Privacy Policy & SMS Terms

Effective Date: July 1, 2025

Varidi (“we,” “us,” or “our”) respects your privacy and is committed to protecting it through our compliance with this Privacy Policy (“Policy”). This Policy describes the types of information we may collect from you or that you may provide when you visit our website or subdomains (the “Site”) and use our services (“Services”), and our practices for collecting, using, maintaining, protecting, and disclosing that information.

This Policy applies only to information we collect through this Site and does not apply to information collected offline, through other channels, or by third-party websites linked to or accessible from our Site.

1. Who This Site Is For

This Site is not directed to or intended for individuals under the age of 18. By using the Site, you affirm that you are at least 18 years of age.

2. Information We Collect

We collect information from and about users of our Site and Services in the following ways:

a. Information You Provide

You may provide us with personal information when you:

  • Create an account
  • Submit an application for our Services
  • Request customer support or submit feedback
  • Interact with our website, forms, surveys, or customer service

This information may include:

  • Name, date of birth, contact details
  • Business and financial information
  • Government-issued identification (e.g., driver’s license, Social Security Number)
  • Any other data voluntarily submitted

b. Information Collected Automatically

We automatically collect data when you interact with our Site, such as:

  • Device and browser information
  • IP address and location
  • Pages visited, time spent, and links clicked
  • Usage data related to transactions or activity on our platform

c. Information from Third Parties

We may collect information from external sources, such as:

  • Credit bureaus
  • Identity verification vendors
  • Advertising and analytics platforms

3. Use of Cookies and Tracking Technologies

We and our partners use cookies and other tracking technologies to:

  • Analyze website usage and improve performance
  • Personalize your experience
  • Deliver targeted advertisements

You can manage cookie preferences through your browser settings. Some services may be limited if cookies are disabled.

4. How We Use Your Information

We use collected information to:

  • Provide and maintain the Services
  • Validate your identity
  • Communicate with you about account activity, updates, and promotions
  • Improve and personalize the Site and Services
  • Conduct analytics and marketing
  • Detect and prevent fraud
  • Comply with legal obligations

5. How We Share Your Information

We may share your personal information:

  • With service providers to help operate the Site and deliver Services
  • For marketing and advertising
  • In connection with a business transfer, such as a merger or sale
  • To prevent fraud or comply with legal requirements
  • With your consent for specific purposes not covered here

We do not sell your personal information for monetary gain.

6. Your Privacy Choices

You have the right to:

  • Access or correct your personal information
  • Opt out of targeted advertising and certain sharing
  • Control cookies through your browser settings
  • Request deletion of your data (subject to legal limitations)

To submit a privacy request, contact us at (888) 992-8889 or Support@Varidi.com.

7. California Privacy Rights (CCPA/CPRA)

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), including:

  • Right to know what personal information we collect and share
  • Right to request deletion or correction
  • Right to opt out of the sale or sharing of personal information
  • Right to non-discrimination for exercising these rights
  • Submit requests at: Support@Varidi.com
  • We honor Global Privacy Control (GPC) signals for California users.

8. Washington Consumer Health Data Rights (MHMDA)

For Washington residents, we comply with the My Health My Data Act (MHMDA), which provides rights around data related to your physical or mental health. You may request:

  • Access or deletion of health-related data
  • Restriction on collection or sharing of this data

To exercise these rights, please contact: Support@Varidi.com or (888) 992-8889.

9. Security

We take reasonable administrative, technical, and physical safeguards to protect your personal information. However, no system is completely secure. You are responsible for safeguarding your account credentials and promptly reporting any suspected unauthorized use.

10. International Users

This Site is operated from the United States and governed by U.S. law. If you access the Site from outside the U.S., you consent to the transfer of your data to the U.S. and to our use of your data in accordance with this Policy.

11. European, UK, and Swiss Users (GDPR)

If you reside in the EU, UK, or Switzerland, you may have rights under the GDPR including:

  • Access, correction, deletion, or restriction of your personal data
  • Right to object to processing
  • Right to data portability
  • Right to withdraw consent

To make a request, contact us at: Support@Varidi.com or (888) 992-8889.

12. SMS Terms & Conditions for Contract Servicing and Collections

By providing your mobile number to Varidi and affirmatively opting in, you authorize Varidi and its agents, service providers, affiliates, and assigns (“Varidi,” “we,” “us”) to send recurring text (SMS) messages to you using an automatic telephone dialing system or other technology.

These messages may include:

  • Billing reminders and past-due notifications
  • Contract servicing updates
  • Collection-related communications or notifications
  • Identity verification and account alerts
  • Customer service and support responses

Your consent is not a condition of receiving or using our services.

A. Opt-In Authorization

You expressly authorize us to send SMS messages to the number you provide for the purposes listed above. By submitting your phone number, you:

  • Confirm you are the subscriber or customary user of that number
  • Provide “prior express written consent” as required by the Telephone Consumer Protection Act (TCPA)
  • Authorize the use of an auto-dialer or prerecorded messages (as applicable)

We may request a double opt-in to confirm your number before initiating financial SMS messages.

B. Opt-Out Instructions

You may opt out of SMS messages at any time by:

Opting out will not affect your ability to access your account through other channels, but it may impact how we communicate urgent or time-sensitive account information.

C. Message Frequency

Message frequency varies based on your account status and activity, but may be frequent for accounts in delinquent, default, dispute, or resolution processes.

D. Message & Data Rates

Message and data rates may apply from your wireless carrier. You are responsible for any fees or charges incurred through SMS communication.

E. Privacy & Data Handling

We do not sell your personal data. Any information shared via SMS is governed by our Privacy Policy and used solely to provide services, support, and notifications related to your account.

F. Reassigned Numbers & Your Responsibilities

You agree to notify us immediately if your number changes or is no longer active. Failure to do so may result in the disclosure of sensitive financial information to unintended recipients. We are not responsible for any unauthorized use due to unreported phone number changes.

G. Legal Disclosures

Our SMS communication complies with:

  • Telephone Consumer Protection Act (TCPA)
  • Fair Debt Collection Practices Act (FDCPA) (if applicable)
  • Federal Communications Commission (FCC) regulations
  • Carrier compliance and auditing standards

H. Dispute Resolution

Any disputes related to SMS communications are subject to binding arbitration per our Terms of Service. You waive any class action rights related to the SMS program.

Changes to This Policy

We may update this Policy periodically. Material changes will be posted on the Site with an updated “Effective Date.” Continued use of the Site means you accept the changes.

Contact Us

If you have questions or concerns about this Privacy Policy or your data, please contact us:

Email: Support@Varidi.com

Phone: (888) 992-8889

Mailing Address: Law Office of Brant Girard, 1100 S. El Camino Real, Suite 4, San Mateo, CA 94402