top of page

Privacy Policy

In this Website Privacy Policy, SOPHIACI, LLC and our affiliates (collectively, “SOPHIACI” or “we”), provide information about how we use, collect and transfer personally identifiable data from visitors to our websites (collectively the “Website“) and users of our services.

1. Scope
This Privacy Policy covers only data collected through the Website and not any other data collection or processing, including, without limitation, data collection practices of other websites to which we link or data that we or our subsidiaries or affiliates collect offline or through websites, products, or services that do not display a direct link to this Privacy Policy.

2. Collection, Use, and Sharing of Data
2.1 Browser and device information
SOPHIACI collects information from visitors of the Website, including the domain names, IP and MAC addresses, browser types, and unique device identifiers of such visitors. This information includes the number of visits, average time spent on the Website, pages viewed and similar information. This information may also include usage information about the page-by-page paths you take as you browse through the Website. SOPHIACI uses this information to measure the use of the Website and to develop ideas to improve the content of the Website. For more information regarding SOPHIACI’s use of this information, please see the sections on “Cookies and Other Tracking Technologies” and “Analytics” below. We may combine such information with information provided by you.

2.2 Personal information provided by you
There are times, however, when we may need additional information from you, including personal information that may be used to identify you. This information includes items such as your name, address, telephone number, and email address. The information we collect is typically used by us to respond to your inquiry, process an order or allow you to access specific account/profile information.

2.3 Information from third parties
We may receive information about you from third-parties such as social networks (subject to the user’s privacy settings and the privacy policy of the social network), service providers which allow us to verify, enhance or supplement your information, and business partners to whom we are offering a service. We are not responsible for third-party use of information.

2.4 How do we use your information?
If you choose to share any personal information with us, we will use it in accordance with this Privacy Policy and applicable law. We may use your personal information to: improve the Website or SOPHIACI products and services; customize your experience with the Website, or to serve you specific content that is relevant to you; contact you regarding your use of the Website and, in our discretion, changes to our policies; provide you with Website-related notices; send you advertisements and marketing for SOPHIACI products and services in accordance with the law; to notify you about changes to our Websites and services; send you service notices; deal with enquiries and complaints; comply with any legal or regulatory  requirements and otherwise to any respond to any relevant regulator or competent authority as required by law; understand user trends and patterns; for business administration; and for purposes disclosed elsewhere in this Privacy Policy, at the time you provide your personal information, or with your consent. We may also use information for any internal purpose, such as quality control efforts or customer analysis.

2.5 Retention of information
We may store your information for as long as it is required for our business purposes, including the period after which any customer relationship has ceased.

2.6 Sharing of information
We will only share your information with third parties in accordance with applicable law. We may share with third-parties information that is not associated with your name or identity, such as Website usage information, non-personally identifiable demographic information, and aggregate user statistics in accordance with applicable law. We may share your personal information with non-affiliated third-parties as necessary for us to provide the product or service you or your lender/service provider have requested of us, as permitted by law, with third party service providers so that they may perform certain services for us, or as otherwise specified herein.

Such disclosures may include situations in which we are required to respond to subpoenas or other legal process, or are responding to the request of governmental authorities conducting an investigation. We may also provide all of the types of non-public personal information listed above to one or more of our affiliated companies in connection with our services and other business purposes. It is possible that SOPHIACI, its subsidiaries, affiliates, joint venture companies, or any combination of them, could merge with or be acquired by another legal entity. In such event, or in the event of any other proposed or actual purchase, sale (including a liquidation, realization, foreclosure or repossession), lease, merger, amalgamation or any other type of acquisition, disposal, transfer, conveyance or financing of all or any portion of SOPHIACI or of any of the business or assets or shares of SOPHIACI or a subsidiary or division thereof, SOPHIACI may share your information with third-parties.

Furthermore, and subject to your consent where required by law, we may also provide all the information we collect, as described above, to companies that perform marketing services on our behalf, on behalf of our affiliated companies or to other financial institutions with which we or our affiliated companies have joint marketing agreements. In some circumstances, we will request your consent to share your information with nonaffiliated third parties, such as lenders, realtors, and insurers, so that they may offer you products and services that may be of interest to you.

3. Cookies and Other Tracking Technologies
The Website uses “cookie” technology to measure Website activity and to collect information such as browser type, time spent on the Website, pages visited and other information about your visit to the Website. Cookies are also used to prefill information previously entered into forms and to customize information to your personal tastes. A cookie is an element of data that an Internet site can send to your browser. Cookies are stored on your computer. We may share information about you that we collect through a cookie with third-parties who help us analyze Website data, in accordance with the law.

