Privacy policy

We Accelerate, Inc. d/b/a Accelerate (collectively referred to herein as “We Accelerate,” ”Accelerate,” “we,” “our,” or “us”) recognizes the importance of protecting personal data we may collect from visitors and any other individual or entity (“Users,” “you,” or “your”) who visit our websites or use our services. This Privacy Policy (the “Policy”) applies to our collection, sharing, and use of data about you (“Personal Data”). This Policy shall apply to your use of our websites, including weaccelerate.com, applications, software, communications, capabilities, and services (each, a “Service” and collectively, the “Services”).

This Privacy Policy applies solely to Personal Information that is processed by Accelerate in its role as a “business” or equivalent designation under relevant data protection laws. Unless explicitly stated otherwise, this Privacy Policy does not cover the use of Personal Information by an Accelerate Merchant or any Personal Information processed by Accelerate on behalf of an Accelerate Merchant under a separate customer agreement. If you are a customer of an Accelerate Merchant, please refer to the merchant's privacy policy to understand how your Personal Information is handled. Occasionally, the Accelerate Services may include links to websites operated by other businesses. Please note that these external websites have their own privacy policies, and Accelerate does not assume responsibility for their privacy practices. Be sure to review their privacy policies before providing any Personal Information.

Please familiarize yourself with this Policy. By accessing or using the Accelerate Services you: (1) acknowledge that you have read and understand this Policy; and (2) agree to be legally bound by them in their entirety and as they may be amended from time to time. As used in this Policy and unless separately identified as applicable to either an individual or entity, “you” and “your” refer to you individually. If you have any questions or comments about this Policy, please submit a request to support@weaccelerate.com.

Our Policy explains the following topics:

01Personal Data We May Collect
02How We Use Personal Data
03How We Share Personal Data
04Your Consents
05How We Protect Personal Data
06Our Retention of Your Personal Data
07Your Rights and Choices
08Children’s Privacy
09Website User Terms
10Changes to this Policy
11How to Contact Us

Personal Data We May Obtain

We may obtain Personal Data about you from: (1) you; (2) our Partners from whom you’ve requested products or services; (3) your financial institutions; and (4) third-parties.

The specific types of Personal Data we collect depend on how you interact with us and the nature of the products or services you request from our Partners. We will only collect the Personal Data necessary for those purposes. If you do not provide the required information or allow us to obtain it from our Partners or other third parties, we may be unable to deliver the Services needed for our Partners to provide the products or services you’ve requested.

Personal Data we may obtain includes, but is not limited to, the following:

Personal Identifying Information: name, address, date of birth, Social Security number, email, mobile telephone number
Liability Account Information: names of your financial institutions, creditors, utility providers, account/liability type, account/loan term, account/loan number, routing number, balances, fees and charges, interest rates, due dates, payoff information, transaction and payment history, payment status
Payment/Transfer Account Information: account number, account type, routing number, balance, payment card number, CVC code, card expiration date
Electronic Device Information: IP address, device location and timezone, device model and operating system
Job Application/Employment Information: Personal Identifying Information (see above); information contained on your resume, cover letter, other application submissions, social media sites (like LinkedIn), background check, references; right to work information

We also collect Personal Data through cookies and similar online technologies. For more information, please see “Website User Terms” below.

How We Use Personal Data

We process Personal Data for a variety of business purposes, including:

To Deliver Accelerate Services or Information You Request

Accelerate processes your Personal Data to provide the services you’ve requested. For instance, if you use Accelerate, we may use your information for the following purposes:

To facilitate payments for purchases made with Accelerate Merchants.
To verify your identity, approve transactions, and monitor for fraudulent, prohibited, or illegal activities (including using automated decision-making technologies).
To keep you informed about your purchases, such as sending shipping and return updates.
To tailor and personalize your shopping experience with Accelerate Merchants.

When registering through our mobile app, your existing Accelerate Account (if applicable) will be linked to your app profile.

