Privacy Policy

PLEASE READ THIS PRIVACY POLICY CAREFULLY. THIS POLICY DESCRIBES THE WAYS Enable, LLC (“Enable”, “we”, “us”, “our”) OR OUR VENDORS COLLECT, PROTECT, USE AND STORE YOUR PERSONAL INFORMATION. YOU ACCEPT THIS PRIVACY POLICY BY USING OUR PRODUCTS AND SERVICES ON OUR WEBSITE OR THROUGH ANY OTHER MEANS (COLLECTIVELY THE “SERVICES”). We may amend this Privacy Policy at any time by posting a revised version on our website. We will attempt to give a reasonable notice period upon making any changes; however, unless otherwise stated, the revised version will be effective at the time we post it.

INFORMATION ENABLE COLLECTS ABOUT YOU

Information Provided by You

We collect personal information about you that you provide while you use www.Enable.com or any associated websites, desktop or mobile applications. We collect most of this information during the registration and/or application process. Additional information may be gathered during your subsequent use of the site, or when we communicate with you via telephone, email or other means.

If you open an account or use the Enable Services, we may collect the following types of information: Personal information – your name, Social Security Number, address, phone, email, third-party application IDs, and other similar information. Financial information – bank account numbers and/or credit card numbers that you link to your Enable account or give us when you use the Services. Before permitting you to use the Services, we may require you to provide additional information, including but not limited to your date of birth, Social Security Number and other personal information. We may use this information to verify your identity or other information you provide.

Information Collected Based on your Activity and Use

When you visit the Enable website or use the Services, we may collect information sent to us by your computer, mobile phone or any other device. This information may include your IP address, device information including but not limited to 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. For example, we may evaluate your computer, mobile phone or other access device to identify any malicious software or activity that may affect the availability of 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. 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.

Cookies and Anonymous Identifiers

Enable and our marketing partners and service providers use technologies such as cookies, beacons, tags, and scripts, to analyze trends, administer the website, track users’ movements around the website, and gather demographic information about our user base as a whole. We may receive reports on this activity on an individual and aggregated basis. We also use cookies and anonymous identifiers when you interact with the services we offer to our partners, such as advertising services or Enable features that may appear on other sites and in any other manner that we deem necessary for our business purposes. You can control the use of cookies within your web browser. However, if you reject cookies, your ability to use some features or areas of our websites may be limited.

Third Party Technologies

We also partner with third parties to manage our advertising on other sites and evaluate our overall site performance. Our third party partner may use technologies such as cookies to gather information about your activities on our websites and other sites in order to provide you advertising based upon your browsing activities and interests or help us track the success of our marketing efforts or overall site performance.

Do-Not-Track Signals

Enable does not process or respond to “do not track” signals or other similar signals whereby a visitor to a website requests that it disable collection of information about the visitor’s online activities over time and across different websites.

Information Obtained From Third Parties

We may also obtain information about you from third parties such as credit bureaus and identity verification services. You may choose to provide us with access to certain personal information stored by third parties such as social media sites (such as Facebook and Twitter). The information we have access to varies by site and is controlled by your privacy settings on that site and your authorization. By associating an account managed by a third party with your Enable account and authorizing Enable to have access to this information, you agree that Enable may collect, store and use this information in accordance with this Privacy Policy.

HOW ENABLE USES YOUR INFORMATION

To Improve Our Service

Enable uses information to perform and improve our services, contact you, conduct research, and provide anonymous reporting for clients. For example, we may use information to provide customer service and support, process transactions, resolve disputes, collect payments, prevent illegal activities, customize the Services, reduce risk to all parties involved in our transactions, and verify the accuracy of information.

To Serve Relevant Marketing to You

We may use information to deliver targeted marketing, service update notices, and promotional offers based on your communication preferences. We may combine your information with information we collect from other companies and use it to improve and personalize the Services, content, and advertising.

HOW ENABLE SHARES YOUR INFORMATION

We share your personal information with employees, affiliates, nonaffiliates, vendors, partners and third parties. By law, you are permitted to limit some types of sharing, but not others.

