Deserve Privacy Policy

Privacy Policy 
Effective 19th May 2021

This Privacy Policy (“Policy”) describes the ways Deserve, Inc. (referred herein as “we”,  “us”, “our”) or our affiliates collect, protect, use and store your personal information. You  accept this Privacy Policy by using our products and services (collectively “Services”) on  our Website or through any other means. We may amend this Policy at any time by  posting a revised version on our website (“the Site”). We will attempt to give a reasonable  notice period upon making any changes; however, unless otherwise stated, the revised  version will be effective at the time we post it. This Privacy Policy is incorporated into the  Terms of Use by this reference. 

By using our Services, you are consenting to our processing of your Personal Information  and data as set forth in this Policy now and as amended. As used herein, “processing”  means using or accessing information in any way, including but not limited to collecting,  storing, deleting, combining, and disclosing information. Our servers are located in the  United States. Accordingly, if you reside outside the U.S., by using the Services, you  acknowledge and agree that your Personal Information will be transferred to the United  States and processed and stored in the United States. By using our Services, you  understand that your information may be transferred to our facilities and those third  parties with whom we share it as described in this Policy. 

Our Services contain links to other websites. The fact that we link to a website is not an  endorsement, authorization, or representation of our affiliation with that third party. We  do not exercise control over third party websites. These other websites may place their  own cookies or other files on your computer, collect data, or solicit personally identifiable  information from you. Other sites follow different rules regarding the use or disclosure  of the personally identifiable information you submit to them. We encourage you to read  the privacy policies or statements of every website you visit. 


 To help the government fight the funding of terrorism and money laundering activities,  federal law requires all financial institutions to obtain, verify, and record information that  identifies each person who opens an account. What this means for you: when you open  an account, we will ask for your name, address, date of birth, and other information that  will allow us to identify you. We may also ask to see your driver’s license or other  identifying documents. 


Information We Often Request 

The types of personal information we collect depends on the products and services you  use. It may include: 

  • Your contact information such as your name, address, phone, and email; 
  • Information that we use to verify your identity, make decisions about your credit card  application, or manage risk such as your date of birth, social security number (if  applicable), your financial history, your identity, and program eligibility;
  • Information about your education, such as the school in which you are enrolled, degree  sought, major of field of study, recent test scores, educational references and your  personal interests or characteristics; 
  • Information needed for us to process your payments, such as your bank account  numbers and similar information; 
  • Information about your income and/or assets, including your employment, US Form I 20, domestic bank statements or other financial documentation; and 
  • Information about you collected when you visit the Site, including the information  submitted by you or our other customers when interacting with the Site’s features and  using its online communication features 

Information You Provide Upon Registration 

If you desire to access certain parts of the Services, you will be required to become a  registered user and to submit certain Personal Information to Personal  Information that we may collect in such instances may include your full name, email  address, mailing address, telephone number, date of birth and other information that you  provide us with as part of the credit card application. Additionally, we may request that  you upload a copy of your official passport/national identity card, a copy of your financial  statement issued by a US bank, and/or a copy of your US I-20 Form and US Student Visa  which are issued by the U.S. Department of Homeland Security in order to verify your  identity, program eligibility, and ability to repay debt. We may also ask our users to  generate a new personal identification number (PIN) or password to access our Services.  In general, we may use any information provided by you to verify your identity or as part  of a credit application or other business processes. 

Information Deserve Learns From Your Use of our Services or Access of the Site  When you visit the Deserve website or use the Services, we may collect information from  your computer, mobile phone, or similar device. This information may include your IP  address and device information including but not limited to identifier, device name and  type, operating system, location, mobile network information, and standard web log  information such as your browser type, traffic to and from our website, the pages you  accessed on our website, and any other available information. We may also collect  information about your use and interaction with our website, application, or Services. For  example, we may evaluate your computer, mobile phone, or other access device for  indicators of fraud, or analyze your website clicks to assess your interest in our specific  product terms. When you use our Services, we may also store information based on your  usage history. This includes but is not limited to details of your purchases, content you  viewed, event information, referring sites or click stream information, and web “cookies”  or “tokens” that may uniquely identify your browser, device, or your account. We may  also collect information about you from any contact you have with any of our employees,  our customer support team, or through surveys, or through interactions with our agents  and/or affiliates. 

