To see how we use and share your information, see “Information Shared With Other Parties” below.
Bread loans are made by Comenity Capital Bank, a Utah state-chartered bank, Member FDIC (the “Bank”). For information about how the Bank collects, uses, and discloses your Personal Data obtained in connection with your loan, see the Privacy Notice below.
In a nutshell...
We collect Personal Data about you from:
when you provide such information directly to us, and
when Personal Data about you is automatically collected in connection with your use of our Services.
Our affiliates, agents and assigns (together, “Affiliates”), when they provide us with Personal Data about you.
Third parties, when they provide us with Personal Data about you (“Third Parties”). Third Parties that share your Personal Data with us include:
Non-affiliated vendors and partners (“service providers”).
We may use analytics service providers to analyze how you interact and engage with the Bread Services, the Site or with the websites of Merchants.
Advertising partners. We receive information about you from some of our service providers who assist us with marketing or promotional services related to how you interact with our websites, applications, products, services, advertisements or communications.
Other service providers that may provide us with Personal Data about you include Third Parties that may help us provide you with customer support services, identity verification companies that may help us identify you, and other vendors that may help us gather information to prevent potential fraudulent transactions.
Social networks connected to the services. If you provide your social network account credentials to us or otherwise sign in to the Bread Services through a third-party site or service, you understand some content and/or information in those accounts may be transmitted into your Account with us.
Merchants. Our Merchant partners may provide us with Personal Data about you that is a part of or related to your application for Bread Services.
|Category of Personal Data||Personal Data Collected||What is the source of this Personal Data?|
||You /Third Parties|
|B.||Customer records identified by state law (including the California Customer Records statute (Cal. Civ. Code § 1798.80(e)))||
||You /Third Parties|
|C.||Protected classification characteristics under state or federal law||
||You /Third Parties|
|D.||Commercial information considered, or other purchasing or consuming histories or tendencies.||
||You /Third Parties|
|E.||Biometric information||We do not collect this category of Personal Data.|
|F.||Internet or other similar network activity information||
||You /Third Parties|
||You /Third Parties|
|H.||Sensory data||We do not collect this category of Personal Data.|
|I.||Professional or employment-related information||We do not collect this category of Personal Data.|
|J.||Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99))||We do not collect this category of Personal Data.|
|K.||Inferences drawn from other personal information||We do not collect this category of Personal Data.|
|L.||Age or date of birth||
In addition to the information in the table above, in the course of communicating with us, you may also provide information in writing; through our website, including through our “Contact Us” feature or any other customer service tools; or over the phone which will be recorded and maintained in order to provide the Bread Services to you, to improve Bread Services for other Customers, or as required by law.
You agree to promptly notify us if there are any changes to the Personal Data you have provided to us by calling us at (844) 992-7323 or writing to us at Bread at P.O. Box 1264, New York, NY 10276.
In order to help us further identify you to protect against fraud and identity theft, and for other purposes (including, for example, to improve our product or services or for us or Third Parties to market to you), our technology may gather further information about you, which information may include the following:
The type of device you are using to access the Bread Services or the Site;
Your device’s IP address;
Your device’s location information and any other information sent to us by the device; and
Other information about your interaction with the Bread Services on any Merchant website or the Site.
We use the following types of Cookies:
Essential Cookies. Essential Cookies are required for providing you with features or services that you have requested. For example, certain Cookies enable you to log into secure areas of the Bread Services. Disabling these Cookies may make certain features and services unavailable.
Functional Cookies. Functional Cookies are used to record your choices and settings regarding the Bread Services, maintain your preferences over time and recognize you when you return to the Bread Services. These Cookies help us to personalize our content for you, greet you by name, and remember your preferences (for example, your choice of language or region).
You can control the information provided to Google and opt out of certain ads provided by Google by using the methods set forth in https://www.google.com/policies/privacy/partners/ or use the Google Analytics opt out browser add-on at https://tools.google.com/dlpage/gaoptout?hl=en.
Retargeting/Advertising Cookies. Retargeting/Advertising Cookies collect data about your online activity and identify your interests so that we can provide advertising that we believe is relevant to you. For more information about this, please see the section below titled “Information about Interest-Based Advertisements.”
You can decide whether or not to accept Cookies through your internet browser’s settings. Most browsers have an option for turning off the Cookie feature, which will prevent your browser from accepting new Cookies, as well as (depending on the sophistication of your browser software) allowing you to decide on acceptance of each new Cookie in a variety of ways. You can also delete all Cookies that are already on your computer. If you do this, however, you may have to manually adjust some preferences every time you visit a site and some of the Bread Services and functionalities may not work.
