Privacy Policy
Overview
At One River Servicing, we believe fairness and transparency are values that are fundamental to our business and our clients. That value powers all of the decisions we make, including how we gather and respect your personal information. We've written our policy to be as clear and straightforward as possible to empower and inform you about your privacy while on One River Servicing’s website.
First and foremost, we never sell your information. To complete your funding requests we may need to share information provided by you with our partners so that they can perform the requested services, but your information is never for sale.
Privacy & Security Policy
Welcome to One River Services. We believe that you deserve the utmost respect when it comes to the privacy of your personal information. As you use our services, we want you to be clear how we are using information and the ways in which you can protect your privacy. The terms "we", "us," and "One River Services'' refer to One River Services LLC,. a Delaware LLC, its subsidiaries, and affiliates.
This Privacy Policy discloses which financial and personal information we collect, how we use, it and the choices you can make regarding the collection and use of this information. We also explain how any personally identifiable information that we may request will be used. Finally, we include our security policy, which describes how your personally identifiable information is protected both electronically and physically.
Information We Collect
We may collect information from you when you use the One River Services site. We also collect personal and financial information during the application and funding approval process. Additional information may be gathered during your future use of the site and our services. Information that we collect may include personally identifying information, such as your name, address, email address, telephone number, or social security number. We may also collect financial information such as your income, account balances, payment history, credit history, or credit scores.
We and/or our service providers may also collect information that is about you. We and/or our service providers may use this aggregated information in the administration of our Site to improve its usability, evaluate the success of particular marketing/advertising campaigns, and help optimize our Site based on your needs. This may include your internet protocol (IP) address, geographical location, browser type, referral source, length of visit, number of page views, or cookies and anonymous identifiers.
How We Use Information We Collect
One River Services may also use your personal information to facilitate activities and transactions that need to occur during the funding process, such as:
to establish that you are over the age of 18;
to verify your identity and guard against potential fraud;
to pull a credit report from a credit bureau, such as Experian, to help determine your creditworthiness;
to determine your eligibility for funding;
to enable our financial services partners to implement automatic payments and fund transfers;
to contact you if there is a problem completing a transaction you requested or to discuss a problem with your account;
to implement collection activities as needed; and/or
to maintain regular communications with you concerning transactions you initiate, including but not limited to requesting information or assistance, submitting a funding request, and making payments.
More generally, we may use information that we collect from you or that you provide to us:
to provide, maintain, protect and improve our services, to develop new ones, and to protect One River Services and our users;
to notify you about changes to the One River Services site or any products or services we offer or provide though it;
to keep a record of your communication to help solve any issues you might be facing;
for our marketing purposes to offer our products and services to you, such as advertisements, by us through third parties;
to offer you tailored content giving you more relevant search results and offers;
to enforce or apply our Terms of Use, funding agreement, and any other agreements between you and One River Services, including for billing and collection;
to fulfill any other purpose for which you provide or otherwise give your consent; and/or
to comply with any court order, law, or legal process, including retaining personal data or responding to any government or regulatory request.
Information You Share
You can review and change your personal information by contacting our servicing team at servicing@oneriverservices.com to request access to, correct, or delete any personal information that you have provided to us. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.
Information We Share
One River Services may share information with third parties as described below.
Partners & Service Providers
Some of the services that are offered through the One River Services site may be provided by third-party partners, like Experian. We may also outsource some of One River Services' functions to third-party providers, such as data storage providers, platform administrators, credit bureaus, collection agencies, funding servicers, payment processing functions, and/or other services. We may share information from or about you with these third-party providers so that they can perform the requested services ro complete your requests.
We use Charitize, Inc. (“Rightfoot”) to gather your personal information, and/or your company’s financial information, as applicable, from financial institutions associated with you and/or your company (collectively, “Financial Information”). By interacting with the services for which we use
Rightfoot, you acknowledge and agree that we may provide information about you and/or your business, as applicable, in order for Rightfoot to access and retrieve such Financial Information. The terms of Rightfoot’s Privacy Policy (available here) govern Rightfoot’s collection, transfer, storage, and use of that information, and you consent to Rightfoot’s Privacy Policy. You
also expressly grant One River Services LLC and Rightfoot the right, power, and authority to act on your behalf to access and transmit Financial Information from financial institution(s) as reasonably necessary for Rightfoot to provide its services. You may withdraw your consent to these practices by contacting us at servicing@oneriverservices.com, however, depending on your relationship with us, doing so may affect the products and services we provide to you, or our ability to provide such products and services.
Third-party Accounts
You can connect your application to your accounts on third-party services in which case we may collect and store information identifying your account with the third-party service. We may use the information to inform your application. When you connect an account with us, our third-party servicers may create a new 'token' for One River Services. That token gives access to view account information without giving permissions to perform any other action inside that account.
Aggregated Information
We may share aggregated, non-identifiable user information with third parties, such as advertisers and content distributors. For example, we may disclose the number of users that have been exposed to or clicked on advertisements.