Location Data may receive varying degrees of location information from Social Media  Services (as defined below) that you enable within our Service and also (with your  permission) from your computing devices (“Location Data”). For example, we may collect  and use location data (e.g., GPS or IP-based geography detection) to screen for fraudulent  activity or to verify self- reported information (for example, to verify you reside in a certain city or near a university in which you are enrolled) and to customize the Service  to make it more relevant to you (for example, to send newsletter information that may be  of interest to you). 

Server Log Data 

When you interact with the Site or use our Services, our servers automatically receive  and store certain personally non-identifiable information (“Log Data”). This Log Data is  collected passively and may include (but is not limited to) information such as your IP  address, browser type, mobile phone type, software settings/configurations, or the  domain from which you are visiting, the Site pages you visit, the search terms you use,  and any advertisements on which you click. We use Log Data and analytics-based  observations to provide you with the Services (for example, to send an SMS to your  mobile device) and we may pool Log Data with other information to monitor the use of  the Services, and for the technical administration of the Services. If we are asked to  comply with a subpoena or other legal demand or where we suspect that there has been  a violation of our policies, then we will associate your IP address with any other Personal  Information to identify you personally, according to our Terms of Use and/or applicable  laws. 

Cookies and Anonymous Identifiers 

Like many websites and services, we also may use “cookie” technology to collect  additional Site usage data and to improve the Site and Services and related offers. A  cookie is a small data file that we transfer to your computer’s hard disk. Deserve may use  both session cookies and persistent cookies (known as “persistent tokens”) to better  understand how you interact with the Site and our Services, to monitor aggregate usage  by our users and web traffic routing on the Site, and to improve the Site and our Services.  A session cookie or security token enables certain features of the Site and Services and is  often (but not always) deleted from your computer when you disconnect from or leave  the Site. A persistent token will likely remain after you close your browser and may be  used by your browser on subsequent visits to the Site. Persistent tokens can be removed  by following your web browser help file directions. Most Internet browsers automatically  accept cookies. You can instruct your browser, by editing its options, to stop accepting  cookies or to prompt you before accepting a cookie from the websites you visit. 

We may, or our Partners or Affiliates may, also deliver a file (known as a “web beacon”)  from an ad network to you through the Services. Web beacons allow ad networks (and  other websites) to provide anonymized, aggregated auditing, research, and reporting for  us and for advertisers. Web beacons also enable ad networks to send targeted  advertisements to you when you visit other websites. Because your web browser must  request these advertisements and web beacons from the ad network’s servers, these  companies can view, edit, or set their own cookies, just as if you had requested a web  page from their sites. 

Payment Information 

Deserve or its Partners or Affiliates may collect payment information such as a valid  credit card number, type, and expiration date, or other financial information such as a  routing & account number for check payments. Payment information is collected and  stored by our third-party payment processing company (the “Payment Processor”) and  such use and storage of the information is governed by the Payment Processor’s 

applicable Terms of Use and Privacy Policy. Our payment processor is CoreCard  ( 

Bank Access/Login Credentials 

Prior to establishing a Deserve account or after a Deserve account is established, or both,  we invite Deserve account holders enter certain login credentials (such as a username  and password) for certain online account types (for example, credit cards, debit cards, or  traditional bank accounts) in order to verify identity. These credentials provide Deserve  with consistent and reliable access to each financial account. Deserve uses such access to  monitor and assess account holder’s ability to repay debt or counter fraud. 

Contacts Information 

If you allow Deserve to access the contacts/address book on your phone or other services  (such as email) through the permission system used by your mobile platform, Deserve  may access and store names and other contact information from your address book to  facilitate social interactions through our Services and execute our referral program.  Access to contacts may be requested as part of a customer referral program or validation  of self-reported information. 

Credit Card Transaction Information 

We collect transaction details related to your use of our Services, including the type of  service requested, date and time the service was provided, amount charged, locations,  distance traveled, and other related transaction details. Additionally, if someone uses  your customer referral code, then we may associate your name with that person. 

