Privacy Policy

Last Updated: November 20, 2024

1. Introduction

ScratchPay Vet Cash ("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services.

2. Information We Collect

2.1 Personal Information

We collect information that you provide directly to us, including:

• Name, address, email address, and phone number
• Date of birth and Social Security Number (for identity verification and credit decisions)
• Financial information (bank account details, income information)
• Employment information
• Veterinary clinic and pet information

2.2 Automatically Collected Information

• Device information (IP address, browser type, operating system)
• Usage data (pages visited, time spent, links clicked)
• Cookies and similar tracking technologies

3. How We Use Your Information

We use your information to:

• Process your financing application and manage your account
• Verify your identity and assess creditworthiness
• Communicate with you about your account and our services
• Improve our website and services
• Comply with legal obligations and prevent fraud
• Send marketing communications (with your consent)

4. Information Sharing

We may share your information with:

• Veterinary Clinics: To process payments and verify approvals
• Credit Bureaus: For credit reporting and decisioning
• Service Providers: Third parties who perform services on our behalf
• Legal Authorities: When required by law or to protect our rights
• Business Transfers: In connection with a merger, sale, or acquisition

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. This includes:

• SSL encryption for data transmission
• Secure servers and databases
• Regular security assessments
• Employee training on data protection
• Access controls and authentication procedures

6. Your Rights and Choices

You have the right to:

• Access and review your personal information
• Correct inaccurate information
• Request deletion of your information (subject to legal requirements)
• Opt-out of marketing communications
• Object to certain processing activities
• Request a copy of your data

7. Cookies and Tracking

We use cookies and similar technologies to enhance your experience, analyze usage, and deliver personalized content. You can control cookies through your browser settings.

8. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect information from children.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by posting the new policy on our website with an updated "Last Updated" date.

10. Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us:

• Email: [email protected]
• Phone: 1-800-SCRATCH
• Mail: ScratchPay Vet Cash, Privacy Department, [Address]