Verge Credit powered by Stride Bank

Privacy policy

Effective date:
Last updated date:

Thank you for your interest in Avío Credit, Inc. dba Verge Credit (“Avio Credit,” “Verge Credit,” “we,” or “us”). Verge Credit is a brand associated group of companies which provides, or arranges, for consumers to obtain various financial products and services such as loans. We welcome you to our website at https://www.vergecredit.com, as well as all related websites (the ‘Site’), and products and services provided by us and certain third parties (collectively, together with the Site, our ‘Service’). By accessing or using the Service or the Site, you acknowledge that you have read, understood, and agree to the terms of this privacy policy (‘Privacy Policy’). If you cannot agree to the Privacy Policy, then please do not use the Service or the Site. As you use our Service, you may provide us with information about you, including information that can be used to identify you. This Privacy Policy explains (1) your responsibilities when using the Site and the Service, and (2) how Verge Credit may collect, use, and disclose information you provide us and other information we receive related to your use of the Service.

If you have questions about this Privacy Policy, please contact us.
1-855-896-3915 PrivacyPolicy@VergeCredit.com

What does Verge Credit do with your personal information?

We collect information from a variety of sources, including information provided by you, information we collect when you visit our Site, transaction information, and information we collect about you from third party sources. This information may include:

  • Social Security Number
  • Account Balances, Employment Information and Income
  • Credit History and Scores
  • Name
  • Physical Mailing Address, including Zip Code
  • Email Address
  • Telephone Number(s)
  • Mobile Number(s)
  • Username

Why?

Financial companies choose how they share your personal information. Federal law, along with some state laws, give consumers the right to limit some, but not all, sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this Privacy Policy carefully to understand how we use your information. Please note: If you are using our Service you will also acknowledge our third party partner Stride Bank’s privacy notice and that information will be shared with Stride to fulfill your Service request. To view Stride’s Privacy Policy please visit https://stridebank.com/privacy-policy.html. If you are a new Customer, we can begin sharing your information with other third party partners 30 days from the date you complete your first transaction with us. When you are no longer our Customer, we continue to share your information as described in this Privacy Policy; you can contact us at any time, however, to limit our sharing.

How can I review or update my personal information?

You may review and update the personal information we hold about you by signing into your personal account at VergeCredit.com or by contacting Customer Support at PrivacyPolicy@VergeCredit.com.

How does Verge Credit collect my personal information?

We collect personal information from you as you use our Service but only as allowed by law. We limit the collection of personal information to what is relevant and necessary to accomplish a lawful purpose.

Automatically collected information

We do not collect home, business or email addresses, or account information from people who simply browse our Site. The information we do automatically collect includes the domain name or Internet Protocol address that relates to the machine or device used to access our Site, the type of browser and operating system used, the date and time when the Site is visited, device ID if you are on a mobile device, geolocation data and web pages displayed.

Like many websites, this Site uses "session cookies" and "persistent cookie" technology. Persistent cookies are small text files that our Site places within your browser so that it can remember you when you show up again later—like cookie crumbs. None of these cookies store any of your personal information. We use persistent cookies to enhance your experience on our Site while also protecting your privacy, as well as enhancing the functionality and performance of our Site, and for analytical purposes. On our Site, temporary cookies, also called session cookies, may be placed within your browser and expire as soon as you exit our site. Typically, session cookies are used to facilitate interactions between you and the fields in forms on our Site.

Managing cookie preferences differs from browser to browser, please refer to your web browser for further information. If you would like to disable cookies from VergeCredit.com, please use the help function in your web browser to restrict cookies from our Site.

Google Analytics

We use Google Analytics, a web analytics service provided by Google, Inc. Google Analytics uses Cookies or other tracking technologies to help us analyze how users interact with the Site, compile reports on the Site’s activity, and provide other services related to Site activity and usage. The technologies used by Google may collect information such as your IP address, time of visit, whether you are a returning visitor, and any referring website. The technologies used by Google Analytics do not gather information that personally identifies you. The information generated by Google Analytics will be transmitted to and stored by Google and will be subject to Google’s privacy policies. To learn more about Google’s partner services and to learn how to opt-out of tracking of analytics by Google, click here.

Third Party Collection

Although we do not collect personally identifiable information on consumers that only visit our Site, there exists the possibility that other third parties conduct online tracking on our Site over which we do not control. Such third parties may collect Personal Information about your online activities over time and across different websites when you use our Site. We do not control these third parties, who may engage in practices that differ from those described in this Privacy Policy.

We use data collected by mobile carriers for the purpose of verifying identity and preventing fraud. We may continue to access and use this data throughout the duration of the business relationship.

When logging into a third party service (such as a social network) or a website different from our Service, please be aware that the privacy practices of those services may differ. Use of the information will be governed by their privacy policies, and you may be able to modify your privacy settings on their websites. We encourage you to read the privacy policy for each website you visit. We are not responsible for the privacy policies or practices of linked third party sites or services.

Online Tracking

We partner with companies that deliver ads for our Services on sites that you visit on the web. In order to provide you with a more appropriate online experience, some of our ads that you may see are based on your previous online activity on our Site and other websites. Information about your online activities, combined with other information, may be used to select an ad for a product or service that better matches your interests - which is called online behavioral advertising (OBA) or interest-based advertising.

You can opt out from receiving ads based on your online behavior either by visiting the Digital Advertising Alliance (DAA) opt out page at http://www.aboutads.info/choices/. If you elect to opt out of OBA, you will still see ads, but they may not be as pertinent to you. Please keep in mind that opting out is cookie-based and will only affect the specific computer and browser on which the opt-out cookie is applied. If you delete your browser cookies or if you use a different computer or a different browser and want to continue to be opted out of OBA, you will need to opt out again.

