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STAR 8 Privacy Policy

STAR 8 Privacy Policy

A physical copy of our Privacy Policy is available upon request.

Privacy Policy 

 

Last updated: June 10, 2021. 

Star 8 Financial Inc. (“STAR 8) (“we,” “our,” “us”) has created this privacy policy to help you understand how we collect, use, share, and otherwise process the personal information of individuals who visit our website https://www.star8financial.com/ or use our mobile and web based application, STAR8Wallet (collectively “Services”). 

 

Information Collection 

 

STAR 8 collects information you provide to us: (i) in connection with inquiring about or obtaining our services; and (ii) in connection with a job application.  

 

If you open a STAR 8 Account, we collect personal information, including: name, address, telephone number, e-mail address, and other similar information.  We also collect financial information such as bank routing and account numbers and/or credit card numbers that you link to your STAR 8 Account or that you provide when using our services.  Certain services may require additional information to be collected and validated to ensure your identity and authorization to use our services which may include but is not limited to your date of birth, Social Security number, Employment Identification number, references or other information that as necessary to verify your legal use of our services. 

 

We may also collect information about you from any contact you have with any of our services or employees, such as, with our customer support team, in surveys, or through interactions with our affiliates. 

 

STAR 8 may obtain information about you from third parties such as: credit reports, information about your home or other demographic information. We do not pull a hard inquiry relating to your credit bureau report rather a soft inquiry is performed in order to assist in complying with legal obligations.  None of the information obtained is shared with any matched service provider relating to your inquiry, rather the information may only be accessed by and disclosed to STAR 8 employees with a legitimate business need to know, in accordance with applicable laws and regulations.  Information such as Social Security number, Employment Identification number, date of birth, address and phone number may be verified by third parties to assist in the prevention of identity theft, consumer identification and verification.  

 

We may combine your personal information with information we collect from other companies and use it to improve and personalize STAR 8 services, content, and advertising. 

 

We also collect technical information when you visit the STAR 8 website, including owned linked websites, or use STAR 8’s service.  This information may include your IP address, device information including your device identifier, name and type, operating system, location, mobile network information and standard web log information, such as your browser type, traffic to and from our site, the pages you accessed on our website, and any other available information. We may also collect information about your use and interaction with our website, application or the services.  When you use the services, we may also store information based on your usage history. This includes, but is not limited to, details of your purchases, content you viewed, event information, click stream information, and cookies that may uniquely identify your browser or your account.  

 

Cookies and Discrete Identifiers (Web Beacons) 

 

STAR 8 utilizes various technologies to collect and store information when you use the services, and this may include sending one or more cookies or discrete identifiers to your device (“web beacons”). Web beacons (also known as clear gifs, pixel tags, targeting and re-targeting pixels, third party pixels or web bugs) are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of web users or to access cookies. We also may include web beacons in e-mail messages or newsletters to determine whether messages have been opened and acted upon. We also use cookies and discrete identifiers when you interact with the services we offer to our partners, such as advertising services or STAR 8 features that may appear on other sites or anti-fraud or illegal activity and in any other manner that we deem necessary for our business purposes. 

 

Information Use 

 

We may use your personal information, including for the following purposes: 

 

  • Deliver the products and services you requested; 

  • Manage your customer relationship, respond to your inquiries, and provide you with customer support; 

  • To communicate with website visitors, our customers, and others; 

  • For business purposes, such as analytics, research, advertising and marketing, processing job applications, and operational purposes;  

  • Compliance with legal obligations;  

  • Communicate with you via e-mail, telephone, postal mail and/or mobile devices about products or services that may be of interest to you; 

  • Develop and display content and services tailored to your interests on our website and other websites; 

  • Develop and deliver targeted advertisements; 

  • Maintain, operate, customize, and improve the overall effectiveness of our online advertising, content, programming and other activities; 

  • Verify your status, membership, or standing with an affiliated association; 

  • Verify your company’s history, credit worthiness, or standing with an affiliated third-party; 

  • Verify your eligibility and deliver prizes in connection with promotions, contests and sweepstakes; 

  • Comply with law enforcement and maintain the security of our website, our applications, and STAR 8; and 

  • As otherwise disclosed at the time of collection. 

 

Depending on the service requested, we may use financial information to provide you with lenders’ conditional loan offers as well as to verify your identity, protect against or identify possible fraudulent transactions, or otherwise as needed to manage our business. 

Information Sharing 

 

We share personal information with third parties, including the following:  

 

  • STAR 8 owned or affiliated businesses to facilitate the services; 

  • Regulatory entities in connection with state and/or federal licensing requirements wherein reporting of information regarding your inquiry is related to the closing of your loan; 

  • Third-parties that provide services on our behalf, such as those that provide perform services on our behalf in connection with your request for a loan or the funding, sale and/or servicing of your loan. These third parties include credit bureaus, title companies, flood or other insurance companies, appraisal companies, escrow companies, closing agents, marketing and customer services firms, credit card, or entities that provide business analysis or website support; 

  • Third-party partners that utilize our services, such as those that provide validation of identity, affiliate marketing, and sales funnels. These third parties include industry associations, identity validation software, and additional software utilized by STAR 8. 

