Our expanded service offering will be available Summer 2024

Privacy Notice

Help U Buy understands privacy as your right. We protect personal data we collect, use, share, or otherwise handle. We are transparent about why we collect information, the information we collect, how we use that information, and the choices consumers have regarding our use of it. This Notice applies to all consumers using our website.

Why we collect personal information
Help U Buy collects Personal Information for business purposes to assist clients, prospective clients and other website visitors in order to provide information, service estimates and deliver requested services and information.

How we collect personal information
Help U Buy collects your Personal Information indirectly, such as actions observed on our websites, and we collect personal information that you share voluntarily.

Cookies, Web Beacons, and Other Technology
When you visit our websites, access our mobile apps or open one of our emails, we may automatically collect information about you using tracking technology, including:
– Internet Protocol address
– Unique device or user ID
– System and browser type
– Referring website address
– Content and pages you access on our websites or mobile apps
– Dates, times and locations when actions take place
– We use this technology for system administration and troubleshooting, and to identify consumers so we can enhance their online experience.
– We may collect personal information from the following third-party categories:
– Background screening companies
– Financial institutions
– Publicly available government databases

How we use information we collect
We use the categories of personal information described in ‘Collection of Personal Information’ and ‘Disclosure of Personal Information’ to support the following use cases:
– Provide a product or service
– Legal and investigation
– Response to consumer inquiry
– Financial management
– Regulatory and compliance requirements
– B2B service
– Business analytics and reporting
– Shipping purpose
– Fraud identification and prevention

How we share your information
We share the information we collect within Help U Buy, and with our affiliates, and service providers who have agreed to the appropriate security and confidentiality requirements.

Third-party service providers may only use the information they receive from us for the purposes they were hired. We do not allow service providers to retain, use, or otherwise handle the data for their own purposes. Service providers are required to maintain protections over Personal Information consistent with the way OPTIOfinancing protects personal information.

How we protect your personal information
We use technical, administrative, and physical procedures to prevent loss, misuse, or alteration of personal information. Only those within OPTIOfinancing who need the information to perform a specific job are granted access to Consumer data. Individuals who violate Consumer privacy safeguards are subject to disciplinary action, including termination.

How we collect consent
Help U Buy may ask for your permission for certain uses of your personal information, and you can agree to or decline those uses. If you wish to prevent cookies from tracking you as you engage on our websites, you may be able to do so by changing your web browser settings on your Internet-enabled device. Note, that some portions of our website may not work properly if you elect to refuse cookies.

How we provide you access
If you have submitted your personal information to Help U Buy, you may have the right to request that Help U Buy provide you with reasonable access to your personal information, rectify any inaccuracies in your personal information, or delete your personal information. We will make efforts to comply with your request, so long as our doing so is consistent with applicable law, Help U Buy contractual requirements, and/or other standards applicable to Help U Buy.

How to contact Help U Buy privacy
To submit a privacy request, please use our online Contact Form with the message subject “Privacy Request”.

Collection of personal information
In order to provide requested services, Help U Buy may collect the following categories of personal information for service delivery, legal, compliance, security, and other business purposes.
– Name/Alias
– Customer or Household Number/Account Name
– Protected Class Information
– Product/Service Purchase History
– Postal Address
– Household Demographics
– Telephone Address
– Segments
– Email Address
– Credit History
– Debt Information
– Current Dependents
– Social Security Number
– Other Financial Info.
– Driver’s License/State ID #
– Bank Account Number(s) and Bank Statements
– Passport Number
– Credit/Debit Card Number
– Signature
– Other Payment Information
– Other Biometric Info
– IP (Internet Protocol) Address
– Device ID
– Employment Verification
– Employment History
– Cookies
– Other Associate/Contractor Info
– Pixel Tags
– Insurance Information
– Beacons
– Other Electronic Identifier
– Other Unique Identifier
– Geolocation Data
– Clickstream Data
– CCTV, Audio, or Other Recording
– Internet or Other Electronic Network Activity
– Other Contact Info