How We Respond to Do Not Track Signals

Our Site does not currently have the capability to recognize the various Do Not Track signals or mechanisms from different web browsers. For more information on Do Not Track please visit https://allaboutdnt.com.

How does Verge Credit use my personal information?

Verge Credit uses your personal information for the following reasons:

  • Provide you with our Service;
  • Process your transactions;
  • Maintain your accounts;
  • Facilitate the underwriting and funding of loans;
  • Communicate with you if there is a problem completing a transaction you requested or to discuss a problem with your account;
  • Implement collection activities as needed;
  • Maintain regular communications with you concerning transactions you initiate, such as requesting information or assistance, submitting a loan request, making payments, or transferring funds;
  • Maintain general communications with you about the Site and Service;
  • For marketing purposes;
  • Respond to court orders and legal investigations;
  • Provide you with Customer Service and support;
  • Safeguard against potential fraud;
  • Protect data from unauthorized parties and comply with legal requirements;
  • Enforce this Privacy Policy, Terms of Use, and any other agreements you have entered into with us;
  • For any other purpose for which you provide consent; and
  • For any other legitimate business purpose.

We may deidentify and aggregate data collected through the Service and use it for any purpose.

How does Verge Credit share my personal information?

All financial companies need to share Customer's personal information to run their everyday business. In the section below, we list the reasons financial companies can share their Customer's personal information; the reasons Verge Credit chooses to share; and whether you can limit this sharing.

How and Why Verge Credit Shares Information
Reasons we can share your personal informationDoes Verge Credit Share?Can you limit this sharing?
For our everyday business purposes, we share your personal information with service providers to perform our Service, such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureausYesNo
For our marketing purposes we share your personal information in order to offer our products and services to youYesNo
For joint marketing, we share your personal information with other financial companiesYesNo
For our affiliates' everyday business purposes we share your personal information about your transactions and experiencesYesNo
For our affiliates' everyday business purposes we share your personal information about your creditworthinessYesYes
For our affiliates to market to youYesYes
For our non-affiliates to market to youYesYes
To detect, investigate, prevent, or take action against illegal activities or fraudYesNo
If we are involved in a merger, acquisition, financing due diligence, reorganization, bankruptcy, receivership, sale of assets, or transition of service to another providerYesNo
For any other legitimate business purposes allowed by lawYesNo
Affiliate Marketing: We will not share phone numbers or text message opt in consents with any of our affiliates for joint marketing purposes. In order to receive text messages from our affiliates, you will have to explicitly opt in and consent to their privacy policy directly with them.

To limit our sharing

Click here to access our opt-out mail form.

How does Verge Credit protect my personal information?

We take reasonable administrative, technical, and physical security precautions to protect the personal information collected or maintained by us against loss, unauthorized access, and illegal use or disclosure. As examples, these measures include computer safeguards and secured files and buildings, among other things. We use encryption software to protect the security of individuals' personal information during transmission of such information through our Site (for example, the information provided by consumers when submitting an application to us for a loan product). Unfortunately, the Internet cannot be guaranteed to be 100% secure, and we cannot ensure or warrant the security of any information you provide to us. We do not accept liability for unintentional disclosure of your personal information.

Children’s Privacy

The Services are not intended for use by children. We do not knowingly collect personal information from children under the age of 16 years. Please contact us if you believe we may have unknowingly collected information about a child under 16 years of age, and we will take immediate steps to delete any such personal information.

Data Retention

The data collected will be retained as necessary to perform our Services and for a reasonable period of time afterward. Please be aware that some or all of the data retained by us may be necessary for the Site to function properly.

Changes

Our Privacy Policy reflects our current business practices and is subject to change without notice.

We reserve the right, in our sole discretion, to modify, add, revise or delete provisions of our Privacy Policy at any time. If our practices change regarding your Personal Information, we will make reasonable efforts to provide notice to you of these changes. Your use of the Service after an update to the Privacy Policy means that you accept the new Privacy Policy. We will post the effective date of any change at the beginning of our Privacy Policy. We encourage you to visit our Site regularly so that you remain aware of how our Privacy Policy may affect you.

Contact Us

1-855-896-3915PrivacyPolicy@VergeCredit.com

Verge Credit
Attn: Privacy
3615 N Ridge Rd
Wichita, KS 67205

Definitions

Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include companies with a common ownership as Verge Credit.
Non-affiliates
Companies not related by common ownership or control. They may be financial and nonfinancial companies. Non-affiliates include marketing companies which sell information for marketing purposes.
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Joint marketing partners include pre-paid card companies, partners that promote our products, and other lending companies.

NOTE: Verge Credit is not the lender. The actual lender is an unaffiliated third-party. To view the Privacy Policy of the lender, please visit https://stridebank.com/privacy-policy.html.

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© 2021 Verge Credit. All Rights Reserved.

NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency, Customer Assistance Group, 1301 McKinney Street, Suite 3450, Houston, TX 77010-9050.

Loans are underwritten and originated in Salt Lake City, UT by Stride Bank, N.A., member FDIC, and serviced by Verge Credit. Stride Bank 331 S. Rio Grande St., Ste. 307 Salt Lake City, UT 84101

Verge Credit may make phone calls or deliver SMS text messages to your phone number based on your account settings. To view details, please refer to the Phone Terms of Use and the SMS Terms of Use.