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Seen Privacy Policies

FACTS: What does Seen Finance Inc. do with your personal information?

Why?

Financial companies decide how they share personal information. Federal law allows consumers to limit certain sharing but not all. Institutions must disclose their data collection, sharing, and protection practices.

What?

Personal information collected includes:

  • Social Security number and income
  • Credit history and credit scores
  • Credit cards and other debt
  • Checking account information

How?

Reasons for sharing personal information:

Category Seen Shares? Can You Limit?
Everyday business purposes Yes No
Marketing purposes Yes No
Joint marketing with other financial companies Yes No
Affiliates' everyday business purposes (transactions) Yes No
Affiliates' everyday business purposes (creditworthiness) Yes Yes
Affiliates' marketing Yes Yes
Nonaffiliates' marketing Yes Yes

To Limit Sharing

Contact help@seen.com with your name, address, and last four account digits.

New customers: 30-day waiting period before sharing begins.
Former customers: Sharing continues per this notice unless you request limitations.

What We Do

Security Measures

We use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

Information Collection Methods

Seen collects information when you:

  • Apply for financing
  • Provide contact/income information
  • Use credit or debit cards
  • Interact with credit bureaus, affiliates, or other companies

Sharing Limitations

Federal law allows you to limit only:

  • Sharing about creditworthiness with affiliates
  • Affiliate marketing to you
  • Nonaffiliate marketing to you

State laws may provide additional rights.

Joint Account Holders

Your choices will apply to everyone on your account.

Definitions

Affiliates

Companies related by common ownership or control (financial and nonfinancial):

  • Snap Finance Holdings, LLC
  • Snap U.S. Holdings, LLC
  • Snap Finance LLC
  • Snap RTO LLC
  • Snap Second Look LLC
  • Snap Direct LLC
  • Snap Springboard LLC

Nonaffiliates

Unrelated companies (financial and nonfinancial), including payment processors, banks, collection agencies, and direct marketers.

Joint Marketing

Formal agreements between nonaffiliated financial companies to market financial products together.

State-Specific Provisions

California Residents

Accounts with California mailing addresses automatically receive limited sharing restrictions with nonaffiliates.

Vermont Residents

Seen will not disclose creditworthiness to affiliates or share personal/financial information to nonaffiliates for marketing unless you authorize us to make those disclosures. Additional information: www.Seen.com or 833-723-9336.

North Dakota Residents

Seen will not disclose records to nonaffiliates unless authorized in writing or electronic form. Authorization must specify:

  1. Time period
  2. Information type
  3. Recipient entities

Revoke authorization by calling 877-557-3769.

Nevada Residents

Do Not Call List: 1-833-723-9336

Contact information:

Online Privacy Statement

Scope

This statement covers:

  • Seen.com and affiliated websites
  • Seen Finance mobile apps
  • Social media interactions
  • Email and online advertisements

By using our Online Services or interacting with us online, you agree and consent to the terms and conditions of this Online Privacy Statement.

Information We Collect

Personal Information includes:

  • Name, account number, User ID, email address
  • Third-party bank account information (for transfers)
  • Check images (Mobile Apps)

Online data collected:

  • Browser, IP address, device ID, advertising ID, operating system
  • Referral sources and pages visited
  • Location data (cellular, Wi-Fi, browser services, mobile location services)

Collection methods:

  • Direct submissions
  • Click tracking
  • Interactive chat (may be recorded and shared with service providers)
  • Passive tracking (cookies, pixel tags, session replay technology)

Third-party sources:

  • Social media sites/apps (Facebook, Twitter, Pinterest, LinkedIn, Instagram, YouTube)
  • Business partners and service providers
  • Credit bureaus and other companies

How We Use Information

Responding to requests: Processing applications, completing transactions, sending alerts.

Product/service improvement: Customizing experience, combining data from multiple sources, session recreation for issue resolution.

Security purposes: We may use information, including your location information and IP address, to protect our company, our customers, and our Online Services from fraud.

