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Psalms Finance (“we,” “us,” or “our”) may obtain certain confidential or nonpublic information about you in the course of our business. We endeavour to maintain the highest standards of confidentiality and to respect the privacy of our clients and associated persons, and other individuals whose personal information we collect and process. Our commitment to privacy includes being transparent about the nature and extent of that processing.

The Personal Information we collect comes from loan applications or other materials submitted to or obtained by Psalms Finance during the course of our relationship with you. You are not required to supply any of the Personal Information that we may request. However, failure to do so may result in our being unable to provide services to you.

Our collection, use, and disclosure policies

Category: Personal Identifiers

  • Examples of Personal Information Collected
    • Name, email address, mailing address, phone number, date of birth
  • Why Do We Collect Personal Information?
    • Administer, operate, facilitate and manage your relationship and/or account with Psalms Finance.
    • Contact you or, if applicable, your designated representative(s) by post, telephone, electronic mail, facsimile, etc., in connection with your relationship and/or account.
    • Provide you with information concerning products and/or services offered by Psalms Finance.
    • Facilitate our internal business operations, including assessing and managing risk and fulfilling our legal and regulatory requirements.
  • Where Do We Collect Personal Information From?
    • You; your authorized representatives and agents; internally generated information; third-party vendors that provide information to assist with evaluating your creditworthiness.
  • Who Do We Share Personal Information With?
    • Affiliated and non-affiliated companies (and their personnel) that perform support services for your account or process your transactions with us; lawyers, auditors, accountants and others providing professional advice; regulators and law enforcement authorities to the extent required or requested; your authorized agents and representatives; any person or entity to whom Psalms Finance is obliged by the applicable law to disclose your data and any other party where we have first obtained your prior consent.

Category: Financial Information

  • Examples of Personal Information Collected
    • Account number(s) and other information regarding accounts at other financial institutions, credit information
  • Why Do We Collect Personal Information?
    • Administer, operate, facilitate and manage your relationship and/or account with Psalms Finance.
    • Facilitate our internal business operations, including assessing and managing risk and fulfilling our legal and regulatory requirements.
  • Where Do We Collect Personal Information From?
    • You; your authorized representatives and agents; internally generated information; your service providers (including external banks and custodians); third-party vendors that provide information to assist with meeting our regulatory and compliance obligations and preventing financial crime; consumer reporting agencies.
  • Who Do We Share Personal Information With?
    • Affiliated and non-affiliated companies (and their personnel) that perform support services for your account or process your transactions with us; lawyers, auditors, accountants and others providing professional advice; regulators and law enforcement authorities to the extent required or requested; your authorized agents and representatives to whom you instructor authorize us to disclose your data; any person or entity to whom Psalms Finance is obliged by the applicable law to disclose your data and any other party where we have first obtained your prior consent.

Category: Legally Protected Classification Characteristics

  • Examples of Personal Information Collected
    • Demographic data, such as a number of households, age, gender, etc., could reveal information about membership in a protected class.
  • Why Do We Collect Personal Information?
    • Administer, operate, facilitate and manage your relationship and/or account with Psalms Finance.
    • Facilitate our internal business operations, including assessing and managing risk and fulfilling our legal and regulatory requirements.
    • Facilitate our internal business operations, including assessing and managing risk and fulfilling our legal and regulatory requirements.
  • Where Do We Collect Personal Information From?
    • You; your authorized representatives and agents; third party vendors that provide information to assist with meeting our regulatory and compliance obligations and preventing financial crime
  • Who Do We Share Personal Information With?
    • Affiliated and non-affiliated companies (and their personnel) that perform support services for your account or process your transactions with us; lawyers, auditors, accountants and others providing professional advice; regulators and law enforcement authorities to the extent required or requested; your authorized agents and representatives to whom you instructor authorize us to disclose your data; any person or entity to whom Psalms Finance is obliged by the applicable law to disclose your data and any other party where we have first obtained your prior consent.

Category: Professional or Employment-Related Information

  • Examples of Personal Information Collected
    • Occupation, title, employer, employment history
  • Why Do We Collect Personal Information?
    • Administer, operate, facilitate and manage your relationship and/or account with Psalms Finance.
    • Provide you with information concerning products and services offered by Psalms Finance.
    • Facilitate our internal business operations, including assessing and managing risk and fulfilling our legal and regulatory requirements.
  • Where Do We Collect Personal Information From?
    • You; your authorized representatives and agents; third-party vendors that provide information to assist with marketing and meeting our regulatory and compliance obligations and preventing financial crime.
  • Who Do We Share Personal Information With?
    • Affiliated and non-affiliated companies (and their personnel) that perform support services for your account or process your transactions with us; lawyers, auditors, accountants and others providing professional advice; regulators and law enforcement authorities to the extent required or requested; your authorized agents and representatives to whom you instructor authorize us to disclose your data; any person or entity to whom Psalms Finance is obliged by the applicable law to disclose your data and any other party where we have first obtained your prior consent.

Cookies and Other Tracking Technologies

We and our service providers use tracking technologies such as cookies, web beacons, device advertising IDs and similar technologies on the site and in our email communications. These technologies collect information about the use of the site, such as browser, device information and browsing information such as time spent on the site, pages visited, language preferences and other traffic data. Pixels or similar technologies may also be used in our emails to determine whether you have opened our email and how you interact with it.

