Privacy Policy

1. Information We Collect

Information You Provide

• Application Information: Name, address, date of birth, SSN, employment details, income
• Financial Information: Bank account details, credit history, debt obligations
• Contact Information: Email address, phone number
• Account Information: Username, password, security questions

Information Automatically Collected

• Device Information: IP address, browser type, operating system
• Usage Data: Pages viewed, features used, time spent on site
• Location Data: General geographic location based on IP
• Cookies: Cookies and similar tracking technologies

Information from Third Parties

• Credit Bureaus: Credit reports and scores
• Identity Verification: Identity verification services
• Bank Partners: Information from our lending partners

2. How We Use Your Information

We use your information for the following purposes:

• Loan Processing: Evaluate loan applications and determine creditworthiness
• Account Management: Manage your account, process payments, provide customer support
• Communication: Send account updates, payment reminders, and important notices
• Fraud Prevention: Detect and prevent fraud, identity theft, and unauthorized access
• Legal Compliance: Comply with legal obligations and regulatory requirements
• Service Improvement: Analyze usage patterns to improve our platform and AI models
• Marketing: Send promotional offers (with your consent, where required)

3. Information Sharing

We Share Your Information With:

• Bank Partners: FDIC-insured banks and credit unions that fund loans
• Service Providers: Companies that help us operate our platform (payment processors, cloud hosting, etc.)
• Credit Bureaus: To report loan performance and payment history
• Legal Requirements: When required by law, subpoena, or court order
• Business Transfers: In connection with a merger, acquisition, or sale of assets

4. Data Security

We implement robust security measures to protect your data:

• Encryption: 256-bit SSL encryption for data in transit and at rest
• Access Controls: Strict access restrictions and authentication requirements
• Monitoring: 24/7 security monitoring and threat detection
• Regular Audits: Independent security audits and penetration testing
• Employee Training: Staff trained on data protection best practices

5. Your Privacy Rights

You have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal requirements)
• Opt-Out: Opt out of marketing communications at any time
• Data Portability: Request your data in a portable format
• Object: Object to certain processing activities

To exercise your rights, contact us at privacy@upstart.com

6. Cookies & Tracking Technologies

We use cookies and similar technologies to:

• Remember your preferences and settings
• Analyze site traffic and usage patterns
• Personalize content and advertising
• Detect and prevent fraud

You can control cookies through your browser settings. Note that disabling cookies may affect site functionality.

7. Children's Privacy

Our services are not directed to individuals under 18. We do not knowingly collect personal information from children. If we learn we have collected information from a child, we will delete it promptly.

8. Policy Updates

We may update this Privacy Policy periodically. We will notify you of material changes by email or prominent notice on our website. Continued use of our services after changes constitutes acceptance of the updated policy.

9. Contact Us