A. Users Information and Privacy

Effective Date: June 17, 2024 Thank you for visiting and/or using AILIFEPAY INC.!

This Online Privacy Policy ("Policy") describes how AILIFEPAY INC., ("AILIFEPAY INC.") collects, aggregates, and uses the information provided and obtained through the AILIFEPAY INC. website, www.ailifepay.com ("Website") and the AILIFEPAY INC. mobile application ("Mobile"), as well as information collected offline.

This policy replaces any privacy policy previously delivered to you or appearing on our website, any transaction agreement, application, loan document or any other document previously delivered to you. If there are conflicts between this Policy and any other policy we have delivered to you, the terms of this Policy shall control until revised.

AILIFEPAY INC. (“AILIFEPAY INC.”) is serious about protecting your privacy. This notice is provided to you on behalf of AILIFEPAY INC., its respective family of companies, and all of their respective subsidiaries and affiliates, (hereafter collectively referred to as the “AILIFEPAY INC. Related Companies,” “we,” “our,” or “us”).“You” or “Your” means you as a participant in or as a user of the products and/or services offered by an AILIFEPAY INC. Related Company.

All information transmitted, printed or otherwise submitted to us shall be deemed to be our property and we shall be free to use such information for any lawful purpose described herein, and for other purposes as required or permitted by law.

Please read this notice carefully. This notice provides important information about the way we collect, share, and protect your information. This privacy policy applies to anyone who applies for or uses our products or services, or visits our websites, including, but not limited to, current and former customers. We must notify you about our sharing practices when you establish a customer relationship and each year while you are a customer. A customer relationship begins when you obtain a financial product or service from us. A customer relationship terminates when you pay off a transaction in full.

B. Information We Collect

We collect personally identifiable information, including, but not limited to, non-public personal information, as well as other types of personally identifiable information from you and from other sources as described herein (collectively, “Your Information”). Our primary goal in collecting Your Information is to provide you with efficient, accurate, and customized financial products and services. Your Information also helps us personalize and improve your customer experience with us.

We collect and/or track the following types of information:

  • Information you provide to us when you communicate with us via email;
  • Information you provide when you contact our customer service department;
  • Information obtained from specialized marketing information firms, such as household demographics;
  • Information, user specific or aggregate, we receive from our web pages recording visitor’s access;
  • Information we obtain to verify representations made by you, such as your employment history or income;
  • Information obtained from Web page http headers (home server domain names, IP address, type of client computer, and type of Web browser);
  • Information we receive from third parties, such as consumer reporting agencies and other lenders, regarding your credit worthiness and credit history, and to verify your identity;
  • Information about your transactions with us, our affiliates, or others, such as your account history, transaction balances, payment history, overdraft history, parties to transactions, and your reasons for doing business with us;
  • Information we receive from you on applications or other forms, such as transaction documents, sales documents, online forms, e-mails, registration forms, surveys, or other documents or submissions related to the products and services we provide, including your name, address, telephone number, social security number, driver’s license number, email address, employment information, demographic information, bank account information, and information about your assets, debts and income;

C. How AILIFEPAY INC. Uses and Shares Information

We use personal information that we collect in the following ways:

  • For a specific purpose or for legitimate business purposes;
  • To provide you with our services and to fulfill contractual obligations to you;
  • To maintain and improve our Website and diagnose any problems with our Website to improve user experience.
  • To provide you support or other services you request, such as providing technical support or answering questions about our Website; and
  • To communicate with you about our Website or services, such as to send you account updates or other communications regarding your account or to inform you of any changes to our Website or services

We reserve the right to share information, including personal information, with third parties as described below:

  • With any other third parties with your consent or for our legitimate business purposes;
  • With service providers that help us perform Website functions and administer our services;
  • Within our corporate family, such as with subsidiaries, joint ventures, or affiliates, to the extent permitted by law;
  • In connection with a merger, acquisition, consolidation, change of control, or sale of all or a portion of our assets or if we undergo bankruptcy or liquidation;
  • If we believe it is necessary in order to detect, investigate, prevent, or take action against illegal activities, fraud, or situations involving potential threats to the rights, property, or personal safety of any person;
  • If we are legally required to do so, such as in response to court orders or legal process, to establish, protect, or exercise our legal rights, to defend against legal claims or demands, or to comply with the requirements of any mandatory applicable law.

D. How long does AILIFEPAY INC. keep personal information collected online?

  • AILIFEPAY INC. may keep other information about a customer only to the extent necessary to comply with applicable laws and to further legitimate business needs.
  • AILIFEPAY INC. may keep records of any information and transactions that a customer enters into or provides in accordance with AILIFEPAY INC.’s record retention policies.
  • AILIFEPAY INC. may still need to keep personal information of customers to ensure that systems reflect your preferences even if a customer has chosen to opt out of allowing AILIFEPAY INC. to use that customer's personal information for marketing purposes.

E. Automatic Information and Cookies

We may receive and store certain types of information whenever you interact with our websites. For example, like many websites, we use “cookies” to obtain certain types of information when your web browser accesses our websites and when you login, such as: your name and your email address. Cookies are pieces of information that are transferred to your computer’s hard drive via your web browser. They allow us to provide you with a more convenient and personalized shopping experience by recording information about your preferences.

