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Last Revised: 10/20/2023

Privacy Policy

Privacy Policy - Summary

At PorchPass, we are committed to protecting user privacy. Therefore, we have created and are maintaining an ongoing privacy compliance framework that enables users to access and exercise their privacy rights.

This policy explains what information we collect, how we use it, who we share it with, and what options you have about certain uses. Key elements of our full privacy policy are summarized below for your convenience. However, the full version of our privacy policy is the legally binding one.

During your visit to our websites, we will collect information about your visit, your interaction with content, the site from which you came and the one to which you are headed, and some technical information about the device and system from which you are accessing the services. When you use our services, we may ask you to provide sensitive Personal Information, which may include financial information. We use such information to match you with a third-party financial service provider or a platform that may provide you with financial product offers.

Our data collection practices comply with applicable laws. Specifically we comply with the Gramm-Leach-Bliley Act to the extent it is applicable to our use, and sharing practices. In some states in the US, our processing of information may raise additional privacy rights. Vermont residents should note that we will not share nonpublic Personal Information with unaffiliated third parties without their consent, except as permitted by law, and we will not share credit scores with our affiliates, to the extent such are collected. Residents of states that have state privacy regulations should also review their state specific privacy notices.

We use the information collected on our websites to provide the services you request, to improve the services over time, to measure analytics, statistics, and to sync and resolve payment issues with our Partners (as described in section 3.2 below).

We will not share your information unless we are required to by law, or as required to provide you with our website and services, or if we receive your consent to such data sharing.

The Site may link to third party websites, we are not responsible for the privacy practices of such third parties and you should review their privacy policies of such sites when you access them.

We strongly encourage you to read, understand and revisit our full privacy policy from time to time. You can jump to a particular topic by clicking the following links:


You are visiting a website owned and operated by PorchPass, LLC. PorchPass, LLC and its subsidiaries (collectively, “PorchPass”, “us”, “we”, or “our”) are committed to maintaining your confidence and trust as it relates to the privacy and usage of your information. Please read below and learn how we collect, protect, share, and use your information as part of our technology platforms, and all of our products and services.

This Privacy Policy applies to www.porchpass.com and all websites and mobile apps owned and operated by PorchPass on which this privacy policy is displayed (such websites and apps referred to hereafter as the “Website(s)” or “Site(s)”, whether individually or collectively, or collectively as “Services”) as well as PorchPass affiliates. This Privacy Policy forms an integral part of the Site's Terms of Use Agreement (the “Terms”). Any capitalized term in this Privacy Policy that was not defined, will have the meaning given to it in the Terms.

By using the Site, you agree to the terms of this Privacy Policy. Please read this entire Privacy Policy before using or submitting information to us through this Site or any online resource. Whenever you submit information via this Site, you consent to the collection, processing, use and disclosure of such information in accordance with this Privacy Policy. If you do not agree to this Privacy Policy, you are not permitted to access or use the Site.

For purposes of this Privacy Policy, “Personal Information” shall mean any information by which you can be individually identified directly or in conjunction with other publicly available information, including, but not limited to your name, address, email address, telephone number, and any financial information you may provide for purposes of completing a transaction with PorchPass. This Privacy Policy does not apply to information collected from offline resources and communications, except in cases where such information is consolidated with Personal Information collected by PorchPass through this Site. This Privacy Policy does not apply to any third-party websites linked to this Site. PorchPass is not responsible for the privacy practices or the content of these third-party sites.

Notice to California Residents (Click here to learn more about your California Privacy Rights and for our Notice of Collection of Personal Information).

Consumer Privacy Disclosure(Click here for additional information regarding our handling of financial information and your choices with respect to such information).

Cookies and IBA Policy(Click here to learn more about how we use Cookies and how to opt-out of target advertising)

DISCLAIMER: The content appearing on any PorchPass websites, this Site, or other web-based resources is presented exclusively for informational purposes. You understand and agree PorchPass does not use this Site to provide medical advice, financial advice, or legal advice, and you should not assume information submitted through this Site is subject to health, financial or legal privacy laws or regulations. You will not rely on any statements made on this Site as though it were professional advice.

