This Site is owned by CreditFresh and licensed by CBW Bank. Requests submitted via the Site are for loan products with CBW Bank, and any loan product you may receive through this Site is originated and funded by CBW Bank. CBW Bank is an FDIC-insured, Kansas-chartered bank.
Trademarks and Copyrights
Use of the Site
You may not download, view, copy and print information and any other aspect of this Site, unless expressly consented to by us, or: (i) solely for your personal, non-commercial purposes, such as to print consents, disclosures, agreements, and other pages specifically related to your transactions with us; and (ii) provided that no proprietary notices or disclaimers therein are modified, obscured or altered. The information on this Site is for informational purposes only and although we strive to be accurate, we do not warrant the Site’s completeness, timeliness or accuracy.
This Site may be accessed through most web browsers. You agree not to use any robot or other automatic device, manual process or application or data mining or extraction tool to access, monitor, copy or use the Site. You agree not to take any other action in connection with your use of the Site which violates any local, state, national or international law, rule, regulation or order of any court in conjunction with your use of the Site.
By using this Website, you agree to receive direct marketing communications from us via email. If you do not wish to receive marketing email communications from us, you may express your choice where indicated on the applicable email.
Modification or Discontinuance of the Site
At any time, without notice to you, and for any reason, we may modify or discontinue the Site or any content thereof. We shall in no way be held liable for any consequence which results from our decision to modify or discontinue providing the Site or any content thereof.
Denial of Access
We may prohibit you from using or accessing the Site, in whole or in part, for any reason, at any time, in our sole discretion, without notice to you.
Links to Third Party Sites
You acknowledge that, at any time, we may provide links to the websites of third parties via the Site. We are not responsible for the content of any links, or any products, services or other materials relating to any linked site, or any link contained in a linked site. The display of any link does not imply endorsement by us of the linked site or any content therein. ACCORDINGLY, IN NO EVENT WILL WE BE LIABLE, DIRECTLY OR INDIRECTLY, TO ANYONE FOR ANY DAMAGE OR LOSS ARISING FROM OR RELATING TO ANY USE, CONTINUED USE OR RELIANCE ON ANY PRODUCTS, SERVICES OR OTHER MATERIALS FROM HYPERLINKS.
The following terms describe our online practices and apply to anyone who visits the Site and/or any CreditFresh-branded social media sites or pages.
We collect and receive certain information about you when you visit the Site. What we receive, and how we receive it, in part depends on what you do when you visit the Site.
We collect personally-identifiable information when you provide it to us
We will collect your personal information if you decide to inquire about a credit product or service. You will be asked to provide contact information, such as name, address, phone number, and email address. We will also ask for credit-related information, including your social security number, date of birth, and income, as part of the process. We may use your contact information to send you information while we process your request.
Your choice to provide your personal information is entirely optional. You may choose what information to provide to us. You may choose to provide all or only some of the information requested. But if you decline to provide certain information, you may not be able to use all of our services or receive a Line of Credit from CBW Bank.
We collect non-personally-identifiable information automatically when you visit the site
Cookies are small data files that are delivered to a web browser by a web server. Cookies help us understand how users interact with our Site. We may keep track of a user’s browsing activities when they serve a user content, including collecting anonymous information about a user’s visits to the Site and your interaction with our ads and content.
Generally, web browsers automatically accept cookies by default. At any time, a user can adjust their browser preferences to selectively accept cookies or to refuse all cookies. However, some website features or services may not function properly without cookies and the efficiency of the website may be impacted. Please note that on some third-party websites, when a user opts out, a cookie will be set on the user’s browser and all potential linked browsers in order to recognize the user’s opt-out preferences. If such cookies are cleared, the user must opt out again.
We use web beacons, also known as pixel tags, alone or in conjunction with cookies to compile information about users’ usage of the Site. Web beacons are clear electronic images that can recognize certain types of information on your computer, such as cookies, when you viewed a particular website tied to the web beacon, and a description of a website tied to the web beacon. For example, we may place web beacons in marketing emails that notify us when you click on a link in the email that directs you to the Site. We use web beacons to operate and improve our website and email communications and to analyze the performance of our marketing campaigns. We may use information from web beacons in combination with data about users to provide you with information about us.
In providing interest-based advertising, we follow the cross-industry Self-Regulatory Principles for Online Behavioral Advertising managed by the Digital Advertising Alliance. To learn more about interest-based advertising, your choices regarding collection of your online browsing activity, or to opt out of interest-based advertising visit:
We collect other site usage information via Google Analytics and Google's DoubleClick cookie to serve ads over time based on a user's prior visits to our website. You may opt out of Google Analytics by visiting the Google Analytics opt-out page.
Website Usage Information
We collect website usage information through a third-party service provider. The information includes, but it is not limited to, clicks, taps and scrolling behavior, web pages viewed, session duration, time to submit or abandon a web form, and others.
How We Respond to Do Not Track Signals
AT THIS TIME, WE DO NOT TRACK OUR CUSTOMERS OVER TIME AND ACROSS THIRD-PARTY WEBSITES OR ONLINE SERVICES AND THEREFORE DO NOT RESPOND TO DO NOT TRACK SIGNALS. However, some third-party websites may keep track of a user’s browsing activities when they serve a user content.