Account and relationship communication: Notifications about accounts, feedback, policy updates.

Marketing: Information about new products, special offers, features, updates, push notifications.

Targeted advertising: Using cookies, location data, device-level advertising, and pixel tags to identify devices and display targeted messages.

Legal compliance: Following court orders, subpoenas, government requests, fraud investigations.

Business transitions: Sharing customer information in merger/acquisition scenarios.

Other authorized sharing: At customer request or with explicit permission.

What We Share

Internally: Among Seen Finance subsidiaries, affiliates, and service providers.

With business partners: To fulfill offers and rewards; social media widget interactions.

For legal/protective reasons: Court orders, government requests, fraud investigations.

With successors: If business is sold or transferred.

At your request: With your authorization.

Managing Your Online Privacy Choices

Account updates: Access your profile online or call to update contact information and marketing preferences.

Opt-out methods:

  • Follow unsubscribe instructions in promotional messages
  • Transactional messages continue regardless of opt-out status

Mobile device controls:

  • Disable location services in device settings or app
  • Decline location tracking prompts
  • Reject push notifications
  • Limit app access to camera, contacts, calendar (if OS allows)

About Ads, Tracking, and Your Choices

Interest-Based Advertising

Seen Finance displays targeted ads across websites based on browsing history. Interest-based advertising includes ads served to you after you leave our Website, encouraging you to return.

Opting out:

  • Click the Advertising Option icon in ads
  • Control mobile device advertising settings

Tracking Technologies

Seen uses tracking tools to:

  • Recognize returning/new customers
  • Store passwords for registered accounts
  • Improve websites and apps
  • Serve targeted advertising
  • Monitor cross-platform behavior

How Relevance is Determined

Seen evaluates your information through:

  • Your interactions with the company, affiliates, and third parties
  • Purchases (offline and online)
  • Browsing behaviors across platforms

Third-party links: External parties may connect your name/email to offline purchases and online usage.

Browser and Device Controls

Your browser may give you the ability to control tracking tools like cookies and pixel tags.

Global Privacy Control (GPC): We will process the GPC signal as a request to opt-out for the browser or device you are using at that time.

Limitations: Blocking tracking tools may disable certain features. Choices are browser and device-specific.

Continued advertising: Opting out of interest-based ads doesn't eliminate all Seen Finance advertising.

Additional Information

Data Retention

Seen retains personal data as long as necessary for the practices described or as required by law. Retention determination factors:

  • Service/product provision
  • Audit requirements
  • Problem troubleshooting
  • Policy enforcement
  • Legal compliance

Financial records: Customer applications, statements, and payments retained minimum seven years per regulatory requirements.

Mobile App Accounts

Users can request account deletion via email (help@seen.com) or through app settings. Deleting the Mobile App will not delete your Seen Finance account, and we will need to maintain such information to service your account.

Children

Our Online Services are meant for adults and are not directed to children. We do not knowingly collect Personal Information from children under 13 without permission from a parent or legal guardian.

Security Standards

To protect your Personal Information from unauthorized access, we use security measures that comply with federal law, including computer safeguards and controls. However, the Internet is not 100% secure.

User responsibilities:

  • Avoid jailbroken or rooted devices
  • Don't share passwords

Social Security Number/ITIN Protection

Seen's policies:

  • Protect confidentiality
  • Prohibit unlawful disclosure
  • Limit access to employees with legitimate business purposes

Third-Party Links

This Online Privacy Statement does not apply to the privacy practices of those websites or apps. Carefully read the privacy policy of other websites or apps. We are not responsible for those third-party practices.

Policy Updates

Effective date: August 31, 2023

We may change our Online Privacy Statement from time to time. We will notify you of any material changes as required by law, such as by posting the revised privacy statement on this page with a new "last updated" date.

Contact Information

  • Email: help@seen.com
  • Phone: 1-833-923-7336
  • Hours: Monday–Friday, 9:00 a.m. – 9:00 p.m. ET
  • Address: 1193 W 2400 S, West Valley City, UT 84119