Aggregated Personal Data 

In an ongoing effort to better understand and serve the users of the Services, Deserve  often conducts research on our customer demographics, interests, and behavior based on  the information provided to us. This research may be compiled and analyzed on an  aggregate basis and Deserve may share this aggregated data with our marketing affiliates,  agents, and business partners. This aggregated information does not identify you  personally. Deserve may also disclose aggregated user statistics in order to describe our  services to current and prospective business partners and to other third parties for other  lawful purposes. 

Information Obtained From Third Parties 

We may obtain information about you from third parties such as credit bureaus, the U.S.  Department of Homeland Security, student enrollment verification services, and identity  verification services. You may choose to provide us with access to certain personal  information stored by third parties such as social media websites and services (“Social  Media Services”) or banking websites. The information we have access to varies by site  and is controlled by your privacy settings on that site and your authorization. By  associating an account managed by a third party with your Deserve account and  authorizing Deserve to have access to this information, you agree that Deserve may  collect, store, and use this information in accordance with this Policy. 

Usage and Preference Information 

We collect information regarding how you and other site visitors use and interact with  our Services, including preferences expressed, and settings chosen. In some cases, we do 

this through the use of cookies, pixel tags, and similar technologies that create and  maintain unique identifiers. 


Deserve stores and processes your information while maintaining physical, electronic,  and procedural safeguards of its Site and Systems. We maintain physical security  measures to guard against unauthorized access to systems and use electronic safeguards  such as firewalls and data encryption. We authorize access to personal information only  for those authorized employees with a business need to have access to personal  information. 


Deserve uses the Personal Information you provide in a manner that is consistent with  this Policy. We may use your information, including non-public personal information as  follows: 

To provide, maintain, and improve our Services; To provide inputs to our credit  underwriting system and to assess creditworthiness of credit card applicants; To provide  and deliver the products and services you request, process transactions and send you  related information, including confirmations; To verify your identity and prevent fraud  or unauthorized access; Send you technical notices, updates, security alerts and support  and administrative messages; To respond to your comments, questions, and requests,  and provide customer service; To communicate with you about products, services, offers,  promotions, incentives, and events offered by Deserve and others, and provide news and  information we think will be of interest to you; To monitor and analyze trends, usage, and  activities in connection with our Services; To comply with legal obligations; To  personalize and improve the Services and provide advertisements, content, or features  that match user profiles or interests; To process and deliver contest or promotion entries  and incentives; To link or combine it with the information we receive from others to help  understand your needs and provide you with better service; and to carry out any other  purpose for which the information was collected. 

If you contact us by email, we may keep a record of your contact information and  correspondence, and may use your email address, and any information that you provide  to us in your message, to respond to you. In addition, we may use your contact  information to market to you and provide you with information about our products and  services and the products and services of our partners that we believe may be of interest  to you. If you decide at any time that you no longer wish to receive such marketing  information or communications from us, please follow the unsubscribe instructions  provided in any of our communications. 

In an ongoing effort to better understand and serve the users of our Services, Deserve  occasionally conducts separate research efforts on its customer demographics, interests,  and behavior based on the Personal Information and other information provided to us.  This research may be compiled and analyzed in the aggregate and Deserve may share this  aggregated data with its affiliates, agents and business partners. This aggregated  information does not identify you personally. Deserve may also disclose aggregate user  statistics in order to describe our Services to current and prospective business partners,  and to other third parties for other lawful purposes.


At times Deserve may provide third parties with certain personal information to provide  or improve our products and services, including to deliver products at your request, or to  help Deserve market to consumers. When we do, we require those third parties to handle  it in accordance with relevant laws. Personal information will never be shared with third  parties for their marketing purposes. 

Information Sharing and Disclosure 

We consider your information to be a vital part of Deserve’s relationship with you and,  accordingly, we do not share it unnecessarily. There are, however, certain circumstances  in which we may share your Personal Information with certain third parties without  further notice to you, as outlined below. 

