Privacy Policy
We take user privacy seriously and want you to be informed. This Privacy Policy, which is incorporated into our Terms of Service, outlines the privacy practices of Project 17, LLC, doing business as Day One Credit ("Company", "us", "we" or "our") in connection with your ("you" or "your") access to or use of our website, application, and related services (collectively, the "Service"). By accessing or using our Service, you acknowledge that you have read, understood, and agree to be bound by our terms, including this Privacy Policy.
Table of Contents:
Who are we?
What does this Privacy Policy cover?
How do we collect and use information?
When do we disclose information?
How do we use cookies and similar technologies?
Do we sell or share information?
• How do we protect and transfer information?
How long do we retain information?
What are your privacy rights?
• Do we collect information about children?
• How do we use or disclose sensitive information?
• Do we offer financial incentives for your data?
Do we respond to Do Not Track (DNT) Signals?
How do we update this Privacy Policy?
How can you contact us?
Who are we?
As explained in our terms, through the DayOneCredit.com website (the "Website") and Service we connect people with lenders and/or automobile dealers who offer "Bankruptcy Car Loans." As such our Company operates as a marketing or "lead generation" service specific to Bankruptcy Car Loans. We are not a lender or a dealer, and we do not offer Bankruptcy Car Loans ourselves.
Most of the information we collect from you occurs when you make a Loan Inquiry through the Website. At that time, we collect basic information about your identity, employment, and bankruptcy history, including information necessary to run a credit check. Once you have completed a Loan Inquiry, we will match you with one or more Bankruptcy Car Loan lenders and/or dealers, who may reach out to you to requires more information and/or provide a non- binding offer for a Bankruptcy Car Loan.
In order to provide the Service, we share your Loan Inquiry information with lenders and dealers with the hope of finding one that is willing to give you a Bankruptcy Car Loan.
We also collect personal information from public bankruptcy records, such as federal court filings that are available on third-party website pacer.gov ("PACER"). We may collect your name, state of residence, and information about your bankruptcy from PACER.
In addition to the foregoing, we also collect routine device and other data, and we use data to deliver advertisements that may be of interest to you.
What does this Privacy Policy cover?
This Privacy Policy outlines how we collect, use, and disclose information of users. Please also see our separate Terms of Service, which incorporate by reference this Privacy Policy and which include definitions applicable to this Privacy Policy.
Unless otherwise expressly stated, this Privacy Policy does not apply to any third-party practices, websites, or services, whether or not referenced in our Service. Each third party will have its own privacy practices and policies, which you should review before using them. As used herein, "third parties" includes any lenders or dealers you meet through the Service. Once you are communicating or otherwise transacting directly with a lender or dealer, we no longer have access to or control over the information exchanged as part of such communication or transaction. In such case, the information you disclose to the lender or dealer will be governed by that lender or dealer’s privacy policy.
How do we collect and use information?
Generally, we collect personal information about you, such as your name and address, employment, and bankruptcy history, including information necessary to run a credit check in conjunction with your Loan Inquiry. Like many companies, we also collect internet and device information, such as from cookies and other automated technologies, when you browse our website.
We collect all of this information for our business purposes, namely, to provide Service and connect you with third-party lenders and dealers who provide Bankruptcy Car Loans. We also collect information to comply with applicable laws, such as responding to legal requests, enforcing this Privacy Policy and our rights, and protecting others and our Service. We may also use information for short-term, transient use for an interaction with you and to personalize your experience and communications. We use information for security purposes and to protect against harmful activity. Further, we may use information for debugging for functionality, auditing interactions, and internal research. Moreover, we may use information as otherwise instructed by you and with your consent.
In addition, we collect information for commercial purposes, meaning to market our services. For example, we collect device and other data to better target advertisements and other content in an effort to create a more personally relevant experience.
We use information for the same reasons that we collect it. For example, we use information for business purposes, such as running our website and connecting you with Bankruptcy Car Loan lenders and dealers, as well as commercial purposes, such as advertising to you after you leave our website. We also use information for the reasons that we disclose it, as outlined below.
More specifically, we collect the following information for the referenced purposes.
| Category | Examples of Data Collected | Collection Point | Purpose for Collection and Use |
|---|---|---|---|
| Identifiers |
Contact Information, such as
name, address, email
address, telephone number,
and other information that you
voluntarily provide to us.
