Privacy Policy

Effective date: March 1, 2024

Introduction and Overview

At Amzoonx, our mission is to provide you with clarity for all of your life’s financial decisions. We do so by empowering you with financial information and guidance you can trust and by providing you with tools to help you make the best decisions for your financial needs.

When you use our websites and applications and input your personal information, we have an obligation to provide you with clarity regarding how your data is accessed and used by Amzoonx, its affiliates, vendors, partners and other third-party entities.

To that end, this Privacy Policy describes the information we collect about you, how we collect it, how we use your information, whom we share your information with, and the steps we take to protect your information.

What This Privacy Policy Covers

This Privacy Policy describes our privacy practices related to your access and use of Amzoonx Services and the Amzoonx Platform.

Amzoonx Services. When we say “Amzoonx Services” or “Services,” this means the products and services that are made available and directly provided by Amzoonx, Inc. through our websites and mobile applications. This includes, for example, our lending, credit, financial planning, and insurance products and services.
Amzoonx Platform. When we say “Amzoonx Platform” or “Platform,” this means the products and services that are made available by our unaffiliated third-party partners under a co-branded arrangement where we share your information and/or receive your information from these partners with your consent. This includes, for example, when you sign up for the NerdUp credit card, tax preparation services, investing services, and vehicle selling services. When we share your information with our unaffiliated third-party partners, their privacy policy may apply.

Please note Amzoonx is a financial institution and most of our data collection, use, and sharing practices are governed by the federal Gramm-Leach-Bliley Act. By using and accessing the Amzoonx Platform and Services, you are consenting to receive notices about your financial privacy electronically.

We encourage you to read the entire Privacy Policy. By becoming a Amzoonx member or using the Amzoonx Platform and Services, you acknowledge that you have read and agree to the Privacy Policy. Your use of the Amzoonx Platform and Services is subject to the Amzoonx Terms of Use (the “Terms”). We use the same terms here as in Terms. We will let you know in this Privacy Policy if we have a new or different definition of a term.

Information We Collect

When we say “Personal Information,” we use this as a general term to mean information that can be any information about an individual from which that person can be reasonably identified.

Information we collect directly from you

We may collect Personal Information directly from you when you use the Amzoonx Platform and Services — for example, when you register to become a member, request to prequalify for a third-party credit card or loan product, request your TransUnion credit report and/or score, link your third-party financial accounts, or fill out calculators, forms or other fields.

Here are the types of Personal Information we may collect:

Contact and registration information. Information you provide when you sign up to become a member, activate a subscription or upload information into the Amzoonx Platform or Service including your name, title and honorifics, email address, mailing address, phone number, date of birth, username and password.
Identity information. Information to verify your identity including your name, date of birth, social security number, driver’s license number or other government issued identification, or similar information.
Vehicle information. Information you provide when you are interested in an auto loan, are interested in selling your vehicle, or are interested in similar services, including your vehicle registration information and vehicle identification number.
Financial information. Financial information, such as your payment information (credit card information), investments, income, expenses, assets, liabilities, financial goals, investing risk tolerance or other similar types of information about your job or business. We also may collect third-party financial account information, such as an ID and password.
Demographic information. Information including your age, gender, or other similar demographic information when such information is relevant to a particular financial product or service you have requested (for example, when requesting auto insurance rates or using retirement planning calculators).
User-generated content information. When you communicate with us, either by email, phone, or other means of communication, we also may collect the content of these communications, including but not limited to recordings of phone calls where permitted by law.
Device and contact data. Depending on the permissions you grant in your device settings, we may get access to certain device-related information (e.g., device information, device identifiers).
Inferences about customer preferences and characteristics. We may infer from information provided by you, information collected directly from your browser or device, or from information obtained from third-party marketing database partners.

We do not store your third-party financial account ID or passwords. Instead, we securely pass this information to our third-party partners when you request services that require us to confirm your identity, when you request to prequalify for their products, and/or to provide you with access to your financial information on the Amzoonx Platform or Services.

Information collected from third-parties

When you use Amzoonx Platform or Services, we may also obtain information about you from unaffiliated third-parties, such as our business partners, referral partners or advertisers when you authorize these parties to do so. The information we collect depends on the type of third-party and what you authorize them to share with us. For example, we collect Personal Information from:

Banking institutions. When you apply for and are approved for a NerdUp by Amzoonx credit card, the credit card issuing bank, Evolve Bank & Trust (the “Bank”), may share your transaction history, current balances, payment history and other card related information with Amzoonx.
Consumer reporting agencies and other third-parties. We may also, at your direction, receive credit reports or scores from consumer reporting agencies such as TransUnion, Experian, or Equifax, or from third-party services that provide a mechanism to share information you have provided to the third-party through the use of an application program interface (API), such as Facebook Connect or the Twitter API.
Tax partners. If you use our tax offering, we may receive some information about your tax filing, including your tax return status, the jurisdictions in which you filed taxes, your state of residence, and the amount you owe in taxes or are due in refund.
Financial account linking partners. Amzoonx offers financial account linking that allows you to track all of your third-party financial accounts on Amzoonx’s website. By using the Link My Account Service, you grant Amzoonx permission to access your third-party financial accounts designated by you. We use your account information to evaluate your eligibility for and recommend other products or services and to modify or develop our products and services to better serve you. Plaid Inc. facilitates the Link My Account feature and for more information on how Plaid Inc.
Identify verification partners. We work with third-party partners to help us verify your identity and supplement the Personal Information you provide to ensure the accuracy of the information. For example, the third-party partners may verify your contact information or provide additional details about your address.
Social media and content providers. If you log onto your Amzoonx account through a social media site, we have access to certain information from that site, including your name, account information, profile photo. If you interact with content on our social media profiles (for example, if you “like” or share a blog or article from our website on Facebook, Instagram or other social media sites), those sites may share information about you with us depending on your privacy settings on those sites. Additionally, if you post information on a social media platform or another third-party service that references the Amzoonx Platform or Services, we may publish your post on our social media accounts or websites. To learn more about the privacy practices of the social media sites, please review the privacy notice of that site.
Public information. We may collect Personal Information about you from publicly available sources, such as open government databases, real property recorder records, assessor records, and social media platforms (as explained above) and others.
Data from other information providers. We may collect your demographic and household information, financial and assets-related information, employment history, credit card usage information, survey responses, and other information about products or services you may be interested in, including potential retail purchases of different types of products or services (e.g. “health & beauty products,” “clothing,” “electronics”), from other information providers known as data brokers.

When we combine or associate information from other sources with your Personal Information that we collect through the Amzoonx Platform or Services, we will treat the combined information in accordance with this Privacy Policy, the Terms, and applicable law.

Information automatically collected

When you interact with us, use the Amzoonx Platform and Services, or open an email from Amzoonx, we may automatically receive and record certain information from your computer, web browser and/or mobile device.

Here are the types of data that we automatically collect:

Usage information. We collect information about your usage of Amzoonx Platform and Services, including the web pages or sites that you visit just before or just after visiting the website and applications, pages you view; your actions on the website and mobile applications, including the electronic path you take to, through and when exiting our websites and mobile applications, as well as your usage and activity on our website and applications, such as the links and objects you view, click or otherwise interact with (also known as “Clickstream Data”); and dates and times that you visit, access, or use the Amzoonx Platform and Services.
Location information. The Amzoonx Platform and Services may collect your geolocation data, including when you access our websites on a mobile device.
Device information. Information regarding the device you use when you interact with Amzoonx Platform and Services, including your IP address or other device address or ID, web browser and/or device type, and hardware and software settings and configurations.

Cookies and Other Technologies

When you use or visit the Amzoonx Services and Platform, we may send one or more cookies or and similar tracking technologies.

Cookies

Cookies are text files, containing small amounts of information, which are downloaded to your device as you browse the web or use a web-enabled app.

There are two broad categories of cookies:

First party cookies, served directly by us to your computer or mobile device when you use a web-enabled app.
Third-party cookies, which are served by a third-party on our behalf. We use third-party cookies for functionality, analytics, marketing, and social media purposes.

As explained below, cookies can remain on your computer or mobile device for different periods of time:

Single-session (temporary) cookies. Temporary cookies last only as long as your web browser is open and are used for technical purposes such as enabling better navigation on our Website. Once you close your browser, the cookie disappears.
Multi-session (persistent). Persistent cookies are stored on your computer or device for longer periods and are used for purposes including session management (for example, to recognize you and recall your individual login information and preferences).

Like most companies, we generally use cookies to track the number of unique visitors and information such as the number of view a page gets, how much time a user spends on a page and other web statistics; monitor the performance of our Amzoonx Services and to continually improve it; and customize and enhance your online experience.

We classify cookies in the following categories:

Non-targeting cookies. These cookies are primarily used for operational, performance/analytical, and functional purposes. Combined, these cookies assist us with providing you with services available through the Amzoonx Services and Platform and to use some of the available features.
Targeting cookies. These cookies may be set through our Amzoonx Services and Platform by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant adverts on other sites. They do not store directly personal information, but are based on uniquely identifying your browser and internet device. If you do not allow these cookies, you will experience less targeted advertising.

How to control or delete cookies

Most browsers also allow you to adjust your cookie settings. These settings will typically be found in the “options” or “preferences” menu of your browser. In order to adjust these settings, please consult the “Help” function of your browser, or the documentation published online for your particular browser type and version. For residents of certain jurisdictions, you may be able to adjust your cookie settings by visiting our cookie preferences center.

Third-party web beacons and third-party buttons

We may implement third-party advertising or other content on the Amzoonx Services or Platform that may use clear GIFs or other forms of web beacons, which allow the third-party content provider to read and write Cookies to your web browser in connection with your viewing of the third-party content on the Amzoonx Services or Platform. Additionally, we may implement third-party buttons (such as Facebook “like” or “share” buttons) that may allow a third-party to collect information about you through their browser Cookies, even when you do not interact with the button.