These technologies may be used for a number of business purposes, such as to record your preferences, track your use of the sites across multiple devices, track how you interact with our communications, suggest products tailored to you, and measure exposure to our online advertisements, monitor traffic, analyze the use of the sites, for security purposes, to display information more effectively, to personalize a user’s experience, and to improve the site and make the site easier to use.

You have choices to limit some tracking mechanisms that collect information when you use the site. Many web browsers automatically accept cookies, but you can usually modify your browser’s setting to decline cookies if you prefer. If you choose to decline cookies, certain features of the site may not function properly or may not remain accessible to you. You may be able to prevent us from determining whether you have opened our emails via pixel technology by configuring your email client to not load images in emails.

For more information about your choices, see Interest-Based Advertising below.

Cookies

Cookies are small text files that may be placed on your device when you visit the site or when you view advertisements that we have placed on other websites. Cookies allow your browser to remember some specific information which the web server can later retrieve and use.

Tags, Pixels, Web Beacons, Clear GIFs

A web beacon, also known as an Internet tag, pixel tag or clear GIF, is typically a one-pixel, transparent image located on a webpage or in an email. These may be used when you are served with advertisements, when you interact with advertisements outside of our online services or when you open our emails. They are generally used to transmit information back to a web server.

Interest-Based Advertising

Interest-based advertising refers to collecting information about your online activities over time and across different websites, devices, and other online services to deliver advertisements based on online activity. We use interest-based advertising to deliver advertisements and other targeted content to you, including through third-party advertising companies which we may permit to track your visits to the sites. These third parties may use these technologies to collect information about you when you use the sites and your other online activities. They may collect information about your online activities over time and across different websites and other online services. They may also use persistent identifiers to track your Internet usage across other websites and devices in their networks beyond the sites. They may use this information to provide you with interest-based advertising or other targeted content.

You can learn more about the options available to limit these third parties’ collection and use of your information by visiting the websites of the Network Advertising Initiative and the Digital Advertising Alliance, as well as the web pages for Facebook’s ad preferences tool and privacy policy. If you choose to opt-out via web-based tools, a cookie will be placed on your browser indicating your decision. This cookie is specific to a particular device and browser, so if you use different browsers or devices, you will need to opt out of each. In addition, because the opt-out is facilitated via cookies, if you clear your cookies you will need to opt out again.

Sharing of Personal Information

We do not sell any of your Personal Information, including your name, mailing address or email address, to any companies.

Psalms Finance also does not disclose your Personal Information to third parties, except as described in this policy. Third-party disclosures may include sharing such information with non-affiliated companies that perform support services for your account or facilitate your transactions with Psalms Finance, including those that provide professional, legal or accounting advice to Psalms Finance. Non-affiliated companies that assist Psalms Finance in providing services to you are required to maintain the confidentiality of such information to the extent they receive it and to use your Personal Information only in the course of providing such services and only for the purposes that we dictate.

We may also disclose your Personal Information to fulfil your instructions, to protect or exercise our rights and interests and those of our business partners, or as part of a corporate transaction with a successor or affiliate or in connection with any acquisition, merger, or sale of equity or assets, or pursuant to your express consent. Under limited circumstances, your Personal Information may be disclosed to third parties as permitted by, or to comply with, applicable laws and regulations or as required by law enforcement officials; for instance, when responding to a subpoena, court order or similar legal process, to protect against fraud and unauthorized transactions, and to otherwise cooperate with law enforcement or regulatory authorities.

Your Choices

Psalms Finance will review any request for access to or deletion of your Personal Information, and/or correct or amend any of the Personal Information you have provided to us, but Psalms Finance reserves the right to deny such requests as allowed by law. You can make a request by calling 646 583 3045 or emailing us at privacy@psalmsfinance.com. Please include your name, address, and/or email address when you contact us. We will not treat you any differently should you request access to or deletion of your personal information.

We will let you know if your request is denied. Access can be denied when, for example: giving one person access would compromise another’s privacy rights; disclosure is likely to interfere with the safeguarding of national security, defence, or public security; or disclosure could interfere with law enforcement or legal actions. These are only examples, and access may be denied in other situations in compliance with applicable laws.

Retention of Data

We will keep your Personal Information for as long as reasonably necessary to fulfil the purposes for which Personal Information is collected as stated herein; for as long as is necessary to comply with our contractual obligations; and to comply with legal and statutory obligations, such as in tax, trade and corporate laws.

Security of Data

Psalms Finance will take reasonable steps to protect your Personal Information in our possession from loss, misuse, unauthorized access, disclosure, alteration, and destruction. For example, we use security measures including safeguarding and monitoring our network and controlling access to our files, equipment, and buildings. We also engage in efforts to train our personnel on data security issues.

Changes to this Policy

We may update this policy to reflect changes to our information practices or legal requirements. If we make material changes to this policy, we will let you know by appropriate means, such as posting the revised policy on this page with a new effective date. The revised policy will become effective immediately upon posting to our website. Your use of the website following these changes means that you accept the revised policy. This version of the policy is effective as of January 1, 2020.

Contact Information

If you have any questions about this policy or if you believe that your Personal Information has been processed or disclosed in violation of this policy, please contact us by sending an email to privacy@psalmsfinance.com, or a letter to:

Psalms Finance
409-417 Amsterdam Ave,
New York, NY 10024
Attn: General Counsel

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Central Africa

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Western Asia

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Bouvet Island
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Eastern Africa

British Indian Ocean Territory
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Zambia
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Caribean

Anguilla
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Trinidad and Tobago
Turks and Caicos Islands
Virgin Islands (British)
Virgin Islands (U.S.)

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