Welcome to Simppa (“Simppa,” “we,” “our,” or “us”). Your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit www.simppa.us, use our mobile applications, apply for financial products, or otherwise interact with our services.
By using our Services, you agree to the practices described in this Privacy Policy.
Information We Collect
Information You Provide
We may collect information you voluntarily provide, including:
- Full name
- Email address
- Phone number
- Mailing address
- Date of birth
- Social Security Number or Tax Identification Number
- Government-issued identification
- Employment information
- Income and financial information
- Bank account information
- Payment card information
- Login credentials
- Communications with customer support
Some of this information is required to comply with federal banking regulations, identity verification requirements, and fraud prevention obligations.
Information Collected Automatically
When you use our Services, we may automatically collect:
- IP address
- Browser type
- Device identifiers
- Operating system
- Mobile device information
- Location data (where permitted)
- Cookies and similar technologies
- Website usage information
- App usage analytics
Information From Third Parties
We may receive information from:
- Identity verification providers
- Credit reporting agencies
- Banking partners
- Payment processors
- Fraud prevention services
- Marketing partners
- Public records
- Government databases where legally permitted
How We Use Your Information
We use your information to:
- Create and manage your account
- Verify your identity
- Process applications for financial products
- Underwrite credit products
- Prevent fraud and financial crimes
- Comply with Know Your Customer (KYC), Anti-Money Laundering (AML), and other legal obligations
- Process transactions
- Provide customer support
- Improve our products and services
- Personalize your experience
- Communicate important account information
- Send marketing communications (where permitted)
- Protect the security of our platform
- Detect unauthorized activity
- Meet legal and regulatory requirements
How We Share Information
We do not sell your personal information.
We may share information with:
- Banking partners
- Credit card issuing partners
- Payment processors
- Identity verification providers
- Credit bureaus
- Fraud prevention services
- Cloud hosting providers
- Analytics providers
- Customer support vendors
- Legal and regulatory authorities when required
- Successors in the event of a merger, acquisition, or sale of assets
All third-party providers are contractually required to protect your information.
Credit Reporting
If you apply for a financial product through Simppa, we may obtain consumer reports from one or more credit reporting agencies.
Where permitted by law, we may also furnish account information to consumer reporting agencies regarding your payment history and account performance.
Cookies
We use cookies and similar technologies to:
- Keep you logged in
- Remember preferences
- Improve website performance
- Measure website traffic
- Detect fraud
- Personalize content
Most browsers allow you to disable cookies, although some features may not function properly.
Data Security
We maintain administrative, technical, and physical safeguards designed to protect your information.
Security measures may include:
- Encryption in transit
- Encryption at rest
- Multi-factor authentication
- Secure data centers
- Continuous monitoring
- Access controls
- Regular security assessments
While we strive to protect your information, no system can guarantee absolute security.
Data Retention
We retain personal information for as long as necessary to:
- Provide our Services
- Comply with legal obligations
- Resolve disputes
- Enforce agreements
- Meet regulatory recordkeeping requirements
Retention periods vary depending on applicable laws and the nature of the information.
Your Privacy Rights
Depending on where you live, you may have the right to:
- Access your personal information
- Correct inaccurate information
- Delete eligible personal information
- Request a copy of your data
- Limit certain processing
- Opt out of certain marketing communications
- Appeal certain privacy decisions where applicable
We will respond to verified requests in accordance with applicable law.
California Privacy Rights
If you are a California resident, you may have rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), including rights to:
- Know what personal information we collect
- Request deletion of eligible information
- Correct inaccurate information
- Limit certain uses of sensitive personal information where applicable
- Receive equal service regardless of exercising your privacy rights
We do not sell personal information as defined by California law.
Children’s Privacy
Our Services are intended only for individuals who are at least 18 years old.
We do not knowingly collect personal information from children under 13.
If we become aware that we have collected information from a child, we will delete it promptly.
Marketing Communications
You may opt out of promotional emails by using the unsubscribe link contained in those emails.
We may continue sending transactional communications related to your account, applications, or financial products.
Third-Party Websites
Our Services may contain links to third-party websites.
We are not responsible for the privacy practices or content of those third parties.
International Users
Our Services are intended for users located within the United States.
If you access our Services from outside the United States, you understand that your information may be transferred to and processed in the United States.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time.
If material changes are made, we will update the Effective Date and provide additional notice where required by law.
Your continued use of the Services after changes become effective constitutes acceptance of the updated Privacy Policy.
Contact Us
If you have questions regarding this Privacy Policy or our privacy practices, please contact us.
Simppa
Website: https://www.simppa.us
Email: [email protected]