Sprout Financial, LLC. ("we" or "us") wants you to be familiar with what information we collect about you,
how the information is being used and what choices you have regarding the collection and use of the
we collect through our websites (collectively, the "Site"). Please take a moment to review this Policy and
feel free to contact us with any questions, our contact info can be found by clicking the "Contact Us" link
on our website.
By using the Site, you agree to the terms of this Policy. If you do not agree to the terms of this Policy,
please do not use the Site. We reserve the right to change this Policy without prior notice. You agree to
obtain annual notices of, and changes to, this Policy electronically by visiting this Site. You can
determine when this Policy was last revised by referring to the "Last Revised" legend at the top of this
page. Any changes to our Policy will become effective upon our posting of the revised Policy on the Site.
Use of the Site following such changes constitutes your acceptance of the revised Policy then in effect.
Therefore, we encourage you to review this Site from time to time for changes to our Policy.
What types of information do we collect about you?
We collect personal information and non-personal information through the Site. Personal information is
information that identifies you as an individual. Non-personal information is aggregated information,
demographic information, IP addresses and any other information that does not reveal your specific
Personal information. We may collect the following types of personal information:
Information provided by you when ordering credit-related products through the Site. For example, you
will be required to submit personal information such as your name, address, social security number, date
of birth, telephone number and e-mail address.
Information provided about your children when enrolling your children in child identity monitoring
products. For example, as a legal guardian, you will be required to submit the child's first and last
name, Social Security number, and date of birth in order to register that child in identity monitoring
with the credit bureau.
Credit and debit card account information collected from you or your credit reports when enrolling in
our card registry product. For example, we will collect credit and debit card account information from
you on our sites, over the phone, and from your credit reports from the three national credit reporting
companies in order to cancel the cards per your request in the event that they are lost or stolen.
When you make a purchase through the Site, we may collect your credit card number or other payment
account number, billing address and other information related to such purchase
(collectively, "Payment Information") from you.
Other information we collect, such as city of birth and mother's maiden name, is used to verify your
identity in the event you forget your login information required for our online products.
- Information you provide us through customer service correspondence and general feedback.
Non-Personal information. When you visit the Site, we may collect non-personal
information, such as a catalog of the Site pages you visit. Non-personal information is generally collected
through the Site from the following sources: server log files, environmental variables, cookies, pixel tags
and other similar technologies and information that you voluntarily provide.
Server Log Files. Your Internet Protocol (IP) address is a number that is
automatically assigned to the computer that you are using by your Internet Service Provider (ISP). This
number is identified and logged automatically in our server log files whenever you visit the Site, along
with the time(s) of your visit(s) and the page(s) that you visited. We use your IP address, and the IP
addresses of all users, for purposes such as calculating Site usage levels, helping diagnose problems
with the Site's servers, and administering the Site. Collecting IP addresses is standard practice on the
Internet and is done automatically by many websites.
Environmental Variables. We and our service providers may also collect certain
environmental variables, such as computer type (Windows or Macintosh), screen resolution, OS version,
Internet browser, and Internet browser version. These environmental variables are collected by most
browsers, and can be used to optimize your experience on the Site.
Cookies and Similar Technologies. We and our service providers may use "cookies"
or similar technologies on the Site. Cookies are data that a web server transfers to an individual's
computer for recordkeeping purposes. Cookies are an industry standard used by many websites, and can
facilitate your ongoing access to and use of a particular website; cookies do not cause damage to your
a simple procedure in most browsers that allows you to automatically decline cookies, or to be given the
choice of declining or accepting the transfer of a particular cookie, or cookies from a particular
website, to your computer. Additionally, please see the "Your Choices" section below for instructions on
Pixel Tags. We and our service providers may also use so-called "pixel tags," "web
beacons," "clear GIFs" or similar means (collectively, "Pixel Tags") in connection
with some Site pages and HTML-formatted e-mail messages to, among other things, compile aggregate
statistics about Site usage and response rates. A Pixel Tag is an electronic image, often a single pixel
(1x1), that is ordinarily not visible to Site visitors and may be associated with Cookies on the
visitors' hard drives. Pixel Tags allow us to count users who have visited certain pages of the Site, to
deliver branded services, to provide online advertising, and to help determine the effectiveness of
promotional or advertising campaigns. When used in HTML-formatted e-mail messages, Pixel Tags can tell
the sender whether and when the e-mail has been opened.