Categories of Information We Collect

Identifying Information: We collect information that could identify you such as your name, street address, telephone number, mobile number, email address, and Social Security Number, information collected from cookies or other tracking technologies, other information necessary to establish an account. We may also collect this type of information from you about others, such as co-borrowers.

Financial Information: Such as, bank account and routing numbers, credit and debit card information, annual income, employment information, and information about other sources of income. We may also collect your credit history, credit scores, your transaction history, and credit products, rates, and payments in the course of processing any application for our financial company partners' products or services. For additional information relating to your choices about financial information specifically, see our Consumer Privacy Disclosure.

Other Information: We also collect information such as demographic data, data about your online activity, and other information that is not used to identify you.

How We Collect Information

  1. Information provided by you: You provide your personal information when you interact with us, such as when you register for our services, make loan inquiries, fill in forms, communicate with us, apply for jobs, and work for us.
  1. Information from third parties: Information is collected from credit bureaus, lead generators and other partners who may have data on your financial profile, home, or other demographic information.
  1. Information from cookies and other tracking technologies: We use cookies, web beacons, and similar technologies to record your preferences, track the use of our Site and collect information. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you. You may choose to set your web browser to refuse cookies, or to alert you when cookies are being sent. If you do so, please note that some parts of our Site may not function properly.

How We Use Information

Any Personal Information collected by PorchPass may be used for the following purposes:

  1. For the business purposes of PorchPass or our business partners, including legally authorized marketing, sales, operational and financial activities.
  2. To comply with any requests from you, including requests to complete a transaction, receive certain information or share content from this Site with another individual.
  3. To better understand your needs and how we can improve our products and services.
  4. To communicate with you about products or services you might find interesting.
  5. To tailor your experience on our Site.

Where permitted by our arrangements with service providers, PorchPass may combine the Personal Information you share through this Site with other information you have shared with us, both online and offline. PorchPass may also combine this Personal Information with records provided by third parties. PorchPass uses this consolidated information to help better design PorchPass products, to communicate information to you, to enhance marketing and research activities, and to facilitate other business functions.

Who We Share Information With

PorchPass may share Personal Information about you with our subsidiaries and affiliates. In addition, PorchPass may share your Personal Information with outside third parties solely for the following purposes:

  1. To help fulfill PorchPass business transactions.
  2. To conduct technical maintenance of PorchPass' Site and other platforms.
  3. To facilitate a merger, consolidation, transfer of control or other corporate reorganization in which PorchPass participates.
  4. To facilitate a financing agreement in which the assets implicated include PorchPass' technical or information resources.
  5. To respond to appropriate requests of legitimate government authorities, or where required by applicable laws, court orders or government regulations.
  6. Where needed for corporate audits or to investigate or respond to a complaint or security threat.

Any subsidiaries or affiliates with whom PorchPass shares your Personal Information shall be required to treat such information in accordance with this Privacy Policy. The privacy and information practices of other business partners (such as lenders and vendors who offer products and services that we believe you may be interested in) are set forth in their respective privacy policy.

Cookies and Do Not Track

When you interact with our Services, open email we send you, or visit a third-party website for which we provide Services, we and our partners use cookies and other tracking technologies such as pixel tags, web beacons, and widgets (collectively, “Cookies”) to recognize you as a user, customize your online experiences and online content, including to serve you interest-based advertising, perform analytics; mitigate risk and prevent potential fraud, and promote trust and safety across our Services.

We use Cookies to collect your device information, internet activity information, and inferences as described above.

You can disable or decline some Cookies for our Services but, since some parts of our Service rely on Cookies to work, those services could become difficult or impossible to use.

Some web browsers have an optional setting called “Do Not Track” that lets you opt-out of being tracked by advertisers and some third parties. Our Site may not respond to Do Not Track requests or headers from some or all browsersbecause many of our Services will not function without tracking data.

If you want to know more about how we use Cookies and how to opt-out of this kind of tracking technology, please review our Cookie and IBA Policy.