To explore what Cookie settings are available to you, look in the “preferences” or “options” section of your browser’s menu. To find out more information about Cookies, including information about how to manage and delete Cookies, please visit https://www.allaboutcookies.org/.
In a nutshell...
We ask for and collect personal and other information about you directly from you and from third party vendors. This information is used for many purposes, including improving the Bread Services and verifying your identity.
For legal and other reasons, we need to retain the information we collect about you. We retain your information in accordance with our data retention policies, which are designed to satisfy our legal and other obligations. We will only use this information for limited purposes. We may further retain information in an anonymous or aggregated form where that information would not identify you personally.
In a nutshell...
We will retain your information in accordance with our data retention policies even after you have ceased to be a Bread Customer.
We may use your information for everyday business purposes and marketing purposes, including to:
Process transactions with you and otherwise to maintain your online account with us;
Market the Bread Services or our Merchant partners’ products to you;
Contact you by mail, telephone, text message or email, in connection with your Bread account or to deliver updates to our Bread Services (for example, we may use email to send you information about Bread products or services and new offers which we think may interest you – you may be able to opt out of some of these communications);
Develop new products and services or improve them and your experience with them;
Support internal business operations, including assessing and managing risk and meeting legal and regulatory requirements;
Provide technical support for using the Bread Services;
Monitor and analyze trends and usage;
Comply with contractual obligations, relevant industry standards and our policies;
Verify your identity, prevent or detect fraud or other unauthorized or illegal activity;
Operate, evaluate and improve our business (including developing new products and services, performing data analytics, and performing accounting, auditing and other internal functions);
Respond to your requests;
Protect against or deter fraudulent, illegal or harmful actions and maintain the safety, security and integrity of the Bread Services;
Respond to law enforcement requests and as required by applicable law, court order, or governmental regulations;
Perform any other business purpose stated when collecting your Personal Data or as otherwise set forth in applicable data privacy laws, such as the Gramm-Leach-Bliley Act.
We may use or combine information that we collect through other sources or from service providers to enhance, expand or verify the accuracy of our records, or for other reasons. Data collected from a particular browser, device or application may be used with another linked browser, device or application.
We will not collect additional categories of Personal Data or use the Personal Data we collected for materially different, unrelated, or incompatible purposes without providing you notice.
As noted in the list above, we may communicate with you if you’ve provided us the means to do so. For example, if you’ve given us your email address, we may send you promotional email offers or email you about your use of the Bread Services. Also, we may receive a confirmation when you open an email from us, which helps us improve the Bread Services. If you do not want to receive promotional communications from us, please indicate your preference by emailing us at email@example.com.
In a nutshell...
We may use your information for our everyday business purposes, to facilitate the use of the Bread Service, to market to you, and for various other business purposes.
By using Bread Services, you authorize us to share with the Merchant, for their marketing purposes, and with other non-affiliated third parties (for example, marketing companies) for the purposes of marketing the Bread Services or the Merchant’s products and services to you, certain information that is a part of or related to your application for Bread Services, including, but not limited to, your name, email address and whether or not you were pre-qualified to use the Bread Services, as permitted by law. You may opt out of this sharing at any time by calling us at (844) 992-7323 or emailing us at firstname.lastname@example.org.
We may share your information with other third parties for business purposes, including the following:
With our service providers in connection with our everyday business operations of providing the Bread Services to you , including those that engage in assisting us in underwriting, sending communications on our or our Merchants’ behalf, document storage, fraud prevention, and collections, maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services on behalf of the service provider;
Auditing related to a current interaction and concurrent transactions, including, but not limited to, ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards;
Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity;
Debugging to identify and repair errors that impair existing intended functionality;
Short-term, transient use of Personal Data that is not used by another party to build a consumer profile or otherwise alter your consumer experience outside the current interaction;
Undertaking internal research for technological development and demonstration;
Undertaking activities to verify or maintain the quality or safety of a service or device that we own, manufacture, was manufactured for us, or control;
Subject to your consent and right to opt-out as described above, with the Merchant for their marketing purposes and with other non-affiliated third parties (for example, marketing companies) for purposes of marketing the Bread Service or the merchant’s products and services to you;
With regulators, auditors, or our Partner Bank(s), in connection with an audit, routine inquiry, or to fulfill our contractual or legal obligations;
Financing partners to Lon Operations LLC, its parent company, or its affiliates to fulfill certain contractual obligations;
Third parties who may purchase your loan or SplitPay agreement (or an interest in the loan or agreement), or the rights to service such loan or SplitPay account;
Non-affiliated third parties, including regulatory bodies, law enforcement officials, governmental agencies, and courts, in response to a judicial proceeding, court order, or legal process or for the purposes of preventing fraud or criminal activity, or as required by law or to protect our legal rights;
Third parties with whom we may work in conjunction with or to whom we may license our technology;
Affiliates of Lon Operations LLC who have a need to know such information for everyday business purpose; and
With any third party in response to a legal or regulatory inquiry.
