Privacy Policy

Last modified: March 30, 2021

Introduction

Ava Finance, Inc. (“Company”, “we” “us” and “our”) respects your privacy and is committed to protecting it through our compliance with this policy.

This policy describes the types of information we may collect from you or that you may provide when you visit the website www.fightcollections.com or www.meetava.com (our "Website") or download our web or mobile app(s) (“App(s)”), and our practices for collecting, using, maintaining, protecting, and disclosing that information.

This policy applies to information we collect:

It does not apply to information collected by:

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website and/or our App(s). By accessing or using this Website and/or our App(s), you agree to this privacy policy. This policy may change from time to time. Your continued use of this Website and/or our App(s) after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

Information We Collect About You and How We Collect It

We collect several types of information from and about users of our Website and/or App(s), including information:

We collect this information:

Information You Provide to Us 

The information we collect on or through our Website or our App(s) may include:

Other Information

Information We Collect Through Automatic Data Collection Technologies 

As you navigate through and interact with our Website or our App(s), we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

The information we collect automatically may include personal information or we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our Website and our App(s) and to deliver a better and more personalized service, including by enabling us to:

The technologies we use for this automatic data collection may include:

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information:

Direct Marketing and Online Advertising

We may use your information to contact you in the future to tell you about products or services we believe may be of interest to you. If we do, each marketing communication we send you will contain instructions permitting you to “opt-out” of receiving future marketing communications. In addition, if at any time you wish not to receive any future marketing communications or you wish to have your name deleted from our mailing lists, please contact us as indicated below.

We may partner with third party service providers to display advertising on our Website or App or to manage our advertising on other sites. These partners may use data technologies such as cookies and pixels to collect information about your activities on this and other websites to provide you targeted advertising based upon your interests. We may also use web beacons to tell when a user is redirected to the Website or App because of an advertisement that we ran was clicked on or otherwise interacted with and to better target our advertisements (known as “retargeting”). Service providers we use may track Website or App visitors over time and across multiple websites and social media services to retarget Website or App visitors. Users logged in to social media programs may be tracked by service providers who track such users across multiple websites and who may disregard the privacy settings in your web browsers.

If you wish to not have this information used for the purpose of serving you targeted

ads, you may be able to opt-out by emailing legal@meetava.com.

Please note that opting-out will not mean that you will no longer be served advertising. Instead, you will continue to receive generic ads that are not based on your specific interests.

Disclosure of Your Information

We may disclose aggregated information about our users without restriction.

We may disclose personal information that we collect or you provide as described in this privacy policy:

We may also disclose your personal information:

Electronic Fund Transfers (“EFTs”) and Account Balances

Ava Finance has partnered with financial services software company Sila Inc. to offer you EFTs. When you create an Ava Finance Account, you might also be prompted to sign up for a Sila Account. You authorize Ava Finance to share your identity and banking information with Sila Inc. to open and support your Ava Finance Account. It is your responsibility to make sure the data you provide us is accurate and complete. You must comply with Sila Inc.’s privacy policy (the “Sila Privacy Policy”) when creating or using your Ava Finance Account. The Sila Privacy Policy may be modified from time to time, and the governing version is incorporated by reference into this Privacy Policy. Any term not defined in this paragraph but defined in the Sila Privacy Policy assumes the meaning as defined in the Sila Privacy Policy.

California Privacy Rights. If you are a resident of the State of California, under the California Consumer Privacy Act (CCPA), you have the right to request information on how to exercise your disclosure choice options from companies conducting business in California.  Specifically:

To submit a request to exercise any of the rights described above, you may contact Ava Finance either via email to legal@meetava.com or contact us via postal mail, proper postage prepaid, at:

Ava Finance, Inc., Attn: Your California Privacy Rights

21681 Criptana, Mission Viejo, CA 92692.

Please indicate your preference as to how you would like us to respond to your request (i.e., email or postal mail).

