JG Wentworth Consumer Privacy Notice

7. Your Privacy Rights and Choices

Your Privacy Choices. The privacy choices you may have about your personal information are determined by applicable law and are described below. 

• Email Communications. If you receive an unwanted email from us, you can use the unsubscribe link found at the bottom of the email to opt out of receiving future emails. Note that you will continue to receive transaction-related emails regarding products or Services you have requested. We may also send you certain non-promotional communications regarding us and our Services, and you will not be able to opt out of those communications (e.g., communications regarding our Services or updates to our Terms or this Privacy Policy). 
• Phone calls. If you receive an unwanted phone call from us, you may opt out of receiving future phone calls from us by following the instructions which may be available on the call or by otherwise contacting us as set forth in “Contact Us” below.
• Cookies and Personalized Advertising. When you visit our Site, information collected, such as from cookies stored on your browser, may be sold or shared to third parties. To opt out of the sale or sharing of personal information, please communicate your choice using the button below. Please note you must separately opt out in each browser and on each device.

Do Not Sell or Share My Personal Information

If you wish, you can also choose how web browser cookies are handled by your device via your browser settings. However, if you adjust your preferences, our Services may not work properly. Please note that cookie-based opt-outs are not effective on mobile applications. However, you may opt-out of personalized advertisements on some mobile applications by following the instructions for Android, iOS, and others.

The online advertising industry also provides websites from which you may opt out of receiving targeted ads from data partners and other advertising partners that participate in self-regulatory programs. You can access these and learn more about targeted advertising and consumer choice and privacy by visiting the site for the Network Advertising Initiative, and the Digital Advertising Alliance.  

8. Additional Disclosures for California Residents 

As a California resident, you may have certain rights under the California Consumer Protection Privacy Act (CCPA) (as amended by the California Privacy Rights Act (CPRA)) with respect to the personal information we collect about you.  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 section 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 US Consumer GLBA Privacy Notice. 

• • Categories of Personal Information Collected and Sources. The “Personal Information We Collect” section above identifies the categories of personal information we may have collected in the past 12 months. The “Sources of Personal Information” section above describes the sources from which we obtain such information. 
  • Purposes for Collection. We collect and use personal information for the business or commercial purposes described in the “How We Use Personal Information” section above.
  • Categories of Personal Information Disclosed and Categories of Recipients. We may have disclosed the following categories of personal information in the preceding 12 months for our business or commercial purposes to the Categories of Recipients listed below.
  • Categories of Personal Information Collected and Sources. The “Personal Information We Collect” section above identifies the categories of personal information we may have collected in the past 12 months. The “Sources of Personal Information” section above describes the sources from which we obtain such information. 
  • Purposes for Collection. We collect and use personal information for the business or commercial purposes described in the “How We Use Personal Information” section above.
  • Categories of Personal Information Disclosed and Categories of Recipients. We may have disclosed the following categories of personal information in the preceding 12 months for our business or commercial purposes to the Categories of Recipients listed below.

For more details on how your personal information is disclosed, please see the “How We Disclose Personal Information” section, which provides additional information about our disclosure of Personal Information to Affiliates, Service Providers, Business Partners, and Advertising Partners. 

We may also disclose all categories of personal information we collect: (1) to protect us or others; or (2) in the event of a merger, sale, or other asset transfer, both of which are also described in the “How We Disclose Personal Information” section.

CCPA Rights

Right to Delete. You have the right to request that a business delete any personal information about you which the business has collected from you. The CCPA provides certain exceptions to the right to have personal information deleted.

Right to Correct. You have the right to request the correction of your personal information where it is inaccurate or incomplete. In some cases, we may provide self-service tools that enable you to update your personal information.

Right to Know. You have a right to request that we disclose what personal information we have collected about you, including the categories of personal information, the categories of sources from which the personal information is collected, the business or commercial purpose for collecting, selling, or sharing personal information, the categories of third parties to whom we disclose personal information, and the specific pieces of personal information that we have collected about you.

Right to Opt Out of the “Selling” or “Sharing” of Your Personal Information. You also have the right, at any time, to opt-out if we (i) sell personal information about you to third parties or (ii) share information with third parties for purposes of cross-contextual behavioral advertising. Our online advertising practices may also involve data sharing activities that constitute “sharing for purposes of cross-contextual advertising.” More information about our business and commercial purposes for sharing this information is found in the “How We Use Your Information” above. We do not have actual knowledge of any covered “sale” or “sharing” of personal information of minors under 16 years of age.

