Welcome to Fair's Privacy Hub page. For your convenience, we have organized everything regarding your privacy at Fair, all in one place.

Fair Privacy Policy

Fair stands for the freedom of personal mobility to all who want it. Every member of our team is dedicated to the cause. Fairness matters.

We understand the value of privacy. When you use the Fair mobile application ("App") and our websites, products, or services (collectively, the "Services"), you trust us with your information. We want to assure you that we respect your privacy and the confidential nature of the information that we gather during the course of our relationship with you.

This Privacy Policy is meant to help you understand what data we collect, why we collect it, and what we do with it. Please take a few minutes to read this Privacy Policy carefully so you may understand our practices toward your personal information is used and the measures we take to protect your personal information. By using our Services, you agree to the practices described in this Privacy Policy.

What Information We Collect.

Personal Information. "Personal information" is defined as any information that you may provide to us that can be used to identify you individually, including, but not limited to, contact information, home address, fax numbers, driver's license number, state identification card number, bank account number, credit card or debit card number, passport number, alien registration number, as well as any company account number that we assign to you.

Nonpersonal Information. You can use certain Services to obtain certain information without revealing any personally identifiable information. During these types of visits, we may collect, analyze, or share such information on an anonymized basis. We use this information to generate statistics and measure the activity of our Services in order to improve the usefulness of the Services and the customer experience.

How We Collect Information.

Information You Provide: When you use the our services, we may collect personal information that you provide via forms, applications, surveys, other online fields during your usage of the Services. We also collect information from third parties. This information may include, but is not limited to, your name, postal or email address, Social Security number, mobile telephone number(s), username and password.

Information We Collect Passively: We may passively collect information such browser type, ISP, referring/exit pages, operating system, access date/time stamp, and clickstream data. We use this information to improve the usability of our Services.

We and third parties may use cookies, clear gifs, and other technologies to help us gather statistical information that does not include personally identifiable information in order to improve your experience with our Services, save your preferences, and to serve you better ads. Cookies are pieces of information that a website or mobile device application transfers to an individual's devices or drives to track application and user activity. Most web browsers automatically accept cookies and session IDs, but you may be able to disable cookies by making the appropriate selection from your browser options. Note that by doing so, the functionality we can provide may be limited.

Additionally, we use data analytics tools like Google Analytics and other third-party technologies to understand how users interact with our advertisements and Services. For more information, you can visit www.google.com/policies/privacy/partners/ ("How Google Uses Information From Sites Or Apps That Use Our Services"). You may opt out of receiving certain advertising tailored to you from third parties. If you would like to opt out of behavioral advertising or to learn more, please visit: http://www.aboutads.info/choices/ or  https://policies.google.com/technologies/ads or http://optout.networkadvertising.org/?c=1#!%2F . Options you select are browser and device specific.

We adhere to the Digital Advertising Alliance’s ("DAA") Self-Regulatory Principles. We may partner with third party companies that collect web viewing data from our Services as well as from other non-affiliated websites and mobile apps over time in order to infer your interests and to deliver more relevant advertising to your browser or device, as well as browsers and devices associated with you. This type of advertising is known as interest-based advertising. To learn more about this type of advertising for your browser, and your choices about it for companies that participate in the Digital Advertising Alliance’s ("DAA") WebChoices tool, you can visit  www.aboutads.info/choices . To learn about your choices about this activity on your mobile device for companies that participate in the DAA’s AppChoices you can download the appropriate version of the app from  www.youradchoices.com/appchoices . When you exercise choice through these tools, data will no longer be collected from that browser or device for interest-based advertising, and data collected from associated browsers or devices will not be used on the browser or device for interest-based advertising on the browser or device where choice was exercised.

How We Use Your Information.

We use this information to:

  • Process your request for Services, products or information and verify your identity;
  • Improve the quality of our Services and develop new ones;
  • Improve security by protecting against fraud and abuse;
  • Allow you to access Services and accounts, and to service your account;
  • Communicate with you about the Services and your accounts;
  • Provide you with personalized offers;
  • Provide technical support to the Services;
  • Comply with applicable legal requirements and protect our legal rights and the legal rights of our users and other third parties;
  • Conduct analytics and measurement to understand how our Services are used;
  • Engage in other legitimate business activities as permitted by law; and
  • Comply with your requests and to carry out any specific purposes for which we have obtained your consent.

