Privacy Notice

You can browse Dext's sites anonymously by choosing not to provide us with any personally identifiable information, such as your name or e-mail address, during your visits to our sites. When you browse this way, we won't be able to link your online activity with the accounts you have with us. Browsing anonymously after you've identified yourself involves setting your browser to disable cookies and similar files or by deleting the cookies and similar files that you have accepted from us. To do this, you'll need to follow your browser's instructions for disabling cookies or deleting cookies. Please note that the use of certain online products does require the acceptance of cookies or similar files.

Cookies are pieces of information stored directly on the computer you are using. Cookies are small text files that can be used by websites to make a user's experience more efficient. In all cases, cookies and similar types of files that we place on your computer do not contain any personal information, and Dext doesn't use cookies or other files to track your use of other websites. Dext uses cookies to personalize content and ads, to provide social media features, and to analyze our traffic. Dext may place cookies or similar files on your hard drive for security purposes, to facilitate site navigation, and to personalize your experience while visiting our site. Our cookies do not identify you as an individual or by account number. If you do not accept these cookies or similar files, you may experience some inconvenience in your use of some online products. We also share information about your use of our site with our social media, advertising, and analytics partners who may combine it with other information that you've provided to them or that they've collected from your use of their services. The law states that we can store cookies on your device if they are strictly necessary for the operation of this site. For all other types of cookies we need your permission. This site uses different types of cookies.

Cookies used for web browsing can contain a variety of information, such as a simple count of how often you visit a website or information that allows customization of a website for your use. Dext uses cookies to display information more effectively to you and to gather data about the usage of our website. Cookies allow us to collect technical and navigational information such as browser type, time spent on our site, and the pages visited. They do not contain or capture customer-specific data. Dext may also use cookies in online advertising to track consumer responses to advertisements. This provides us the capability to monitor the use of our site so we can continually improve the design and functionality to better serve you.

We collect and use various types of information about you and your accounts to save you time and money, better respond to your needs, and manage our business and risks. Information that is submitted may or may not be secured or encrypted. While Dext attempts to protect all collected information, its security capabilities can at times be limited.

As is true of many websites, we or our third-party web analytics partners may gather certain information automatically and store it in log files or systems used by us. This information may include internet protocol (IP) addresses, device type, browser type, internet service provider (ISP), referring/exit pages, operating system, geo-location, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you. We do this to improve the services we offer you as well as our marketing, analytics, and site functionality, and to analyze trends and gather demographic information about our user base as a whole. Dext may also receive reports based on the use of these technologies by our web analytics partners on an individual as well as aggregated basis. Dext collects your location-based (geo-location) information for the purpose of optimizing your website experience. Dext will share this information with our mapping provider for the purpose of providing and optimizing this service for our visitors. You may opt-out of location-based services at any time by editing the setting on your device.

1. Identification Information — information that identifies you such as name, address, telephone number, tax identification numbers, and Social Security number.
2. Application Information — information you provide to us on applications and through other means that will help us determine if you are eligible for products you request. Examples include assets, income, and debt.
3. Transaction and Experience Information — information about transactions and account experience, as well as information about our communications with you. Examples include account balances, payment history, account usage, and your inquiries and our responses.
4. Consumer Report Information — information from a consumer report. Examples include credit score and credit history.
5. Information from Outside Sources — information from outside sources regarding employment, credit, and other relationships that will help us determine if you are eligible for products you request. Examples include employment history, loan balances, credit card balances, property insurance coverage, and other verifications.
6. Other General Information — information from outside sources, such as data from public records, that is not assembled or used for the purpose of determining eligibility for a product or service.

As required by the USA PATRIOT Act, we also collect information and take actions necessary to verify your identification.

During the collection of information in the "Application", "Subscription", or "Contact" sections of our website, users are required to give their contact information (such as name and e-mail address). E-mail address is primarily used to confirm the identity of the user. This information is also used to contact the users about the services on our site for which they have expressed interest.

Dext does not knowingly collect personal information and does not sell the personal information of individuals under 16 years of age. Our website is available only to individuals and entities that can form legally binding contracts under applicable law. You warrant that you are eighteen (18) years of age or older to use our website. If you do not qualify, you may not use our website. If you are a parent or legal guardian, please do not allow your children to submit personal information to us.