Use of Information for Marketing

PorchPass will not sell or transfer your Personal Information to any nonaffiliated entity for its own, independent direct marketing use unless we provide clear notice to you and obtain your explicit consent. PorchPass uses third-party advertising companies to place ads on other websites. These companies may use data about your visits to this Site and other websites to measure advertising effectiveness and to provide advertisements for our Site including goods and services which may be of interest to you.

Updating and Accessing Your Information

Depending on the Service, you may have the ability to view or edit some of your information online using the Service's interface. If you have submitted a loan request through us, you can update your information bycontacting usathello@PorchPass.comor on 1-210-670-5553. Our address is 84 NE Loop 410, Suite 180, San Antonio, TX 78216.

Social Media Plugins

This Site may use social media plugins to enable you to easily share information with others. When you visit this Site, the operator of the social media plugin may be able to place a cookie on your computer, enabling that operator to recognize individuals who have previously visited this Site. If you are logged into the associated social media website (e.g., Facebook) while browsing on this Site, the social media plugin allows that social media website to receive information about your visit to this Site. The social media plugin may also allow the social media website to share information about your activities on this Site with other users of their social media website. For more information about the information shared via a particular social media plugin, you should refer to that social media website's privacy policy.

How We Protect Your Information

PorchPass and its affiliates, if applicable, take steps to protect Personal Information we access or receive through this Site from loss, misuse and unauthorized access, disclosure, alteration or destruction. Nevertheless, PorchPass makes no guarantee as to the security of your Personal Information and disclaims, to the fullest extent permitted by law, all liability and damages caused by loss, misuse and unauthorized access, disclosure, alteration or destruction. We recommend you take any available precautions to protect Personal Information you submit on this Site.

Information Retention Period

We retain Personal Information for as long as needed or permitted in context of the purpose for which it was collected and consistent with applicable law. We calculate the retention period based upon the time the personal information is needed to: (a) fulfill the purposes described in this Privacy Policy, (b) meet the timelines required or recommended by regulators, professional bodies, or associations, (c) comply with applicable laws, legal holds, and other legal obligations (including contractual obligations), and (d) comply with your requests.

Notice, Choice, and Control

Before you provide Personal Information to PorchPass, we will provide you with notice (including through this Privacy Policy) about the purposes for which we collect and use Personal Information, how to contact us with any inquiries or complaints, the types of third parties to which we disclose Personal Information and the choices and means by which you can limit the use and disclosure of your Personal Information. PorchPass also will provide you with notice before using or disclosing your Personal Information for a purpose other than for which it was originally collected.

Your Data Privacy Rights

Your local privacy laws may grant you rights with respect to your personal information, and we will not knowingly discriminate against you because you have exercised any of your privacy rights. These rights differ based on the local laws that apply to you, but could include one or more of the following:

California residents may have the rights as described in our California Policy.

IMPORTANT: These rights are not absolutely guaranteed and there are several exceptions where we may not have an obligation to fulfill your request. We are only required to honor these rights to the extent we act as a controller of that data and the requested rights have been granted and apply to you under applicable data privacy laws. Please consult your local data privacy laws to determine what rights may be available to you and when access to these rights is limited. You may appeal an adverse decision on your requests by emailing or writing to us; and you have the right to lodge a complaint to your local regulator if you are not satisfied with our responses to your requests or how we manage your personal information. However, we encourage you to first contact us so we can address your concerns directly.

Updating and Accessing Your Personal Information

PorchPass wants to be sure we keep only the most accurate and up-to-date information about you in our records. Therefore, whenever you believe your contact information needs to be updated, you can email us at hello@PorchPass.com to correct or update contact information. Likewise, if you would like to request access to or correction of the Personal Information about you which PorchPass has collected, you can contact us by using the contact information provided below. PorchPass may limit or deny access to Personal Information where providing such access would be unreasonably burdensome or expensive, or as otherwise provided by law. In some circumstances, PorchPass may charge a reasonable fee, where warranted, for access to and other requests regarding Personal Information.