Account Information, such as account name and number. Identification Data, such as social security number, driver’s license number, passport number. |
We collect this
information when
you provide it, such
as when you place
an order on our
website or create an
account.
We also collect this information from public databases, such as PACER. We may also collect data from third parties when it is related to the Service, such as email addresses for potential customers or through social media login/sign-in. |
We collect and use
data for all business
purposes, such as
connecting you with
lenders and dealers,
providing and
improving our
services, responding
to communications,
and for security and
auditing purposes.
We may also collect and use your contact information to market our offerings to you, such as through emails. |
| Commercial Data |
Transactions, such as loans
or other services sought or
considered, or purchasing
tendencies.
Financial, such as bankruptcy records. Inferences, such as creating a profile relating to consumer preferences and trends. |
We collect this
information when
you provide it, such
as when you place
an order on our
website.
We also collect this information from third parties, such as PACER and credit-reporting agencies. We may also collect information from third parties to help with responding to your requests, processing transactions, and improving offerings. |
We collect and use
data for all business
purposes, such as
connecting you with
lenders and dealers,
providing and
improving our
services, responding
to communications,
and for security and
auditing purposes.
We may also use inference information to market offerings of interest to you. |
| Personal Background | Protected Class, such as marital status, sex, and age. |
We collect this
information when
you provide it, such
as when you fill out
a Loan Inquiry, a
survey or otherwise
communicate this
information to us.
We may also collect data like age and sex when you sign up or log in through a third party like Google or Meta. |
We collect and use data for all business purposes, such as connecting you with lenders and dealers, providing and improving our services, responding to communications, and for security and auditing purposes. |
| Device Data |
Internet and Network Data,
such as browsing history,
search history, and
information regarding a
consumer’s interaction with an
internet website, application,
or advertisement. See below
for more information about
cookies and other tracking
technologies.
Geolocation, such as general location from an IP address. |
We collect this data
through cookies and
other automated
technologies. For
example, like many
companies, we
automatically
gather information
about your device,
such as your IP
address, browser
type, and operating
system. For more
information on these
practices, see
below.
We may also collect data like age and sex when you sign up or log in through a third party like Google or Meta. |
We collect and use
data for all business
purposes, such as
providing and
improving our services
and for security and
auditing purposes.
We may also use device data to market offerings of interest to you. Further, we may use geolocation data to provide increased functionality and show offers relevant to you. |
| Sensitive Personal Information |
In addition to categories
described above, we may
collect the following:
Account Access, such as an account log-in or financial data in combination with a passcode or other credentials. Credit Report Information, your credit history, outstanding accounts and account balances, payment history, address history, and credit score. Sensitive Identification Data, such as social security number, driver’s license number, passport number. |
We collect sensitive
information when
you provide or
authorize it, such as
through use of our
loans or services.
For more
information on these
practices, see
below.
When you submit a Loan Inquiry, you authorize us to obtain your credit report, which includes information reported by third- party creditors and institutions, such as credit reporting agencies and your financial institution. |
We collect and use data for the business purposes outlined, such as to connect you with lenders and dealers, and to identify you and your account and for security purposes. |
| Other Personalized Data |
Employment, such as
professional or employment
history.
Other Information, such as your bankruptcy history, communications to us (including live chats) or responses to surveys or promotional offers. |
We may collect this
information if you
provide it, such as if
you send us a
message, chat with
us through our
Website, or
participate in a
survey or offer.
We may also collect this information from third-party sources, such as PACER. |
We collect and use
data for business
purposes, such as
providing and,
improving the Service.
The Service does not intend to collect any other personal data not outlined to you. |
| Other Non-Personalized Data |
Public information
Aggregate information De-identified data Pseudonymized data |
We may collect this
information at any
time, from public,
third party, and
other sources,
including PACER.
For example, we may share a public review that you posted about us or use aggregate data for our analytics. |
We may collect and use this data for any business or commercial purposes. The information will either be public data or not identify individual users. |
When do we disclose information?
As part of our business, we disclose information as follows and for the outlined purposes, which include business purposes to provide and improve the Service and comply with legal and contractual obligations, as well as commercial purposes, such as to market our business.
To Obtain Your Credit Report. When you submit a Loan Inquiry, we share your information with third-party credit bureaus to obtain your credit report. By submitting a Loan Inquiry, you are authorizing our Company and/or our associated lenders and dealers to ask for a copy of your credit report from a credit reporting agency. This is known as a "hard inquiry" and may (a) show up on your credit report and/or (b) affect your credit score. A Loan Inquiry can result in multiple hard inquiries on your credit report. Submission of your Loan Application will serve as written instructions under the Fair Credit Reporting Act that Company and/or its associated lenders and dealers may obtain your credit report and/or review your credit history and credit score for purposes of deciding whether to approve you for a Bankruptcy Car Loan.