To enable our Service Providers 

Deserve shares personal information with companies who provide services such as  information processing, extending credit, fulfilling customer orders, managing and  enhancing customer data, providing customer service, assessing your interest in our  products and services, and conducting customer research or satisfaction surveys. These  companies are obligated to protect your information and may be located wherever  Deserve operates. 

To process payments and services related to your Deserve Account 

If we collect credit card information for payments, or other financial information related  to payments, then that information will be collected and stored by our Payment  Processor. We will from time to time request and receive your financial information from  our Payment Processor for the purposes of completing transactions you have initiated  through the Services, assessing credit risk, processing invitations to apply for increased  credit limits, or enrolling you in such other programs in which you elect to participate,  identifying or researching possible fraudulent transactions, and otherwise as needed to  manage our business. 

To enable Social Media Services and related data collection 

You can choose to access certain third party communication tools or Social Media  Services through our Services When you choose to do so, you will be sharing information with those Social Media Services, and the information you share will be governed by their  privacy policies and Terms of Use. You may also be able to modify your privacy settings  with these Social Media Services to, for example, control what information the Social  Media Services disclose to third parties such as Deserve. When you add Social Media  Service accounts to the Service or log into the Service using your Social Media Services  account, we will collect relevant information necessary to enable our Services and access  that Social Media Service. In all cases, you will provide your login information, such as  your username and password, directly to the Social Media Service and not to Deserve. As  part of such integration, the Social Media Service will provide Deserve with access to  certain information that you have provided to the Social Media Service, and Deserve will  use, store and disclose such information in accordance with this Privacy Policy and, if and  to the extent applicable, the policies of such Social Media Services. However, please  remember that the manner in which Social Media Services use, store and disclose your  information is governed by the policies of such third parties and Deserve shall have no liability or responsibility for the privacy practices or actions of any Social Media Services  that may be enabled with or accessed through the Service. 

Disclosures for Legal Purposes 

It may be necessary − by law, legal process, litigation, and/or requests from public and  governmental authorities within or outside your country of residence − for Deserve to  disclose your personal information. We may also disclose information about you if we  determine that for purposes of national security, law enforcement, or other issues of  public importance, disclosure is necessary or appropriate. We may also disclose  information about you, but only where there is a lawful basis for doing so, if we determine  that disclosure is reasonably necessary to enforce our terms and conditions or protect  our operations or users. This could include providing information to public or  governmental authorities. Additionally, in the event of a reorganization, merger, or sale  we may transfer any and all personal information we collect to the relevant third party. 


Selling Information to Third Parties. 

We do not sell or rent your personal information to third parties. 


Your Right to Opt Out 

If you no longer wish to receive notifications (such as SMS or email messages) about our  Services, you may change your notification preferences by emailing Alternatively, you may be able to indicate your preference by  logging into your Deserve account and adjusting your preferences or by following the  directions provided with the communication. Deserve reserves the right to close your  account should you opt out of the critical notices that are required to perform our  Services. 

Your Right to Access 

You can review and edit your personal information at any time by logging in to your  account on Deserve’s Website or by contacting us at You can also  request to close your account with Deserve by contacting us at 1.800.418.2362. If you  close your Deserve account, we will mark your account in our database as “Closed,” but  will keep your account information in our database to comply with our legal obligations.  This is necessary in order to deter fraud, by ensuring that persons who try to commit  fraud will not be able to avoid detection simply by closing their account and opening a  new account. If you close your account, your personally identifiable information will not  be used by us for any further purposes, nor sold or shared with third parties, except as  necessary to prevent fraud and assist law enforcement, as required by law or in  accordance with this Privacy Policy. 

Learn about State Laws 

This Privacy Policy may not constitute your entire set of privacy rights, as these may vary  from state to state. For example, California Civil Code Section § 1798.100 permits  California residents who are users of the Deserve site to request certain information  regarding the disclosure of personal information to third parties for direct marketing 

purposes. To make such a request, please send an email to To be  certain of your privacy rights, you may wish to contact the agency in your state that is  charged with overseeing consumer privacy rights. 