Changes to this Privacy Policy

From time to time, PorchPass may revise this Privacy Policy to reflect changes to our business, Services, or applicable laws. If the revised version requires notice in accordance with applicable law, we will provide you with 30 days' prior notice by posting notice of the change on our Site, otherwise changes to this Privacy Policy will be promptly reflected on this page. PorchPass recommends you review this Privacy Policy regularly for any changes. Continued use of our Site after publication of any change in our Privacy Policy indicates your consent to the use of newly submitted information in accordance with the amended Privacy Policy. The date on which this policy was last revised is located at the top of this Privacy Policy.

Visiting our Websites from Outside the United States

This Site is directed towards users who reside in the United States of America. It is not our intent to gather Personal Information from individuals residing outside the United States of America on this Site.

Not Intended for Minors

Our Services are not designed or intended for use by children under the age of 13. Moreover, we do not knowingly collect any Personal Information from anyone under the age of 13 without the prior, verifiable consent of a parent or guardian in accordance with appropriate verification mechanisms under the Children's Online Privacy Protection Act. Anyone under 13 years old should seek their parent's or guardian's permission prior to using or disclosing any Personal Information on this Site. You must be 18 years of age or older to submit registration or survey information.

How to Contact Us

For any questions regarding this Privacy Policy, the Site, or your Personal Information, we can be reached at:

PorchPass, LLC

84 NE Loop 410

Suite 180

San Antonio, Texas 78216


Supplemental Privacy Policies

Depending on the specific Service you are using or specific interactions you have with us (such as when you apply for a job or work for us), we may provide different or supplemental privacy policies that describe and govern how we use your personal information. When we do so, those different or supplemental privacy policies apply to that specific Service or those specific interactions. Of note, please review these supplemental privacy policies:

Last Revised: 10/20/2023


This Privacy Policy for California Residents supplements the information contained in our Privacy Policyand applies to individuals who reside in the State of California. PorchPass provides this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) as amended by the California Privacy Rights Act of 2020 (“CPRA”). To the extent this policy conflicts with our Privacy Policy, this policy governs for California residents.

About this Policy

PorchPass = PorchPass, LLC, a Texas limited liability company, its banking and non-banking U.S. affiliates and subsidiaries and service providers (collectively, “PorchPass”, “we”, “our” and “us”).

You/Your = customers, consumers, employees, applicants, contractors, and visitors (including their agents and representatives) of the entity or party you are acting on behalf of.

Personal Information = information that identifies, relates to, or could reasonably be linked with a particular California resident or household. However, personal information does not include publicly available, deidentified, or aggregate consumer information (which are all defined in CCPA/CPRA).

Sell/sold = the disclosure of Personal Information for monetary or other valuable consideration.

Sharing = the targeting of advertising to a consumer based on that consumer's personal information obtained from the consumer's activity across websites, and “selling” is defined as the disclosure of personal information to third parties in exchange for monetary or other valuable consideration. “Personal Information” is information that identifies, relates to, or could reasonably be linked with a particular California resident or household.

The specific Personal Information that we collect, use, and disclose relating to a California resident covered by the CCPA will vary based on our relationship or interaction with that individual. For example, this Notice does not apply with respect to information that we collect about California residents who apply for or obtain our financial products and services for personal, family, or household purposes. For more information about how we collect, disclose, and secure information relating to these customers, please refer to our Consumer Privacy Disclosure.

Under the laws of California and certain other US states (i.e., Virginia), we are required to provide you with the following additional information about: (1) the purpose for which we use each category of “personal information” we collect; and (2) the categories of third parties to which we (a) disclose such personal information for a business purpose, (b) “share” personal information for “cross-context behavioral advertising,” and/or (c) “sell” such personal information.

Data Collection and Use

PorchPass collects certain categories of data including personal information about you for purposes such as offering products and services, servicing your account, and providing employment services.

We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“personal information”). In particular, we may have collected the following categories of personal information from consumers within the last twelve (12) months:

Business or Commercial Purposes for Which PorchPass Collects, Shares (for Cross-Context Behavioral Advertising), or Sells Personal Information about Customers (also see the how is your information used section of this Privacy Policy).We collect and disclose this information:

CCPA provides California residents with the right to opt-out of the sale or sharing of their personal information.