To Connect You with Bankruptcy Car Loan Providers. We share your information as applicable to your Loan Inquiry. For example, we share the information you provide in your Loan Inquiry, along with the credit report information pulled, with third-party lenders and dealers so that they can determine whether they are willing and able to offer a Bankruptcy Car Loan to you.
Company Parties; Merger or Sale. We may share information with affiliated companies that are related to us under a common ownership where they comply with this Privacy Policy. Such disclosure is for our business purposes, including to provide and improve our offers. Further, we may share information as part of a sale, merger, acquisition, or other change in control or entity status, either in whole or in part. We reserve the right to transfer or assign your information as part of any such transaction or investigation.
Service Providers and Contractors. We share information with service providers that allows us to provide and improve the Service. Service providers only use your information for a contracted-business purpose. For example, when you engage with us in a live chat, our service providers may have access to your chat transcripts, including in real time. Such disclosure is for our business purposes, in particular to provide you with the Service. We may likewise share information with “contractors” that are not service providers but to whom we disclose information for a business purpose. Such disclosure is for the business purpose of providing you with services that you have requested or considered.
Cookies/Device Data. For more information about our use of cookies and other technologies, see further below. Such disclosure is for our business purposes, in particular to provide you with the Service, as well as commercial purposes, such as to market to consumers that may be interested in our Service or related offers. Company may also contract with third-party advertising companies to serve ads on our behalf. These companies may use cookies or other measures to collect non-identifier information.
Legal Process and Protection. We may disclose information as necessary to comply with our legal obligations, such as to respond to government requests, law enforcement inquiries, legal processes, subpoenas, and court orders. We may disclose information when we believe it is necessary to investigate, prevent, or respond to illegal, fraudulent, or injurious actions or security incidents that may cause harm to us, the Service, or others. We may also disclose information in good faith where necessary to investigate or enforce a violation of this Privacy Policy, our terms, or any legal rights.
Third Parties. We may disclose information to third parties to allow cross-context advertising for services related to our Service that may be of interest to you. Such disclosure facilitates our Service as well as marketing/commercial purposes.
Consent. We may disclose information as requested or consented to by you. Such disclosure may be for any business or commercial purpose as described to you.
How do we use cookies and similar technologies?
As with many companies, we may use cookies, pixels, gifs, web beacons, log files, and/or similar technologies to automatically collect certain information when you use the Service or interact with our digital media content, such as when you visit our website. This allows us to track individual users, determine when content is accessed, and customize user experiences. For example, unless you have opted out of cookies or changed your cookie settings in your internet browser, your browser automatically sends us certain device, browser, internet connection, and general geolocation information and certain internet activity information. For instance, we may collect your mobile device identifier or MAC address, ISP carrier information, date and time you access the Service, the pages you visit, and whether you click on ads. You can change your cookie settings in your internet browser and use settings on your device to manage your privacy controls. For more information and ways to opt out, see www.allaboutcookies.org, and learn how to disable these tools by opting-out of third-party cookies and mobile device ID practices.
As part of our practices, we may use third-party advertising companies to display ads tailored to your individual interests based on your online activity and to provide ad-related services such as analytics and market research. Third parties, in turn, may use a cookie, web beacon, or other similar technology to collect information. To opt-out of cross-device linking, visit www.aboutads.info/choices or perform a global opt-out on each browser and device.
https://tools.google.com/dlpage/gaoptout In particular, we may use Google cookies and tools, such as Google Analytics and in certain cases Google Maps, for analytics and advertising and to improve the user experience, and your information may be shared with Google; for more information, visit the https://myadcenter.google.com/?sasb=true Google Cookie Policy, Google Analytics Opt-Out Browser Add-On, or Ads Settings. We may also use Meta and other cookies for the purposes stated above, and your information from cookies may be shared with Meta; for more information visit the Meta/Facebook Cookie Policy.
Do we sell or share information?
We only sell or share data as outlined in this Privacy Policy.