  • As part of a sale, merger or acquisition, or other transfer of all or part of our assets including as part of a bankruptcy proceeding;  

  • Pursuant to a subpoena, court order, or other legal process or as otherwise required or requested by law, regulation, or government authority programs, or to protect our rights or the rights or safety of third parties; or 

  • With your consent or as otherwise disclosed at the time of data collection or sharing.  

 

We may share information that has been de-identified or aggregated without restriction. 

 

Lenders with whom you are matched may retain or use your information whether or not you use their services and you should contact these Lenders directly concerning their privacy and information sharing practices which may differ from STAR 8. 

 

Digital Advertising and Analytics 

 

We may partner with ad networks and other ad serving providers (“Advertising Providers”) that serve ads on behalf of us and others on non-affiliated platforms.  Some of those ads may be personalized, meaning that they are intended to be relevant to you based on information Advertising Providers collect about your use of our website and other sites or apps over time, including information about relationships among different browsers and devices.  This type of advertising is known as interest-based advertising. 

 

STAR 8 adheres to the Digital Advertising Alliance (“DAA”) Self-Regulatory Principles in connection with this interest-based advertising activity.  `You may visit the DAA Webchoices tool at www.aboutads.info to learn more about this type of advertising and how to opt out of this advertising on websites by companies participating in the DAA self-regulatory program.  If you delete your cookies or use a different browser or mobile device, you may need to renew your opt-out choices exercised through the DAA Webchoices tool.  Note that electing to opt out will not stop advertising from appearing in your browser or applications.  It may make the ads you see less relevant to your interests.  Additionally, your browser may offer tools to limit the use of cookies or to delete cookies; however, if you use these tools, our website may not function as intended. 

 

We may also work with third parties that collect information about your use of the website and other sites or apps over time for non-advertising purposes.  STAR 8 uses Google Analytics and other third-party services to improve the performance of the website and for analytics and marketing purposes.  For more information about how Google Analytics collects and uses information when you use our website, visit https://www.google.com/policies/privacy/partners/, and to opt out of Google Analytics, visit https://tools.google.com/dlpage/gaoptout/. 

 

 

Third-Party Links and Tools 

 

Our website may contain links to other websites owned and operated by third parties. These third parties and their servers may be located in the United States or in other countries. We do not control, and are not responsible for, the privacy and security practices of these third parties. We recommend that you review the privacy and security policies of these third parties to determine how they handle information they may collect about you. 

 

For certain products and services available through STAR 8 website, we will not share your email address or phone number with the Business Provider or Lender with whom you are matched. Where this feature is available for a product or service, it will be noted on the web page for that product or service. Nevertheless, these Business Providers and Lenders will still receive other personal information about you; they may retain or use your personal information whether or not you use their services.  You should contact these Providers or Lenders directly concerning their privacy and information sharing practices, which may differ from ours. 

 

Our website may also include integrated social media tools or “plug-ins,” such as social networking tools offered by third parties.  If you use these tools to share personal information or you otherwise interact with these features on our website, those companies may collect information about you and may use and share such information in accordance with your account settings, including by sharing such information with the general public.  Your interactions with third-party companies and your use of their features are governed by the privacy policies of the companies that provide those features.  We encourage you to carefully read the privacy policies of any accounts you create and use. 

 

Your Choices 

 

You can review and edit your personal information at any time by contacting US at help@star8financial.com or call US at (310) 862-7987). You can also close your account by contacting US at help@star8financial.com or call US at (310) 862-7987). If you close your STAR 8 account, we will mark your account in our database as "Closed," but may retain personal information from your account for a certain period of time for administrative purposes. 

 

The appropriate method(s) for accessing your information, if any, will depend on which sites or services you have used. Depending on the respective service, you may have the ability to view or edit some of your information online. If you have submitted a loan request with us, you can update your personal information by contacting US by contacting us at help@star8financial.com or call US at (310) 862-7987). 

 

As described in this privacy policy, we may also make your personal information available to third parties for their direct marketing purposes.  Pursuant to California Civil Code § 1798.83, no more than once per calendar year, you may request that we send you via mail or email: (1) the categories of personal information disclosed to those third parties; and (2) the names and addresses of those third parties.  To request this information, please contact us at help@star8financial.com or call US at (310) 862-7987). 

 

If you do not wish to receive marketing communications from us or participate in our ad-customization programs, you can contact us at help@star8financial.com or call US at (310) 862-7987). 

 

 

Retention 

 

Federal and state regulations require that we store account information for various periods of time. In order to comply with these requirements, we may be unable to delete your information from our database until the expiration of the applicable period. 

 

Security 

 

STAR 8 maintains reasonable security measures to guard against unauthorized access to systems.  No system can be completely secure. Therefore, although we take steps to secure your information, we do not promise that your information will always remain secure. Users should also take care with how they handle and disclose their information. 

 

Changes to Our Privacy Policy 

 

From time to time, we may make changes to our privacy policy.  If we do, we will post these changes on this page.  You should visit our privacy policy periodically to learn of any updates. 

 

Contact Us 

If you have any questions about this privacy policy or our information practices, please contact us as follows: 

Compliance Officer  

STAR 8 Financial, Inc. 

130 Pine Ave, Suite 300 

Long Beach, CA 90802 

 

compliance@star8financial.com  

(310) 862-7987 

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