I. Information we collect
A. INFORMATION WE COLLECT DIRECTLY FROM YOU
We may collect information directly from you when you use our Services — for example, when you register to become a member, when you request to prequalify for a third-party credit card or loan product, when you request your TransUnion credit report and/or score, when you link your third-party financial accounts, when you transfer money, or when you fill out calculators, forms or other fields on our Site. In such cases, we may ask you to provide us with one or more of the following pieces of information:
- Email address.
- Mailing address.
- Phone number.
- Date of birth.
- Social Security number.
- Your third-party financial account information, such as ID and password.
- Your financial information, such as investments, income, expenses, investible assets, investing risk tolerance or other similar types of information.
- 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).
Please note: We do not store your Social Security number, nor do we 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 our Site.
B. INFORMATION AUTOMATICALLY COLLECTED
1. Information Collected
When you visit the Site, use the Services, or open an email from Financial-Adviser.org, we may automatically receive and record certain information from your computer, web browser and/or mobile device, including without limitation:
- IP address or other device address or ID.
- Web browser and/or device type.
- Geolocation data, including if you use the Site on a mobile device.
- Hardware and software settings and configurations.
- Web pages or sites that you visit just before or just after visiting the Site.
- Pages you view on the Site.
- Your actions on the Site.
- Dates and times that you visit, access, or use the Services.
2. Cookie Information
When you use the Services, we may send one or more Cookies (which are small text files containing a string of alphanumeric characters) to your computer or mobile device. We may use both Session Cookies and Persistent Cookies. A Session Cookie disappears after you close your browser. A Persistent Cookie remains after you close your browser and may be used by your browser on subsequent visits to the Services. Persistent Cookies can be removed. Please review your web browser “Help” file to learn the proper way to modify your Cookie settings. If you delete, or choose not to accept, Cookies from the Services, you may not be able to utilize the features of the Services to their fullest potential.
3. Third-Party Web Beacons and Third-Party Buttons
We may implement third-party advertising or other content on the Site 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 Site. 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.
A number of different targeting and advertising programs may be used on this Site, including without limitation Google Analytics. We allow third parties, including nonaffiliated business partners, advertising networks, analytics providers, and other advertising service providers to collect information about your online activities on the Site and across your browsers and devices using cookies, web beacons, mobile advertising identifiers and other technologies. These third parties may use this information to display online advertisements across your browsers and devices, tailored to your interests and preferences. Information collected through web beacons, buttons, and similar technologies is collected directly by third parties, and we are not responsible for the privacy practices of these third parties. The information collected by these third parties in this manner is subject to that third party’s own privacy policies.
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 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.
C. INFORMATION FROM OTHER SOURCES
II. 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 Services and operating our business. We use the information you provide, for example:
A. To provide you the Services you request and enable non-affiliated third parties to provide additional services to you.
B. To operate, maintain and improve the Services and create new features and functionality.
C. To understand and analyze usage trends and preferences of our users across different devices.
D. For fraud detection and information security.
E. We may use your e-mail address or other personal information (a) to contact you for administrative purposes such as customer service, (b) to address intellectual property, right of privacy or defamation issues related to content you have posted on the Services, and/or (c) to send you promotional materials, offers, and/or messages related to the Services and the activities of third parties we work with.
F. We may use Cookie Information and Automatically Collected Information 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 Services; (b) provide customized advertisements, content, and information across your devices; (c) monitor and analyze the effectiveness of Services and third-party marketing activities; (d) monitor aggregate site usage metrics such as total number of visitors and pages viewed; and (e) track your entries, submissions, and status in any promotions or other activities.
G. If you request access to your consumer credit reports, we may use it (1) to provide you with access to your free credit score, including periodic updates to your credit score, and (2) to make recommendations 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 NerdWallet partners.
III. How We Share Your Information
A. We may disclose your information in connection with providing the Services and the operation of our business. For example, we may share personal information, such as name, email, address, Social Security number and other identifying information, with nonaffiliated third-party service providers to verify your identity in connection with your use of certain aspects of the Services. For example, we may ask for your Social Security number, or a portion of it, to verify your identity in connection with services that enable you to see your current credit score or other financial information.
B. We may share information collected directly from you with nonaffiliated third-party lending partners or third-party service providers in connection with your use of specific aspects of the Services. Some examples include but are not limited to:
- When you request to prequalify for a third-party loan or credit card product on our Site.
- When you request additional or personalized information regarding financial product offers from third party financial service aggregators we partner with.
- When you request access to your credit report or score.
- When you request access to your third-party banking, credit card, retirement or investment products on our Site.
- When you report a complaint about a product or a third-party lending partner featured on our Site we may forward your complaint to that lending partner.
- When you request answers or advice through our Services, NerdWallet may provide certain of your information to third party experts, advocates, and advisors.
C. We may share automatically collected information such as IP address as well as de-identified information with nonaffiliated third-party lending partners when you leave our Site (for example, from a rate table or review) to go to a third-party lender site to request information or apply for financial products.
D. We may share your credit report and other personal information with our wholly owned NerdWallet subsidiaries in order to provide you with recommendations on financial products and services that might be of interest to you.
E. We may share your information with third-party service providers to support our internal and business operations. In such cases, service providers may use the information only as necessary to provide the services to us and are contractually required to keep your information confidential and secure. For example:
- For website, application development, hosting, data storage, maintenance, and other services for us.
- For internal marketing, delivery of emails, including promotional, marketing and transactional materials, delivery of other promotional materials, including via postal mailers, SMS and text messaging, and online and social media promotions and advertising.
- For fraud prevention and security purposes.
F. When you choose to share your own information on a publicly accessible area of the Site, such as a public profile page or any section where you can publicly submit questions to us or our third-party partners, that information will be available to anyone who is able to access that content, including other Site users. Additionally, questions you submit and answers provided by third parties may be posted on our Site and viewable by other users and the public.
G. We may share deidentified and/or aggregate analytics with third-party partners about how users interact with our Services, including usage patterns for certain programs, content, services, advertisements, promotions, and/or functionality available through the Service.
H. We may disclose your information if required to do so by law or in the good-faith belief that such action is necessary to comply with state and federal laws (such as copyright law), in response to a court order, judicial or other government subpoena or warrant, or to otherwise cooperate with law enforcement activity.
J. If you submit a request through our Services, a third-party service provider may directly contact you with quotes or information via telephone, fax, and/or email. You may also receive telemarketing calls as a result of submitting the request, even if you are on the National Do Not Call Registry or any other similar registry.
L. You may, of course, decline to share certain information with us, in which case we may not be able to provide to you some of the features and functionality of the Services.