As explained in the Terms, the purpose of the Website is to connect people who do not qualify for a traditional car loan with lenders and dealers providing Bankruptcy Car Loans. When we connect our users with such third-party lenders and dealers, we necessarily pass on certain personal information—including Sensitive Personal Information regarding your identification and credit history—and we are paid by such third parties. Under certain state privacy laws, this constitutes a “sale” of personal information.
Similarly, Company participates in targeted ads, also called interest-based or online behavioral advertising, which may include cross-context behavioral advertising. Under some privacy legislation, this may constitute "selling" or "sharing" of personal information, such as for business purposes (e.g., providing our Service) and commercial purposes (e.g., other marketing) and/or "Targeted Advertising."
The categories of personal information that are sold and shared as described herein are: Identifiers, Commercial Data, Personal Background, Device Data, Sensitive Personal Information, Personalized Data, and Other Non-Personalized Data.
The categories of third parties with whom the information is shared or to whom it is sold are: credit bureaus, lenders and dealers, and our marketing partners (such as Google and Meta).
To opt out of these practices, contact us as outlined below and see our Do Not Sell or Share My Personal Information link.
How do we protect and transfer information?
Consistent with others in our industry, we take efforts to employ technical, administrative, and physical security measures for personal information, taking into account reasonable security procedures and accessible technology. However, no system can be completely secure; and we cannot promise, and you should not expect, that your personal information will always remain secure. Your provision of personal information is at your own risk. The safety and security of your information also depends on you. Take steps to safeguard your passwords and other data and notify us as soon as possible if you believe your account security has been breached.
If you are visiting the Service from a location outside of the United States, your connection will be through and to servers located in the United States, and all information you provide will be processed and securely maintained in our web servers and internal systems located within the United States. By using the Service, you authorize and specifically consent to the transfer of personal data to the United States and its storage and use as specified in this Privacy Policy.
How long do we retain information?
We retain personal information for the length of time necessary to fulfill the purposes outlined in this Privacy Policy, unless a different retention period is requested by you or required or permitted by law. For example, we will retain your personal information for as long as it is needed to provide you with the Service or fulfill a legal or contractual obligation. We may also aggregate, deidentify, or anonymize personal information as applicable for use in analytics, such as to analyze trends over periods of time without specifically identifying you.
We use the following criteria to determine how long we retain personal information: (a) our relationship with you, such as if there is an open contract or account or a pending transaction or request; (b) legal obligations to retain personal information for certain purposes, such as to maintain transaction records; and (c) other obligations or considerations relating to the retention of data, such as contract requirements, litigation holds, investigations, or statutes of limitation.
What are your privacy rights?
We value consumer privacy rights and strive to provide flexibility with how your personal data is used and shared. If you want to make a privacy request or have any questions, please contact us through our Privacy Request Form or email privacy@dayonecredit.com with your name and email address or other identifier used in connection with our Service so that we can verify your request. If an authorized agent is making a request on your behalf, the agent should provide its name and contact information, such as an email address, in addition to your information. There may be situations where we cannot grant your request; for example, if you make a request and we cannot verify your identity, or if you request deletion of data that we have a legal obligation to keep. Where we deny your request in whole or in part, we will take steps to inform you of the denial and provide an explanation of our actions and the reasons for the denial.
Applicable privacy laws have different requirements and depend on various factors, such as where you live and how much revenue or data is at issue. Generally, we adhere to the following set of privacy rights to the extent applicable and subject to any limitations authorized by law.
Access. You can access and obtain your data and ask us for certain information, including: the categories of personal information collected and used; the categories of the sources of data; the business or commercial purposes for collecting, selling, or sharing data; the categories of third parties to whom data is disclosed; and the specific pieces of personal information collected. You also have a similar right to data portability (the ability to export, back up, and transfer data).
Amend. You can amend, correct, or rectify your data if it is inaccurate.
Delete. You can have your data deleted subject to certain legal limitations.
Limit. You can limit the processing of your data, in particular any sensitive data, and limit use of automated decision making, such as profiling. Please see our Limit the Use of My Sensitive Personal Information link. We will also respond to recognized global opt-out preference signals where we can verify the request. For more information, see below.
Opt-Out. You have the right to opt-out of certain data practices. For example, you can unsubscribe from marketing communications by following the opt-out instructions in each message or by contacting us as outlined in this Privacy Policy (please note that we may still send non-marketing messages, and that consent to receiving marketing communications is not mandatory to use the Service). You may also opt out of the "sale" or "sharing" or your personal information to the extent applicable. Please see our Do Not Sell or Share My Personal Information link. You may opt out of the use of automated decision-making technology if applicable. We will also respond to recognized global opt- out preference signals where we can verify the request. For more information, see below.