In the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of any or all of our assets, some of the Personal Data that we hold may be among the assets transferred to a buyer or other successor. We may transfer to another business or non-affiliated entity or its affiliates, advisors or service providers some or all information about you in connection with, or during negotiations of, any joint marketing relationship, merger, acquisition, sale of assets or any line of business, change in ownership control or financing transaction. If we do, we may not be able to limit how such other party may use or further transfer your information.
We may also share with third parties – such as advertisers – aggregated or de-identified information and we do not limit our third-party providers from using, selling, licensing, distributing, or disclosing such aggregated or de-identified data.
We may share information in other ways if you give us consent or direct us to do so.
We have not sold your Personal Data over the last twelve (12) months.
In a nutshell...
By using Bread Services, you authorize us to share with the Merchant for their marketing purposes and with other non-affiliated third parties (for example, marketing companies) for purposes of marketing the Bread Service or the Merchant’s products and services to you, certain information that is a part of or related to your application for Bread Services, including, but not limited to, your name, email address and whether or not you were pre-qualified to use the Bread Service, as permitted by law. You may opt out of this sharing at any time by calling us at (844) 992-7323 or emailing us at email@example.com. We may also share your information with non-affiliated third parties for everyday business purposes and for marketing purposes, our affiliates for everyday business purposes, or other third parties in response to a legal or regulatory inquiry or as required by law. We do not sell your Personal Data.
We have adopted a security policy and certain safeguards intended to protect your information against unauthorized access, which may include firewalls, data encryption and restricting access to your Personal Data only to those employees, contractors or other representatives who have a need to know such information to carry on our operations. These safeguards are reviewed and adjusted periodically based on ongoing risk assessments.
Some of our employees, contractors and representatives may have access to your information. Wherever possible, our policies and procedures may limit access to your information to those employees, contractors, and representatives who have a need for such information to perform their job functions.
Please keep in mind that the Internet is not a 100% secure medium for communication, and we cannot guarantee that the information collected about you will always remain private when using the Bread Services. We recommend that users implement their own security controls, including the use of strong passwords, antivirus software, and maintaining up-to-date web browsers.
In a nutshell...
We have adopted a security policy and certain safeguards intended to protect your information against unauthorized access.
In a nutshell...
This policy only covers the Bread Services and this Site. The Merchant with whom you use the Bread Services will likely have their own privacy policies which you should consult.
You can access certain Personal Data that you have provided to us by logging into your account at https://members.getbread.com. You can update your bank account information through the account portal and if you need to change any other information you can contact us at firstname.lastname@example.org or (844) 992-7323. You agree to notify us promptly of any changes to your Personal Data.
You have the right to request certain information about our collection and use of your Personal Data over the past twelve (12) months. We will provide you with the following information:
The categories of Personal Data that we have collected about you.
The categories of sources from which that Personal Data was collected.
The business or commercial purpose for collecting or selling your Personal Data.
The categories of third parties with whom we have shared your Personal Data.
The specific pieces of Personal Data that we have collected about you.
If we have disclosed your Personal Data for a business purpose over the past twelve (12) months, we will identify the categories of Personal Data shared with each category of third-party recipient.
You have the right to request that we delete the Personal Data that we have collected from you. Under the CCPA and other privacy laws, this right is subject to certain exceptions: for example, we may need to retain your Personal Data to provide you with the Bread Services or complete a transaction or other action you have requested, including in connection with a financial transaction. If your deletion request is subject to one of these exceptions, we may deny your deletion request.
Under California Civil Code Sections 1798.83-1798.84, California residents are entitled to contact us to prevent disclosure of Personal Data to third parties for such third parties’ direct marketing purposes; in order to submit such a request, please contact us at email@example.com.
To exercise the rights described above, you must send us a request that (1) provides sufficient information to allow us to verify that you are the person about whom we have collected Personal Data (e.g., the IP address you used to access a Merchant website or the email address you provided), and (2) describes your request in sufficient detail to allow us to understand, evaluate, and respond to it. Each request that meets both of these criteria will be considered a “Valid Request”. We may not respond to requests that do not meet these criteria. We will only use Personal Data provided in a Valid Request to verify you and complete your request. You do not need an account to submit a Valid Request.
