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APPLICABLE TO USERS WHO APPLY OR SIGN UP FOR A CHEXOLOGY ACCOUNT (I.E. CHEXOLOGY CLIENTS)

Last updated: January 31, 2025

The Privacy Policy describes the information Chexology, LLC and our affiliates (collectively, “Chexology,” “we,” and “us”) collect when a person or business (“you,” “your”) applies or signs up for a Chexology account.

Scope and Consent

By applying or signing up for a Chexology account, including through a computer or mobile device (“device”), you accept the terms of this Privacy Policy and consent to our collection, use, disclosure and retention of your information as described herein (including to contact you), and for all other purposes permitted under applicable personal information privacy statutes, anti-spam legislation, and consumer protection laws.

Amendment

We may amend this Privacy Policy from time to time by posting a revised version and updating the “Last updated” date above. The revised version will be effective at the time we post it. If those changes are material, we will notify you prior to their taking effect. We encourage you to review this Privacy Policy whenever you use our Services to stay informed about our information practices and to contact us if you have any questions about these changes. Your continued use of our Services constitutes your acceptance of any amendment of this Privacy Policy.

Collection of Information

Our Services can be used by a broad range of industries in connection with their products, services, activities and administrative functions. Accordingly, a broad range of information may be uploaded to or sent through our Services. We use this information for a variety of purposes, including fulfilling our Agreement with you, providing you the Services you request, communicating with you, complying with legal obligations, and ensuring the safety and security of our Services.

Information You Provide

We collect information you provide when you apply or sign up for a Chexology account. We collect information about you, including:

your name, username and password;
email address and phone number;
your payment and delivery details, including billing and delivery addresses and credit card details, where you make purchases from us;
your company name.

We also collect information you upload to or send through our Services, including:

Information about the types of items you store or lend (including item types, pricing, currency, and other data);
Information you provide about you or your business (including business name, properties, hours of operation, timezone, event schedules, staffing availability, and employee contact data).

We also collect information you provide when you participate in promotions offered by Chexology or our partners, respond to our surveys, or otherwise communicate with us.

Information We Collect from Your Use of our Services

We collect information about you when you use our Services, including:

Transaction Information. When you use our Services to make, accept, request or record bailment or rental transactions, we collect information about when and where the transactions occur, the names of the transacting parties, a description of the transactions, the payment amounts, billing and shipping information, and the devices and payment methods used to complete the transactions.
Location Information. Through our applications, we collect information about the location of your device.
Device Information. We collect specific information about your device when you access our Services, including your hardware model, operating system and version, unique device identifier, mobile network information, and information about the device’s interaction with our Services.
Use Information. We collect information about how you use our Services, including your access time, browser type and language, and Internet Protocol (“IP”) address.
Information Collected by Cookies and Web Beacons. Digital cookies and similar technologies help us make our Services better to use by doing things like recognizing when you’ve logged in and analyzing how you use our Services so we can make them more useful to you. A “cookie” is a text file that websites send to a visitor’s computer or other internet-connected device to uniquely identify the visitor’s browser or to store information or settings in the browser. A “web beacon,” also known as an internet tag, pixel tag, or clear GIF, is a tiny graphic image that may be used in our websites or emails. Certain cookies last only for the duration of your web or application session and expire when you close your browser or exit the application. Other cookies are used to remember you when you return to use the Services and, as such, will last longer.

Information We Collect from Other Sources

Sometimes, we receive information about you from third parties, such as conference organizers or companies who help us fix incomplete contact information. We may also obtain information about you from other third-party services and organizations to enhance your experience.

Third-Party Advertising and Analytics

We may allow third-party service providers to deliver content and advertisements in connection with our Services and to provide anonymous site metrics and other analytics services. These third parties may use cookies, web beacons, and other technologies to collect information, such as your IP address, identifiers associated with your device, other applications on your device, the browsers you use to access our Services, webpages viewed, time spent on webpages, links clicked, and conversion information (e.g., transactions entered into). This information may be used by Chexology and third-party service providers on behalf of Chexology to analyze and track usage of our Services, determine the popularity of certain content, deliver advertising and content targeted to your interests, and better understand how you use our Services. The third-party service providers that we engage are bound by confidentiality obligations and other restrictions with respect to their use and collection of your information.

This Privacy Policy does not apply to, and we are not responsible for, third-party cookies, web beacons, or other tracking technologies, which are covered by such third parties’ privacy policies. For more information, we encourage you to check the privacy policies of these third parties to learn about their privacy practices.

Use of Information

We may use information about you to provide, maintain, and improve our Services, such as:

Processing or recording bailment or rental transactions;
Displaying historical bailment or rental transaction information;
Processing or recording payments for the Services;
Developing new products and Services; and
Delivering the information and support you request, including technical notices, security alerts, and support and administrative messages.