For Administrative Functions

Accelerate may use your Personal Data for purposes related to service administration, including:

Addressing your questions, comments, or requests for technical or customer support.
Sending secure SMS login codes.
Granting access to specific features, functionalities, and areas of Accelerate’s platform.
Conducting internal quality checks and operations.
Sending communications about your Accelerate Account, including emails for account verification, system maintenance, and updates to policies or services.
Enforcing agreements and protecting service integrity.
Managing and administering Accelerate’s services and platform.

For Marketing Purposes

Accelerate may use your Personal Data to promote its services as allowed by law. This includes:

Informing you of promotions, offers, or services you might find valuable.
Personalizing content, advertisements, and offers for you.
Conducting surveys and market research to improve services.
Creating and marketing new services and products.
Acting on any consent you provide for marketing-related activities.
Using your information for other purposes disclosed at the time of collection.

Use of Aggregated and De-identified Information

We may transform Personal Data into de-identified or aggregated data that is no longer personally identifiable. This information may be used for:

Analyzing patterns of usage and interest in Accelerate’s services.
Conducting research, analytics, and internal assessments.
Any other purpose that complies with applicable legal standards.

Use of Cookies and Similar Tracking Technologies

Accelerate, along with authorized third parties, may use cookies, pixel tags, and similar technologies (“Tracking Technologies”) to automatically collect data when you interact with the Accelerate platform.

These technologies help us enhance the platform and personalize user experiences.
You can manage your preferences or disable these Tracking Technologies through your device or browser settings.
For more details, please refer to our Cookie Policy.

Other Uses of Personal Data

In alignment with its intended purpose or as permitted by you, Accelerate may also use your Personal Data for the following:

Supporting our Partners in delivering the products or services you’ve requested.
Performing accounting, auditing, and billing tasks.
Protecting users, merchants, and the platform from fraud, misconduct, and malicious actions.
Enhancing existing services and developing new offerings.
Complying with applicable legal and regulatory obligations.
Analyzing data and conducting testing to improve service functionality.
Investigating, reporting, and mitigating fraudulent or harmful activity.
Resolving disputes and defending against legal claims.
Evaluating and screening job applicants as part of recruitment processes.

We will always obtain your consent before using your Personal Data for any purposes not outlined in this Policy.

We share Personal Data for various business purposes in accordance with applicable laws. The ways in which we may share your information include:

With Accelerate Partners and Merchants

We may share your Personal Data with Accelerate Partners or Merchants to provide the products or services you’ve requested. For example:

To facilitate transactions, we may share necessary information with the Accelerate Merchant you are purchasing from.
Your Personal Data may also be subject to the Merchant’s privacy policy, which we encourage you to review. Accelerate is not responsible for the privacy and security practices of its Merchants.

With Service Providers

We may share your Personal Data with service providers who support us in delivering the Accelerate Services. These providers may assist with:

Hosting and IT services.
Payment processing.
Customer service activities.
Compliance monitoring and fraud prevention.
Identity verification, data storage, and other operational support services.

With Affiliates

Accelerate may share your Personal Data with its Affiliates for internal business purposes or to deliver services you’ve requested. "Affiliate" refers to any entity that directly or indirectly controls, is controlled by, or is under common control with Accelerate.

With Business Partners

We may share your Personal Data with business partners, including those with whom we jointly offer products or services or whose offerings may interest you. Accelerate requires these partners to maintain the confidentiality of your Personal Data and use it solely for the agreed purposes.

With Advertising Partners

Accelerate may allow third-party advertisers to collect information through cookies or similar technologies to deliver interest-based or personalized advertisements. This data includes information about your activity on the Accelerate platform, such as IP addresses or page visits. You can opt out of sharing this information by following the instructions in our Cookie Policy.

