cookies to make it easier for you to navigate our Site. The session ID cookie expires 24 hours after you sign in to our Site.
• Persistent Cookies: We use persistent cookies that remain on your hard drive for an extended period of time. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our Site and provide interest-based advertising as described below. You can remove persistent cookies by following directions provided in your Internet browser's “help” file.

If you reject cookies, you may still use our Site, but your ability to use some areas of our Site may be limited. For example, you cannot create an account with us or use a product without accepting cookies.

We may use a software technology called tracking pixels (a.k.a. web beacons or clear gifs) that help us better manage content on our Site by informing us what content is most effective. Tracking pixels are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user's computer hard drive, tracking pixels are embedded on Web pages.

We may also use other website or mobile tracking technologies, such as device fingerprinting, to identify you and keep track of your preferences, prevent fraudulent activity or improve Site security, assess the performance of the Site, and deliver content and advertising to you based on your interests on our site and third-party sites.

Mission Lane does not track its customers over time and across third party websites to provide targeted advertising. As such, this Site does not respond to browser “Do Not Track” signals.

Deidentified and Aggregate Information

We may gather deidentified or aggregated information about users of our Site, and this may include information obtained from you. Aggregated information does not directly identify a specific person, but it may be derived from your Personal Information. We may also remove identifiers from data to create deidentified information that does not identify a specific person.

Third-Party Data Collection

Some content or applications on the Site may be provided by third parties, including advertisers, ad networks and servers, analytics companies, and application providers. These third parties may use cookies, web beacons, pixels or other technologies to collect information when you use our Site. The information they collect may be associated with your Personal Information or they may collect information, including Personal Information, about your online activities over time and across different websites and other online services. These third parties have their own privacy policies that govern how they process information about you.

Interest-based Advertising

Third parties may collect and use information on the Site for interest-based advertising, which is designed to be more relevant to you based on data collected on our Site and unrelated online properties over time. You can visit the Digital Advertising Alliance (“DAA”) Web Choices from your browser or download the AppChoices app onto your device to opt out of interest-based advertising from companies participating in the DAA industry self-regulatory program.

Please note that you should exercise your right to opt out on each browser or device separately. If you opt out, you will still receive advertising, but it may be less relevant to you. Third parties may continue to collect, use, and transfer information for purposes other than interest-based advertising. Some of these third parties may provide you with other ways to choose not to have your information collected or used for targeted advertising.

Analytics and Other Purposes

Additionally, we may retain third parties to collect information for analytics and other non-advertising purposes, such as improving user experience, when you use our Site. These third parties may use cookies or other technologies to perform these services. The information they collect may be associated with your Personal Information or they may collect information, including Personal Information, about your online activities over time and across different websites and other online services.

How We Use and Share Information

We use Personal Information we collect to operate and improve our business, such as in the following ways:

• Fulfill Your Requests: We use Personal Information to fulfill requests you submit to us or through us.
• Communicate: We use Personal Information to communicate with you about our Site, our Services, and products and services offered through the Site. This may include marketing or notification of important changes to our Site and Services. These communications may be delivered through push notifications if you have enabled that feature, or by phone call, text message, or email message.
• Specific Purposes: You may be asked to provide information for a specific purpose. For example, if you participate in a referral program, you will be asked for information about your contacts.
• Customer Support: We may use your Personal Information to provide you support or other services you have ordered. For example, we may need your information in order to provide you with technical support.
• Feedback: If you choose to tell us your story, provide feedback or endorsement, or otherwise give a testimonial, we will review such information and may post that information on our Site or in other business materials, along with your name, city and state, and any other Personal Information that you choose to disclose. By sharing your opinion, you consent to us posting any information and content, including video content, you provide on our Site. If you submit or share your opinion, you may revoke such consent at any time by calling 1-855-790-8860.
• Site Maintenance: We analyze how our users interact with our Site and Services in order to maintain and improve our Site and Services. We also use information that we collect to diagnose any problems with our Site or Services to improve the user experience.