The list below summarizes the categories of personal information disclosed that may be considered “selling” or “sharing” under California law. Each of these categories may be “sold” or “shared” with our Advertising and Analytics Partners and the Social Media Platforms we use. 

• Identifiers
• Internet/Electronic Network Activity Information
• Financial Qualification Information
• Healthcare Information
• Other Content

Right to Limit Use and Disclosure of Your Sensitive Personal Information. In some instances, you also have the right to limit the use and disclosure of certain sensitive personal information (as defined in the CCPA). Please note that, pursuant to the CCPA, this right does not extend to personal information protected by other laws including the Gramm-Leach-Bliley Act (GLBA), the Health Insurance Portability and Accountability Act (HIPAA), the Fair Credit Reporting Act (FCRA), and/or the Driver’s Licenses Protection Act. Furthermore, we do not process sensitive personal information for purposes other than those specified in Cal. Civ. Code § 1798.121.

Right to No Discrimination. You have a right not to receive discriminatory treatment for the exercise of your privacy rights.

Right to Limit Use and Disclosure of Your Sensitive Personal Information. In some instances, you also have the right to limit the use and disclosure of certain sensitive personal information (as defined in the CCPA). Please note that, pursuant to the CCPA, this right does not extend to personal information protected by other laws including the Gramm-Leach-Bliley Act (GLBA), the Health Insurance Portability and Accountability Act (HIPAA), the Fair Credit Reporting Act (FCRA), and/or the Driver’s Licenses Protection Act. Furthermore, we do not process sensitive personal information for purposes other than those specified in Cal. Civ. Code § 1798.121.

Right to No Discrimination. You have a right not to receive discriminatory treatment for the exercise of your privacy rights

Shine the Light: California’s “shine the light” law (Civil Code Section § 1798.83) permits users of our Services that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us using the information provided below. 

Data Retention: JG Wentworth retains the personal information we receive as described in this Privacy Notice for as long as necessary to fulfill the purpose(s) for which it was collected, carry out our operations, resolve disputes, establish legal defenses, conduct audits, pursue legitimate business purposes, enforce our agreements, comply with applicable laws, or based upon other criteria, including, but not limited to, the sensitivity and volume of such data.  Additionally, we endeavor to retain all such personal information in accordance with legal requirements.  Any biometric identifiers or biometric information that we collect will be deleted when it is no longer needed for the purpose it was collected or 3 years after our last interaction with a Participant, whichever occurs first.

How to Exercise Your Rights, Verification Procedures, and Authorized Agents

• How to Submit a Request to Know, Request Delete, or Request to Correct. You may submit a Request to Know, a Request to Delete, or a Request to Correct by contacting us at 1-800-715-8127 or emailing us at [email protected]. 
• How to Submit a Request to Opt Out of the “Selling” or “Sharing.” Our use of Tracking Technologies may be considered a “sale”/ “sharing” under California law. You can opt-out of being tracked by these technologies by clicking the “Your Privacy Choice” link at the bottom of our website and selecting your preferences, or by contacting us at 1-800-715-8127 or emailing us at [email protected]. Please note that even after opting out, your use of our websites may still be tracked by us or our Service Providers. 
• Authorized Agent. You may designate an authorized agent to make a request on your behalf. If you submit a request on behalf of another person as an authorized agent, we may require additional proof that you are authorized and information to verify the identity of the person for whom you are submitting a request.
• Verification. Once you submit a request, we will verify that you are the consumer to which the request pertains by matching your contact information with information we maintain. Depending on the type of request you submit, we will attempt to match either two or three of these data points you provided. If we are unable to verify your request with the data points you provided, we may reach out to you for additional information to verify your request. In some instances, we may not be able to honor your request. For example, we will not honor your request if we cannot verify your identity or if we cannot verify that you have the authority to make a request on behalf of another individual. Additionally, we will not honor your request where an exception applies, or where the personal information that we maintain about you is not subject to the CCPA’s access or deletion rights.

The CCPA includes exemptions under which the aforementioned rights may not extend to personal information protected by other laws, including the Gramm-Leach-Bliley Act (GLBA), the Health Insurance Portability and Accountability Act (HIPAA), the Fair Credit Reporting Act (FCRA), and/or the Driver’s Privacy Protection Act.