PRIVACY
POLICY
Last Updated: February 5th, 2024 | Download PDF
Privacy Policy
Altro shares personal information for Altro credit card applicants and borrowers with our partner bank, Hatch Bank. You can review Hatch Bank's privacy practices here.
Altro, Inc. (“Altro” or the “Company”) ("Altro," the “Company,” "we," "us" and/or "our") is dedicated to protecting your personal information and informing you about how we use it. This privacy policy (the "Privacy Policy" or the "Policy") is intended to provide information to our visitors and users ("you" or "your") about how we collect, protect, share and use your information when you use the Altro website, www.altro.io, including any subdomain thereof (the “Website”), the Altro mobile application (the “App”) and/or products and services offered, operated or made available by, or through, the Company (the Website, App and products and services of Altro are collectively referred to as the "Services". Reference to the Services includes any portion of the Services). Any capitalized term that is not defined in this Privacy Policy shall have the meaning given to it in the Terms of Use. This Privacy Policy outlines how and when Altro collects, protects, shares, and uses information that can identify you individually ("Personal Information"), such as your name, email, or telephone number. Personal Information does not include information that is anonymous, aggregated, or can no longer be used to identify you as an individual. Additional privacy rights and notices apply if you are a California resident. See the section below called Your California Privacy Rights for more information about your rights under California law.
Your use of our Website or App may include, but is not limited to, your requests for financial products or services provided by third parties, such as our bank partners and certain other service providers. Information you provide through the Website or App to those bank partners and certain other services providers, or to us when we are acting as a service provider on behalf of bank partners and certain other services providers , will be governed by those entities’ privacy practices.
This Privacy Policy covers the privacy practices of Altro only. This Policy does not apply to the practices of third-party websites, services, or applications, including bank partners and certain other services providers with which we contract. These third-party services are governed by each such third party’s privacy policy. Altro is not responsible for the privacy policies and practices of websites other than that of Altro, and Altro is not responsible for the failure of unaffiliated third parties to honor their privacy obligations.
We may amend this Privacy Policy at any time by posting a revised version on our Website and the App. The revised version will be effective at the time we post it.
Acceptance of Privacy Policy
By using the Website or App, you signify your acceptance of this Privacy Policy. If you do not agree to the terms of this Privacy Policy, please do not use the Website or App. Your continued use of the Website or App following the posting of changes to these terms will mean that you accept those changes.
If you breach or violate the rules, restrictions, limitations, terms, and/or conditions that apply to the Website, the App, or in connection with the Services, or otherwise communicated to you, Altro may terminate, discontinue, suspend, and/or restrict your ability to access, visit, and/or use the Website, App and the Services, with or without notice. Altro may further restrict or refuse to provide you with any future access and/or use of the Services. Finally, Altro reserves the right to take any technical, legal, and/or other actions that it deems necessary and/or appropriate, with or without notice.
Information We Collect About You and How We Collect It
We collect certain information from and about visitors and users of our Website, including:
Information by which you may be personally identified, such as your name, social security number, phone number, and other contact details;
Information about your internet connection, the equipment and devices you use to access our Website, the dates and times you use the Website, and other Website usage;
Payment information you provide; and
any other information you may provide to us voluntarily through your use of our
Services.
We collect this information:
Directly from you when you provide it to us through the Website;
Automatically as you navigate the Website, including IP addresses, and
information collected through cookies and other tracking technologies; and
From third parties, for example, financial institutions with whom we contract to
provide financial services and other non-financial institution service providers.
Information You Provide To Us
The information we collect on or through our Website includes:
Information you choose to provide to us when you use the Website to request or obtain our Services or otherwise interact with us, which may include your name, residential address, email address, date of birth, phone number, and income information (together, your “Personal Information”);
Information we may request from you if you enter a contest or promotion we sponsor or when you report a problem with our Website;
Records and copies of your correspondence with us, if you contact us; and
Details of transactions and search queries you may carry out through the Website.
