Effective: December 2022
Last Updated: December 2022

Under the California Consumer Privacy Act as amended by the California Privacy Rights Act (“CCPA”), Mariner Finance, LLC (“Mariner Finance”) is required to inform job applicants and former and current employees who reside in California about the categories of personal information Mariner Finance collects, the purposes for which that information will be used, and whether that information is disclosed, sold or shared.  This notice contains disclosures required by the CCPA and applies only to personal information that is subject to the CCPA.

For more information on Mariner Finance’s privacy policies as it concerns its customers, loan applicants, and website visitors, please visit: https://www.marinerfinance.com/resources/legal/privacy-statement/

From time to time, we may change this Privacy Policy. If we do, we will post an amended version on https://www.marinerfinance.com/why-mariner-finance/careers/. Please review this Privacy Policy periodically.

This privacy policy covers the following topics:
1. CATEGORIES OF PERSONAL INFORMATION WE COLLECT
2. CATEGORIES OF SOURCES FROM WHICH PERSONAL INFORMATION IS COLLECTED
3. BUSINESS PURPOSES FOR COLLECTING PERSONAL INFORMATION
4. TRANFERS OF PERSONAL INFORMATION
5. HOW WE PROTECT YOUR PERSONAL INFORMATION
6. YOUR RIGHTS
7. ACCESSIBILITY
8. HOW TO CONTACT US

1. CATEGORIES OF PERSONAL INFORMATION WE COLLECT
Mariner Finance collects the following categories of personal information about our job applicants and employees who are California residents:

• Sensitive Personal Information: Information that reveals social security number, driver’s license, state identification card, passport number, account log-in, financial account, debit card, racial or ethnic origin, contents of consumer email and text messages, unless the business is the intended recipient of the communication; and biometric information.
• Personal and online identifiers: Your first and last name, alias, postal address, email address, unique personal identifier, online identifiers, social security number, driver’s license, passport number, and/or other similar identifiers.
• Categories of personal information as defined in Section 1798.80(e) of the California Civil Code: Name, signature, physical characteristics or description, education, employment, employment history, social security number, passport number, driver’s license or state identification number, telephone number, address, insurance policy number, credit/debit card number, bank account number, medical information and health insurance information.
• Characteristics of protected classifications under California or federal law: Age, color, race, citizenship, national origin, marital status, disability, medical condition, request for family care leave, request for an employee’s own serious health condition, request for pregnancy disability leave, veteran or military status, and gender.
• Biometric information: Physiological, behavioral, and biological characteristics that can be used, singly or in combination with each other or with other identifying data, to establish individual identity, such as, fingerprints, or other physical patterns and video security surveillance.
• Internet or other similar network activity: Browsing history, search history, and information on your interaction with our website, application, or advertisement.
• Professional or employment related information: Current or past job history and/or performance evaluations.
• Education information
• Inferences drawn from other personal information that can be used to create a profile reflecting a person’s preferences, characteristics, psychological trends, behavior, attitudes, intelligence, abilities, predispositions, and aptitudes.

2. CATEGORIES OF SOURCES FROM WHICH PERSONAL INFORMATION IS COLLECTED

We collect the above categories of personal information directly from individuals, through recruiting entities, and from other entities such as companies that perform background checks for us.

3. BUSINESS PURPOSES FOR COLLECTING PERSONAL INFORMATION

Mariner Finance uses the personal information collected regarding our job applicants and employees for our business purposes.  These business purposes include, without limitation:

• To comply with state and federal law(s) requiring businesses to collect, monitor, maintain or transfer certain records regarding applicants or applications for employment or contract work, including demographic characteristics and to respond to law enforcement requests as required by applicable law;
• To have you fill out applications and forms associated with your prospective employment;
• To assess ability, fitness or eligibility of applicant to fulfill or perform prospective job duties and work in relevant corporate location and environment;
• To perform audits related to Mariner Finance’s interactions with job applicants;
• To detect and protect against security incidents, fraud, and illegal activity;
• To debug to identify and repair errors that impair existing intended functionality;
• To schedule travel, and pay for or reimburse job applicants for covered business expenses related to the job application or interview or similar expenses;
• To maintain and protect the rights, security and safety of job applicants, our personnel, clients and others, as well as our facilities, premises and other property;
• To perform services on behalf of Mariner or one of its service providers by providing job applicants with information, products or services related to the job opportunity or that they request from us and with notices or announcements concerning our business operations, opportunities, or policies that may be relevant and/or of interest to them;
• To fulfill or meet the reason for which the information was provided to us by the job applicant;
• To perform internal research for technological improvement and to use in activities to verify or maintain the quality or safety of Mariner Finance’s services, and to improve, upgrade, or enhance such services;
• To process payroll;
• To perform a background check;
• To verify your ability to work in this country;
• To identify you as a veteran;
• To have you acknowledge your agreement to certain company policies;
• To enroll you in any applicable wellness program;
• To administer and maintain benefits, including group health insurance;
• To the extent applicable, administer and maintain your retirement account;
• For emergency contact purposes;
• To track time and attendance at work;
• To manage workers’ compensation claims;
• To manage your job-related performance;
• To grant and monitor your access to secure company facilities;
• To engage in corporate transactions requiring review of employee records and information such as for evaluating potential mergers and acquisitions;
• To review web traffic and events, monitor for virus attacks and web content, and determine bandwidth consumption;
• To maintain commercial insurance policies and coverages, including for workers’ compensation and other liability insurance; and
• To perform call monitoring and surveillance (e.g., CCTV).