How We Share Your Information.

We may share your information with our service providers, affiliates, and other third parties for the reasons specified above and in accordance with the Privacy Policy.

We may share your information with third parties to provide the Services you have requested. This may include companies that assist us in processing transactions, preparing and mailing statements, performing marketing services for us, or financial service providers. For example, we use third party service provider Plaid Technologies, Inc. ("Plaid") to authenticate and gather your data from your banks or financial institutions. Plaid enables our App to connect with your bank accounts. By using our Services, you authorize us and Plaid to act on your behalf to access and transmit your personal and financial information from your banks or financial institutions. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with Plaid's privacy policy found at: https://plaid.com/legal.

We may also share your personal information in the event of a potential or actual merger, asset sale, financing, corporate divestiture, reorganization or acquisition involving our business, including any transfer made as part of insolvency or bankruptcy proceedings. We may share information about you with our affiliates (i.e., other companies in the Fair family) and with nonaffiliates for analysis, market research and marketing purposes as allowed by law. We may also disclose information about you as required or permitted by law, such as to comply with a subpoena, respond to inquiries from government authorities, or defend legal actions. Finally, we may disclose your personal information as otherwise permitted or required by law.

Security.

To protect the confidentiality and security of your personal information transmitted to us, we maintain appropriate administrative, technical, and physical safeguards that comply with applicable federal standards. We restrict access to the personal information obtained from our website to only those employees, agents, and contractors who need it to do their jobs. If you choose to complete and submit a credit application to us, or to access your account through our App, your personally identifiable information will be transmitted via an encryption process. We also require our service providers with whom we contract to protect customer information, and to use the information they collect or receive for the sole purpose of providing the services they provide for us. Please note, however, that no data transmission over the Internet or other network can be guaranteed to be 100% secure. It is your responsibility to keep your username and password confidential and safe. We will retain your information as needed for the purposes of servicing your relationships with us, if any, and for internal analysis in compliance with applicable laws and regulations.

Third Party Links.

The App and our Services may include links to third party sites or social media applications like Twitter, Snapchat, Instagram, or Facebook. Because these features are hosted by third parties , when you leave our environment, your interactions with these third party apps, sites, or features are governed by the privacy policy and practices of the respective company and not this Privacy Policy.

Your Rights and Choices.

If you obtain Services through us, we will use and share financial information we collect from or about you in accordance with our Privacy Notice, found here. California residents can view the California-specific opt-out notice here. These notices supplement this Privacy Policy by offering you certain choices with respect to the use and sharing of your financial personal information.

In addition, you may visit our Privacy Hub to learn how to access or delete your personal information and exercise certain other data rights you may have with regard to your personal information.

At this time, our Services do not respond to do-not-track signals.

Changes to this Policy.

As permitted by law, we may change, modify, or adjust our Privacy Policy as needed. Any revisions will be posted in a timely manner. Your continued use of the Services following the effective date of any posted revisions constitutes your consent to any changes to this Privacy Policy.

Notice to California Residents – Your California Privacy Rights.

California residents can view their specific privacy rights here.

Connecticut Privacy.

Pursuant to Connecticut General Statutes Sec. Section 42-471, it is the policy of Fair to protect the privacy of your personal information by doing the following:

  1. Safeguarding any data, computer files and documents containing your personal information from any misuse by third parties;
  2. Destroying, erasing or making unreadable any data, computer files and documents containing your personal information prior to their disposal;
  3. Protecting the confidentiality of your Social Security number and other personal information;
  4. Prohibiting the unlawful disclosure of your Social Security number and other personal information;
  5. Limiting and/or restricting the access to your Social Security number and other personal information to other third parties; and
  6. Limiting the access of your Social Security number and other personal information only to our employees who need access to your personal information in order to allow us to provide legal services to you, limiting the access of these employees to extent that it is needed, and otherwise imposing restrictions and reasonable safeguards on our employees to prevent them from accessing your personal information.

Children's Privacy

Our Services are not directed to individuals under the age of 18 and we do not knowingly collect personal information from individuals under the age of 18. If you believe that we have personal information about a child, please notify us immediately, and we will delete the information quickly as possible

Contact.

If you have any questions, please contact us at privacy@fair.com.

Last Updated: June 1, 2020

v.2.0.2