How We Use Information
In general, Altro uses information we collect through the Website to:
Provide products and services you request;
Improve our offerings to you, including to develop new products and services;
Communicate with you or provide notices in connection with such products and
services;
Process and respond to customer inquiries and provide support;
Detect security incidents and prevent fraud and illegal activities;
Fulfill our legal requirements and enforce our agreements;
Improve Site content, functionality, and usability;
Communicate with you, either directly or through our service providers, including
for marketing and promotional purposes;
Improve our marketing and promotional activities; and
For our other legitimate business purposes permitted by law.
The information collected in connection with a financial product or service provided by a bank partner may be used (as applicable) to:
Generate your borrower profile or process your loan or account application on behalf of the bank partner;
Enable automatic payments and fund transfers with other financial institutions; and
Communicate with you concerning your account and transactions.
Information We Share
We may disclose aggregated information about our users, and information that does not identify any individual, without restrictions.
Unless otherwise stated, we may disclose Personal Information that we collect or you provide as described in this Privacy Policy:
To our affiliates;
To our bank partner that you request an offer of credit from or who declines to
approve you for a loan when you request a loan offer;
To our service providers, contractors, and other third parties who support our
business operations;
To fulfill the purpose for which you provide any Personal Information;
For any other purpose we disclose when you provide any Personal Information;
and
With your consent.
We may also disclose Personal Information:
To law enforcement, government officials, or other third parties when (1) we are compelled to do so by a subpoena, court order, or similar legal procedure, (2) we need to do so to comply with law, or (3) if we believe in good faith that the disclosure of your personal information is necessary to prevent physical harm or financial loss or to report suspected illegal activity;
To enforce or apply the terms of this Privacy Policy and other agreements between you and us, including for billing and collection purposes; and
If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Altro, our service providers, our customers, or others.
Altro will not sell or rent any of your personal information to third parties and only shares your personal information with third parties as described above.
How We Protect Information
No method of transmission over the Internet or electronic storage is 100% secure; however, we care about the security of your information and take reasonable measures designed to protect your personal information from unauthorized access and use by maintaining physical, electronic, and procedural safeguards in compliance with applicable law. These measures include computer safeguards and secured files and buildings.
You are responsible for maintaining the secrecy of your unique password and account information, and for controlling access to your email communications from us at all times. However, we cannot ensure or warrant the security of any information you transmit to us or guarantee that information may not be accessed, disclosed, altered, or destroyed. By using our Website and/or Services, you agree to assume all risk in connection with the information sent to us or collected by us when you access, visit, and/or use the Service. This includes, without limitation, any personally identifiable information that you provided to Altro. Altro and any bank partner are not responsible for any loss of such information or the consequences thereof.
In the event that any information under our control is compromised as a result of a breach of security, we will take reasonable steps to investigate the situation and where appropriate, notify those individuals whose information may have been compromised and take other steps, in accordance with any applicable laws and regulations.
Third-Party Websites
This policy only applies to our website, apps, or online services. Our Services may contain links to other websites, apps or online services not operated or controlled by Altro (“Third-Party Websites”). The policies and procedures described here do not apply to Third Party Websites. By providing links to Third-Party Websites or services, we do not imply that we endorse or have reviewed such websites or services. We suggest that you contact those sites directly for information about their data practices and policies, and we encourage you to read their privacy policies before providing any information to them.
Do Not Track Signals
Our Website currently does not respond to “Do Not Track” (“DNT”) signals and operates as described in this Privacy Policy whether or not a DNT signal is received. If we do so in the future, we will describe how we do so in this Privacy Policy.
Children’s Privacy
This Website is not intended for children or minors under the age of 18. We do not knowingly collect personal information from, or market to, children under the age of 13. If we become aware that a child under the age of 13 has provided us with personal information, we will take steps to comply with applicable legal requirements to remove such information.