PorchPass does not offer an opt-out from the sale or sharing of personal information because we do not engage in the sale or sharing of personal information as contemplated by the CCPA. Additionally, we do not knowingly sell or share information regarding children under the age of 16.

How Long We Retain Your Information

PorchPass retains Personal Information consistent with our record retention policies and as required by law. This enables us to comply with legal and regulatory requirements or use it where we need to for our legitimate purposes such as managing your account and dealing with any disputes or concerns that may arise. We may need to retain your information for a longer period where we need the information to comply with regulatory or legal requirements, or where we have another lawful reason to do so, e.g. fighting fraud and financial crime, responding to requests from regulators, etc. If we do not need to retain information for this period of time, we may destroy, delete or anonymize it consistent with our records retention policies.

Our Sources of Information

We obtain information from the following categories of sources:

Directly and indirectly from activity on our websites or partner websites or via mobile applications. For example, from submissions through our website portal or website usage details collected automatically

Recipients of Disclosures for Business Purposes

We disclose personal information for the business purposes described in above. When we disclose personal information for a business purpose, we enter a contract that describes the purposes and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.

We disclose your personal information for a business purpose to the following categories of third parties:

Your Rights under CCPA

The CCPA provides California residents with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

Among other rights provided by CCPA, you have the right to request access to the personal information we collect about you, the right to request that we correct the personal information we collect, the right to request that we delete the personal information we have collected from you, right to request PorchPass opt you out of the sale of your personal information or sharing of your personal information for cross-context behavioral advertising. and the right not to receive discriminatory treatment for the exercise of your CCPA privacy rights.

To exercise these rights, you may complete the webform located at https://www.PorchPass.com/contactor contact us at 1-210-670-5553. In your request, you are asked to provide the following:

Required Information

Optional Information

First Name & Last Name

Alternate / previous address that might help us identify you or the California resident whose personal data is being requested in our systems. Examples include:

  • An address used for PorchPass Account (if different from current California Residential Address)
  • Previous residential / business address

Purpose of your request (access, know, correct or delete)

Last four digits of your or the other person's Social Security Number

Current California Residential Address

Last four digits of your or the other person's current / previous PorchPass account

Indicate whether you have or had a PorchPass account and what type of account or whether you've been employed by PorchPass

Other information that may help us identify you or the other person, for example middle name, maiden name, suffix, nickname, etc.

Preferred method of receiving PorchPass' response (mail / email)

E-mail Address - required if requesting response by email

Phone number - required for verification purposes (through which we may contact you or other person)

If you are submitting this request on behalf of another person, please provide this additional information:

  • Your name
  • Your contact information
  • What is your authorization to make this request?
    • Registered with the California Secretary of State
    • Power of Attorney; or
    • Parent/Legal Guardian of a Minor

Please note that your request must:

We cannot provide you with personal information if we cannot verify your identity or authority to make the request or we cannot confirm the personal information relates to you. Making a request does not require you to create an account with us. We will only use personal information provided in your request to verify your identity or authority to make the request.

IMPORTANT: These rights are not absolutely guaranteed and there are several exceptions where we may not have an obligation to fulfill your request. We are only required to honor these rights to the extent we act as a controller of that data and the requested rights have been granted and apply to you under applicable data privacy laws. Please consult your local data privacy laws to determine what rights may be available to you and when access to these rights is limited. You may appeal an adverse decision on your requests by emailing or writing to us; and you have the right to lodge a complaint to your local regulator if you are not satisfied with our responses to your requests or how we manage your personal information. However, we encourage you to first contact us so we can address your concerns directly.

We process sensitive personal information only for those purposes expressly permitted under California law.

To the extent we process deidentified information, we will maintain and use the information in deidentified form and will not attempt to reidentify the information unless permitted by applicable law.

Changes to Our CCPA Policy

We reserve the right to amend this privacy policy at our discretion and at any time. When we make changes to this privacy policy, we will notify you by email or through a notice on this page.