We will work to respond to your Valid Request within forty-five (45) days of receipt. We will not charge you a fee for making a Valid Request unless your Valid Request(s) is excessive, repetitive, or manifestly unfounded. If we determine that your Valid Request warrants a fee, we will notify you of the fee and explain that decision before completing your request.
You may submit a Valid Request using the following methods:
Call us at: (844) 992-7323
Emailing us at: firstname.lastname@example.org
We will not discriminate against you for exercising your rights under the CCPA. We will not deny you our goods or services, charge you different prices or rates, or provide you a lower quality of goods and services if you exercise your rights under the CCPA.
In a nutshell...
You can, and should, update your information by contacting us at email@example.com or (844) 992-7323. You have the right to request certain information about our collections and use of Personal Data and the right to request that we delete your Personal Data. Certain of the rights set forth in this Section, however, may not apply to our collection and use of your Personal Data governed by the Gramm-Leach-Bliley Act or the Fair Credit Reporting Act.
Your use of the Site and/or Bread Services is intended for use only in the United States and states where Bread Services are available. The Bread Services are intended only for persons aged eighteen (18) years or older (nineteen (19) years of age in Alabama or Nebraska). While certain Merchant’s products may be sold outside the United States, including in the European Union, the Bread Services and the Site are not marketed to or intended to be used by any non-United States resident.
We do not knowingly collect or solicit Personal Data from anyone under the age of thirteen (13). If you are under thirteen (13), please do not attempt to use Bread Services or send any Personal Data about yourself to us. If we learn that we have collected Personal Data from a child under age thirteen (13), we will delete that information as quickly as possible. If you believe that a child under thirteen (13) may have provided us Personal Data, please contact us immediately at firstname.lastname@example.org.
If you are a resident of Nevada, you have the right to opt-out of the sale of certain Personal Data to third parties who intend to license or sell that Personal Data. You can exercise this right by contacting us at email@example.com with the subject line “Nevada Do Not Sell Request” and providing us with your name and the email address associated with your account. Please note that we do not currently sell your Personal Data as sales are defined in Nevada Revised Statutes Chapter 603A.
Our Site does not support Do Not Track (“DNT”) at this time. DNT is a privacy preference you can set in your web browser to indicate that you do not want certain information about your web page visits tracked and collected across websites. For more details, including how to turn on Do Not Track, visit https://www.donottrack.us/
In a nutshell...
Your use of the Site and/or Bread Services is intended for use only in the United States and the states where Bread Services are available. The Bread Services are intended only for persons aged eighteen (18) years or older (nineteen (19) years of age in Alabama or Nebraska). We do not knowingly collect or solicit Personal Data from anyone under the age of thirteen (13). If you believe that a child under thirteen (13) may have provided us Personal Data, please contact us immediately at firstname.lastname@example.org.
Rev. January 2021
Financial companies choose how they share your Personal Data. 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 Data. Please read this notice carefully to understand what we do.
The types of Personal Data we collect and share depend on the product or service you have with us. This information can include:
Social Security number and Account balances
Payment history and Transaction history
When you are no longer our customer, we continue to share your information as described in this notice.
All financial companies need to share Personal Data to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ Personal Data; the reasons Lon chooses to share; and whether you can limit this sharing.
|Reasons We Can Share Your Personal Data||Does Lon 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||No||We don’t share.|
|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 non-affiliates to market to you||Yes||Yes|
|To Limit Our Sharing|
However, you can contact us at any time to limit our sharing.
Call (844) 992-7323 or contact us at email@example.com.
Who is providing this notice?
Lon Operations LLC
How does Lon protect my Personal Data?
To protect your Personal Data from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Lon collect my Personal Data?
We collect your Personal Data, for example, when you
Apply for a loan or open an account;
Give us your contact information or provide account information; or
Use your debit or credit card
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 non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for additional information on your rights under state law.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
In 2020, we were acquired by Alliance Data Systems Corporation. Therefore, our affiliates include Alliance Data Systems Corporation and all of its subsidiaries, including but not limited to, Comenity Bank and Comenity Capital Bank. Our affiliates also include Lon Holdings LLC and Lon Administration LLC.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Non-affiliates we may share with can include our Partner Bank(s), Merchants with which you use our services, non-affiliated marketing companies, and Lon’s service providers.
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
Lon Operations LLC doesn’t jointly market.
In accordance with California law, we will not share information we collect about California residents with non-affiliates, unless the law allows. For example, we may share information with your consent or to service your accounts. We will limit sharing among our companies to the extent required by California law.
We will not disclose information about your creditworthiness to our affiliates and will not disclose your Personal Data, financial information, credit report, or health information to non-affiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be obtained by calling (844) 992-7323.