4. TRANFERS OF PERSONAL INFORMATION

We do not transfer your personal information to third parties as that term is defined in the CCPA. However, we do transfer your personal information to service providers and contractors who perform services on our behalf. For example, we transfer personal information to payroll service providers to pay you. We have disclosed the categories of personal information identified in Paragraph 1 for the business purposes identified in Paragraph 3.

We do not knowingly collect or sell the personal information of minors under 16 years of age.

5. HOW WE PROTECT YOUR PERSONAL INFORMATION

Mariner Finance protects personal information by implementing and maintaining reasonable security, such as by using reasonable organizational, technological and physical safeguards appropriate to the sensitivity of the personal information held. Mariner Finance takes commercially reasonable measures to safeguard personal information but cannot guarantee its absolute security.

6. YOUR RIGHTS

Right to Access to Specific Information

California residents have the right to request that we disclose certain information about our collection and use of your personal information. Once we receive and confirm your verifiable consumer request, we will disclose to you:

•  The categories of personal information we collected about you.
•  The categories of sources for the personal information we collected about you.
• Our business purpose for collecting or selling that personal information.
• The categories of third parties to whom we disclosed, sold or shared that personal information (if applicable).
• The specific pieces of personal information we collected about you.
• The categories of personal information that we disclosed, sold or shared about you (if applicable).

Right to Correct Personal Information

You have the right to request that we correct any inaccurate personal information, taking into account the nature of the personal information and the purposes of the processing of the personal information. Upon receiving a verifiable request to correct inaccurate personal information, we shall use commercially reasonable efforts to correct the inaccurate personal information as directed by you.

Right to Deletion

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies. We will also ensure that all deletion requests are passed along to applicable third parties, contractors, and services providers, unless an exception applies.

Please note, however, that we may deny your deletion or correction request if retaining the information is necessary for us or our service providers to:

(i) maintain the personal information pursuant to federal, state, or local law or regulation;

(ii) complete the transaction for which the personal information was collected;

(iii) any requests to delete any information created by Mariner concerning an applicant or employee; and

(iv) any requests to correct internal Mariner employment reviews, processes, or similar information.

Right to Limit Use and Disclosure of Sensitive Personal Information

You have the right, at any time, to direct us to limit the use and disclosure of sensitive personal information. Upon receiving a verifiable request to limit the use and disclosure of sensitive personal information, we shall use commercially reasonable efforts as directed by you.

Right to Opt-Out of Sales and Sharing

You have the right, at any time, to direct us not to sell or share your personal information to a third party. Mariner does not currently sell or share personal information covered by this privacy policy. However, you may exercise your right to opt out of sales in the event that Mariner subsequently decides to sell personal information that is subject to the CCPA. If Mariner elects in the future to sell personal information and if we at any time receive direction from you not to sell your personal information, we will not sell your personal information that is subject to the CCPA, as amended, if any, unless you subsequently provide express authorization for such sales.

Exercising Your Rights

To exercise your access and, correction, deletion, and limitation of use and disclosure rights described above, please submit a verifiable request to us by either:

• Calling us at 877-310-2373, select option 3. Available Monday through Friday, 8:30 am EST to 5:00 pm EST, excluding observed holidays.
• Filling out an online request at any time by clicking HERE.

To exercise your right to opt-out of the sale or sharing of your personal information to a third party, please call us at 877-310-2373, select option 3 or click the following link: Do Not Sell or Share my Personal Information and/or Limit the Use of My Sensitive Personal Information.

If you are submitting a request on behalf of a California resident, please submit the request through one of the designated methods discussed above. Please attach a written authorization signed by the California resident authorizing you to make the request on their behalf.

You may only make a verifiable request for access or data portability twice within a 12-month period. The verifiable request must:

• Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
• Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

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

Response Timing and Format

We endeavor to respond to a verifiable request within forty-five (45) calendar days of its receipt. If we require more time (up to ninety (90) days), we will inform you of the reason and extension period in writing. If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data access requests, we will select a format technically feasible to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable request unless it is manifestly unfounded or excessive, for example, because of a repetitive nature. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights.

Length of Time Personal Information is Retained

We will not retain your personal information or sensitive personal information for longer than is reasonably necessary for the disclosed collection or use purpose. Our retention of personal information also is subject to state and federal legal requirements.

7. ACCESSIBILITY
We are committed to ensuring this notice is accessible to individuals with disabilities.  If you wish to access this notice in an alternative format, please contact us at careers@marinerfinance.com.

8. HOW TO CONTACT US

If you have any questions or comments regarding this privacy policy, please contact us at 877-310-2373, select option 3.