Clara Capital LLC (hereinafter “Company”) is dedicated to protecting your privacy and providing you with the highest level of service. This Policy explains what the Company does to keep information about you private and secure. This Policy covers only information that you provide to the Company or that it obtains about you from companies that you have chosen to do business with.
Please read this Policy carefully and contact us if you have any questions.
Personal Information We Collect
The personal information we collect about you comes from the following sources:
- Information we receive from you, such as your name, address, and telephone number, or other information that you provide to us over the phone or in documents or applications,
- Information about your transactions, such as your account balances with your creditors, payment histories, account activity, and all other information that may be contained in your credit card statements or other reports relating to your debt, and
- Information we receive from consumer reporting agencies and other sources, such as your credit bureau reports, collection agency reports or other communications, and other information relating to your payment histories, creditworthiness, annual income, or ability to satisfy your obligations.
We will not sell or transfer your personal information to third parties without your consent. We may disclose such information in order to effect or carry out any transaction that you have requested of us or as necessary to complete our contractual obligations with you. We may also share your information with service providers that perform business operations for us, companies that act on our behalf to market our services, or others only as permitted or required by law, such as to protect against fraud or in response to a subpoena. We may also share or transfer our information in the event we transfer or sell your account or our business assets to another provider.
By carrying out those services, we may disclose your information, as we see fit and as permitted by law, to your creditors, credit card companies, collection agencies, banks, and other entities and individuals specifically necessary to effect, administer and perform our services.
Such consent may be withdrawn by calling the telephone number provided below or may be done in writing/email and sent to our customer service department at the following physical address or email address:
6901 Jericho Tpke. Ste 215 Syosset, NY 11791
Main Office: 1 (888) 395-3563
Types of Cookies Used
We use the following cookies on our Website(s):
a) Essential Cookies: These cookies are necessary for the operation of our Website(s). They enable you to navigate through the Website(s) and use its features. Without these cookies, certain services on our Website(s) may not be available to you.
b) Analytical/Performance Cookies: These cookies help us understand how visitors interact with our Website(s) by collecting information about the number of visitors, the pages they visit, and the links they click. We use this information to improve the performance and design of our Website(s).
c) Functionality Cookies: These cookies allow our Website(s) to remember choices you make (such as your username, language, or region) and provide enhanced features. They may also be used to provide services you have requested, such as live chat support.
d) Advertising/Targeting Cookies: These cookies are used to deliver relevant advertisements to you and measure the effectiveness of our advertising campaigns. They track your browsing habits and help us serve personalized content and ads based on your interests.
e) Social Media Cookies: These cookies enable you to share content from our Website(s) through social media platforms or track your interaction with social media plugins.
Third Party Cookies
a) We may allow third-party service providers, such as analytics companies and advertisers, to place cookies on our Website(s) to collect information about your online activities. These third-party cookies are subject to the privacy policies of the respective companies and are not controlled by us.
Your Cookie Choices
a) Most web browsers automatically accept cookies, but you can usually modify your browser settings to decline cookies or receive a notification when a cookie is being sent. However, please note that blocking or deleting cookies may impact your ability to use certain features of our Website(s).
b) You can manage your cookie preferences and opt-out of certain types of cookies by adjusting the settings in your browser or using the opt-out mechanisms provided by the third-party service providers we use. Please refer to the relevant third-party’s privacy and cookie policies for more information.
How We Protect Your Information
We train our employees to protect all customer information. We maintain physical, electronic and procedural controls that comply with government standards. We authorize our employees, agents and contractors to get information about you only when they need it to do their work with us. You can help to maintain the security of your online transactions by not sharing your personal information or password with anyone. Remember, no method of transmission over the Internet, or method of electronic storage, is 100% secure.
This Policy applies to current and former customers. If you have any questions, please contact Clara Capital at:
6901 Jericho Tpke. Ste 215 Syosset, NY 11791
Main Office: 1 (888) 395-3563
Notice at Collection (California Residents)
Effective January 1, 2023, the California Privacy Rights Act(“CPRA”) provides specific rights to California residents related to their “personal information,” as defined under the CPRA. CPRA provides you with certain rights with respect to this information. This section enumerates the CPRA required disclosures and details those rights under the CPRA. Personal information does not include information that is publicly available, deidentified, or aggregated.
This section only applies to California residents. The rights discussed in this section do not extend to individuals who are not California residents.
