This ("Policy") describes how Progressive Finance Holdings, LLC, Prog Leasing, LLC, Approve.Me LLC, and their affiliates, subsidiaries, and divisions (collectively "Progressive," "we" "our" or "us"), collects, uses and shares your information.
Progressive takes the privacy of its customers and visitors to its websites very seriously. We understand that you may have questions about how we collect, use, and share your information. This Policy describes the type of information we collect, how we use and share that information, how we protect that information, your choices regarding that information, and how you can contact us with any questions.
We collect two main categories of information from or about you: Personal Information and Non-Personally Identifiable Information ("NPI").
We define Personal Information as information that directly identifies an individual, such as name, residential street address or postal address, email address, social security number, date of birth, driver's license number, government issued identification number, phone number, credit card number, bank account or other financial institution account number, and user name and password when you use our website portal to make payments.
We define Non-Personally Identifiable Information or NPI as information about an individual or about categories or groups of individuals that does not identify you individually, such as your IP address, randomly assigned values in "cookies," mobile device identifiers, geo-location, and other technical information. We also collect other information that may not identify you individually, such as your gender, vehicle information, occupation and other employment information, source of income, personal references, and residence-related information such as lease and ownership information, and other information.
We may collect Personal Information from you in a variety of ways. For example, we collect information you provide when you seek to lease or buy products from a Merchant, or otherwise enter into a contractual arrangement with Progressive or its affiliates, whether online or at physical store locations. We may also collect Personal Information from or about you when you visit a website, portal, or application owned or operated by Progressive or when you otherwise contact us. Also, if you are at a Merchant when you apply for a lease from Progressive, a representative of the Merchant may allow you to submit the lease application to us through a kiosk, or portal, on the Merchant's premises.
When you submit a lease application with Progressive, we use third-parties to provide us with additional Personal Information about you. For example, if we know your name and postal address, we may use a third-party to provide us with your email address. In addition to what is described below, we use this information for market analysis, marketing and other business purposes, including enforcement of contractual obligations. We may also collect Personal Information about you from consumer and/or credit reporting agencies, other companies used for identity verification and fraud detection, your personal references, and from our affiliates, among others.
In addition to what is described below, we collect NPI through many sources, including from information that you and third-parties provide to us.
When you visit our websites, we may collect information about your visit and store that information, which are records of the activities on our website. Our servers automatically capture and save the information electronically. Examples of the information that we may collect or that third-parties (including third-parties involved in advertising or anti-fraud operations) may collect while you navigate our website include, but are not limited to:
The information we collect helps us administer the website, analyze its usage, protect the website and its content from inappropriate use, and improve the visitor's experience. The information may also be used for marketing purposes and may uniquely distinguish your browser or computer from others devices.
Cookies also enable advertising. Navigating our website will result in the placement of various advertising-related cookies by third-parties on your computer or device. These cookies allow web servers involved in advertising operations to recognize your browser as you navigate to other websites, and are necessary for the online delivery or placement of certain ads. Some third-parties involved in ad operations may maintain their own proprietary consumer databases that allow them to personally identify or track website visitors.
Cookies generally hold various types of information, including randomly assigned unique identifiers, which allow websites, including websites covered by this Policy, to customize your experiences on the websites and gather information about your navigation of the websites. We may use different kinds of cookies, including HTTP cookies (also known as browser cookies) and Local Shared Objects such as Flash cookies that are built for use with the Adobe® Flash® Player. We may also use similar technologies, such as HTML5 local storage.
You should understand that some features of many websites may not function properly if you block or don't accept cookies.
Other Data Collection Technologies
We may use web beacons, pixel tags, .gif files, and the like, that allow for the collection of information about your interactions on our websites. These technologies may be used, for example, to place advertisements, to understand website traffic patterns and the number of visitors to our website, and to measure the effectiveness of advertisements or our website. Web beacons, and the like, also enable third-parties involved in advertising operations to recognize your browser as you navigate to other websites, and are necessary for the online delivery or placement of certain types of ads.
Social Networks and Widgets
Our website also includes social network or other third-party plug-ins and widgets that may provide information to their associated social networks or third-parties about Progressive websites you visit, even if you do not click on or otherwise interact with the plug-in or widget and regardless of whether you have an account or other relationship with these social networks and third-parties. Information is transmitted from your browser and may include an identifier assigned by the social network or third-party, information about your browser type, operating system, device type, IP address and the URL of the web page where the plug-in or widget appears. If you use social network tools or visit social networking websites, you should read their privacy policies to learn what information they collect, use, and share.
Links to Other Websites
Progressive websites may contain content, services, advertising and other materials that link to websites operated by third-parties. We have no control over those other websites, and this Policy does not apply to them. We encourage you to refer to the privacy policies of those websites.
We maintain administrative, technical and physical safeguards intended to protect against the loss, misuse, unauthorized access, or disclosure of Personal Information and NPI. Although we take such precautions seriously, it is impossible for us or others to guarantee the safety and security of Personal Information and NPI.
This Policy may be updated periodically to reflect relevant changes in our information practices. We will post a notice on our website to inform you of significant changes to this Policy. We will also provide additional information regarding changes to this Policy as may be required by law.
You may request that we correct, update or amend the Personal Information we hold about you. To update us regarding changes in your Personal Information, please contact us as described below.
You may elect to opt-out of receipt of email and text communications from us by following the instructions provided in such communications or by contacting us as provided below. Even after opting out, you may still receive service oriented, non-promotional communications from us and promotional communications from other third-parties as a result of their own interactions or transactions with you. Please allow time for us to process your request or contact us should you have any concerns about your opt-out request.
"Do-Not-Track." Do-Not-Track is a public-private initiative, http://www.w3.org/2011/tracking-protection/, that has developed a technical "flag" or signal that an end-user may be able to activate within their browser software to notify websites that they do not wish to be "tracked" by third-parties as defined by the initiative. The initiative, however, has not reached a consensus as to exactly what technical or other actions those parties receiving the signal should take. As a result, Do-Not-Track has not yet been standardized and most websites, including Progressive's, do not alter their behavior or change their services when they receive a "do-not-track" flag or signal. You can, however, make decisions about your privacy and the ads you receive. As explained in the section above, "Sharing With Corporate Entities, Franchisees and Third-Parties," Progressive uses online behavioral advertising. You can control whether companies serve you behaviorally-based advertising by visiting the DAA web page and using the DAA's opt-out: http://www.aboutads.info/choices/. The DAA opt-out requires that cookies not be blocked in your browser.
As an alternative to the DAA opt-out, you can also elect to block advertising cookies from first-parties (such as Progressive) and from third-parties involved in advertising by using the cookie blocking options built into your browser software. For example, in Internet Explorer 9, you can block both first and third-party advertising cookies by changing the settings in Tools/Internet Options/Privacy/Settings-Advanced/Override Automatic Cookie Handling. As another example, if you are using Firefox 25, you can "uncheck" Accept All Cookies under Firefox Preferences/Privacy-Use Custom Settings For History/Accept Cookies from Sites.
Please note, however, that if you do decide to block certain cookies, some parts of our website may not function correctly.
If you wish to contact us regarding your information or this Policy, you may:
If you are a California resident, you may ask us to refrain from sharing Personal Information with third parties for their own direct marketing purposes. Please indicate your preference by contacting us as described above. Please also note it may take us thirty (30) days to fully process your request.
This website is not directed to children under the age of 13, and we do not knowingly collect Personal Information from children under the age of 13 on this website.
“This company is great. My credit isn't the best and I was not able to get financed. Because they offer a no credit needed program, I was able to get my beautiful furniture.”
– Brittany, Conyers, GA