Your Privacy Rights
Rev. January 28, 2025
Introduction
Welcome to Livble!
We work hard to protect your personal information and ensure your information is kept private and secure.
The following privacy policy outlines the types of personal information that Lvble, Inc (“Livble”) collects
through our websites and services. It also explains why we collect your information and how we use it.
Privacy is important to Livble. If you have any questions or if you believe that Livble has not adhered to this
privacy policy, please send us a note at support@nowlvble.com. We reserve the right to amend this privacy
policy at our discretion and at any time.
Table of Contents
U.S. Consumer Privacy Notice
1. What does Livble do with your personal information?
2. How does Livble use and share your personal information?
3. Who we are
4. What we do
5. Definitions
6. Other important information
U.S. State Mandated Privacy Notice at Collection
1. Your Privacy Choices and Rights
2. Exercising Your Privacy Choices and Rights
3. Non-Discrimination
4. California Specific Notices
5. Changes to Our U.S. State Mandated Privacy Notice at Collection
6. Contact Information
U.S. Consumer Privacy Notice
FACTS
What does Livble do with your personal
information?
Why?
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.
What?
The types of personal information we collect and share depends on the product or
service you have with us. This information can include:
● Social Security number and account transactions
● Date of birth, postal and email address, and phone number
● Information about your apartment lease, such as transaction history, identifying
information (name, address, phone number, email address, property
management company name), and lease contract information
● Checking account information and credit history
● Payment history and account balances
● Voice recordings (such as when you call Lvble’s member services)
● Information you provide through member services interactions and that you
provide about your experience with Lvble, including via questionnaires,
surveys, participation in user research, or other feedback
When you are no longer our customer, we continue to retain and share your information
as described in this notice.
How?
All financial companies need to share customers' personal information to run their
everyday business. In the section below, we list the reasons financial companies can
share their customers' personal information; the reasons Livble chooses to share; and
whether you can limit this sharing.
How does Livble use and share your personal
information?
Reasons we can share your
personal information
Does Livble 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
Yes
No
financial companies
For our affiliates' everyday
business purposes–
information about your transactions
and experiences
No
We don’t share
For our affiliates' everyday
business purposes–
information about your
creditworthiness
No
We don’t share
For affiliates to market to you
No
We don’t share
For nonaffiliates to market to you
No
We don’t share
For Questions
● Call (646) 566-8628—our menu will prompt you through your
choices
● Go to www.livble.com
● Email support@nowlvble.com
Who we are
Livble.
What we do
How does Livble 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 and secured files and buildings.
We authorize our employees to get your information only when they
need it to do their work, and we require companies that work for us to
protect your information.
How does Livble collect my
personal information?
We collect your personal information, for example, when you
● Apply for a loan or open an account
● Provide your government-issued ID or link your bank account
● Use the app
We also collect your personal information from others, such as credit
bureaus, affiliates, or other companies. See below for more
information on your rights under state law.
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
You should be aware that Livble does not collect or share information
for these purposes.
State laws and individual companies may give you additional rights to
limit sharing. See below for more information on your rights under
state law.
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.
● Livble does not share with non-affiliates so they can market to
you, but does share for other purposes including rent
verification.
Joint marketing
A formal agreement between non-affiliated financial companies that
together market financial products or services to you.
● Livble has agreements with rental portals to make our widget
available to tenants.
Other important information
Livble is a nonbank financial company and is regulated by the Consumer Financial Protection Bureau as well as
state regulators. We are licensed lenders in several states. If you have a complaint, please contact us so that we
can help you resolve it; if we are unable to, you may contact one of our regulators.
Several U.S. states, including California, have enacted or will soon enact consumer privacy laws that grant their
residents certain rights and require additional disclosures. If you are a resident of California or one of these
states, you may have rights granted under the applicable state law. Learn more about your privacy rights.
VT: Accounts with a Vermont mailing address are automatically treated as if they have limited the sharing as
described above.
NV: We are providing you this notice pursuant to Nevada law. You may also contact the Nevada Attorney
General's office: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington
St., Suite 3900, Las Vegas, NV 89101; telephone number: 1–702–486–3132; email BCPINFO@ag.state.nv.us.
CA: Accounts with a California mailing address are automatically treated as if they have limited the sharing
with nonaffiliates as described above. If you are a California resident and would like to exercise additional
choices over your data, please click here.
U.S. State Mandated Privacy Notice at Collection
Several U.S. states, including California, have enacted or will soon enact consumer privacy laws that grant their
residents certain rights and require additional disclosures (collectively, “State Privacy Laws”). If you are a resident
of one of these states, this section applies to you and supplements the information contained in Livble’s Privacy
Policy.
