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APPLICABLE TO USERS WHO DO NOT APPLY OR SIGN UP FOR A CHEXOLOGY ACCOUNT (I.E. APP-USERS AND END-USERS)

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”) accesses or uses in any manner any Chexology application, product, service, feature, technology, content, or website (collectively, “Services”); or otherwise contacts or interacts with us.

Scope and Consent

By using our Services, 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.

This Privacy Policy applies to information we collect if you leave an article of personal property with a party using the Services, make a payment, request a digital receipt or otherwise interact with our Services, even if you have not applied for a Chexology account or downloaded one of our applications. However, this Privacy Policy does not describe the practices of other users of our Services, including Service Providers, or other third parties that may collect information from you when you interact with them through our Services, and we encourage you to ask them about their privacy practices before providing any information to them.

We may share personal information with third parties for third-party marketing purposes, as further described below. You can elect for us not to do so by emailing us using the contact details provided below.

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. 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.

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.

Without information about you, we may not be able to provide you with the Services, including digital receipts described below.

Information You Provide

We collect information you provide when you conduct a bailment transaction or request delivery of a digital receipt. 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:

Identification Information. We collect information about you and your personal property when you tender such personal property through a bailment transaction using the Services. Such information might be a photograph of you, a photograph of your personal property, andyour phone number.
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, and the devices and payment methods used to complete the transactions.
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 support the integrity of our bailment process, retain your preferences and account settings, and help evaluate and compile aggregated statistics about user activity. 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.

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 or 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 services 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 your usage of our Services.

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 transactions;
Displaying historical bailment or rental transaction information; and
Delivering the information and support you request, including digital receipts and bailment information.

We may 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.

We may use information about you:

To protect our rights or property, or the security or integrity of our Services;
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.

Digital Receipts or Digital Claim Tickets

If you choose to receive receipts via email or text message, we store the email address or phone number you provide. We use your email address or phone number to send you information about your bailment transaction, to send you promotional messages from places you have visited (subject to our legal obligations and your communication preferences) and to automatically send you digital receipts for future transactions from us or our Service Providers. Digital receipts may contain additional messages, offers, or links that may be of interest to you. For example, you may be able to submit feedback to a location, share your experience on social media, join programs, visit websites, or take advantage of promotions. When you submit or share information through a receipt (such as submitting feedback), we may share that information with Service Providers and you may receive responses. This policy does not describe the practices of Service Providers that may receive or collect information from you. We encourage you to ask them about their privacy practices before providing any information to them. If at any time you wish to opt out of receiving automatic digital receipts or change your preferences, you may do so by following the instructions in the “Your Choices” section below.

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 protection, identity verification, and fee collection services), as well as financial institutions, payment networks, payment card associations, and other entities in connection with the payment process;
With third parties that run advertising campaigns, contests, special offers, or other events or activities in connection with our Services;
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 protect our rights or property, or the security or integrity of our Services, or (iii) 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 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.

Cookies

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 making a request to us using the contact details below. If you decide to opt out, we may still send you non-promotional communications, such as digital receipts you request.

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.