European Union General Data Protection Regulation (EU GDPR) 

The aim of the GDPR is to protect the “personal data” of EU citizens – including how their  personal data is collected, stored, processed and destroyed. The meaning of “personal  data” under the GDPR currently exceeds how similar terms are defined in the U.S.  Deserve, Inc. accepts and reviews all applicants for credit. This should be in the  Cardholder Agreement as that covers the issuance of the credit card. 

Contacting Deserve

Deserve may update its Privacy Policy from time to time. When we change the Policy in a  material way, a notice will be posted on our website along with the updated Privacy  Policy. We will also contact you via your contact information on file, for example by email,  notification or some other equivalent method. If you have questions or concerns  regarding this Privacy and Security Policy, please contact us at or  call 1.800.418.2362. 


This PRIVACY NOTICE FOR CALIFORNIA RESIDENTS supplements the information  contained in the U.S. Online Privacy Notice of Deserve and its subsidiaries (collectively,  “we,” “us,” or “our”) and applies solely to visitors, users, and others who reside in the  State of California (“consumers” or “you”). 

We adopt this notice to comply with the California Consumer Privacy Act of 2018  (“CCPA”) and other California privacy laws. Any terms defined in the CCPA have the same  meaning when used in this notice. 

Information We Collect 

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 have collected the  following categories of personal information from consumers within the last twelve (12) months:

A. Identifiers.

A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers.


B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).

A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.


C. Protected classification characteristics under California or federal law.

Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).


D. Commercial information.

Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.


F. Internet or other similar network activity.

Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.


E. Biometric information.

Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.


F. Internet or other similar network activity.

Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.


H. Sensory data.

Audio, electronic, visual, thermal, olfactory, or similar information.


I. Professional or employment related information.

Current or past job history or performance evaluations.


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)).

Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.


K. Inferences drawn from other personal information.

Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.


Personal information does not include: 

  • Publicly available information from government records. 
  • De-identified or aggregated consumer information. 
  • Information excluded from the CCPA's scope, like: 

o health or medical information covered by the Health Insurance Portability and  Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical  Information Act (CMIA) or clinical trial data; 

o personal information covered by certain sector-specific privacy laws, including the  Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California  Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act of  1994. 

We obtain the categories of personal information listed above from the following  categories of sources: 

  • Directly from our customers or credit applicants. For example, from documents that  our customers or credit applicants provide to us related to the services for which they  engage us. 
  • Indirectly from our customers or credit applicants. For example, through information  we collect from our customers or credit applicants in the course of providing services  to them. 
  • Directly and indirectly from activity on our website ( For example,  from submissions through our website portal or website usage details collected  automatically. 
  • From third-parties that interact with us in connection with the services we perform.  For example, upon consent and granting of permissible purpose, we obtain credit  reports from credit bureaus in order to evaluate creditworthiness. 

Use of Personal Information 

We may use or disclose the personal information we collect for one or more of the  following business purposes: 

  • To fulfill or meet the reason for which the information is provided. For example, if you  provide us with personal information in the course of applying for credit, we will use  that information to verify your identity and throughout the credit underwriting  process. 
  • To provide you with information, products or services that you request from us. 
  • To provide you with email alerts and other notices concerning our products or  services, or events or news, that may be of interest to you. 
  • To carry out our obligations and enforce our rights arising from any contracts entered  into between you and us, including for billing and collections.
  • To improve our website and present its contents to you. 
  • For testing, research, analysis and product development. 
  • As necessary or appropriate to protect the rights, property or safety of us, our clients  or others. 
  • To respond to law enforcement requests and as required by applicable law, court  order, or governmental regulations. 
  • As described to you when collecting your personal information or as otherwise set  forth in the CCPA. 
  • To evaluate or conduct a merger, divestiture, restructuring, reorganization,  dissolution, or other sale or transfer of some or all of our assets, whether as a going  concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal  information held by us is among the assets transferred. 

We will not collect additional categories of personal information or use the personal  information we collected for materially different, unrelated, or incompatible purposes  without providing you notice. 

Sharing Personal Information 

We may disclose your personal information to a third party for a business purpose. When  we disclose personal information for a business purpose, we enter a contract that  describes the purpose and requires the recipient to both keep that personal information  confidential and not use it for any purpose except performing the contract. In the preceding twelve (12) months, we have disclosed the following categories of  personal information for a business purpose: 

Category A: Identifiers. 