Last Revised: 10/20/2023

This Cookie and IBA Policy supplements our Privacy Policyand specifically explains how we and our third-party business partners deploy cookies and other tracking technologies (which we call “Tracking Technologies”), including for interest-based advertising (IBA), as well as the options you have to control them.

What are cookies and other tracking technologies?

“Cookies” are small pieces of data, stored in text files, that are stored on your browser, computer, or other device. The cookies we use may include “flash cookies” (or “local shared objects”) and “HTML5 cookies” that store information on your device (outside of your browser) and are specific to content supported by Adobe® Flash or HTML5. We and our third-party business partners may also use other tracking technologies such as “web beacons” (also known as “tags” and “pixels”) which are small images embedded in our Services, content, or emails, as well as “embedded scripts” which are pieces of code that are temporarily downloaded onto your device. These other tracking technologies are often used in conjunction with cookies, but may be stored on your device in a different manner from cookies so disabling cookies may not also disable these tracking technologies.

These Tracking Technologies may be operated and set by us (known as “first party trackers”) or by our third party business partners, such as social media networks, advertising networks, and content providers, (known as “third party trackers”); and can be set either for a single visit (through a “session tracker”) so they are deleted after that visit or remain on your device to persist for multiple repeat visits (through a “persistent tracker”).

Why do we use cookies and other tracking technologies?

We use Tracking Technologies for several different purposes: these technologies are widely used to remember you and your preferences and understand how you interact with us so that we may perform essential functions (such as to provide our Services or deliver content and allow users to register and remain logged in), personalize our Services and content and ensure a quality, consistent, and efficient experience for our users, analyze your usage of our Services and interactions with content (including emails), and to deliver and measure advertising (including IBA).

How can you control the use of Tracking Technologies?

You may wish to restrict the use of cookies or completely prevent them from being set. Most modern browsers allow you to change your cookie and other tracker settings, and you can usually find these settings in the options or preferences menu of your browser. Flash cookies can only be deleted within Adobe Flash rather than via your browser, and please refer to this Adobe help page for information on how to manage Flash cookies. Additionally, you can opt-out of Google Analytics by installing Google's opt-out browser add-on.

You may also see a “cookie banner” on some of our Services, which allows you to manage our use of cookies and other Tracking Technologies - click on the banner for more information regarding which cookies are used on that particular Service and what you may disable, but please note that you cannot disable any Tracking Technologies that are categorized as strictly necessary.

Please be aware that some of the features of our Services may not function correctly if you disable all cookies or other technologies.

Do you honor Do Not Track Signals?

Generally, we do not currently respond to, or take any action with respect to web browser “do not track” signals; however, in some instances, our third party business partners who integrate within our Services will honor do not track signals.

What is Interest-Based Advertising?

“Interest-based advertising” (IBA) is also commonly referred to as “targeted advertising”, “online behavioral advertising”, and “personalized advertising”, and it generally means the delivery of personalized or targeted advertising to you that are tailored to your specific interests and demographics. IBA may also include analytics and reporting related to those advertisements (such as ad measurement and attribution, segmentation, and market research).

We may send you IBA based on the use of Tracking Technologies and other information you make available to us when you interact with our Services, our content, and our advertisements. We engage various third party business partners to serve you IBA and we may share with those third party business partners certain information about you and our Tracking Technologies to do so. Some of these third parties will deploy their own Tracking Technologies on our Services and content when doing so, in which they automatically receive your IP address, browser or device information, and other information from these Tracking Technologies. Some of our third party business partners (and their business partners) may also use or provide us with additional information about you that they have independently collected, from offline and online sources, to better target and provide you with more relevant and useful advertising. Some of these third parties may collect personal information about your online activities over time and across different websites. Please note that we do not control the privacy practices of these third parties, and their privacy practices are not covered by this Privacy Policy.

How can you opt-out of IBA?