We share Personal Information with third parties as described below:

• Other Account Holders: You may choose to share your Personal Information with other account holders, such as family members, through the Site. If you do so, such account holders may import and view your Personal Information. Mission Lane is not responsible for any consequences of any use or disclosure of your Personal Information by you or any third party with whom you share your Personal Information.
• Service Providers: We may share information with service providers that help us perform functions and process your transactions.
• Affiliates: We may share information with our parent company Mission Lane Holdings Inc., our affiliates, joint ventures, or other companies under common control with us.
• Other Companies: We may share information with other companies in order to market products to you, to process and service transactions you have requested, and for analyzing our business.
• Changes to Corporate Structure: We may share information in connection with a merger, acquisition, consolidation, change of control, or sale of all or a portion of our assets or if we undergo bankruptcy or liquidation.
• To Prevent Harm: We may share information if we believe it is necessary to detect, investigate, prevent, or take action against illegal activities, fraud, or situations involving potential threats to us or to the rights, property, or personal safety of any other person.
• As Required by Law or to Protect Our Rights: We will share information where we are legally required to do so, such as in response to court orders or legal process; to establish, protect, or exercise our legal rights; to defend against legal claims or demands; or to comply with requirements of mandatory applicable law.
• With your Consent: We may request your permission to share your Personal Information for a specific purpose. We will notify you and request consent before you provide the Personal Information or before the Personal Information you have already provided is shared for such purpose.
• Without Identifying You: We may share information in a manner that does not identify you. For example, we may share anonymous and/or aggregate information about your use of our Site, services offered through our Site, and products at our discretion.
• Social Features: Some parts of the Site allow you to participate in public forums or interact with other users. When you participate in these features, the information that you provide will be available to other Site users and/or the general public.

Where permitted by law, we may share information for other reasons we may describe to you at the time of collection or sharing.

Correcting and Updating Personal Information

If your Personal Information changes you may correct or update certain Personal Information by contacting us at: 1-855-790-8860 or [email protected]. If you have a Mission Lane Credit Card account and your account is in good standing, you may also correct or update certain Personal Information by signing into your account on our Site and updating your information there.

How We Protect Your Personal Information

The security of your Personal Information is important to us. We maintain physical, technical, and administrative security measures reasonably designed to protect and limit access to your Personal Information. No method of transmission over the Internet, or method of electronic storage, is 100% secure; therefore, while we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.

Third-Party Websites and Tools

The Site and Applications (“Apps”) may contain links to or links from third-party sites that are not owned or controlled by Mission Lane, its parent company or affiliates.

The Site and Apps may also include integrated social media tools or “plug-ins,” such as social networking tools offered by third parties. If you use these tools to share Personal Information or you otherwise interact with social media features on the Service, those social media companies may collect Personal Information about you and may use and share such Personal Information in accordance with your account settings, including by sharing such Personal Information with the general public.

We do not control the content, privacy policies, or practices of any third-party site or tool. You are subject to the policies of those third parties where applicable, and we encourage you to review their privacy policies to learn about their practices.

Additional State Privacy Disclosures

These disclosures supplement the information contained above in this Privacy Policy by providing additional information about our data processing practices relating to residents of certain states in the United States.

Personal Information We Collect and Disclose for a Business Purpose

We collect the categories of Personal Information about consumers identified below. As further set forth below, in the past 12 months, we have disclosed consumers' Personal Information to third parties only for legally allowed business or commercial purposes.

Category #1 - Personal, demographic/protected class information; professional /employment and education information; and online identifiers (such as first and last name, email address, or unique online identifiers)

• Collected in the last 12 months: yes
• Categories of sources from which information is collected: directly from consumers; advertising/marketing companies; advertising networks; data analytics providers
• Business or commercial purposes for collection, use, and sharing: marketing; advertising; authentication; fraud prevention activities; auditing related to our interactions with consumers; legal compliance; detecting and protecting against security incidents, fraud, and illegal activity; debugging; to maintain and improve our services; internal research for technological improvement; internal operations; other one-time uses
• Disclosed to the following categories of third parties: affiliates; business partners; service providers; third parties with whom you have authorized or directed us to share your information; advertising/marketing companies; advertising networks; internet service providers; data analytics providers; website hosts; government entities and other third parties for legal or necessary purposes