Complaints. You have the right to make certain complaints, including for privacy concerns. We value your feedback and seek the opportunity to work with you on any issues. You have the right to no discrimination for asserting your privacy rights.
Specific State Laws. Several states have enacted privacy laws that may apply to you, depending on the circumstances. For example, the California Consumer Privacy Act ("CCPA"), updated by the California Privacy Rights Act ("CPRA"), governs certain California-related conduct. Under California’s "Shine the Light" law, California residents may also request certain information regarding Company sharing personal information with third parties for their direct marketing purposes. Further, if you are a California resident under the age of 18, California Business & Professions Code Section 22581 permits you to request and obtain removal of content you have publicly posted. Please note that such a request does not ensure complete or comprehensive removal of public content.
Other Laws. If certain other privacy laws apply to you that provide you with additional rights, please contact us to make a request, as we strive to comply with all privacy rights.
Do we collect information about children?
No, we do not knowingly collect any personal information about children under the age of 13. If we obtain actual knowledge that we have collected such information, we will delete it from our database. We have no such information to use or to disclose to third parties or to otherwise report, including under the Children’s Online Privacy Protection Act ("COPPA"). We do not have actual knowledge of selling or sharing the personal information of consumers under the age of 16.
How do we use or disclose sensitive information?
We disclose Sensitive Personal Information, as identified above, to third parties in the following instances:
To Obtain Your Credit Report. When you submit a Loan Inquiry, we transfer your personal information, including Sensitive Personal Information, to third-party credit bureaus to obtain your credit report. By submitting a Loan Inquiry, you are authorizing our Company and/or our associated lenders and dealers to ask for a copy of your credit report from a credit reporting agency. This is known as a “hard inquiry” and may (a) show up on your credit report and/or (b) affect your credit score. A Loan Inquiry can result in multiple hard inquiries on your credit report. Submission of your Loan Application will serve as written instructions under the Fair Credit Reporting Act that Company and/or its associated lenders and dealers may obtain your credit report and/or review your credit history and credit score for purposes of deciding whether to approve you for a Bankruptcy Car Loan.
To Share Your Loan Inquiry With Lenders and Dealers. We may transfer your personal information, including Sensitive Personal Information, to third-party lenders and dealer, so they can determine whether to provide you with a non-binding offer for a Bankruptcy Car Loan.
Under the privacy laws of some states, you may have the right to limit our processing of your Sensitive Personal information to the following uses where the use of Sensitive Personal Information is reasonably necessary and proportionate to the use: (a) to perform certain services, such as verifying information or for analytics; (b) to verify or maintain the quality or safety of our Service; (c) to perform services or provide goods reasonably expected; (d) for short-term use where there is no disclosure or profiling; and (e) to resist malicious, fraudulent, or illegal actions or to ensure physical safety.
Here, where we receive compensation for referring Bankruptcy Car Loan leads to third-party lenders and dealers, disclosure of your Sensitive Personal Information may qualify as a commercial and non-necessary use. Accordingly, you may opt-out of the use of your Sensitive Personal Information by filling out the form at our Limit the Use of My Sensitive Personal Information page, but the result is that we will not be able to process your Loan Inquiry for you or connect you with lenders or dealers offering Bankruptcy Car Loans.
Do we offer financial incentives for your data?
No, we do not currently offer any financial incentives for your data.
Do we respond to DNT Signals or GPC?
No, our Service does not currently respond to DNT, short for Do Not Track, requests. DNT is a feature that, when enabled, sends a signal to websites to request that your browsing not be tracked.
"GPC" is short for Global Privacy Control settings in your browser or extension. We recognize GPC signals. This means that if your browser has GPC enabled, our website will automatically recognize your GPC signal and opt you out of the sale of your personal information, if any. For more information about GPC, please click here: globalprivacycontrol.org.
How do we update this Privacy Policy?
We will update this Privacy Policy when our privacy practices change or as otherwise required or permitted by law. Each time you use the Service, the current version of this Privacy Policy will apply. Unless we receive your express consent, any revised Privacy Policy will apply only to information collected after the effective date of the revised Privacy Policy.
How can you contact us?
Project 17, LLC
9528 Miramar Rd, Suite 228
San Diego CA 92126
UNITED STATES
privacy@dayonecredit.com