In addition to the above, you may also be able to choose not to receive IBA from participating companies that participate in either:

Certain mobile devices may have an advertising identifier that allows companies to serve IBA to a specific mobile device using that identifier. Depending on your specific device, you may be able to limit advertising, sharing of that advertising identifier, or reset the advertising identifier, as well as choose to turn off the device's location tracking - including precise geolocation tracking - on your mobile device or for certain applications. See your device manufacturer to understand what options are available to you. For more details on your choices regarding use of your web browsing activity for IBA you may also visit the following sites:

networkadvertising.org, optout.aboutads.info and youradchoices.com.

Next, some of our Services may also display Do Not Sell My Personal Information or Do Not Share My Personal Informationlinks (or similarly named links), in which clicking those links may allow you to opt-out of the “sharing” or “selling” of your personal information as required by certain local privacy laws. Doing so may limit the manner in which we and our third party business partners may use your personal information in connection with IBA.

Please note that some of the options described above are browser-specific or device-specific, so you may need to opt-out again if you use a different device or change browsers. Please also note that, even if you opt-out of receiving IBA, you may still receive advertisements and marketing materials, but they may not be personalized to you specifically.


The following Consumer Privacy Disclosureapplies to you if you are an individual who resides in the United States and uses PorchPass Services for your own personal, family, or household purposes.

Last Revised: 10/20/2023




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.


The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Your contact details and demographic information.
  • Social security number, credit history, or credit scores.
  • Employment information
  • Income and assets

When you are no longerour customer, we continue to share your information as described in this notice.


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 PorchPass chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does PorchPass 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



For our marketing purposes -to offer our products and services to you



For joint marketing with other financial companies



For our affiliates' everyday business purposes - information about your transactions and experiences



For our affiliates' everyday business purposes - information about your creditworthiness


We don't share

For our affiliates to market to you


We don't share

For nonaffiliates to market to you


We don't share

To limit our sharing

  • Call 1-210-670-5553
  • Emailhello@PorchPass.com
  • our menu will prompt you through your choices or
  • Visit us online:https://www.PorchPass.com/contact. Please note that if you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.


Call our customer service at 1-210-670-5553 or visit us at https://www.PorchPass.com/contact .

Who we are

Who is providing this Privacy Policy?

This privacy disclosure is provided by PorchPass, LLC.

What we do

How does PorchPass 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.

How does PorchPass collect my personal information?

We collect your personal information, for example, when you

  • open an account or provide account information
  • give us your contact information.
  • use your PorchPass account to send or receive funds or apply or a mortgage

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 nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more information on your rights under state law.



Companies related by common ownership or control. They can be financial and nonfinancial companies.

Our affiliates include companies with a PorchPass name, including companies such as


Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Nonaffiliates with which we share personal information include service providers that perform services or functions on our behalf, e loan brokers, lenders, insurance companies and direct marketing companies.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include financial companies and banks.

Our joint marketing partners may include lenders and other third parties that provide services to our consumers in our network.

Other important information

California: The California Consumer Privacy Act of 2018 (CCPA) permits consumers who are California residents to ask businesses covered under the CCPA about personal information it has collected about the consumer, submit an access or deletion request, and opt-out of the sale of personal information, if applicable. These provisions do not apply to personal information collected, processed, shared, or disclosed by financial institutions pursuant to federal law such as the Gramm-Leach-Bliley Act. Contact us if you have questions about our privacy policy, this consumer disclosure, or your personal information. If your PorchPass account has a California mailing address, we will not share personal information we collect about you except to the extent permitted under California law.

If you are a consumer with a California mailing address, we will not share information we collect about you with companies outside of PorchPass, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits to which you are entitled.

To talk about your PorchPass account, call PorchPass Customer Service at 1-210-670-5553 or visit us at https://www.PorchPass.com/contact.

Vermont: If your PorchPass account has a Vermont mailing address, we will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.

Nevada: If your PorchPass account has a Nevada mailing address, we are providing this notice pursuant to Nevada law. If you prefer not to receive marketing calls from PorchPass, you may be placed on our internal Do Not Call List by calling 1-210-670-5553 or going to https://www.PorchPass.com/contact. Nevada law requires that we also provide you with the following contact information: 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.

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Equal Housing Lender
PorchPass, LLC NMLS # 2489505
An Equal Housing Lender.
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