Enable shares your information with third parties as permitted by law, including in the following specific ways:

  • Third Party Financing Platforms. Loan applications through Enable are processed by another online finance platform, to which you are providing your information when you apply for a loan. The use of your information by that online financing platform is governed by that company’s privacy policy.
  • Lending Partners. In submitting an inquiry for a loan product or other service offered through this website, when you click on any button indicating an acceptance or agreement to terms, a continuance of processing or submission, you signify your agreement to proceed you are consenting, acknowledging and agreeing to the disclosure of your information with Lending Partners or other third parties with whom you are or may be matched or to whom your information may be provided. Be aware that the Lending Partners with whom you are matched may retain or use your information whether or not you use their services and you should contact these Lending Partners directly concerning their privacy and information sharing practices which may differ from those of Enable.
  • Third Parties. Enable reserves the right to disclose your information, including your email address, to any third party or nonaffiliate for any purpose permitted by applicable law. Enable may be compensated for such disclosure. Parties to whom Enable discloses your information may advertise, market, or make product or service offerings directly to you.
  • Merchants or Service Providers. If you applied for a loan to be used with a merchant or service provider, Enable may share your information with the merchant or service provider associated with your loan application.
  • Legal Requests & Regulatory Requirements. Enable may also share information to comply with, or to allow investors or potential investors to comply with, any applicable law, regulation, legal process or governmental request; or for the purposes of limiting fraud; or in connection with an audit or the sale of Enable to a third party.

HOW ENABLE PROTECTS YOUR INFORMATION

Safety Policies

Enable stores and processes your information maintaining physical, electronic and procedural safeguards. We maintain physical security measures to guard against unauthorized access to systems and use safeguards such as firewalls and data encryption. We enforce physical access controls to our buildings, and we authorize access to personal information only for those employees who require it to fulfill the responsibilities of their jobs.

WHAT ARE YOUR OPTIONS?

Notifications

If you no longer wish to receive notifications about our Services, you may change your notification preferences by emailing support@EnableFinancing.com. Enable reserves the right to close or limit access to your account should you opt out of the crucial notices that are required to perform the Enable Service. You are still responsible for any amounts due to Enable even if we close or limit access to your account.

SMS Messaging

You can opt out of receiving SMS messages by emailing support@Enable.com. Alternatively, you may be able to indicate your preference by logging into your account and adjusting your preferences or by following the directions provided with the communication. Again, Enable reserves the right to close or limit access to your account should you opt out of the crucial notices that are required to perform the Enable Service. You are still responsible for any amounts due to Enable even if we close or limit access to your account.

ADDITIONAL FACTS AND ACCESSING YOUR INFORMATION

You can review and edit your personal information at any time by contacting us at support@Enable.com. You can also request to close your account by contacting us at support@Enable.com. We will keep your account information in our database to comply with our legal obligations. This is necessary in order to deter fraud, by ensuring that persons who try to commit fraud will not be able to avoid detection.

CONTACT ENABLE

If you have questions or concerns regarding this Privacy Policy, you should contact us at support@Enable.com.

Enable White Label Disclosure

Enable utilizes a white-label and fully licensed 3rd party provider (PayPossible, Inc.) for all of the services provided above. By agreeing to the Enable Privacy Policy you are accepting the PayPossible, Inc. Privacy Policy: https://www.paypossible.com/privacy-policy

 

Facts

What does Enable do with your personal information?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:


  • Social Security Number and income
  • Employment information

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Enable, Inc. chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information

Does Enable share?

Can you limit this sharing?

For our everyday business purposes– 

such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes– 

to offer our products and services to you

Yes

No

For joint marketing with other financial companies

No

We don’t share

For our affiliates’ everyday business purposes– 

information about your transactions and experiences

Yes

No

For our affiliates’ everyday business purposes– 

information about your creditworthiness

Yes

Yes

For affiliates to market to you

Yes

Yes

For nonaffiliates to market to you

Yes

Yes

 

Questions?

To limit our sharing of information or for questions email support@Enable.com

 

Who we are

Who is providing this notice?

Enable

What we do

How does Enable protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Enable, Inc. collect my personal information?

We collect your personal information, for example, when you


  • Apply for a loan or open an account
  • Provide us information including your income and employment information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only 


  • Sharing for affiliates’ everyday business purposes–information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for nonaffiliates to market to you 

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.


  • Nonaffiliates we can share with include financial services companies, marketing companies, and other service providers.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.


  • Enable doesn’t jointly market.