We may use your information to improve, personalize, and enhance your experience with our Services. This includes optimizing the design, content, and functionality of our applications and websites, as well as analyzing trends and usage patterns to refine our offerings.

We may also use your information to send updates, conduct surveys, and gather feedback about our Services. Where permitted by law, we may also communicate with you about products, services, promotions, discounts, incentives, and rewards offered by us and select partners.

Additionally, we also may contact you to resolve disputes, collect fees, and provide assistance for problems with our Services or your Chexology account.

We may use information about you:

To protect our rights or property, or the security or integrity of our Services;
To enforce the terms of our General Terms or other applicable agreements or policies;
To verify your identity;
To investigate, detect, and prevent fraud, security breaches, and other potentially prohibited or illegal activities;
To comply with any applicable law, regulation, legal process, or governmental request;
For any other purpose disclosed to you in connection with our Services.

We may, and we may use third-party service providers to, process and store your information in the United States and other countries.

Sharing of Information

We may share information about you as follows:

With any applicable group companies, including our parent company, Chexology, LLC, and other affiliates, for the purposes outlined above;
With third parties to provide, maintain, and improve our Services, including service providers who access information about you to perform services on our behalf (e.g., notification delivery, fraud prevention, identity verification, and fee collection services), as well as financial institutions, payment networks, payment card associations, and other entities in connection with the payment or money transfer process;
With other users of our Services with whom you interact through your own use of our Services. For example, we may share information when you exchange an item using our Services;
In connection with, or during the negotiation of, any merger, sale of company stock or assets, financing, acquisition, divestiture, or dissolution of all or a portion of our business;
If we believe that disclosure is reasonably necessary (i) to comply with any applicable law, regulation, legal process or governmental request, (ii) to enforce or comply with the terms of our General Terms or other applicable agreements or policies, (iii) to protect our rights or property, or the security or integrity of our Services, or (iv) to protect us, users of our Services or the public from harm or potentially prohibited or illegal activities; or
With your consent.

We also may share aggregated information with third parties that does not specifically identify you or any individual user of our Services.

Your Choices

Personal Information

You may access, change, or correct information about you by logging into your Chexology account at any time or by making a request to us using the contact details below, in which case we may need to verify your identity before granting access or otherwise changing or correcting your information.

Deactivating Your Account

If you wish to deactivate your Chexology account, you may do so by emailing us using the contact details provided below. Chexology generally retains information about you only as long as reasonably necessary to provide you the Services. However, even after you deactivate your Chexology account, we may retain archived copies of information about you and any transactions or Services in which you may have participated for a period of time that is consistent with applicable law, or as we believe is reasonably necessary to comply with applicable law, regulation, legal process, or governmental request, to prevent fraud, to collect fees owed, to resolve disputes, to address problems with our Services, to assist with investigations, to enforce our General Terms or other applicable agreements or policies, or to take any other actions consistent with applicable law.

Most web and mobile device browsers are set to automatically accept cookies by default. However, you can change your browser settings to prevent automatic acceptance of cookies, or to notify you each time a cookie is set.

Do Not Track

Some browsers support a “Do Not Track” feature, which is intended to be a signal to websites that you do not wish to be tracked across different websites you visit. We currently do not respond to DNT signals. We may continue to collect information in the manner described in this Privacy Policy from web browsers that have enabled DNT signals or similar mechanisms.

Promotional Communications

You may opt out of receiving promotional messages from Chexology by following the instructions in those messages or by changing your notification settings by logging into your Chexology account. If you decide to opt out, we may still send you non-promotional communications, such as digital receipts and messages about your account or our ongoing business relations.

California Privacy Rights

California law permits residents of California to request certain details about information we disclose to third parties for direct marketing purposes. If you are a California resident and would like to request this information, please email us using the contact details provided below.

Security

We take reasonable measures, including administrative, technical, and physical safeguards, to protect your information from loss, theft, and misuse, and unauthorized access, disclosure, alteration, and destruction. Nevertheless, the internet is not a 100% secure environment, and we cannot guarantee absolute security of the transmission or storage of your information. We restrict access to personal information to those Chexology employees, contractors, and agents who need to know that information in order to transmit, store, or process it, who are subject to contractual confidentiality obligations consistent with this Privacy Policy, and who may be disciplined or terminated if they fail to meet these obligations. Our third-party service providers store and transmit personal information in compliance with this Policy and other appropriate confidentiality and security measures.

In the event that any information in our possession or under our control is compromised as a result of a security breach, we will take reasonable steps to investigate the situation and, where appropriate, notify those individuals whose information may have been compromised and take other steps in accordance with applicable laws or regulations.

Contact

Please contact our Privacy Department with any questions or concerns regarding this Privacy Policy.

Chexology LLC

PO Box 234550

Great Neck, NY 11023

privacy@chexology.com

We may request additional details from you regarding your concerns and may need to engage or consult with other parties in order to investigate and address your issue. We will keep records of your request and any resolution.