We also engage third-party partners and vendors like Google Analytics, Hotjar and others, who provide analytics and advertising services, to assist us in providing you the Amzoonx Services or Platform. We allow these third-parties, including unaffiliated business partners, advertising networks, analytics providers, and other advertising service providers, to automatically collect Clickstream Data and other information about your online activities on the Amzoonx Services or Platform and across your browsers and devices using cookies, web beacons, mobile advertising identifiers and other technologies. We use this data for our own analytics and advertising purposes, as well as to facilitate partner relationships and your interactions with other third-parties. In addition, certain of our third-party partners may use this information to display online advertisements tailored to your interests and preferences across your browsers and devices, to conduct ad campaign measurement and website analytics, to detect, prevent and report fraud, or to carry out their own business and commercial purposes.

Due to differences between using websites and apps on mobile devices, you may need to take additional steps to opt out on both platforms. Many mobile devices allow you to opt out of interest-based advertising for mobile apps using the settings within the mobile app or your mobile device. For more information, please check your mobile device settings. You also may uninstall our app using the standard uninstall process available on your mobile device or app marketplace. Please note that your opt-out choice will apply only to the browser and device you are using when you opt out.

How We Use Your Information

Your information is an integral part of our operations, and we use it in a variety of ways in providing the Amzoonx Platform and Services and in operating our business. We use your Personal Information to:

Provide you the services you request.
Enable provision of the Amzoonx Platform and Services to you.
Verify your identity and administer your User Account.
Communicate with you, including customer support, security alerts, or recommend and offer financial products or services offered by our unaffiliated third-party partners.
Communicate with you about other things we think you will be interested in, such as newsletters, surveys, contests or sweepstakes, events or announcements.
Operate, maintain and improve the Amzoonx Services and create new features and functionality.
Understand and analyze usage trends and preferences of our users across different devices.
Enhance and protect the safety, integrity, and security of the Amzoonx Platform and Services, including prevention of fraud and other unauthorized or illegal activities and information security.
Personalize, contextualize and market the Amzoonx Services to you.
Enforce, investigate, and report conduct violating our Terms or other policies.
Protect or exercise our legal rights or defend against legal claims, including to enforce and carry out contracts and agreements.
Comply with applicable laws, licensing, and regulatory obligations. address intellectual property, right of privacy or defamation issues related to content you have posted on the Amzoonx Platform and Services, and/or (c) send you promotional materials, offers, and/or messages related to the Amzoonx Platform and Services and the activities of third-parties we work with. Generally, you can opt out of receiving promotional communications, through links provided in the messages, by updating your account preferences through your Amzoonx
With your consent. We may use your email address or other Personal Information to (a) contact you for administrative purposes such as customer service, (b) account, or by contacting us directly at [email protected].
We may use cookies and automatically collected information, as described above, to: (a) personalize our services, such as remembering your information so that you will not have to re-enter it during your visit or the next time you visit the Amzoonx Platform or Services; (b) pre-fill forms; (c) provide customized advertisements, content, and information across your devices; (d) monitor and analyze the effectiveness of Amzoonx Platform or Services and third-party marketing activities; (e) monitor aggregate site usage metrics such as total number of visitors and pages viewed; and (f) track your entries, submissions, and status in any promotions or other activities.
If you request access to your consumer credit reports, we may use it to (1) provide you with access to your free credit score, including periodic updates to your credit score, and (2) make recommendations and offers regarding financial products and services that may be of interest to you, including credit cards, personal loans, home loans and other financial products and services offered by Amzoonx partners.

How Long We Retain Your Personal Information

Amzoonx will retain your Personal Information only for as long as is necessary for the purposes set out in this Privacy Policy, for as long as you maintain an account, or as needed to provide the Amzoonx Platform and Services to you.

If you no longer want Amzoonx to use your information to provide the Amzoonx Platform and Services to you, you may close your account. Amzoonx will retain and use your Personal Information to the extent necessary to:

comply with our legal or regulatory compliance needs (e.g. maintaining records of transactions you have made with us);
to exercise, establish or defend legal claims; and/or
to protect against fraudulent or abusive activity on Amzoonx Platform and Services.

This means we may keep different information for different periods. If your account is canceled because you’ve not used it in a long time, we may delete this information at any time.

There may be occasions where we are unable to fully delete, anonymize, or de-identify your information due to technical, legal, regulatory compliance or other operational reasons. Where this is the case, we will take reasonable measures to securely isolate your Personal Information from any further processing until such time as we are able to delete, anonymize, or de-identify it.

Our Commitment to Data Security

We use certain physical, managerial, and technical safeguards that are designed to protect the integrity and security of your information. We cannot, however, ensure or warrant the security of any information you share or store with us through the Amzoonx Platform and Services, and you do so at your own risk.

Protecting your Personal Information is also your responsibility. Be mindful of keeping your password and other authentication information safe from third-parties, and immediately notify us of any unauthorized use of your login credentials.

Our Contact Information

Please contact us with any questions or comments about this Privacy Policy, your Personal Information, our use and disclosure practices, or your consent choices by email at [email protected].