To Comply with Legal Obligations or Protect Rights

We may disclose Personal Data when we have a good-faith belief that it is necessary to:

Comply with applicable laws, court orders, subpoenas, or governmental requests.
Protect the rights, property, or safety of you, others, our Partners, or Accelerate.
Enforce our agreements and policies.
Prevent fraud, misconduct, or malicious activity.
Collect outstanding payments owed to Accelerate.
Respond to security threats or investigations of suspected illegal activities.

In Business Transactions

In the event of a merger, acquisition, financing, reorganization, bankruptcy, or other transfer of assets, your Personal Data may be shared or transferred as part of that transaction, subject to applicable laws and contracts.

For International Data Transfers

Personal Data collected by Accelerate may be transferred to and stored in the United States or other countries where we operate. By using Accelerate’s services, you acknowledge that your Personal Data may be transferred to jurisdictions with different data protection laws than your country of residence. When disclosing your Personal Data internationally, we take reasonable steps to ensure that such recipients protect your information in compliance with applicable laws.

What We Don’t Do

Accelerate does not sell your Personal Data or provide third parties with access to your Personal Data for their own independent purposes.

These practices ensure that any sharing of Personal Data is handled responsibly and aligns with your expectations and legal requirements.

As explained in this Policy, our Partners use Accelerate's Services to deliver the products and services you request. By engaging with our Partners and allowing them to provide these products or services, you acknowledge and agree to the following:

01
Identity Validation and Fraud Prevention
- Accelerate may validate your identity and prevent fraud using your Personal Data obtained from our Partners, your wireless carrier, and our service providers.
- You authorize your wireless carrier to share information about your account and wireless device, if available, with Accelerate or its service providers for the duration of your business relationship. This information will be used solely to help verify your identity and prevent fraud.
- Refer to this Privacy Policy for details on how Accelerate treats your data.
02
Consumer Reporting Agencies and Credit Information
- You consent to Accelerate and its Partners to share your Personal Data with one or more consumer reporting agencies and obtain a consumer report ("credit pull") about you.
- You understand that this credit pull is a soft inquiry and will not affect your credit score.
- Accelerate and its Partners will use this information to verify your identity and to identify and collect data on your liability and debt accounts, including account numbers, types, balances, interest rates, payoff amounts, late fees, and payment history ("Account Data").
03
Authorization to Access and Share Account Data
- You authorize and direct Accelerate and its Services Partners to use your Personal Data to access, obtain, and transmit Account Data from your financial institutions, lenders, creditors, service providers, or their third parties.
- You consent to Accelerate and its Partners to sharing the Account Data with Accelerate to enable Accelerate to provide you with the requested services or products.
- Your authorization, direction, and consent remain valid throughout your business relationship with the Partner and are limited to facilitating the provision of products or services you request.

These consents are necessary to ensure that Accelerate and its Partners can fulfill their obligations and provide the services you have requested in a secure and lawful manner.

You acknowledge and agree to this Policy (weaccelerate.com/privacy) and our Terms of Service (weaccelerate.com/terms)

How We Protect and Retain Personal Data

Protection of Personal Data

We take steps to ensure your Personal Data is handled securely and in accordance with this Privacy Policy. While we strive to protect your information, it is important to note that no method of transmission over the Internet or electronic storage is completely secure, and we cannot guarantee the absolute security of any information you share with us.

To safeguard your information, we store Personal Data with third-party providers that maintain robust administrative, technical, and physical safeguards. These measures are designed to protect against accidental, unlawful, or unauthorized destruction, loss, alteration, access, disclosure, or misuse of Personal Data. The security measures employed by our third-party providers include:

Encryption to secure data during transmission and storage.
Firewalls to block unauthorized access.
Secure Socket Layer (SSL) or Hypertext Transfer Protocol Secure (HTTPS) to encrypt data exchanges.

For your protection, we encourage you to keep your Personal Data, usernames, and passwords confidential. You will never need to disclose your username or password for financial accounts to us or our Partners to use our Services. Avoid sharing sensitive information such as passwords, Social Security numbers, or payment details through email.