Your California Privacy Rights
This section provides additional details about the personal information we collect about California consumers and the rights afforded to them under the California Consumer Privacy Act (“CCPA”). Personal information does not include publicly available information from government records; de-identified or aggregated consumer information; and information governed by the federal Gramm-Leach-Bliley Act (GLBA), the federal Fair Credit Reporting Act, the California Financial Information Privacy Act, or the Driver’s Privacy Protection Act.
In the last 12 months, we may have collected the following categories of personal information: identifiers (such as name and contact information), demographic information (such as age and gender), commercial information (such as products purchased), internet or other electronic network activity information (such as browsing behavior), geolocation data, audio, electronic, visual or similar information (such as customer support calls), and inferences we make (such as preferred activities).
We may use or disclose the personal information we collect for one or more of the following purposes:
To fulfill or meet the reason you provided the information. For example, if you share your name and contact information to request a price quote or ask a question about our products or services, we will use that personal information to respond to your inquiry. If you provide your personal information to purchase a product or service, we will use that information to process your payment and facilitate delivery. We may also save your information to facilitate new orders or process transactions.
To provide, support, personalize, and develop our Website, products, and services.
To create, maintain, customize, and secure your account with us.
To process your requests, purchases, transactions, and payments and prevent
transactional fraud.
To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
To personalize your Website experience and to deliver content and product and service offerings relevant to your interests, including targeted offers and ads through our Website and via email or text message (with your consent, where required by law).
To help maintain the safety, security, and integrity of our Website, products and services, databases and other technology assets, and business.
For testing, research, analysis, and product development, including to develop and improve our Website, products, and services.
To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
As described to you when collecting your personal information or as otherwise set forth in the CCPA.
To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our Website users and consumers are among the assets transferred.
We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
Subject to certain exemptions, the CCPA provides California consumers with the following rights:
Right to Know and Data Portability
You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months (the “right to know”). Once we receive your request and confirm your identity (see Exercising Your Rights to Know or Delete), we will provide you with required information.
Right to Delete
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions (the “right to delete”). Once we receive your request and confirm your identity (see Exercising Your Rights to Know or Delete), we will review your request to see if an exception allowing us to retain the information applies. We may deny your deletion request as allowed by law.
We will delete or de-identify personal information when required by law and will direct our service providers to take similar action.
Exercising Your Rights to Know or Delete
To exercise your rights to know or delete described above, please submit a request by either:
Emailing us at: support@altro.io; or
Writing us at: Post Office Box 15448, Los Angeles, CA 90015
We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.
You do not need to create an account with us to submit a request to know or delete.
We will only use personal information provided in the request to verify the requestor’s identity or authority to make it.
Response Timing and Format
We will confirm receipt of your request within ten (10) business days. If you do not receive confirmation within the 10-day timeframe, please contact us using the contact information included in the section above called Exercising Your Rights to Know or Delete.
We endeavor to substantively respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to another 45 days), we will inform you of the reason and extension period in writing.
If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option.
Any disclosures we provide will only cover the 12-month period preceding our receipt of your request. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
Non-Discrimination
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
Deny you goods or services.
Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
Provide you with a different level or quality of goods or services.
Suggest that you may receive a different price or rate for goods or services or a
different level or quality of goods or services.
We do not sell the personal information we collect.
California consumers may make a rights request by contacting us at the information below.
Changes to this Policy
Altro may revise this Policy from time to time without prior notice to you, and any changes will be effective immediately upon the posting of the revised Privacy Policy on the Website and the App. You should bookmark and periodically review this page to ensure that you are familiar with the most current version of this Policy. You can determine when this Policy was last revised by checking the "Last Updated" legend at the top of the Policy.
Questions about this Policy
If you have any questions or concerns about this Policy, you can contact us at:
Altro
844-671-0211
The following Privacy Notice applies if you request or receive a financial product or service through Altro.
Altro Financial Privacy Notice - July 2023