Social Media Platforms
How We Use and Share the Information We Collect
We use and share the information we collect for various purposes, including, but not limited to:
- Sharing in aggregate, statistical form, non-personal information regarding the visitors to the Site, traffic patterns, and Site usage with our partners and/or affiliates;
- Disclosing information we maintain, including PII, when required to do so by law, or in response to a request from a law enforcement agency or authority;
- Making improvements to the Site based on the way users interact with the Site;
- Analyzing non-user-specific data on our Site users to help us improve and customize our products (as applicable) and services using tools including Google Analytics; and
- Delivering advertisements to consumers for our products (as applicable) and services on the Site, as well as on third-party websites, based on consumer browsing behavior.
If you go beyond merely browsing our Site, and apply or become a customer, the sharing of your PII will be governed by our customer privacy policies that may be accessed by clicking here.
Modifications to Information
We strive to maintain the accuracy of any PII that may be collected from you and will use commercially reasonable efforts to respond promptly to update our database when you tell us the information in our database is not accurate. It is your responsibility to ensure that such information is accurate, complete and up-to-date. You may obtain from us, by email, the information in our records. If you wish to make any changes to any PII you have provided to us, you may do so at any time by calling us at 1-800-766-2007.
How Long We Keep the Information We Collect
We will maintain the information that is necessary to provide the requested service for as long as we are required, and for as long as it takes to provide any such requested service. We may still need to keep personal details about users of the Site so that systems reflect your preferences, even if a user has chosen to opt out of allowing us to use those personal details for marketing purposes. We may keep records of any information entered on the Site for a minimum of 5 years from the end of our relationship with you. We may keep other information only to the extent necessary to comply with applicable laws and to further legitimate business needs.
Personal Information on Children
The Site, and the products and services described on the Site, are intended for use by individuals who are at least 18 years old. If you are under the age of 18 you should not be visiting the Site. We do not knowingly collect or retain personal information from children under the age of 18. If you are under the age of 18 and are visiting or otherwise using the Site, you are advised not to disclose or provide any personally-identifiable information on the Site.
As a condition of your use of this Site, you agree that you will not, and you will not take any action intended to: (i) access data that is not intended for you; (ii) invade the privacy of, obtain the identity of, or obtain any personal information about any customer or user of this Site; (iii) probe, scan or test the vulnerability of this Site or our network or breach security or authentication measures without proper authorization; (iv) attempt to interfere with service to any user, host or network or otherwise attempt to disrupt our business, including, without limitation, via means of submitting a virus to this Site, overloading, "flooding," "spamming," "mail bombing" or "crashing;" or (v) send unsolicited mail, including promotions and/or advertising of products and services. Violations of system or network security may result in civil or criminal liability.
We maintain standard physical, electronic and procedural safeguards intended to protect your personal information. We have standard security procedures in place to safeguard against loss, theft, unauthorized access, destruction, misuse, and modification of this information after we receive it. In addition, we use standard safeguards to control the information security practices of third parties with whom we share any personal information. However, no safeguarding, security procedure, or security program is foolproof, and thus we cannot guarantee the absolute security of your personal or other information.
Disclaimer of Warranties and Limitation of Liability
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITE, OR ANY INFORMATION, CONTENT, AND SERVICES CONTAINED IN, ACCESSED VIA, OR DESCRIBED ON THE SITE, IS AT YOUR OWN RISK, AND THAT ALL SUCH INFORMATION, CONTENT, SERVICES AND MATERIALS ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, WE MAKE NO, AND HEREBY DISCLAIMS ALL, REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE AVAILABILITY, OPERATION AND USE OF THE SITE OR ANY INFORMATION, CONTENT OR SERVICES ON OR ACCESSED VIA THE SITE, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND IMPLIED WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE. FURTHER, WE MAKE NO REPRESENTATIONS AND WARRANTIES THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR FREE OF ERRORS, VIRUSES, OR OTHER HARMFUL COMPONENTS.
IN NO EVENT SHALL WE BE LIABLE TO YOU OR ANY THIRD PARTY FOR DAMAGES OF ANY KIND ARISING OUT OF THE USE OF, ACCESS TO, RELIANCE ON, INABILITY TO USE OR IMPROPER USE OF THE SITE, INCLUDING ANY DAMAGES ARISING OUT OF ANY DENIAL BY CBW BANK OF ANY REQUEST SUBMITTED BY YOU OR ANY REFUSAL TO FUND YOUR ACCOUNT (INCLUDING, BUT NOT LIMITED TO, ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES OR DAMAGES FOR LOSS OF PROFITS, TRADING LOSSES, GOODWILL OR REVENUE, BUSINESS INTERRUPTION, OR LOSS OF DATA), EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE.
CERTAIN STATE LAWS DO NOT PERMIT LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN TYPES OF DAMAGES, AND THUS SOME OR ALL OF THE DISCLAIMERS, EXCLUSIONS OR LIMITATIONS ABOVE MAY NOT APPLY TO YOU.
Notice and Procedure for Making Claims of Intellectual Property Infringement
We respect the intellectual property right of others. If you believe that any content on this Site may infringe your copyrights or other intellectual property rights, you may notify us by providing the following information in writing:
- An electronic or physical signature of the person authorized to act on behalf of the owner of the intellectual property interest;
- A description of the intellectual property right that you claim has been infringed;
- A description of where the material that you claim is infringing is located on the Site;
- Your name, address, telephone number, and e-mail address;
- A statement by you that you have a good faith belief that the disputed use is not authorized by the intellectual property owner, its agent, or the law;
- A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the intellectual property owner or authorized to act on the intellectual property owner's behalf.
Our agent for notice of claims of intellectual property infringement on the Site can be reached as follows: CreditFresh, 200 Continental Drive, Suite 401, Newark DE 19713, Phone: 1-800-766-2007, Email: firstname.lastname@example.org.
Effective date: June 11, 2019