Category #2: Internet or other electronic network activity information (such as browsing history, search history, interactions with a website, email, application, or advertisement)

• Collected in the last 12 months: yes
• Categories of sources from which information is collected: directly from consumers; advertising/marketing companies; advertising networks; data analytics providers
• Business or commercial purposes for collection, use, and sharing: marketing; advertising; authentication; fraud prevention activities; auditing related to our interactions with consumers; legal compliance; detecting and protecting against security incidents, fraud, and illegal activity; debugging; to maintain and improve our services; internal research for technological improvement; internal operations; other one-time uses
• Disclosed to the following categories of third parties: affiliates; business partners; service providers; third parties with whom you have authorized or directed us to share your information; advertising/marketing companies; advertising networks; internet service providers; data analytics providers; website hosts; government entities and other third parties for legal or necessary purposes

Category #3: Biometric information (specifically, call recordings)

• Collected in the last 12 months: yes
• Categories of sources from which information is collected: directly from consumers
• Business or commercial purposes for collection, use, and sharing: auditing related to our interactions with consumers; legal compliance; detecting and protecting against security incidents, fraud, and illegal activity; internal operations.
• Disclosed to the following categories of third parties: affiliates; business partners; service providers; third parties with whom you have authorized or directed us to share your information; service provider; government entities and other third parties for legal or necessary purposes

Category #4: Geolocation information (general location derived from IP address)

• Collected in the last 12 months: yes
• Categories of sources from which information is collected: directly from consumers; advertising/marketing companies; advertising networks; data analytics providers
• Business or commercial purposes for collection, use, and sharing: marketing; advertising; authentication; fraud prevention activities; auditing related to our interactions with consumers; legal compliance; detecting and protecting against security incidents, fraud, and illegal activity; debugging; to maintain and improve our services; internal research for technological improvement; internal operations; other one-time uses
• Disclosed to the following categories of third parties: affiliates; business partners; service providers; third parties with whom you have authorized or directed us to share your information; advertising/marketing companies; advertising networks; internet service providers; data analytics providers; website hosts; government entities and other third parties for legal or necessary purposes

Category #5: Inferences drawn from the above information about your predicted characteristics and preferences

• Collected in the last 12 months: yes
• Categories of sources from which information is collected: advertising/marketing companies; advertising networks; data analytics providers
• Business or commercial purposes for collection, use, and sharing: marketing; advertising; legal compliance; detecting and protecting against security incidents, fraud, and illegal activity; to maintain and improve our services; internal research for technological improvement; internal operations; other one-time uses
• Disclosed to the following categories of third parties: affiliates; business partners; service providers; third parties with whom you have authorized or directed us to share your information; advertising/marketing companies; advertising networks; data analytics providers; government entities and other third parties for legal purposes.

We note that much of the information that Mission Lane collects is exempt from general state privacy laws because it is protected under other federal and/or state financial privacy laws, such as information collected in connection with facilitating financial products or financial services.

No Sales of Minors' Personal Information

We do not sell the Personal Information of any individuals, specifically including those we know are minors under 16 years of age.

Data Retention

The Personal Information we collect will be retained for as long as necessary to satisfy the purposes for which it was collected and our legal obligations. As described above, these purposes include our business operations as well as complying with reporting, legal and accounting obligations. In determining how long to retain information, we consider the amount, nature and sensitivity of the information, the potential risk of harm from unauthorized use or disclosure of the Personal Information, the purposes for which we process the Personal Information and whether we can achieve those purposes in other ways, the applicable legal requirements, and our legitimate interests. When Personal Information is deemed to be no longer required to fulfill the purposes for which it was collected, we will securely destroy your Personal Information in accordance with our document retention policy and applicable laws and regulations.