Information That You Voluntarily Provide. We also collect non-personal information
(e.g., your geographic location, etc.) when you voluntarily provide such information to us. When such
information is not combined with any personal information, such information is considered to be
non-personal information, as it does not personally identify you or any other user. Additionally, we may
aggregate personal information in a manner such that the end-product does not personally identify you or
any other user of the Site, for example, by using personal information to calculate the percentage of
our users who have a particular telephone area code. Such aggregate information is considered
non-personal information for purposes of this Policy.
Please note that if we combine any non-personal information with personal information, the combined
information will be treated by us as personal information as long as it is so combined.
How do we use the information collected?
Personal Information. We may use personal information we collect in the following
Fulfillment of Requests. We may use personal information collected about you to
provide you with products, services or information that you request.
Administrative Communications. From time to time we may use personal information
to send to you important information regarding the Site, or changes to our terms, conditions, and
policies. Because this information may be important to your use of the Site, you may not opt-out of
receiving such communications.
Other Communications. From time to time, we may use personal information to inform
you of products, programs, services and promotions that we believe may be of interest to you. If you
would prefer that we do not send such email marketing messages to you, please see the "Your Choices"
Purchases. We may use personal information, including Payment Information in order
to fulfill your purchase.
Promotions. We may operate sweepstakes, contests and similar promotions
(collectively, "Promotions") through the Site. We typically ask you for certain
personal information when you enter and, if applicable, win a Promotion. You should carefully review the
rules, if any, of each Promotion in which you participate through the Site, as they may contain
additional important information about our use of personal information. To the extent that the terms and
conditions of such rules concerning the treatment of personal information conflict with this Policy, the
terms and conditions of such rules will control.
Internal Business Purposes. We may also use personal information for our internal
business purposes, such as data analysis and audits. In addition, we may also use personal information
to enhance our information and to aid us in providing our customers with targeted promotions.
Non-Personal Information. Because non-personal information does not personally
identify you, we may use such information for any purpose. In addition, we reserve the right to disclose
such non personal information to other third parties, for any purpose.
In some instances, we may combine non-personal information with personal information. If we combine any
non-personal information with personal information so that it personally identifies you, the combined
information will be treated by us as personal information as long as it is combined.
We may, along with our affiliates and marketing partners enhance and/or merge personal information about you
with data collected from other sources and use it in direct and/or online marketing and, to the extent
permitted by law, individual reference and look-up service programs. In the event we enhance and/or merge
such personal information with data collected from other sources, we will take reasonable steps to maintain
the integrity and quality of that information.
Do we disclose information to third parties?
We may disclose information about you to affiliated and non-affiliated third parties.
Affiliates. We may disclose the information that we collect to our affiliated
companies to provide the products you request, to enhance our products to better suit your needs, and
from time to time for marketing purposes.
Business Partners. We may partner with other companies to offer you products or
services or to fulfill the products or services that you order. We may disclose personal information
and/or non-personal or de-identified information collected about you to such third-party partners for
the purposes described in this Policy.
Service Providers. We work with third parties who provide services including but
not limited to data analysis, order fulfillment, list enhancement and other administrative services. We
may disclose personal information to such third parties for the purpose of enabling these third parties
to provide services to us. Such services may include: marketing distribution, email list management
services, advertising, certain product functionalities, customer support, web hosting, customer data
management and enhancement, fulfillment services (e.g., companies that fill product orders or coordinate
mailings), research and surveys, data analysis and email service.
Assignment. We reserve the right to transfer any and all information that we
collect from Site users to an affiliate or a third party in the event of any reorganization, merger,
sale, joint venture, assignment, transfer or other disposition of all or any portion of our business,
assets or stock (including without limitation in connection with any bankruptcy or similar proceedings).
