understand how collect, use, transfer and store your information.
On behalf of Step 1 Credit, LLC, a Texas limited liability company, doing business as Step 1 Credit
(referred to as "STEP 1 CREDIT", “Company”, "us”, or “we”), welcome to the website
or the related downloadable
application (collectively, the “Application”). We recognize that your privacy is
important. This Policy discloses the privacy practices for the Application and also
covers how personal and other information that we receive or collect about you is treated.
Please read the information below to learn the following regarding your use of the Application.
Terms and Conditions of Use policies (hereinafter, “Terms”) and that by accessing or using
the Application, you agree to be bound by these Terms, as well as this Policy. We reserve
changes in the way we treat personal information by updating any privacy information on this
page. Your continued use of the Application or the services available through this Application
after such modifications will constitute your:
acknowledgment of the modified Policy; and
your agreement to abide and be bound by that Policy.
If you have any questions about this Policy, please feel free to contact us by e-mail at
IMPORTANT: BY USING THE APPLICATION, YOU GIVE YOUR CONSENT THAT ALL PERSONAL DATA THAT YOU SUBMIT MAY
BE PROCESSED BY US IN THE MANNER AND FOR THE PURPOSES DESCRIBED BELOW. IF YOU DO NOT AGREE TO THESE
TERMS AND CONDITIONS, DO NOT USE THE APPLICATION.
Types of Information We Collect
In order to provide you with our services, we may collect two types of information about our
users: Personally Identifiable Information and Aggregate Information.
Personally Identifiable Information (“PII”): This refers to information that lets us
know the specifics of who you are and grant access to the Application. Examples of PII may include
your first, middle, and last name, social security number, email address, telephone number, date of
birth, credit card or other payment information, and your billing address for payment purposes.
You may also voluntarily provide other PII, whether or not specifically requested by us, including
but not limited to requesting and authorizing the retrieval of financial and credit information from
third-party credit-reporting agencies or sharing contacts information existing on your device. You
agree that we may collect any PII voluntarily supplied by you, whether or not we have requested it.
You must not submit any PII relating to a third party without their consent. We do not knowingly
collect any information relating to third parties which you do not have permission to provide.
When you engage in certain activities on our Application, such as sending us an email to
firstname.lastname@example.org, we will ask you to provide certain PII.
Aggregate Information: This refers to information that does not by itself
identify a specific individual. We gather certain information about you to enable STEP 1 CREDIT’s
networking and search features.
We also gather certain information about you based upon where you visit on our Application and what other
Applications may have directed you to us. This information includes, but is not limited to: information
about your computer, your computer's IP address, technical information about your computer or device
(such as type of device, web browser or operating system), your preferences and settings (time zone,
language, privacy preferences, product preferences, etc.), the URL of the last web page you visited
before coming to one of our sites, the buttons, controls and ads you clicked on (if any), how long
you used the Application and which services and features you used, and your online or offline status
of the Application. This information, which is collected in a variety of different ways, is compiled
and analysed on both a personal and an aggregated basis. This information may include the Website’s
Uniform Resource Locator ("URL") that points to the site you just came from, which URL you go to after
visiting our Applications, what browser you are using, and your Internet Protocol ("IP") address.
How We Collect and Use Information
We do not collect any PII about you unless you voluntarily provide it to us or consent to the sharing
of that PII. However, you may be required to provide certain PII to us when you elect to use certain
services available on the Application. We will primarily use your PII to provide information and
enable the use of our services and functionality for you.
We will also use certain forms of PII to enhance the operation of our Application, improve our
internal marketing and promotional efforts, statistically analyse Application use, improve our
service, and customize the Application’s content, layout, and services. We may use PII to deliver
information to you and to contact you if you request that we do so. Finally, we may use your PII
If your web browser emits “do not track” signals, or you use other mechanisms that provide you the
opportunity to prevent the collection of PII or Aggregate Information about your online activities,
we honor these signals or mechanisms by refraining from collecting information about you.
Some third-party websites keep track of your browsing activities. If you are visiting such websites,
you can set your preferences in your web browser to inform websites that you do not want to be
tracked. You can enable or disable “do not track” by visiting the preferences or settings page
of your web browser or device settings.
Depending on how you use our Application, we may store cookies on your computer in order to collect
certain aggregate data about our users and to customize certain aspects of your specific user
experience. A cookie is a small data text file which is stored on your computer that uniquely
identifies your browser. Cookies may also include more personalized information, such as your
IP address, browser type, the server your computer is logged onto, the area code and zip code
associated with your server, and your first name to welcome you back to our Application. We may use
cookies to perform tasks such as: monitoring aggregate Application usage metrics, storing and
remembering your passwords (if you allow us to do so), storing account and advertising preferences
that you have set, and personalizing the services and advertising we make available to you. However,
Most browsers are initially set up to accept cookies, but you can reset your browser to refuse all cookies
or to indicate when a cookie is being sent. However, some aspects of the Application may not function
properly if you elect to disable cookies.