Customers of Dext may opt-out of receiving communications from Dext at the point where Dext requests personally identifiable information about the user. Contact customerservice@dextcapital.com to be removed from an e-mail list. If you are using an e-mail forwarding service or other similar service, please make sure to include the correct e-mail address or addresses.

Dext shares information with our affiliates (members of our corporate family) or companies outside our corporate family that perform services on our behalf. Dext shares information to process transactions, respond to your inquiries, or provide information about the products or services that we offer. Dext shares information with companies that we have a special relationship with, such as joint marketers. Dext shares information with non-affiliates (companies outside our organization) that would like to offer you their products or services that might be of interest to you. Dext shares data provided by customers; credit history data; and any verifying data collected in the application process. The types of companies that we share information with include financial service providers such as mortgage bankers, securities brokers-dealers, insurance agents, and other financial service providers. In addition, Dext shares information with non-financial companies such as direct marketers. The law permits us to share information about our current and former customers with government agencies or authorized third parties under certain circumstances. For example, we may be required to share such information in response to subpoenas or to comply with certain laws.

Dext shares information about our former customers in the same manner and with the same categories of parties described above. Dext shares information with our affiliates or companies outside our corporate family that perform services on our behalf, with companies that we have a special relationship with such as joint marketers, and with non-affiliates that would like to offer you their products or services. The law permits us to share information about our current and former customers with government agencies or authorized third parties under certain circumstances. For example, we may be required to share such information in response to subpoenas or to comply with certain laws.

Dext cooperates with law enforcement inquiries, as well as other third parties, to enforce laws and third-party rights, such as intellectual property rights and laws relating to fraud. Therefore, in response to a verified request by law enforcement or other government officials relating to a criminal investigation or alleged illegal activity, or other activity that may expose us or you to legal liability, we can (and you authorize us to) disclose your personal data and other information about you as we, in our sole discretion, believe necessary or appropriate.

Dext takes all necessary precautions to protect users' personal information both online and off-line. We protect your personal information off-line, and access to your personal information is limited to employees who Dext reasonably believes will need that information to provide services to you. However, Dext is not responsible for the confidentiality, security, or distribution of your own personal information by our partners and third parties outside the scope of our agreement with such partners and third parties.

DART and associated sites may contain links to other sites. The linked sites are not necessarily under the control of Dext. Please be aware that Dext is not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every website that collects personally identifiable information. If you decide to access any of the third-party sites linked to this site, you do this entirely at your own risk. Any links to any partner of the site should be the responsibility of the linking party, and Dext shall not be responsible for notification of any change in name or location of any information of the site.

Keeping your account information accurate and up to date is very important. You have access to your account information, which includes your contact information, account balances and transactions, and similar information, which we provide to you through various means and in response to specific requests. If your account information is incomplete, inaccurate, or not current, please call or write to us at the telephone number or appropriate address for such changes listed on your account statement or other account materials. We will promptly update or correct any erroneous information.

If we decide to change our privacy notice, we will post those changes on this page so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we will notify users by way of an e-mail. Users who have provided personally identifiable information before the changes in our privacy notice will have a choice as to whether or not we use their information in this different manner. If the user chooses that we not use his/her personally identifiable information in accordance with the new privacy notice, we will use information in accordance with the privacy notice under which the information was originally collected. To the extent required by law, Dext will provide notice of our Privacy Notice as long as you maintain an ongoing relationship with us. To receive the most up-to-date Privacy Notice, click the link in our site footer or call us at 1-866-588-7910. We may make changes to this notice at any time and will inform you of changes, as required by law.

California residents have the following rights:

• Right to Know: Customers have the right to submit a verifiable request for all the personal information collected by Dext and its affiliates in the previous 12 months.
• Right to Opt Out: Customers have the right to submit a verifiable request that Dext and its affiliates do not sell their personal information.
• Right to Equal Service: Dext and its affiliates will not discriminate against customers that exercise any of the rights conferred by the California Consumer Protection Act.

During the previous 12 months, Dext and/or its affiliates have collected, shared, and sold* the following categories of information:

• Identifiers
• Information associated with the customer
• Characteristics of protected classifications under California or federal law
• Commercial information
• Biometric information
• Health insurance information
• Internet or other electronic network activity information
• Geolocation information
• Audio and electronic information
• Education information
• Inferences

*Dext and its affiliates do not sell customer information. However, Dext and its subsidiaries share information in a manner that meets the definition of selling in the California Consumer Protection Act.