Lob Privacy Policy

Last Updated: December 5, 2024

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Please see our Privacy Snapshot below for a high-level overview of our privacy practices.

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Please read this Privacy Policy carefully.

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This Lob.com, Inc. (“Lob”, “we” or “us”) Privacy Policy contains important information about how we collect, use, and disclose your personal information when you visit our website, use our products and services, apply for a job with us, and in connection with our other interactions with you (collectively, the “Service”). It also describes the rights and choices available to you to manage such personal information. 

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This Privacy Policy does not apply to Lob’s handling of personal information that we process on behalf of our customers. Our processing of that personal information is governed by the written agreement we have with that applicable Lob customer.

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1. Information We May Collect

‍Directly From You:

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Identifiers

: such as your name, physical address, telephone number, email address, alias, employer name, and login credentials.

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Subscription and Payment Information

: as needed to complete your transactions with us, including payment card information, and billing information. This information is processed by third-party payment processors. Our third-party payment processors will handle your payment information in accordance with their own privacy policies. We do not have access to your full payment card information.

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Transaction information

: such as information about payments to and from you and other details of products or Service you have purchased from us.

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Registration information

: such as information that may be related to a Service, an account, an event or promotion you register for.

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Interactions

: such as the communications we exchange with you, including when you contact us with questions, feedback, or otherwise. This information may also include telephone calls or meeting recordings.

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Marketing Information

: such as your preferences for receiving our marketing communications, and details about your engagement with them.

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Automatically:

We, our service providers, and our advertising partners may automatically log and combine information about you, your computer or mobile device, and your interaction over time with the Service, online resources, and our communications, such as:

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Device Information

: such as browser type and settings, device category and model, app and app version, platform category, OS and OS version, IP address, and unique device identifiers. We may also derive a rough estimate of your location from your IP address when you visit our website, such as region, county, state, and city.

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Activity and Browsing Information

: we, and our third-party service providers, use cookies, web beacons, and other similar automated data collection technologies to collect information about your use of the Service and other websites. Such information may include webpages viewed, time spent on a webpage, hyperlinks clicked, and order conversion. This information is used by Lob and our third-party service providers to analyze and track data, determine the popularity of certain content, deliver advertising and content targeted to your interests on our Service and other websites, and better understand your online activity.

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Session Replays

: we use services provided by third-party providers that employ cookies, local storage and similar technologies to record and allow us to review replays of user sessions when you use our Service. The replays may include users’ clicks, mouse movements, scrolls, text entered, and time spent on the webpage during those sessions and other data. These replays help us better understand the activity occurring on our Service, diagnose usability problems, optimize the user experience and provide us with information that we may use to improve our Service and/or to help us to develop new services.

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From Other Sources: 

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We may receive personal information about you from third-party sources. For example, a business partner may share your contact information with us if you have expressed interest in learning specifically about our products or services, or the types of products or services we offer. We may obtain your personal information from other third parties, such as marketing partners, publicly available sources, and data providers.

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2. How We May Use Your Information:

We may use the information we collect to:

• Provide the Service.
• Respond to your inquiries, requests, comments, and to provide customer support.
• Send you communications about industry news we believe is relevant, our products and services, upgrades, offers, promotions, and events offered by Lob and/or third parties. 
• For interest-based advertising. We may engage advertising partners, including third party advertising companies and social media companies, to display ads around the web. These companies may use cookies and similar technologies to collect information (including the automatically collected data described above) about your interactions over time across our website, our communications, and other online services, and use that information to serve online ads that they think will interest you. 
• Improve, monitor, and personalize the Service, including:
  • analyzing usage patterns to improve and personalize your experience with the Service or other aspects of our business; and
  • recording video or audio with our customers for various purposes related to our business, including for training purposes, to improve customer experience, to market and improve our Service and to develop new Services.
• Identify and troubleshoot bugs and other similar issues or problems with the Service.
• Detect, investigate, and prevent abuse, fraud, and other illegal activities.
• Protect the rights of Lob and/or a third party.
• Combine the information we collect with information we already have about you for research and development, marketing, or any other legitimate business purpose.
• Carry out any other purpose described at the time your information is collected. 

3. How We May Disclose Your Information

We may disclose the information we collect with:

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• Our subsidiaries and affiliates, for purposes consistent with this Privacy Policy.
• Vendors and other third-party service providers that we use to provide, maintain, support, and improve the Service. These third parties provide services such as authentication, billing and collections, customer support, or cloud-based data storage. 
• Regulators, law enforcement, or other third parties if we determine such disclosure is necessary to (a) comply with applicable laws, regulations, legal process, or a government requirement or request; (b) protect any person from death or serious bodily injury; (c) prevent abuse, fraud, or other illegal activities; (d) protect Lob’s or a third party’s rights, property, safety, or interests; or (e) carry out action that is in the public interest.
• Professional advisors, such as lawyers, auditors, bankers and insurers, where necessary in the course of the professional services that they render to us.
• Business transferees such as acquirers and other relevant participants in business transactions (or negotiations for such transactions) involving a corporate divestiture, merger, consolidation, acquisition, reorganization, sale or other disposition of all or any portion of the business or assets of, or equity interests in, our company or our affiliates (including, in connection with a bankruptcy or similar proceedings).
• Partners, such as third-party advertising companies for the interest-based advertising purposes described above. 
• Other third parties, where applicable, at your direction or with your consent and as described at the time your information is disclosed.

