Last Updated January 27, 2013
Neo will not rent or sell your personal information to third parties. Neo may share some of your personal data (e.g. banking information and name to deposit funds) with our network of third party lenders to facilitate your loan transactions.
When you create an account on Neo, we collect basic information about you through the registration process - your name, email address, social media, and a means to authenticate your account (for example, a password). You may also provide additional information through the account creation process, such as the email address of the person who referred you to Neo. You may also provide other information (for example, your occupation, your physical address, your city/state/country of residence, employer and education history, family information, the reasons why you choose to use Neo) through the creation of a profile page, creating/joining as an endorser on the Website, making a loan transaction on Neo, updating your account information, or by registering with Neo through a third-party single sign on registration tool. Our Services require access to your FI Account Data. We use a third party service provider to facilitate the aggregation of your FI Account Data from your Financial Institutions, including, but not limited to, storing your FI Access Information, accessing your FI Account Data, and retrieving your FI Account Data from such third party financial institutions. Neo will also track information on your loan transactions (for example, amount of the loan, repayments) and make that information available to you on your private Neo account page. As you use additional features of the Website, we may collect the additional information you enter.
By establishing an account on Neo, you agree to receive emails or other written communication, such as physical mail, based on your account status or activity (for example, confirmations of loans you have requested, loan application status, notifications of loan repayments, statements or other information with respect to the amount of credit available in your Neo account, confirmation of email address or password changes, or customer service inquiries regarding the status of or activity in your account).
By default, you may receive periodic newsletter emails from Neo. The frequency of these newsletters may vary. You can choose not to receive these newsletters through a preference on the Website as well as opt-out directly from the email.
Neo will not disclose your personally identifiable lending activity to any third party without consent. Neo reserves the right to record and display anonymous lending activity on the Website and display the general regions where our applicants and lenders are located.
Neo may use your data in an anonymous and aggregated form to conduct certain analytical research, performance tracking and benchmarking. We may also publish research data comprised of anonymous aggregate data from time to time, and may use, display, distribute or license such aggregated research de-identified, anonymized, data to third parties for purposes of helping us improve our products and services.
Neo's service providers, agents and representatives may be provided access to your personally identifiable information as part of, or incident to, their provision of services to Neo (for example, processing of loan transactions). All such access shall be under appropriate confidentiality agreements and limited to use to provide services to Neo.
Similar to many websites, if a Website user has enabled cookies in their browser, Neo, independently and through enabled third party tools and programs, collects certain technical information utilizing a cookie file, such as the path of users to the Website, pages visited, originating IP address, browser type, browser language, and the date and time of the user's visit. This information helps Neo track trends and to improve areas of our Website based on visits, and are common analytics used by most websites.
This Website is intended to be used by adults. It is not intended for children, and Neo does not want to collect any personal information for users who are under the age of 18. Neo recommends that parents do not post, or permit others to post, any personally identifiable information with respect to persons under the age of 18.