Category B: California Customer Records personal information categories.  

Category C: Protected classification characteristics under California or federal law.  Category D: Commercial information. 

Category F: Internet or other similar network activity Category 

G: Geolocation data Category 

I: Employment related information


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

  • Our affiliates. 
  • Service providers. 
  • Third parties to whom you or your agents authorize us to disclose your personal  information in connection with products or services we provide to you. 

In the preceding twelve (12) months, we have not sold any personal information. 

Your Rights and Choices 

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

Access to Specific Information and Data Portability Rights 

You have the right to request that we disclose certain information to you about our  collection and use of your personal information over the past 12 months. 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 or commercial purpose for collecting or selling that personal  information. 
  • The categories of third parties with whom we share that personal information. 
  • The specific pieces of personal information we collected about you (also called a data  portability request). 
  • If we sold or disclosed your personal information for a business purpose, two separate  lists disclosing: 

o sales, identifying the personal information categories that each category of  recipient purchased; and 

o disclosures for a business purpose, identifying the personal information categories  that each category of recipient obtained. 

Deletion Request Rights 

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 consumer request, we will delete (and direct our service  providers to delete) your personal information from our records, unless an exception  applies. We may deny your deletion request if retaining the information is necessary for  us or our service providers to: 

  1. Complete the transaction for which we collected the personal information, provide a  good or service that you requested, take actions reasonably anticipated within the  context of our ongoing business relationship with you, or otherwise perform our  contract with you. 
  2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal  activity, or prosecute those responsible for such activities. 
  3. Debug products to identify and repair errors that impair existing intended  functionality. 
  4. Exercise free speech, ensure the right of another consumer to exercise their free  speech rights, or exercise another right provided for by law. 
  5. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code §  1546 seq.). 
  6. Engage in public or peer-reviewed scientific, historical, or statistical research in the  public interest that adheres to all other applicable ethics and privacy laws, when the  information's deletion may likely render impossible or seriously impair the research's  achievement, if you previously provided informed consent. 
  7. Enable solely internal uses that are reasonably aligned with consumer expectations  based on your relationship with us. 
  8. Comply with a legal obligation. 
  9. Make other internal and lawful uses of that information that are compatible with the  context in which you provided it.

Exercising Access, Data Portability, and Deletion Rights 

To exercise the access, data portability, and deletion rights described above, please  submit a verifiable consumer request to us by either: 

US Postal Mail to: 
Deserve, Inc 
Attn: Privacy  
PO Box 57780 
Murray, UT 84157; or 
Email us at 
Call us at 1.800.418.2362

Only you or a person registered with the California Secretary of State that you authorize  to act on your behalf, may make a verifiable consumer request related to your personal  information. 

You may only make a verifiable consumer request for access or data portability twice  within a 12- month period. The verifiable consumer 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 consumer request does not require you to  create an account with us. We will only use personal information provided in a verifiable  consumer request to verify the requestor's identity or authority to make the request. 

Response Timing and Format 

We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If  we require more time (up to 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 consumer request's receipt. The response we  provide will also explain the reasons we cannot comply with a request, if applicable. For  data portability requests, we will select a format 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 consumer request unless  it is excessive, repetitive, or manifestly unfounded. 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. 


We will not discriminate against you for exercising any of your CCPA rights. Unless  permitted by the CCPA, we will not:

  • Deny you goods or services. 
  • Charge you different prices or rates for goods or services, including through granting  discounts or other benefits, or imposing penalties. 
  • Provide you a different level or quality of goods or services. 
  • Suggest that you may receive a different price or rate for goods or services or a  different level or quality of goods or services. 

Changes to Our U.S. Online Privacy Notice and this State-Specific Notice 

We reserve the right to amend this privacy notice at our discretion and at any time. When  we make changes to this privacy notice, we will post the updated notice on our Website  and update the notice’s effective date. When we change the policy in a material way, a  notice will be posted on our website along with the updated Privacy Policy. We will also  contact you via your contact information on file, for example by email, notification or  some other equivalent method. Your continued use of our Website following the posting  of changes constitutes your acceptance of such changes. 