Disclosure of personal information
Help U Buy may disclose the following categories of Personal Information to third-party service providers who use the personal information we provide them to assist us in performing business services.
– Name/Alias
– Customer or Household Number/Account Name
– Protected Class Information
– Product/Service Purchase History
– Postal Address
– Household Demographics
– Telephone Address
– Segments
– Email Address
– Credit History
– Debt Information
– Current Dependents
– Social Security Number
– Other Financial Info.
– Driver’s License/State ID #
– Bank Account Number(s) and Bank Statements
– Passport Number
– Credit/Debit Card Number
– Signature
– Other Payment Information
– Other Biometric Info
– IP (Internet Protocol) Address
– Device ID
– Employment Verification
– Employment History
– Cookies
– Other Associate/Contractor Info
– Pixel Tags
– Insurance Information
– Beacons
– Other Electronic Identifier
– Other Unique Identifier
– Geolocation Data
– Clickstream Data
– CCTV, Audio, or Other Recording
– Internet or Other Electronic Network Activity
– Other Contact Info

Sale of personal information
OPTIOfinancing does NOT participate in the sale of personal information as a general course of business.

Children’s online privacy
Our websites are for a general audience and are not geared toward children. We do not knowingly collect personal information from children under the age of 13 without prior consent of a parent or guardian. If consumers believe their child may have disclosed personal information to us without their permission, they should contact Help U Buy and we will remove it.

US Law
Our services are provided to US Consumers, and our Privacy Notice is governed by US legal requirements. If consumers access our services from outside the US, such as by using our websites, they agree to the application of US law. The Privacy Notice was posted and is effective as of April 18, 2024. We reserve the right to change our Privacy Notice at any time. Consumers can always view the current Privacy Notice by clicking on the Privacy Statement link at the bottom of Help U Buy websites.

California resident rights
If you live in California, you may have additional rights. If you are a California resident who is also a Help U Buy employee, job applicant, owner, officer, director, or contractor, contact the Help U Buy HR department for the California-only “California Data Privacy Notice/Notice at Collection” for additional rights under the California Consumer Privacy Act, which may be different than as identified below.
California Civil Code Section 1798.83 gives you the right to:
Receive a list of all third parties we may have disclosed your Personal Information to within the past year for direct marketing purposes; and A description of the categories of Personal Information disclosed.

The California Consumer Privacy Act of 2018, California Civil Code sec. 1798.100 – 1798.199, provides the right to:
– Learn about the categories of Personal Information we have collected from or about you in the past 12 months.
– Get a copy of Personal Information that we have collected from or about you once every 12 months.
– Receive a list of the kinds of third-party service providers we hire to help with internal business functions.
– Obtain the categories of Personal Information that we may have sold or otherwise shared in the past 12 months.
– Learn about the categories of third parties we may have sold your personal information to.
– Have consumer Personal Information removed from our systems
– Choose whether to opt out from our sales of Personal Information
– Lodge complaints about the way we handle your personal information
– Not be discriminated against for exercising your rights under this Privacy Policy

You can make requests to receive copies of personal information and to have personal information deleted on behalf of members of your household that is not required for legal or compliance purposes, by submitting requests on their behalf along with written authorization from each member of your household.

You can also submit requests through an agent (like a membership organization you belong to, your attorney, or someone else you trust) that you have authorized in writing to act on your behalf. To do so you will need to either execute a power of attorney with them to act on your behalf or give your agent their written authorization to do so.

We will need to verify consumer’s identity when you request copies of their personal information, to know about what categories of personal information we collect and share, or have their personal information deleted. We will ask consumers for a photo ID that matches the information we have in our systems so that we can be sure that we are revealing potential sensitive information only to people who are entitled to receive it. If you are making requests on behalf of your household, we will also need to verify the identities of each member of the household.

In order to exercise these rights, you can contact us through The Contact-Us email interface, using the subject “Privacy Request” on OPTIOfinancing websites.

Updates to privacy notice
This Privacy Notice is current as of February 2022. Help U Buy may modify this Privacy Notice periodically to reflect our current privacy practices. We encourage you to periodically review this Privacy Notice to be informed about how Help U Buy is protecting your personal information.

If you have any questions, requests, or complaints about how we collect, use, share, or otherwise handle your Personal Information you can reach us by email using the Contact-Us interface on the Help U Buy websites, using the Subject “Privacy Request”.