Privacy Notice

THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY.

We at CredCompare USA Inc. ("CredCompare" "us", "we", or "our") recognize and respect the importance of maintaining the privacy of our customers and users. This Privacy Notice describes the types of personal and protected health information we collect from patients of the medical clinics ("Clinics") using our web-based platform ("Platform") and/or services available thereon ("Services"). This Privacy Notice also explains how we may use and share such information on your behalf and/or on behalf of the Clinic. If not otherwise defined herein, capitalized terms have the meaning given to them in the Terms of Service, available at https://www.credcompare.com/terms-of-service.

"Personal Information" means any information that can be directly associated with a specific person such as a name, telephone number, e-mail address or as otherwise may be defined by applicable law.

"Protected health information" means individually identifiable information about your health, such as any information about (i) your health condition, (ii) healthcare services you have received or may receive in the future, or (iii) the payment for the provision of such healthcare when combined with additional information which may identify you (such as your name, phone number or Social Security Number).

Information We Collect

You may instruct a Clinic to search for loans through the Platform on your behalf for the payment of your or a Third-Party Patient's treatment at such Clinic. In order to enable a Clinic to find a loan on your behalf through the Platform, you must provide certain personal and protected health information, such as your name, date of birth, phone number, email address, social security number and annual income. To find a loan, you must provide the cost of the applicable treatment and desired terms for the requested loan. You may also elect to provide additional information, such as information regarding your home, such as your rent or whether you own your home, as well as certain details of any persons listed as a co-signer of the requested loan. If you are submitting an Application in respect of a Third-Party Patient, you may need to provide us with certain protected health information relating to such individual, such as his or her name and information regarding the treatment received by such Third-Party Patient. The foregoing information is submitted to us by the personnel of the Clinic utilizing our Platform on your behalf.

In addition, Lenders and Clinics may provide us with your personal and protected health information.

Subject to applicable law and our agreement with the applicable Clinic, we also collect and create certain de-identified information about you and your use of the Platform and/or Services, including, relating to your, or Third-Party Patient's, treatment from the applicable Clinic, income, housing status, payment dates, loans offered and received through the Services, and your preferences and selections on the Platform and/or Services ("De-Identified Information"). De-Identified Information does not individually identify you.

It is your voluntary decision whether to provide us and/or the Clinic with any such information, but if you refuse to provide such information, the Clinic may not be able to use the Platform and/or Services to find you a loan.

How We Use Your Information

We and any of our trusted third-party subcontractors and service providers use the information we collect from and about you solely to provide you with the Services. To do so, we transmit the personal and protected health information you provide to us to Lenders offering loans through the Platform and/or Services. Lenders may also use such information to obtain credit reports about you from consumer reporting agencies, at their sole discretion.

We may use De-Identified Information about you (i) to review the usage and operations of our Platform and Services, (ii) to develop new products or services and conduct analyses to improve our current products, and services, (iii) to prevent fraud, protect the security of our Platform and Services, and address any problems with the Platform and/or Services, and (iv) for such other purposes permitted by applicable law and in accordance with our agreement with the applicable Clinic.

Other uses by CredCompare of your protected health information not described above in this Privacy Notice or permitted by law will be made only with your written authorization or as directed by the Clinic.

Sharing the Information We Collect

We share your information, including personal and protected health information, as follows:

Lenders We disclose information, including personal and protected health information we collect from and/or about you, to Lenders for the purpose of finding you a loan on behalf of the Clinic. Use of your personal and protected health information shall be in accordance with such Lender's terms and privacy policy.

Service Providers, Affiliates, and Subcontractors We disclose information, including personal and protected health information we collect from and/or about you, to our trusted service providers, affiliates, and subcontractors, who use such information to help us provide the Platform and/or Services.

Law Enforcement Related Disclosure We will fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose your personal and protected health information as required or authorized by applicable law. We may also share your personal and protected health information with third parties (i) when required by law, regulation, subpoena, court order, discovery request, warrant, summons or other lawful instructions from a court or other administrative or public body, (ii) as is necessary to comply with any legal and/or regulatory obligation, subject to applicable law.

Other disclosures by CredCompare of your personal and protected health information not described above in this Privacy Notice or permitted by law will be made only with your written authorization or as directed by the Clinic.

Your Rights

You have certain rights under applicable law in relation to your protected health information we transmit on behalf of the Clinic, such as (i) the right to obtain a copy of your protected health information, (ii) the right to amend your protected health information, (iii) the right to request to limit the use or disclosure of your protected health information, (iv) the right to request an accounting of disclosures of your protected health information; and (v) the right to file a complaint if you feel your privacy rights have been violated. For further details regarding such rights, including how to exercise such rights, please contact the Clinic. We will amend or make available your protected health information to the Clinic (if and to the extent we still hold or process any of your protected health information), or take such other action as directed by the Clinic in accordance with applicable law, in order to enable the Clinic to comply with your exercise of any such rights.

Security

We make efforts to follow generally accepted industry standards to protect the personal and protected health information submitted to and transmitted by us. However, no method of transmission over the Internet or method of electronic storage is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your personal and protected health information, we cannot guarantee its absolute security.

Data Retention

We do not retain your personal and/or protected health information and solely transmit such information to Lenders for the purpose of finding you a loan.

Changes to the Privacy Notice

Before providing any personal and/or protected health information to the Clinic, you shall be asked to accept (through the Clinic accepting on your behalf) the terms of this Privacy Notice. If you do not agree with the terms hereof, please do not provide the Clinic with any such information or direct the Clinic to use the Platform and/or Services on your behalf to find you a loan. We may update this Privacy Notice from time to time, in which case, we shall notify you of such changes if we still hold or process any of your personal and/or protected health information. The updated Privacy Notice will be available upon request in the Clinic's offices.

Comments and Questions

If you have any comments or questions about this notice, or if you wish to exercise any of your legal rights as set out herein, please contact us at contact@credcompare.com.

Last updated: January 2020.