Some cookies used by us include those for Google Analytics, Display Advertising and Remarketing.
Remarketing involves showing advertisements on other websites to users who have visited or used STEP 1 CREDIT.
The advertisements may feature STEP 1 CREDIT or other advertisers. For more information on how Google uses data
and how to opt out, please visit:
Release of Information
We will not sell, trade, or rent your PII to others. We do provide some of our services through contractual arrangements
made with affiliates, service providers, partners and other third parties (“Service Partners”). We and our
Service Partners may need to use some PII in order to confirm and verify your authorization of our services,
access and retrieve confidential credit information, complete tasks and enable Application functionality, and
to deliver services to you. For example, we use Service Partners to facilitate and access electronic information
from credit reporting agencies, enable transmission of data between Step 1 Credit and you via the Application,
to assist us in delivering other electronic communications to you, and to analyse Aggregate Information.
We will choose Service Partners who adopt and promote strong privacy policies. However, the use of your PII by
our Service Partners is governed by the respective privacy policies of those providers and is not subject to our control.
information we collect from you. Any other sites accessible through our Application, including those of our
Service Partners, have their own privacy policies and data collection, use, and disclosure practices. Please
Other than our Service Partners, we do not allow third parties to collect PII or Aggregate information about
you or your online activities when you use our Application.
Occasionally we may be required by law enforcement or judicial authorities to provide PII to the appropriate
governmental authorities. In such cases, we will disclose PII upon receipt of a court order, subpoena, or to
cooperate with a law enforcement investigation. We fully cooperate with law enforcement agencies in identifying
those who use our services for illegal activities. We reserve the right to report to law enforcement agencies
any activities that we in good faith believe to be unlawful.
Updating and Correcting Information
We believe you should have the ability to access and edit the PII that you have provided to us. You may change any
of your PII via the Application at any time by accessing the Application or our mobile application.
We encourage you to promptly update your PII if it changes. You may ask to have the information on your account
deleted or removed; however, some information, such as past cases and transactions, logs of technical support
calls, or other information may not be deleted. In addition, it may be impossible to completely delete your
information without some residual information because of backups.
Your Privacy Rights
Upon your request, California Civil Code Section 1798.83, known as the “Shine the Light” law, requires us to
provide to you (a) a list of your personal information, if any, which we have disclosed to third parties
for direct marketing purposes in the preceding calendar year, and (b) the names and addresses of those third
parties. You may make such a request once per calendar year, and we will provide the information to you
free of charge. Please send any requests made pursuant to this section to us by e-mail by at email@example.com.
However, as defined under Section 1798.83, we do not currently share any personal information with third parties
for their direct marketing purposes.
Our Application is not intended for anyone under the age of 18. We do not knowingly collect personally
identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware
that your child has provided us with PII, please contact us. If we become aware that we have collected PII
from anyone under the age of 18 without verification of parental consent, we take steps to remove that
information from our Application and servers.
Agree to provide true, accurate, current and complete information as required on the Site’s account
registration form. If you provide any information that is untrue, incomplete, not current or inaccurate,
STEP 1 CREDIT has the right to suspend or terminate your account and refuse your current or future use
of the App.
If we need to rely on consent as a legal basis for processing and your information and your country
requires consent from a parent or guardian, we may require your parent or guardian’s consent before we
collect and use that information.
No user-generated information is publicly accessible or publicly viewable.
User Choices on Collection and Use of Information
We may, from time to time, send you e-mails and/or newsletters regarding information or services that we
feel may interest you. Only STEP 1 CREDIT (or agents working on behalf of us and under confidentiality
agreements) will send you these notifications. If you do not want to receive correspondence from us,
you can “opt-out” by clicking on the “Unsubscribe” link at the bottom of each correspondence.
You also have choices with respect to cookies, as described above. By modifying your browser preferences,
you have the choice to accept all cookies, to be notified when a cookie is set, or to reject all cookies.
If you choose to reject all cookies some parts of our Application may not work properly in your case.
Security of Your PII
At our Application we make extensive efforts to secure your PII. We strive to take appropriate security
measures to protect against unauthorized access to or unauthorized alteration, disclosure or
destruction of your PII. For example:
Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100%
secure. As a result, while we strive to protect your PII, you acknowledge that: (a) there are security
and privacy limitations inherent to the Internet which are beyond our control; and (b) the security,
integrity, and privacy of any and all information and data exchanged between you and us through the
Application cannot be guaranteed.
We work hard to ensure that the data we collect is reliable, accurate, complete, and current.
We use PII only for the purposes for which it was collected or to comply with any applicable
legal or ethical reporting or document retention requirements.
We limit access to PII only to specific employees, Service Partners, contractors, and agents who have a
reasonable need to come into contact with your information.
Additionally, we also employ a number of physical, electronic, and procedural safeguards to protect PII.
Our service partners and affiliates employ secure servers and data centers that are protected by
encryption, reside behind firewalls, and are password protection.
privacy practices, please contact us by e-mail at firstname.lastname@example.org.
Effective Date: January 1, 2021