On our Website we use the following types of cookies:

(a) Strictly necessary cookies – These cookies are essential to enable the user to navigate around the Website securely and to provide the user with services they have specifically requested.
b) Functionality cookies – These cookies enhance the functionality of the Website by storing user preferences. For instance, they can remember your name and location, if you provide this information and the types of content you are interested in.
(c) Performance cookies – These cookies improve the performance of the Website. For instance, they help pages load quicker.
(d) Analytics cookies – We may use third party analytics services such as Google Analytics and others. Your IP address and other information will be collected by automated means to report on your use of the services. For more information about how Google Analytics uses your information please click here. If you do not want information collected through the use of cookies, there is a simple procedure in most browsers that allows you to automatically decline cookies or be given the choice of declining or accepting the transfer to your computer of a particular cookie (or cookies) from a particular site. If, however, you do not accept our cookies, you may experience some inconvenience in your use of the Website.

We may also include small graphic images called web beacons, also known as “Internet tags” or “clear gifs,” in our web pages and email messages. We may use web beacons or similar technologies for a number of purposes, including, without limitation, to count the number of visitors to the Website, to monitor how users navigate the Website, and to count how many emails that we sent were actually opened or how many particular articles or links were actually viewed. We may also use embedded scripts on the Website. An embedded script is programming code that is designed to collect information about your interactions with the Website. It is temporarily downloaded onto your computer from our web server or a third party with whom we work, is active only while you are connected to the Website, and is deleted or deactivated thereafter.

4. Analytics
We may use third party analytics service providers, including but not limited to Google Analytics, to evaluate and provide us with information about the use of the Website. These third-parties use cookies, web beacons, pixels, embedded scripts and other, similar technologies to automatically collect information about your Website use, report Website trends, and help us compile Website metrics. You can learn about Google’s specific practices by going to

We may use Google Analytics Advertising Features with Google Signals, which includes Remarketing with Google Analytics, Google Display Network Impression Reporting, and Google Analytics Demographics and Interests Reporting to advertise online. Google Signals provides insight into cross-device user journeys and allows us to remarket to signed-in Google users across devices. Websites and third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick cookie) together to inform, optimize, and serve ads based on someone’s past visits to a website.

5. Opt-out
If you would like us to stop sending you marketing communications you may use the opt-out link set out below or the unsubscribe link in our marketing communications. Although we encourage you to use the opt-out link because it is automated, you may also contact us.

5.1 Opt-out Contacts

6. Social Features
If you, or another user of your device, wish to withdraw your cookies consent at
any time, you have the ability to accept or decline cookies by modifying your browser setting. You may also go to or if you are in Europe, or to if you are anywhere else for instructions on how to disable cookies.

You may opt-out from Google Analytics here or by downloading the Google Analytics opt-out browser add-on, available at: In some instances, when you opt-out, a new cookie (Opt-Out-Cookie) is placed in your web browser. This tells the third party provider to cease data collection from your browser and prevents advertisements from being delivered to you.

Certain functionality on the Website may permit interactions that you initiate between the Website and a third-party website or service (“Social Features”). If you choose to use Social Features, information you post or provide access to may be publicly displayed by the provider of the Social Feature that you use. Similarly, if you post information on a third-party platform that references the Website (e.g., by using a hashtag associated with SOPHIACI in a tweet or status update), your post may be published on the Website in accordance with the terms of the third party website or service.

Also, both SOPHIACI and the third party may have access to certain information about you and your use of the Website and the third party site or service. The information we collect in connection with Social Features is subject to this Privacy Policy. The information collected and stored by the third party remains subject to the third party’s privacy practices.

7. Website Security
We maintain appropriate physical, electronic, and procedural safeguards to protect your personal information. We provide information to our subsidiaries, affiliated companies, and other businesses or persons for the purposes of processing such information on our behalf, some or all of which may store your information on servers located outside of the United States.

8. California Privacy Rights
When California customers provide personal information to a business, they have the right to request certain disclosures if that business shares personal information with third parties for the third parties’ direct marketing purposes. Once per calendar year the customer may request that the business provide a list of companies with which it shares personal information for those companies’ direct marketing purposes, and a list of the categories of personal information that the business shares.

SOPHIACI generally does not sell products or services directly to individual California consumers. However, if we engage in such contact, you may request information about our compliance with this law by contacting us. Any such inquiry must include “California Privacy Rights Request” in the first line of the description and include your name, street address, city, state, and ZIP code.

Please note that we are only required to respond to one request per customer each year, and we are not required to respond to requests made by means other than through this email address or mail address.

9. Third Party Websites
There may be hyperlinks on the Website to other websites or locations that are operated and controlled by third parties (“Third Party Websites“). These Third-Party Websites may solicit personal information from you. We make no representations regarding the policies or business practices of such Third Party Websites and encourage you to familiarize yourself with their privacy policies before providing them with your personal information.

10. Changes to this Statement
SOPHIACI may from time to time and without prior notice revise this Privacy Policy. Any changes will be effective immediately when the revised Policy is posted on the Website, unless stated otherwise.

We will not, however, use your personal information in a manner materially different than what was stated in the Privacy Policy posted on the Website at the time your personal information was collected unless we receive your consent.

11. Contacting Us
If you have any questions about this Privacy Policy, our practices, or your dealings with the Website, you can contact us by Email:

17. Version
This Privacy Notice was last updated on January 09 2023.

bottom of page