Privacy Policy

Last updated: November 8, 2025

This Privacy Policy describes Our policies and procedures on the collection, use, and disclosure of Your information when You use the Service and tells You about Your privacy rights.

We use Your Personal data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree to this Privacy Policy, please do not access or use the Service.

Please read this Privacy Policy carefully before using Our Service.

1. Interpretation and Definitions

1.1 - Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in the singular or in the plural.

1.2 - Definitions

For the purposes of this Privacy Policy:

Account means a unique account created for You to access our Service or parts of our Service.
Affiliate means an entity that controls, is controlled by, or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest, or other securities entitled to vote for the election of directors or other managing authority.
Company (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to Solution Playground, LLC.
Cookies are small files that are placed on Your computer, mobile device, or any other device by a website, containing the details of Your browsing history on that website among its many uses.
Country refers to the United States.
Device means any device that can access the Service such as a computer, a cellphone, or a digital tablet.
Personal Data is any information that relates to an identified or identifiable individual, such as a name, an identification number, location data, or an online identifier.
Service refers to the Application or the Website or both.
Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.
Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
Website refers to Solution Playground, accessible from solutionplayground.com.
You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

2. Collecting and Using Your Personal Data

2.1 - Types of Data Collected

2.1.1 - Personal Data

While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:

Email address
First name and last name
Phone number
Address, State, Province, ZIP/Postal code, City
Usage Data

2.1.2 - Usage Data

Usage Data is collected automatically when using the Service.

Usage Data may include information such as Your Device's Internet Protocol address (e.g., IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers, and other diagnostic data.

When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers, and other diagnostic data.

2.1.3 - Tracking Technologies and Cookies

We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service.

We use Cookies for the following purposes:

Necessary / Essential Cookies: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features.
Cookies Policy / Notice Acceptance Cookies: These Cookies identify if users have accepted the use of cookies on the Website.
Functionality Cookies: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference.

2.2 - Use of Your Personal Data

The Company may use Personal Data for the following purposes:

To provide and maintain our Service, including to monitor the usage of our Service.
To manage Your Account: to manage Your registration as a user of the Service.
For the performance of a contract: the development, compliance, and undertaking of a contract with Us through the Service.
To contact You: To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication.
To provide You with news, special offers, and general information about other goods, services, and events which we offer.
To manage Your requests: To attend and manage Your requests to Us.
For business transfers: We may use Your information to evaluate or conduct a merger, divestiture, restructuring, or other sale or transfer of some or all of Our assets.
For other purposes: We may use Your information for other purposes, such as data analysis, identifying usage trends, and to evaluate and improve our Service, products, services, and marketing.

2.3 - Our "Do Not Sell" Commitment

We do not sell, rent, or trade your personal or business information to any third party for monetary value. Our business model is based on the Platform Access Fees and Qualified Lead Fees paid by Solution Providers, not on selling user data.

2.4 - Sharing of Your Personal Data

We only share your personal information in the following limited situations:

At Your Direct Request (Qualified Leads): We do not provide Solution Providers with any personally identifiable information of Credit Union users, other than what a Credit Union user voluntarily provides when they initiate a "Qualified Lead" request to be contacted. We facilitate this user-initiated introduction as a core function of the Service.
With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service, for payment processing, or to contact You. These Service Providers are bound by our "Service Provider" framework as described in Section 3.
For Business Transfers: We may share or transfer Your personal information in connection with any merger, sale of Company assets, financing, or acquisition.
With Affiliates: We may share Your information with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy.
With Your Consent: We may disclose Your personal information for any other purpose with Your consent.

2.5 - Retention of Your Personal Data

The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations, resolve disputes, and enforce our legal agreements and policies.

2.6 - Transfer of Your Personal Data

Your information, including Personal Data, is processed at the Company's operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of Your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those from Your jurisdiction.

Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.

2.7 - Deleting Your Personal Data

You may update, amend, or delete Your information at any time by signing in to Your Account, if you have one, and visiting the account settings section. You may also contact Us to request access to, correct, or delete any personal information that You have provided to Us.

Please note, however, that We may need to retain certain information when we have a legal obligation or lawful basis to do so.

2.8 - Disclosure of Your Personal Data

Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g., a court or a government agency).

2.9 - Security of Your Personal Data

The security of Your Personal Data is important to Us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security.

3. Analytics and Our Service Provider Framework

3.1 - Our Limited Use of Analytics Data

We use third-party analytics tools (like Google Analytics, Microsoft Clarity, and HubSpot) for the sole and limited purpose of understanding how our users interact with the Service. This allows us to:

Improve the functionality, design, and user experience of our platform.
Identify and fix bugs or performance issues.
Generate aggregated, non-identifiable trend reports that we may share with our Solution Providers. An example of this is: "In the last 30 days, 25% of Credit Unions searched for 'digital lending' solutions."

We never share any Personal Data or identifiable analytics data with Solution Providers.

3.2 - Our Voluntary "Service Provider" Commitment

We treat all our users' data with the same high standard, regardless of their location. While our business may not be subject to certain state-level privacy laws, we have voluntarily adopted a strict "Service Provider" framework.

This means we have Data Processing Agreements (DPAs) or other appropriate addendums in place with our analytics vendors. These contracts legally obligate them to act as "Service Providers" on our behalf and prohibit them from using your data for any purpose other than providing analytics services directly to us.

4. Third-Party Services

4.1 - Payment Processing

We provide paid products and/or services within the Service for Solution Providers. We use a third-party service for payment processing. All payments are processed directly by our third-party payment partner, Nickel (getnickel.com).

We do not collect, store, or have access to your credit card or bank account information. That information is provided directly to Our third-party payment processor.

4.2 - Other Third-Party Links

Our Service may contain links to other websites that are not operated by Us. If You click on a third-party link, You will be directed to that third-party's site. We strongly advise You to review the Privacy Policy of every site You visit.

We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

5. California "Do Not Track" Disclosure

5.1 - CalOPPA Notice

The California Online Privacy Protection Act (CalOPPA) requires us to disclose how we respond to "Do Not Track" (DNT) signals. Our Service does not currently respond to or take any action with respect to DNT browser signals or other mechanisms.

CalOPPA also requires us to disclose whether third parties (like our analytics providers) can collect personally identifiable information from our site. As described in Section 3, we use analytics tools to understand user behavior.

5.2 - Your Right to Review and Change Information

As a California resident, you may request to review and change the personally identifiable information We have collected about you by contacting us at the email address below.

6. Privacy of Minors

Our Service is not intended for and does not address anyone under the age of 18. We do not knowingly collect personally identifiable information from anyone under the age of 18.

If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 18 without verification of parental consent, We take steps to remove that information from Our servers.

7. Document Hierarchy and Governing Law

7.1 - Governing Law

This Privacy Policy, and any disputes arising from it, shall be governed and construed in accordance with the laws of the State of Wisconsin, without regard to its conflict of law provisions.

7.2 - Order of Precedence

This Privacy Policy is part of our legal agreement with You, alongside our Terms of Service and (if applicable) our Solution Provider Partnership Agreement.

If you are a Solution Provider, please be aware that in the event of any direct conflict between a term in this Privacy Policy and a term in your signed Solution Provider Partnership Agreement, the terms of that Partnership Agreement will control.

8. Changes to this Privacy Policy

We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.

We will let You know via email and/or a prominent notice on Our Service prior to the change becoming effective and update the "Last updated" date at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

9. Contact Us

If you have any questions about this Privacy Policy, You can contact us:

By email: adam@solutionplayground.com