4. Retention Of Your Information

We will retain your information as long as necessary to fulfill the applicable purpose(s) described in this Privacy Policy unless Lob determines a longer retention period is required or permitted (a) by applicable laws and regulations; (b) for legal, tax, or regulatory purposes; or (c) for another legitimate business purpose.

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5. Security

While Lob strives to safeguard your information by implementing various technical, organizational, and physical safeguards, no security measure is 100% secure and therefore we cannot guarantee the absolute security of your information.

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6. Your Rights and Choices

Personal Information Requests.

To the extent provided for by law, you may request the following in relation to your personal information:

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• Information about how we have collected and used your personal information. We have also made this information available to you in this Privacy Policy without you needing to request it.
• Access to a copy of the personal information that we have collected about you. Where applicable, we will provide the information in a portable, machine-readable, readily usable format. Correction of personal information that is inaccurate or out of date.
• Correction of personal information that is inaccurate or out of date.
• Deletion of personal information we no longer need to provide the Service or for other lawful purposes.
• Opt out of the sharing or processing of your personal information for targeted advertising purposes. We share information with third-party advertising partners and allow them to collect information about your use of the Service to show you ads on our Service as described in the “How we may use your information” and “How we may disclose your information” sections above. Our disclosure of information to these partners may be considered a “sale” or “sharing” of personal information or “targeted advertising” under applicable laws. To exercise this right, please visit the "Do Not Sell or Share My Personal Information" link in the footer of our website. 
• You may also be able to reject or toggle off optional cookies by enabling the Global Privacy Control setting within the browser that you use to access our Service. Learn more at the Global Privacy Control website. Please note that your opt out will be specific to the device and browser you use when you opt out. We do not knowingly “sell” or “share” the personal information of consumers under 16 years of age.

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How To Make an Information Request.

Please email us or write to us as provided in the "Contact Us" section below. We may ask for specific information from you to help us confirm your identity. Depending on where you reside, you may be entitled to empower an "authorized agent" to submit requests on your behalf. We will require authorized agents to confirm their identity and authority, in accordance with applicable laws. You are entitled to exercise the rights described above free from discrimination.

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Limits On Your privacy rights and choices.

In some instances, your choices may be limited, such as where fulfilling your request would impair the rights of others, our ability to provide the Service you have requested, or our ability to comply with our legal obligations and enforce our legal rights. If you are not satisfied with how we address your request, you may submit a complaint by contacting us as provided in the "Contact Us" section below.

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Limit Online Tracking

. There are various ways to limit online tracking, which we have summarized in the Lob Cookie Policy.

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7. Third-Party Offerings

This Privacy Policy does not apply to any products, services, websites, apps, or content that are offered by a third party (each, a “Third Party Offering”). We strongly encourage you to review the corresponding privacy policy and/or terms and conditions associated with such Third Party Offering for more on how your personal information will be handled.

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8. Children’s Privacy

The Service is not directed at, or intended for use by, anyone under the age of 18. Lob does not knowingly allow minors to use the Service, or ask for or collect personal information from minors. By using the Service or providing Lob with personal information, you represent to Lob that you are 18 or older. If we discover or are informed that the personal information of a minor has been submitted to us, we will take steps to delete the information. If you believe a minor has submitted personal information to us, please email us or write to us as provided in the "Contact Us" section below.

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9. Job Applicants

When you apply for one of our open positions, we collect the information that you provide in connection with your job application. This includes but is not limited to business and personal contact information, professional credentials and skills, educational and work history, and other information that may be included in a resume or that you may provide during the interview process. This may also include demographic or diversity information that you voluntarily provide. We may also conduct background checks and receive related information. We also collect personal information from other sources where relevant for your application, such as employment research firms, recruiters, identity verification services, and information that you make publicly available on websites or social media platforms (for example, LinkedIn). 

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Throughout the recruitment process, we may supplement your personal information in connection with the assessment of your application. For example, we may record the views of those considering your application about your suitability for the role for which you have applied and retain interview notes. If you accept an offer from us, your personal information will be incorporated into and used as part of your employee record.

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We use applicants' information to facilitate our recruitment activities, process employment applications and personalize candidate communication, including evaluating candidates and monitoring recruitment statistics. We also use successful applicants' information to administer the employment relationship. We may also use and disclose applicants' information to improve our Service and for the compliance and protection purposes described above.

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10. Changes

Please be sure to regularly check this Privacy Policy as we may make changes from time to time. If we make a material change to this Privacy Policy, we will inform you by, for example, changing the “Last Updated” date above. All changes to this Privacy Policy are effective when we post them to this webpage.

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11. Contact Us

If you have questions about this Privacy Policy or any other Lob-related privacy question, you can contact us by sending an email to privacy@lob.com. 

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Privacy Snapshot

Below is a high-level snapshot of how we collect, use, and disclose your personal information when you use the Service, but you need to read the entire Privacy Policy for complete information.

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