Law enforcement; emergencies; compliance; other purposes permitted by law. Notwithstanding
any other provision of this Policy to the contrary, we reserve the right to disclose personal
information to others as we believe appropriate (a) to comply with legal process; (b) to respond to
property of Sprout Financial, LLC., our affiliated companies, you or others; (e) to permit us to pursue
available remedies or limit the damages that we may sustain; and (f) for any other purpose permitted by
Aggregate, Non-Personal, or De-identified Information. We may share aggregated
information (i.e., information about you and other customers collectively, but not specifically
identifiable to you) and other non-personal, de-identified, or anonymous information we collect with
third parties, including affiliates to develop and deliver targeted advertising on our Site and on the
websites of third parties. If you would prefer that we do not utilize cookies with your website
the "Your Choices" section below.
You have choices when it comes to updating your information, learning about new offers or products offered by
us, our partners or affiliates. If you do not wish to receive offers of products from us, our partners or
affiliates, here are the methods in which you can opt out:
Sprout Financial LLC, Commercial Email. If you prefer not to receive emails from
us about offers and Promotions please unsubscribe via the unsubscribe link in an email, or contact us.
Alternatively, you may opt-out of commercial email directly on the order form while placing a new order.
Cookies. Subject to the section above pertaining to cookies and similar
technologies, you have the ability to prohibit being served an advertisement based on cookie technology
from certian companies. We may utilize reputable third-party vendors to serve advertisements. If
however, you are not comfortable with cookies, you can adjust the settings within your browser to
further prohibit being served a cookie. Please see the browser's instructions to perform this task.
Additionally, the Network Advertising Initiative (NAI) has developed an opt-out tool with the express
purpose of allowing consumers to "opt-out" of the targeted advertising delivered by its member networks.
We may share anonymous or de-identified information with such member networks for the purposes of
delivering targeted advertising; however you may visit the NAI opt-out page and opt-out of this cookie
tracking if you do not wish to receive targeted advertising. Please visit:
for more information.
Changing information. Corrections or updates to your information including your
email address, phone number, mailing address, credit card information or password reminder phrase can be
made through the edit profile section of your account on the Site. If necessary, other corrections or
updates to your information can be made by contacting a customer care representative. For your
protection, our customer care representatives may request supporting documents before making any changes
or updates to your membership information.
We will endeavor to comply with your request as soon as reasonably practicable. Please note that if you
opt-out as described above, we will not be able to remove personal information about you from the databases
of third parties with which we have already disclosed personal information as of the date that we implement
your opt-out request. If you wish to cease receiving marketing-related e-mails from third parties, please
contact such third parties directly or utilize any opt-out mechanisms set forth in their respective privacy
policies or marketing-related emails.
How do we protect your information?
We have security measures and tools, such as firewalls, in place to help protect against the loss, misuse and
alteration of the information under our control. Unfortunately, no data transmission over the Internet or
data storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction
with us is no longer secure (for example, if you feel that the security of any account you might have with
us has been compromised), please notify us of the problem as soon as possible by contacting us in accordance
with the Section "Contacting Us" below (note that if you choose to notify us via physical mail, this will
delay the time it takes for us to respond to the problem).
The Site may contain links to third-party websites. These linked sites are not under our control and we are
not responsible for the privacy practices or the contents of any such linked site, or any link contained in
any linked site. We provide such links only as a convenience, and the inclusion of a link on the Site does
not imply endorsement of the linked site by us. If you provide any personal information through any such
third-party website, your transaction will occur on the third party's website (not the Site) and the
party. We recommend that you familiarize yourself with the privacy policies and practices of any third
parties. Please note that this policy does not address the privacy or information
practices of any third parties.
We control and operate the Site from the United States, and the Site is not intended to subject us to the
laws or jurisdiction of any state, country or territory other than that of the United States. We do not
represent or warrant that the Site, or any part thereof, is appropriate or available for use in any
particular jurisdiction. Those who choose to access the Site do so on their own initiative and at their own
risk, and are responsible for complying with all local laws, rules and regulations. We may limit the Site's
availability, in whole or in part, to any person, geographic area or jurisdiction we choose, at any time and
in our sole discretion.
A special note regarding individuals under 18 years old
The Site is not directed to individuals under the age of eighteen (18), and we request that such individuals
not provide personal information through the Site. If you are under 18 years of age, you may browse our
Site; however, you may not provide personal information to us such as name, address, or email address, and
you may not register for, enroll in, and/or make product purchases.
If you have any questions regarding this Policy, please contact us. Please note that email communications
will not necessarily be secure; accordingly you should not include credit card information or other
sensitive information in your email correspondence with us.