Information We Collect
Throughout your interactions with Clara Capital, we collect various types of information about you. In the past 12 months, we have collected the following categories of personal information about California residents who are website visitors, users, and businesses that access Services provided by or through Clara Capital:
First and last name, mailing address, Internet Protocol (IP) address, email address, social security number, driver’s license number, or other similar identifiers
Categories of information described in the California Customer Records Statute:
First and last name, social security number, address, primary telephone number, job title, bank account number, or any other financial information
Commercial or transactions information:
Products or services purchased, obtained, or considered
Audio or similar information
Internet or other electronic network activity information:
Information about your internet connection, including IP address, geographical location, operating system, browser type, referral source, time and length of visit, button clicks and/or page views, and your mobile device identifier (IDFA or AAID)
Professional or employment-related information:
Job title, income
We collect the information listed above from the following categories of sources: (i) information provided by you, (ii) information we collected when you use our Services, or (iii) information received from third parties. We may use information we collect for purposes set forth above.
How Clara Capital Discloses Personal Information
Clara Capital may share your personal information with third party service providers to help us conduct the business purposes listed above, including, but not limited to, sharing with service providers to assist us in providing the Services. Our service providers are authorized to use your personal information only as necessary to provide their services to us. Additionally, Clara Capital may share your personal information: (i) as required by law; (ii) in connection with an audit or the sale of Clara Capital to a third party; or (iii) with your consent. We do not sell or otherwise share your personal information.
Your Rights Under the CPRA
Right to Know/Right to Access. Under the CPRA, California residents have the right to request that Clara Capital disclose what information we have collected, used, disclosed, or sold over the past 12 months. Once we receive and confirm your verifiable consumer request for such information, (see “How You Can Exercise Your Rights Under CPRA”), we will disclose to you:
- The categories and specific pieces of personal information we collected about you over the past 12 months;
- The categories of sources from which such personal information has been collected over the past 12 months;
- The business or commercial purpose for collecting, disclosing or selling such personal information over the past 12 months;
- The categories of third parties with whom we shared your personal information over the past 12 months; and
- If we disclosed your personal information for a business purpose, the personal information categories that each category of recipients obtained.
Right to Delete. Under the CPRA, California residents have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request (see “How You Can Exercise Your Rights Under CPRA”), we will delete your personal information from our records, and direct our service providers to do the same, unless an exception applies.
Right to Opt-Out of Sale of Sharing of Personal Information. Under the CPRA, California residents have the right to direct us to not sell your personal information (the “right to opt-out”). Clara Capital does not and will not sell or otherwise share personal information of consumers.
Right to Non-Discrimination. Under the CPRA, California residents have the right not to be discriminated against for having exercised the rights established by the CPRA. We will not discriminate against you for exercising any of your CPRA rights. Unless permitted by the CPRA, we will not:
Deny you goods or services;
Charge you different prices or rates for goods or services, including through granting discounts or other benefits or imposing penalties;
Provide you with a different level or quality of goods or services;
Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
We may, however, offer you certain financial incentives permitted by the CPRA that can result in different prices, rates, or quality levels. Such financial incentives may include gift cards, credits, and other monetary offerings; additional details related to the material terms of these financial incentives will be provided to you at the time the incentive is presented to you. Any CPRA-permitted financial incentive we offer will reasonably relate to your personal information’s value and contain written terms that describe the program’s material aspects. Participation in a financial incentive program requires your prior opt in consent, which you may revoke at any time.
How You Can Exercise Your Rights Under CPRA
In order to exercise the right to know/right to access information and the right to request deletion, you or your authorized agent may submit a verifiable consumer request either by contacting us by phone at 888-395-3563 with a brief description of yourere request or by submitting the request via email to firstname.lastname@example.org. Please note that we may request additional information from you or your agent as needed to authenticate your request. You may only make a verifiable consumer request to know or request for access twice within a 12-month period.
The verifiable consumer request must do the following:
- Provide sufficient information to allow us to reasonably verify that you are the person about whom we collected personal information or that you are an authorized representative.
- Describe your request with sufficient detail so that we can properly understand, evaluate, and respond to it.
If we are able to verify your request, we will make our best effort to respond within forty-five (45) days of our receipt of your request. If we require more time (up to 45 additional days), we will inform you of the reason and extension period in writing.
We will not disclose information to you or delete information if we cannot verify your identity.
How California Residents Can Designate an Authorized Representative
Only you as a California resident, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable request to know/request for access, request for deletion, or request to opt-out. To appoint an authorized representative to submit requests on your behalf, please provide us with written instructions stating the identity of the authorized representative and your authorization to have the representative act on your behalf by emailing us. We may also request additional information from you as needed to authenticate your request. If an authorized representative is acting on your behalf, your representative may contact us by phone at 888-395-3563 with a brief description of your request or may submit your request via email to email@example.com. Please note that we may request additional information from your representative as needed to authenticate your request.