Your Privacy Rights (Applicable to All U.S. Consumers)

Mission Lane is committed to providing all consumers across all 50 states with the highest level of privacy protections and related services. Regardless of where you reside, you are entitled to the following rights regarding your Personal Information:

• The right to know the categories and specific pieces of Personal Information we collect, use, and disclose about you.
• The right to access and obtain a copy of your Personal Information in a readily usable format that allows you to transmit the data to another entity without hindrance.
• The right to correct inaccurate Personal Information.
• The right to request deletion of Personal Information we have collected about you, subject to legal and contractual obligations.
• The right to opt out of the sale of your Personal Information to third parties; Mission Lane does not engage in this practice.
• The right to restrict or opt out of the use of your Personal Information for targeted advertising across websites; Mission Lane does not engage in this practice.
• The right to limit our use of sensitive Personal Information; Mission Lane will obtain your consent before processing sensitive data.

To exercise any of these rights, please contact us through our Privacy Request Form, by calling 1-855-790-8860, or emailing [email protected]. We will respond to all verified consumer requests within 45 days (with a possible extension of up to 45 additional days when necessary).

Upon submission of an eligible request, you will receive an initial response confirming receipt within 10 days. A full response will be provided within 45 days (unless an extension of up to 45 additional days is needed upon which you will receive notice and an explanation for the extension).

You also have the right to not receive retaliatory or discriminatory treatment in connection with a request to exercise the above rights. However, the exercise of the rights described above may result in a different price, rate or quality level of product or service where that difference is reasonably related to the impact the right has on our relationship or is otherwise permitted by law.

Note: Please keep in mind that federal and state legal exemptions may apply to these requests. For example, Mission Lane cannot delete data provided by a client to service an active (or recently active) account, because such data is still needed to provide the product or service and/or meet legal retention requirements.

Verification Process and Required Information

We may need to request additional information from you to verify your identity or understand the scope of your request, although you will not be required to create an account with us to submit a request or have it fulfilled. Information submitted for verification purposes will only be used to verify your identity.

Authorized Agent. In certain circumstances, you are permitted to use an authorized agent to submit requests on your behalf through the designated methods set forth above where we can verify the authorized agent's authority to act on your behalf. In order to verify the authorized agent's authority, we generally require evidence of either (i) a valid power of attorney or (ii) a signed letter containing your name and contact information, the name and contact information of the authorized agent, and a statement of authorization for the request. Depending on the evidence provided and your state of residency, we may still need to separately reach out to you to confirm the authorized agent has permission to act on your behalf and to verify your identity in connection with the request. You may designate an authorized agent to make a request on your behalf by completing the Privacy Request Form and also submitting the Authorized Agent Designation.

Appealing Privacy Rights Decisions

Depending on your state of residency, you may be able to appeal a decision we have made in connection with your privacy rights request. All appeal requests should be submitted by replying to the communication resolving your original request.

Use of Artificial Intelligence (AI) Tools

Mission Lane may use artificial intelligence (“AI”) and automated decision-making tools in connection with certain aspects of our Services, including, but not limited to, fraud detection, risk assessment, identity verification, and customer support. We use these technologies to improve accuracy, efficiency, and security in the financial services we provide. When AI tools are used, we ensure that they are subject to rigorous testing, monitoring, and governance to protect fairness, transparency, and accountability. Consumers have the right to request more information about how AI tools may affect them, and we encourage you to contact us with any concerns regarding our use of AI.

Applicable Law

This is a United States-based Site that is subject to United States law. This Site is controlled, operated, and administered by Mission Lane from its offices within the United States of America. This Privacy Policy is provided in accordance with and subject to applicable U.S. law. If you are accessing this Site from a location outside the United States, you hereby understand that your use of this Site and our collection and use of your Personal Information is subject to this Privacy Policy.

Updates to this Privacy Policy

We reserve the right to modify this Privacy Policy at any time, so please review it periodically. The date the Privacy Policy was last revised is identified at the top of the page. If we decide to make material changes to this Privacy Policy, we will post those changes to this Site in a manner that is conspicuous and appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. You agree to these future updates by continuing to use our Site or Services after they have been posted. You can always obtain a copy of the most updated Privacy Policy by calling 1-855-790-8860.