If you suspect a breach of this Privacy Policy or the security of our Services, please notify us immediately at support@weaccelerate.com.

Retention of Personal Data

We retain Personal Data only as long as necessary to fulfill the purposes for which it was collected, used, or as required to comply with applicable legal obligations.

Your Rights and Choices

Your Rights

Depending on applicable laws, you may have specific rights regarding your Personal Data. For instance, you may:

Access and review the information we collect about you.
Request corrections or deletions of your Personal Data.
Revoke your consent for us to access or share your data.

To exercise your rights, contact us at support@weaccelerate.com. Please note that withdrawing your consent may affect the products or services you receive from our Partners.

How to Revoke Consent

If you wish to revoke your consent to access or share your data with our Partners, please email us at privacy@weaccelerate.com. Revoking consent may disrupt the delivery of services or products requested from our Partners.

To protect your privacy and security, we will verify your identity before granting access to or making changes to your Personal Data.

We remain committed to safeguarding your information while providing transparency about your rights and the steps you can take to protect your data.

Children's Privacy

We do not knowingly collect personally identifiable information from anyone under the age of 18. Our Services are not designed or intended to be used by anyone under the age of 18). If you are under the age of 18, you are prohibited from using the Services.

Information We Collect Through Websites and Applications

When you use or interact with our websites, applications, or send us emails, we may collect information about your device and how you engage with our content through cookies, web beacons, and similar technologies. This information may include Internet Protocol (IP) addresses or other identifiers that could be classified as Personal Data. We use this data to enhance your experience and improve the overall quality of our services.

For example, if you contact us through our website or download specific content, we may request your contact information, such as your name, email address, or phone number.

We may also track which of our websites you visit, where you were before visiting our website, and where you go after leaving. This allows us to generate statistics to understand how visitors use our website and identify areas for improvement. Additionally, we may use the information we gather in other ways, as specified at the time of collection.

Aggregated and Anonymized Data

We may also collect aggregated and anonymized data, such as statistical information, for similar purposes. While this data may originate from your Personal Data, it is no longer classified as Personal Data once anonymized, as it cannot directly or indirectly identify you.

Managing Cookies and Similar Technologies

You have options to manage, delete, or opt out of our use of cookies and related technologies on our websites.

Direct Marketing and Do Not Track (DNT) Signals

We do not track users over time across third-party websites for targeted advertising, and therefore we do not respond to Do Not Track (DNT) signals. However, some third-party websites may track your browsing activities to deliver tailored content.

Cookies and Similar Technologies

We and our partners use cookies and similar technologies to gather and store data when you visit our websites or interact with our partners, including advertising services. This enables us to identify your browser or device and analyze how our services are used. Our partners include platforms such as Google, Clearbit, LinkedIn, and FullStory.

Technologies Used for Automatic Data Collection

01
Cookies
- Cookies are small files stored on your computer's hard drive. They help us recognize your browser and deliver a better experience.
- You can adjust your browser settings to refuse cookies, but doing so may limit your access to certain features of our services. If cookies are not disabled in your browser, they will be issued automatically when you access our services.
02
Web Beacons
- Web beacons (also called pixel tags or single-pixel gifs) are small graphic elements embedded in web pages or emails. They allow us to track user engagement, such as counting visitors to a page or determining whether an email has been opened. They also help us monitor website statistics and maintain system integrity.
03
Clickstream Data
- Clickstream data tracks your browsing activity on our websites. This includes details such as pages visited, time spent on each page, links clicked, and the referring and exit pages. This information helps us analyze user behavior, understand which content is most popular, and identify aggregate trends among visitors.

By using these technologies, we aim to improve our services, enhance your experience, and gain insights to better serve our users and partners.

Changes to this Policy

Our Policy may change from time to time. We will post any updated Policy on our website at weaccelerate.com/privacy. We will also keep prior versions of this Policy and make them available on request.

Last Updated: November 25, 2024