Business Transfers
We may share information from or about you with subsidiaries, joint ventures, or other companies under common control, in which case we will require them to honor this Privacy Policy. If One River Services is involved in merger, acquisition or asset sale, we will continue to ensure the confidentiality of any personal information and give affected users notice before personal information is transferred or becomes subject to a different privacy policy.
Links
The One River Services site may contain links to unaffiliated third-party websites. Except as described in this policy, we do not share your personal information with them, and are not responsible for their privacy practices. We suggest you read the privacy policies on all such third-party websites.
Law Enforcement
We may disclose information from or about you if we have a good faith belief that such investigation or disclosure is (a) reasonably necessary to comply with legal process and law enforcement instructions and orders, such as a search warrant, subpoena, statute, judicial proceeding, or other legal process served on u;s (b) helpful to prevent, investigate, or identify possible wrongdoing in connection with the Site; or (c) protect our rights, reputation, property, or that of our users, affiliates, or the public.
Cookies
We, and third parties with whom we partner, may use cookies, web beacons, local shared objects, and similar technology ("Cookies") to improve your user experience and the overall quality of our service. Cookies are small data files that may have unique identifiers, and reside, among other places, on your computer or mobile device, in emails we send you, and on our web pages. Cookies may transmit information about you and your use of the One River Services site, such as your browser type, preferences, data relating to advertisements that have been displayed to you or that you have clicked on, and the date and time of your use.
Most importantly, cookies help us protect your account's security. Cookies may be stored only during an individual session ("Session DI cookies") or have long-term expiration dates ("persistent cookies"). Session DI cookies follow your activities on our site so that we can ensure that no one is making changes to your profile or applying for funding, and expire when you close your browser. Persistent cookies that remain on your hard drive for an extended period of time so that we can recognize you when you return to our Site.
ProtectingYour Information
One River Services takes steps to safeguard your personal information through vigorous physical, electronic, and operational policies and practices:
Secure, Off-Site Hosting: We store your personal and sensitive financial data such as Social Security numbers and bank accounts in a virtual private cloud hosted by Amazon Web Services.
Defined Service Access points: Data can only be read or written through defined service access points, the use of which is password-protected and limited to only those employees or third parties who have a need to know.
Secure Socket Layer certificate technology: We equip our servers with SSL certificate technology to provide a safe and secure channel to visit the One River Services site.
Data encryption: SL also ensures that all data entered into the One River Services site is encrypted. For further encryption protection, we require a 128-bit secure browser for logins and transactions.
Network firewalls: There is no inbound communication allowed between data and application servers and the Internet.
Communications from One River Services
To protect your account, One River Services may send you notifications that confirm actions taken on your account. These notifications are typically sent to notify you of a change in status, or for legal or security purposes. For example, you may receive notifications confirming your registration and the successful submission of funding requests, as well as requests from us for additional information and reminders to sign your funding agreement.
You cannot opt out of these notifications as they are in place to protect the security of your account and personal information. We do this for your own protection so that you can be sure no one else is making changes to your account without your knowledge. However, the security offered by these notifications can be undermined if other people have access to your email account.
Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Site. Even under the best of circumstances, the transmission of information via the internet is not completely secure. Any transmission of personal information is done at your own risk. In the event of a data breach, we will comply with the notification guidelines required by federal law as well as the laws of each state in which we do business.
What Can I Do To Protect My Security?
You can take several precautions to protect the security of your computer and personal information.
Use a unique password that you do not use for any other service.
Choose a strong password, avoid using any information that others can easily learn about you, such as a family member's name or birthday, and use special characters in place of letters.
Change your One River Services password frequently.
Do not share your One River Services password with anyone.
Restrict access to the email account you registered with on the One River Services site.
Install and regularly update antivirus and firewall software to protect your computer from
external attacks by malicious users.
Do not log onto your One River Services account in public areas where the internet is unsecured.
Logout and close the browser window when you are finished with a session on the One River Services site.
Compliance With State And Federal Laws
This Privacy Policy may not constitute your entire set of privacy rights, as these may vary fromstate to state. To make such a request, please send an email admin@OneRiverServices.com.
To be certain of your privacy rights, you may wish to contact the agency in your state that is charged with overseeing consumer privacy rights.
When This Privacy Policy Applies
This policy applies to information we collect about your connection with your use of this website, email, text, and other mobile applications, and through the funding application process. When you use the One River Services site, you consent to our collection, use, and disclosure of information about you as described in this Privacy Policy.
Changes to Our Privacy Policy
This Privacy Policy may change from time to time. We will post any changes to the Privacy Policy on this page and, if the changes are significant, we will provide a more prominent notice (including, for example, email notification). Any updates to this policy become effective when we post the updates on the Site. We will also keep prior versions of this Privacy Policy in an archive for your review. Your use of the One River Services site following the update to the Privacy Policy means that you accept the updated policy.
This policy was last updated on 6/10/2024.
CONTACT INFO
One River Services LLC
252 NW 29th St Suite 909
Miami, FL 33127
Telephone: 800-537-5651
Email: info@oneriverservices.com