Your privacy is critically important to us.
Challenger works with employers and other third parties to deliver Services to consumers. Challenger does not share personal financial data with employers unless you explicitly opt-in to do so to access additional features. Challenger does share anonymous or aggregated data with employers to communicate high-level insights and users cannot limit this type of sharing.
Like most website operators, Challenger collects non-personally identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Challenger's purpose in collecting non-personally identifying information is to better understand how Challenger Finance Inc.'s visitors use its website. From time to time, Challenger may release non-personally identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.
Personal Information We Collect
Certain visitors to our Services choose to interact with Challenger in ways that require Challenger to gather personally identifiable information (PII). The amount and type of information that Challenger gathers depends on the nature of the interaction. For example, we may use the information you provide when you complete an online application for a product or service in order to process and evaluate your application. If you request product information, we may use the information you provide to mail you information you request.
This information may include, but is not limited to:
We use personal information collected online for various functions, which may include:
We may also use the information you provide to contact you regarding your account. In addition, we may collect and use information for analytic purposes, market research or for marketing purposes, as allowed by law. When you are no longer our customer, we may continue to share your information as described in this notice. For more information on the Personal Information we collect and how we use it, please refer to “Categories of Sources of Personal Data”, “How Personal Information is Protected and Shared”, and the “Consumer Privacy Notice” below.
Some of the data listed above, such as name, date of birth, taxpayer identification or social security number, and other personal/financial information, may be regulated by federal and state laws and regulations, such as the Gramm-Leach-Bliley Act (the “GLBA Act”). To the extent such data is subject to the GLBA Act, please refer to our consumer privacy notice below.
Challenger may collect information from your device about your location while you are accessing or using our Services and while you are not accessing or using Services. We may use this information to enhance your security while using our Services or to provide targeted offers to you. You may opt out of the collection of location data at any time by changing your settings on your mobile device. However, if you do so, certain features of the Services may not be available to you or the performance of certain features of the Services may be limited or not work at all.
Challenger’s mobile Application supports FaceID and TouchID. If you enabled such settings on your mobile device, you may be asked to scan your face or provide your fingerprints to verify your identity. Challenger and its service providers may collect such information (including the biometric data contained therein) in order to verify your identity and provide our Services.
We seek to protect your Personal Information from unauthorized access, use, and disclosure using appropriate physical, technical, organizational, and administrative security measures. You can help protect your data by selecting, using, and protecting a unique password and/or other sign on mechanism and limiting access to your devices. The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is completely secure.
We will retain your account and Personal Information for as long as your account is active or as needed to provide you our Services. We will retain and use your information as necessary to comply with our legal obligations and regulation, to resolve disputes, and to enforce our agreements.
Links To External Sites
We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites, products or services.
Challenger may collect statistics about the behavior of visitors to its website and users of our Services. Challenger may display this information publicly or provide it to others.
To enrich and perfect your online experience, Challenger Finance Inc. uses "cookies" and similar technologies and services provided by others to display personalized content, appropriate advertising and store your preferences on your computer.
If Challenger, or substantially all of its assets, were acquired, or in the unlikely event that Challenger Finance Inc. goes out of business or enters bankruptcy, user information would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquirer of Challenger Finance Inc. may continue to use your personal information as set forth in this policy. We will make reasonable efforts to notify you if your information becomes subject to different privacy policies.
If we make any changes to how we use Personal Information, we will notify you prior to the change becoming effective.
If you are a registered user of Challenger’s Services and have supplied your Personal Information, Challenger may occasionally send you an email, SMS, or push notification to tell you about new features, solicit your feedback, or just keep you up to date with what's going on with Challenger and our products. We primarily use our blog to communicate this type of information, so we expect to keep this type of email to a minimum. If you send us a request (for example via a support email or via one of our feedback mechanisms), we reserve the right to publish it in order to help us clarify or respond to your request or to help us support other users. Challenger takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.
Challenger’s Services are intended for US-based businesses and consumers. If you are located outside of the United States, your information may be recorded and processed in the United States. We currently do not offer products or services to non-U.S. users.
Categories of Sources of Personal Data
We collect personal information from the following sources:
How Personal Information is Protected and Shared
Challenger discloses Personal Information only to those of its employees, contractors, service providers, and affiliated organizations that (i) need to know that information in order to process it on Challenger's behalf or to provide Services, and (ii) that have agreed not to disclose it to others. Some of those employees, contractors, service providers, and affiliated organizations may be located outside of your home country; by using Challenger’s Services, you consent to the transfer of such information to them.
We do disclose your Personal Information to the categories of service providers, partners, and other parties listed in this section. Depending on state law that may be applicable to you, some of these disclosures may constitute a “sale” of your nonpublic personal data.
Our Commercial or Business Purposes for Collecting Personal Data
Challenger’s Contact Information
Challenger Finance Inc.
Consumer Privacy Notice