As explained in our Privacy Policy, both federal and state laws require us to tell you how we collect, use, share,
and protect your personal information. As a result, our data collection practices are generally governed by federal
law, including the Gramm-Leach-Bliley Act (“GLBA”). However, certain information collected may be out of
scope of federal laws and instead covered by State Privacy Laws. Under the California Consumer Privacy Act of
2018 (“CCPA”), as amended by the California Privacy Rights Act (“CPRA”) of 2020 and other California laws
(collectively, the “CCPA”), this may also include information about employees and employee applicants as well
as enterprise data (such as business-to-business).
This notice is intended to provide information required under State Privacy Laws, including the CCPA. This
notice applies to the data collection and processing practices of Livble (collectively, “Livble” or “we”).
We may sell certain classes of consumer personal information in the traditional and colloquial sense of the word
sale. We do not use advertising technology on our website, which under some State Privacy Laws may be
considered a “sale” or “share” of your information. In the preceding twelve (12) months, we have “sold” or
“shared” consumers’ personal information, as defined under State Privacy Laws. We do not engage in targeted
advertising.
We do not offer financial incentives, preferential service agreements, or any other differences in our prices or
services in exchange for your data.
Your Privacy Choices and Rights
Under the State Privacy Laws, you may have the following rights, including the right to (1) request to know more
about the categories and specific pieces of personal information we collect, use, and disclose and access your
personal information, including receive the information in a portable format, (2) request deletion of your personal
information, (3) request correction of inaccurate personal information, (4) request to limit the use and disclosure of
sensitive personal information, and (5) not be discriminated against for exercising these rights (“Data Subject
Requests”).
This section describes consumers’ rights under the State Privacy Laws and explains how you can exercise those
rights with Livble.
Right to Delete
Under certain State Privacy Laws, you 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 verify your Data
Subject Requests, we will delete your personal information from our records (and direct our service providers to
delete your personal information from their records), unless an exception applies.
Certain personal information that we collect and use to provide you with financial services, and which Livble is
obligated by federal law and/or regulations to retain, cannot be deleted upon request.
We also may deny your Data Subject Requests to delete if retaining the information is necessary for us or our
service providers to:
● Detect security incidents;
● Protect against malicious, deceptive, fraudulent, or illegal activity;
● Assist law enforcement in prosecuting those responsible for such activities; or
● Comply with a legal obligation.
Right to Correction
Under certain State Privacy Laws, you have the right to request that we correct any inaccuracies about your
personal information.
Right to Know/Right to Access and Data Portability Rights
Under certain State Privacy Laws, you have the right to request that we disclose certain information to you about
our collection and use of your personal information over the past 12 months. Once we confirm your Data Subject
Request, we will disclose to you, upon specific request:
● The categories of personal information we collected about you.
● The categories of sources for the personal information we collected about you.
● Our business or commercial purpose for collecting, disclosing, or sharing that personal information.
● The categories of third parties with whom we disclose that personal information.
● The categories of personal information we disclosed or sold to each category of third party.
● The specific pieces of personal information we collected about you.
Right to Limit Use and Disclosure of Sensitive Personal Information
You have the right to request that we limit the use and disclosure of sensitive personal information to the services
we provide to you. Livble’s current practice is to use the sensitive personal information it collects only for the
purpose of providing you with the financial services we offer.
Exercising Your Privacy Choices and Rights
If you are a resident of a state that provides the above rights under State Privacy Laws, you may exercise the rights
above by:
● By email: support@nowlvble.com
● By phone: (646) 566-8628
Each Data Subject Request must:
● Provide sufficient information that allows us to reasonably verify you are the person about whom we
collected personal information or an authorized representative. We will make every effort to verify your
identity using your email address, but we may request additional information. If an authorized
representative is making the request on your behalf, we require documentation showing that the
representative has such authority.
● Describe your Data Subject Request with sufficient detail that allows us to properly evaluate and respond
to it.
We cannot respond to your Data Subject Request or provide you with personal information if we are unable to
verify your identity, or unable to verify the authority for the person making the request as your agent. We will use
personal information provided in a verifiable consumer Data Subject Request to verify your identity or authority to
make the Data Subject Request, and not for any other purpose.
You may only make a verifiable Data Subject Request for access or data portability twice within a 12-month
period.
Response Timing and Format
We will acknowledge your Data Subject Request within 10 days. We attempt to respond to every Data Subject
Request within 45 days. If we require more time, we will inform you of the reason and how much additional time
we require (up to 90 days in total). Any disclosures we provide may only cover the 12-month period preceding the
Data Subject Request’s receipt. If we are unable to satisfy your Data Subject Request, or a part of your Data
Subject Request, we will explain why.
We do not charge a fee to process or respond to Data Subject Requests.
Authorized Agent
Only you, or a person you have designated in writing as your authorized agent, or who is registered with the
applicable Secretary of State to act on your behalf, or to whom you have provided power of attorney pursuant to
applicable laws, (“Authorized Agent”), may make a verifiable consumer request to access, port, correct, or delete
your personal information. You may also make a verifiable consumer request on behalf of your minor child.