Contact Information 

If you have any questions or comments about this notice, our Privacy Statement, the ways  in which we collect and use your personal information, your choices and rights regarding  such use, or wish to exercise your rights under California law, please do not hesitate to  contact us at:

Phone: 1.800.418.2362 
Postal Address: Deserve, Inc  
Attn: Privacy 
PO Box 57780, Murray, UT 84157

Electronic Consent Policy

Revised 11/1/2022

Deserve Electronic Consent Policy

Under the federal E-SIGN Act , with your consent, Deserve (hereinafter also “We” “Us” or “Company”) can deliver information and required disclosures to you electronically (“electronic communication”) and can use electronic records and electronic signatures in connection with your transactions with us.

Deserve’s program is focused on web-based efficiencies. It does not offer a non-electronic application process (e.g., paper or by telephone). Therefore, please review the terms of this Electronic Consent Policy prior to giving your consent, and retain a copy of this document, as well as all other electronic communication for your records.

By clicking the “I Accept” box, you are providing consent for Deserve to provide information including required disclosures to you electronically. This consent for electronic communication delivery applies to all required disclosures regarding the application process and, if your application is approved, a credit card account and other services you have with us during a customer relationship. Your consent is effective until withdrawn by you.

Agreeing to accept information and disclosures electronically means that once we present them to you, and, if required, that you accept them, they will apply to you and your account with us.

To better understand this and related issues, below we provide additional information on consent and effect of withdrawal; our Privacy Notice and opting-out/limiting receipt of certain information. 

You agree that we may contact you using any technology and methods of our choice. This includes using an automated telephone dialing system or other similar system to contact you by email, text message, device-level notification, or other electronic notification method supported by the software you use to access your Account. We may use any telephone numbers (including wireless, landline and voice over IP numbers) or email addresses that you give to us. You understand and agree that anyone with access to your telephone, email account or computer may listen to or read the messages that we leave or send you. You agree that we will not be liable for any charges that you incur in connection with emails, text messages, device level notifications or other communications that we or our agents and representatives send to you. 

In order to proceed with the application process you must consent to electronic delivery of information and disclosures. If you do not want to consent to electronic delivery of information/disclosures, you will not be able to proceed with the application process. This consent applies to all documents made available as part of the customer relationship, and can include, but is not limited to:

  • Disclosures or notifications required under applicable laws and regulations 
  • Periodic statements 
  • Consents 
  • Policies 
  • Changes in terms 
  • Adverse action or approval notices 
  • Application status notices, including updates and requests for application documentation 
  • USA PATRIOT Act Notice 
  • General Information 
  • Website and Application Terms of Use 
  • Deserve Card Products Terms and Conditions (Cardholder Agreements) 
  • AutoPay Notice (A credit card payment feature.) 
  • Privacy Policy and Privacy Notice 

We reserve the right to send Disclosures and other information to you in paper form, but doing so will not negate your consent herein or require us to send paper documents at any other time in the future.

Updating Your Contact Information

To ensure that you receive and have access to electronic information, you will need to keep your contact information (email address, phone number, physical address, and any other information necessary to contact you) current with us. 

To update your contact information, please call us at (800) 316-7258 or log on to your account and follow the procedures indicated in your account setting. If you do not update/maintain your contact information, thus possibly precluding Deserve from communicating with you, you agree not to hold Deserve liable for any loss or damage that may result.

In order to agree to this Consent Statement and receive electronic communications, you must provide and maintain with us with a valid and working email address for yourself. This email address is referred to as the “Servicing Email Address.” You agree that we may use the email address you have provided us for use with the Card as the Servicing Email Address for that Card. You agree that the email address we use as the Servicing Email Address will at all times be a valid and working address, and that you will provide us with a new email address to use as the Servicing Email Address if you cease using the email address previously designated as the Servicing Email Address or if you learn it no longer properly operates or if you can no longer access it. Additionally, you agree that if the Servicing Email Address most-recently provided to Deserve does not appear to be valid or working, we may contact you via legally permissible means (including via mail to the physical address and phone call to the telephone number(s) you have provided to us to request update of the Servicing Email Address. We reserve the right to suspend or terminate your Card in the event that the Servicing Email Address ceases to be a valid or working email address. If at any time the Servicing Email Address is an address shared with another person or entity, you agree that the Company may attribute to you receipt of any electronic communications sent to that email address even if another person receives them, does not provide you with notice about them, or deletes them. You agree to instruct any person who shares or has access to the Servicing Email Address to promptly show you electronic communications sent to that email address.