A web browser is usually set to accept cookies automatically but can be changed to decline them. The Help section of the toolbar on most web browsers will tell you how to prevent your browser from accepting new cookies, how to have the web browser notify you when you receive a new cookie or how to disable cookies altogether. In most cases, a visitor may refuse a cookie and still fully navigate our websites.

F. Security

The security of your personal information is important to us. We maintain reasonable physical, technical, and administrative security measures to protect and limit access to your personal information. However, no method of transmission over the Internet or electronic storage technology is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

H. Third Party Websites

We use third party advertising and media companies to serve ads on our behalf across the Internet and to help manage and optimize our Internet business and communications. Through the use of cookies, such third party companies may collect anonymous information about your visits to our Website and your interaction with our ads and content. For instance, they may keep track of how many of our ads you have seen on other websites before visiting our Website. This information is used to understand your browsing behavior and interests so that we can identify your needs and provide service that is tailored to you.

The Website may contain links to third party websites that are not owned or controlled by AILIFEPAY INC. We have no control over the content, privacy policies, or practices of any third party website. You are subject to the policies of those third party websites, where applicable. We encourage you to review the privacy policies of any third party websites before you disclose your personal information.

I. Browser Signals

We do not currently take actions to respond to “Do Not Track” signals from your browser because a uniform technological standard has not yet been developed. We continue to review new technologies and may adopt a standard once one is created.

I. Your Right to Limit the Sharing of Your Information

In some circumstances, you have the right to direct the AILIFEPAY INC. Provider to not share Your Information with its Affiliated Companies and/or Non-Affiliated Third Parties (i.e. “Opt-Out”). Please note that even if you Opt-Out, the AILIFEPAY INC. Provider may still share Your Information with its Affiliated Companies and Non-Affiliated Third Parties as permitted or required by law. Also, the AILIFEPAY INC. Provider may share information it collects regarding its transactions and experiences with you with its Affiliated Companies. The AILIFEPAY INC. Provider may also share all information it collects about you with Affiliated Companies and Non-Affiliated Third Parties: to facilitate providing our services to you, to administer our business, in order to receive services from those companies, as permitted under joint marketing agreements, and as otherwise permitted or required by law.

The AILIFEPAY INC. Provider is delivering this notice to you on behalf of itself and all other AILIFEPAY INC. Related Companies. You may limit how the AILIFEPAY INC. Provider’s Affiliated Companies use Your Information the AILIFEPAY INC. Provider shares with them. Federal law gives you the right to limit some but not all marketing from the AILIFEPAY INC. Provider’s Affiliated Companies. You may limit an AILIFEPAY INC. Provider’s Affiliated Companies from marketing their products or services to you based on Your Information that they receive from the AILIFEPAY INC. Provider. This information includes your income, your account and payment history, and your credit history, report or score.

J. Our Right to Contact You

We reserve the right to contact you regarding your account status and changes to subscriber agreements, our privacy policy, or any other policies or agreements relevant to you. By visiting our websites, you understand and agree that we may contact you at the phone number or email address you provide to us through our websites or on your transaction agreements, applications, loan documents or any other document to assist you with your product or to discuss other products and services that an AILIFEPAY INC. Related Company may provide for you.

K. We Do Not Collect Data from Children

The information and services provided by us or by our affiliates, sponsors, and advertisers, are not intended to be viewed by children (under 18 years old). No information collected from children is knowingly collected or used for any purpose whatsoever, including marketing and promotional purposes, either inside or outside the AILIFEPAY INC. Related Companies.

L. Policy Changes

The effective date of this Policy is the date provided above. Any updates or changes to the Policy will be posted on this Website with the new effective date of changes. If we make material changes to this Policy, we will notify you by sending you electronic notification of the changes. Please check this Policy each time you use our Website to ensure you are aware of any changes in our practices. Your continued use of this Website constitutes your acceptance of any changes to this Policy.

M. 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”).

Only you as a California resident, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable request to know/request for access, request for deletion, or request to opt-out. Please note that the California Consumer Privacy Act of 2018 only applies to residents of the state of California. We may decline your request for information if we cannot verify that you are a resident of the state of California.

In California, you may opt-in to have personal information about you shared with third parties for their direct marketing purposes. Consistent with California Civil Code Section 1798.83, if you no longer wish to have personal information about you shared with third parties for their direct marketing purposes, please email us at info@ailifepay.com to request to not have your information shared in this manner.

Under the California Consumer Privacy Act or CCPA, California residents have rights regarding their data, including:

  • The right to know the business purposes for sharing personal information.
  • The right to know the categories of third parties with whom we have shared personal information.
  • The right to access the specific pieces of personal information we have collected and the right to delete your information.
  • The right to know the categories of personal information we have collected and the categories of sources from which we got the information.
  • The right to opt out of having your personal information sold. AI-Life Pay does not sell Personal Information to third parties, as we understand that term to be defined by the CCPA and its implementing regulations.