All requests sent via postal mail must be labeled “Your California Privacy Rights” on the envelope or postcard and clearly stated on the actual request. For all requests, please include your name, street address (if you would like a response via postal mail), city, state, and zip code. We may need to verify your identity before responding to your request, such as verifying that the email address or contact information from which you send the request matches your email address or contact information that we have on file. Authentication based on a government-issued and valid identification document may be required. We will not accept requests via telephone or fax. We are not responsible for notices that are not labeled or sent properly, or do not have complete information.

Changes to Our Privacy Policy

It is our policy to post any changes we make to our privacy policy on this page. If we make material changes to how we treat our users' personal information, we will notify you by email to the primary email address specified in your account and/or through a notice on the Website home page. The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Website and this privacy policy to check for any changes.

Contact Information

To ask questions or comment about this privacy policy and our privacy practices, contact us at:

legal@meetava.com 

What does Ava do with your personal information?

Financial companies choose how they share your personal information. Federal law gives

consumers the right to limit some but not all sharing. Federal law also requires us to tell you

how we collect, share, and protect your personal information. Please read this notice carefully to

understand what we do.

The types of personal information we collect and share depend on the product or service you

have with us. This information can include:

All financial companies need to share consumers' personal information to run their everyday

business. In the section below, we list the reasons financial companies can share their

consumers' personal information; the reasons Ava chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Ava share?

Can you limit this sharing?

For our everyday business purposes—

such as to process your transactions, maintain

your account(s), respond to court orders and legal

investigations, or report to credit bureaus

Yes

No

For our marketing purposes—

to offer our products and services to you

Yes

No

For joint marketing with other financial companies

Yes

Yes

For our affiliates’ everyday business purposes—

information about your transactions and experiences

Yes

Yes

For our affiliates’ everyday business purposes—

information about your creditworthiness

Yes

Yes

For our affiliates to market to you

Yes

Yes

For nonaffiliates to market to you

Yes

Yes

To limit our sharing, email us at legal@meetava.com

Please note: If you are a new customer, we can begin sharing your information 45 days from the date we

sent this notice. When you are no longer our customer, we continue to share your information as

described in this notice. However, you can contact us at any time to limit our sharing.

Who is providing this notice?

Ava Finance, Inc.

How does Ava protect my personal information?

To protect your personal information from unauthorized access

and use, we use security measures that comply with federal law.

These measures include computer safeguards.

How does Ava collect my personal information?

We collect your personal information, for example, when you:

  • Create an online account
  • Obtain a loan
  • Apply for a loan
  • Make payments
  • Link your Ava account to your other financial accounts
  • We also collect your personal information from others, such as credit bureaus, affiliates or other companies

Why can’t I limit all sharing?

Federal law gives you the right to limit only:

  • Sharing for affiliates’ everyday business purposes – information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services.

Other Important Information

For Vermont Residents. We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.

North Dakota customers: We will not share your information except as permitted by ND Century Code Chapter 6-08.1

California residents:

You have the right to control whether we share some of your personal information. Please read the following information carefully before you make your choices below.

You have the right to stop us from sharing some of your personal and financial information with our affiliates (companies we own or control) and outside companies that we do business with.

We can still share some information if sharing it is necessary for us to follow the law or to give you the best service on your accounts with us. This includes sending you information about other products or services.

Restrict Information Sharing With Companies We Own or Control (Affiliates): Unless you say “No,” we may share personal and financial information about you with our affiliates.

 NO, please do not share my personal and financial information with your affiliates.

Restrict Information Sharing With Other Companies We Do Business With To Provide Financial Products And Services: Unless you say “No,” we may share personal and financial information about you with outside companies we contract with to provide financial products and services to you.

 NO, please do not share my personal and financial information with outside companies you contract with to provide financial products and services.

You may make your privacy choices at any time. If we do not hear from you, we may share some of your information with our affiliates and other companies with whom we have contracts to provide products and services. To make your choices, contact us at legal@meetava.com.