If you wish to have an Authorized Agent make a request on your behalf, they will need to provide us with
sufficient written proof that you have designated them as your Authorized Agent, and we will still require you to
provide sufficient information to allow us to reasonably verify that you are the person about whom we collected
personal information.
Non-Discrimination
We will not discriminate against you for exercising any of your privacy rights. Unless permitted by the State
Privacy Laws, we will not:
● Deny you services.
● Charge you different prices for our services, including through granting discounts or other benefits, or
imposing penalties.
● Provide you a different level or quality of service.
California Specific Notices
If you are a California resident, California Civil Code Section 1798.83 permits you to request a list of all third
parties to which we, during the immediately preceding calendar year, have disclosed certain personally identifiable
information for direct marketing purposes. In the preceding calendar year, we have not disclosed personally
identifiable information for direct marketing purposes.
We are only required to respond to a customer request for this list once during any calendar year. To make such a
request, please see above under the section “Exercising Your Privacy Choices and Rights.” Please be aware that
not all information sharing is covered by the California privacy rights requirements and only information sharing
that is covered will be included in our response.
During the last twelve (12) months, we have collected personal information in the following categories from
consumers and disclosed personal information with the following categories of recipients. Although the list
contains examples of information collected, we do not collect every specific piece of personal information for
every consumer:
Category of Personal
Information
Examples of Personal
Information Collected
Categories of Recipients
Identifiers
Name, address, email address,
phone number, account
identifiers, online identifiers, IP
address, Social Security number,
or other similar identifiers.
Our affiliates, service providers,
third parties to whom you or your
agents authorize us to disclose your
personal information in connection
with products or services we
provide to you.
California customer
records or similar
information in states
with applicable privacy
laws
Name, signature, Social Security
number, address, telephone
number, employment,
employment history, bank
account number, and other
financial information.
This category may overlap with
other categories.
Our affiliates, service providers,
third parties to whom you or your
agents authorize us to disclose your
personal information in connection
with products or services we
provide to you.
Characteristics of
protected classifications
under state or federal
law
Age, marital status, or gender.
Our affiliates, service providers,
third parties to whom you or your
agents authorize us to disclose your
personal information in connection
with products or services we
provide to you.
Commercial information
Purchasing or consuming
histories or tendencies.
Our affiliates, service providers,
third parties to whom you or your
agents authorize us to disclose your
personal information in connection
with products or services we
provide to you.
Internet or other similar
network activity
Information on a consumer’s
interaction with our website,
applications, or advertisements.
Our affiliates, service providers,
third parties to whom you or your
agents authorize us to disclose your
personal information in connection
with products or services we
provide to you.
Professional or
employment-related
information
Current occupation.
Our affiliates, service providers,
third parties to whom you or your
agents authorize us to disclose your
personal information in connection
with products or services we
provide to you.
Inferences
Inferences drawn from any of the
information listed above to create
a profile about you, such as a
profile that reflects your
preferences, characteristics,
behavior, and attitudes.
Our affiliates, service providers,
third parties to whom you or your
agents authorize us to disclose your
personal information in connection
with products or services we
provide to you.
Sensitive Personal
Information
Government-issued identifiers
(such as Social Security number),
financial account numbers in
combination with login
credentials.
Our affiliates, service providers,
third parties to whom you or your
agents authorize us to disclose your
personal information in connection
with products or services we
provide to you.
We collect personal information for the business and commercial purposes and uses described in the Privacy
Policy section titled “What does Livble do with your personal information?”
In addition to the sources described above, we collect personal information from the following categories of
sources:
● Directly from our clients or their agents,
● Indirectly from our clients or their agents, in the course of the services that we provide,
● Directly and indirectly from activity on our website, and
● Other third-party sources, including government sources.
● From third parties that interact with us in connection with the services we perform.
The retention periods for data elements within each category listed above vary depending on the nature of the data
element and the purposes for which it is collected and used. Our retention period for the data elements within each
category is set based on the following criteria: (1) the length of time that the data is needed for the purposes for
which it was created or collected, (2) the length of time the data is needed for other operational or record retention
purposes, (3) the length of time the data is needed in connection with our legal, compliance and regulatory
requirements, for legal defense purposes and to comply with legal holds, (4) how the data is stored, (5) whether
the data is needed for security purposes and fraud prevention, and (6) whether the data is needed to ensure the
continuity of our products and services.
Changes to Our U.S. State Mandated Privacy Notice at Collection
We reserve the right to amend this privacy notice at our discretion and at any time. When we make material
changes to this privacy notice, we will notify you by email, by notice on this site, or by other acceptable means.
Contact Information
If you have any questions or comments about this notice, our Privacy Statement, the ways in which we collect and
use your personal information, your choices and rights regarding such use, or wish to exercise your rights under
State Privacy Laws, please do not hesitate to contact us.
By email: support@nowlvble.com
By phone: (646) 566-8628