Withdrawal of Consent and Request to Receive Paper Documents

You can withdraw your consent to electronic delivery at any time after your card application, but doing so will not affect the legal effectiveness, validity or enforceability of the electronic information/documents that were provided to you before your withdrawal became effective. If you wish to withdraw your consent, you may do so by calling us at (800) 316-7258. You will need to provide your full name, resident address, email address, and phone number associated with your application or account. 

Any withdrawal of your consent to receive electronic communications will be effective only after the Company has had a reasonable period of time in which to process your withdrawal request. If you choose to withdraw consent, the option to electronically download documents and records from the website in addition to receiving statements and notice via USPS shall remain. 

Should you decide to withdraw your consent after beginning the application process and before a decision on the application can be made (e.g., not completing the application process or not submitting all required documentation/information to complete your application), you agree to allow us to maintain your email address for the purpose of forwarding any required decision and notice. For example, federal regulations require that financial institutions, such as Deserve, provide applicants with a decision on a credit lending application within 30 days of receiving a completed application. A withdrawal of your consent may result in adverse action on an application or account you have with us, inability to use or access certain Company products, features, or services, and other outcomes set forth in your cardholder agreement. 

To request paper copies of electronic communications, please contact us at (800) 316- 7258. Please note that Deserve may implement a service charge of up to $5 for each active account month in which you request to receive paper statements and disclosures.


Deserve reserves the right to amend and update this Policy at any time, with or without notice to you. However, if changes are material or affect your ability to access your account information, we will notify you by electronic or other means.

Retaining Your Documents

You will need a printer or long-term computer or other storage device to retain the Disclosures we provide during the application process and customer relationship period, if approved. As a back-up, we encourage you to print or save the Disclosures for your records and future reference.

Hardware and Software System Requirements

As noted above, electronic communications will be provided throughout the Application and customer relationship period, if your application is approved. Given that you have access to this and other documents, application, forms, and pages via the Internet, it is likely that you are already using the necessary hardware and software needed to meet access requirements. 

To consent to this Policy and receive information and disclosures, you will need the following: 

  • A computing device such as a desktop, laptop, tablet, mobile phone or similar computing device 
  • A connection to the internet with a modem or other method of access (e.g. public access) 
  • A contract with an Internet Service Provider (“ISP”) in order to connect to the internet 
  • Internet browser software such as Mozilla Firefox, Google Chrome, or Apple Safari to access these Disclosures 

Your internet browser software must be able to use 256-bit encryption to enable Secure Sockets Layer (SSL) Adobe® Acrobat Reader® 4.0 or higher (or another program providing similar functionality) is required to open and/or save a portable document format (PDF). To confirm that you can access a document in a PDF format, please click here. If you cannot access the document, you need to obtain the necessary Adobe software that can be downloaded at no cost on Adobe’s website at. If you click on this link, another browser window will open and you will be directed to Adobe’s website. If you ever have trouble accessing, receiving, or retaining electronic communications, check the Systems Requirements above or contact us at

Your Consent 

You confirm all of the following to us: (1) the computing, mobile, or other communications device(s) you use to receive and access electronic communications meet(s) the requirements in the “Hardware and Software System Requirements” section above; (2) you have the ability to access a PDF document using such a device; (3) you meet, and during the time this Consent Statement is in effect, you will continue to meet, the Servicing Email Address requirements set forth in the “Servicing Email Address” section above; and (4) that we will send you legally required notices and communications in electronic and not paper form with respect to your Deserve card, except as we reserve the right to send you legal notices and other communications in paper form as set forth in this Consent Statement.