Facts: What Do We Do with Your Personal Information?
Companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
The types of personal information we collect and share depend on the product or service you have with us. This information can include, but is not limited to:
- Information you enter on our website, such as:
- Social Security number
- Credit history
- Employment and income information
- Banking account information
- Contact information
- Transaction history and income
- Credit history and account balances
- Log files such as:
- internet protocol (IP) addresses
- browser type
- Internet Service Provider (ISP)
- date/time stamp
- referring/exit pages
- number of clicks
Companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons companies can share their customers’ personal information; the reasons we choose to share; and whether you can limit this sharing.
Reasons We Can Share Your Personal Information
Do We Share?
Can You Limit This Sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
For our marketing purposes – to offer our products and services to you
For joint marketing with other companies
For our affiliates’ everyday business purposes – information about your transactions and experiences
For our affiliates’ everyday business purposes – information about your creditworthiness
For our affiliates to market to you
For non affiliates to market to you
What We Do
How do we protect your personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How do we collect your personal information?
We collect your personal information, for example, when you:
- Create an account
- Request a loan
- Subscribe to our newsletter
- Provide information on our form
- Navigate to our website
We may also obtain information about you from third parties, including credit reports, information about your home, and demographic information.
Why can’t you limit all sharing?
Federal law gives you the right to limit only:
- Sharing for affiliates’ everyday business purposes—information about your creditworthiness
- Affiliates from using your information to market to you
- Sharing for non affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Companies with whom we have a formal business relationship
Companies not related by common ownership and control, and with which we do not have a formal business relationship
A formal agreement between nonaffiliated financial companies that together market financial products or services to you
Other Important Information
For California Residents
We will not share your personal information with non affiliates for their marketing purposes without your authorization. We will not share your personal information with other companies for joint marketing purposes if you instruct us not to by contacting us using the contact information below.
We do not track our customers over time and across third party websites, and therefore do not respond to Do Not Track (DNT) signals. However, we may use third-party services (e.g., Google Analytics) or have third-party advertising partners (e.g., Google, noted above) who may keep track of your browsing activities. You should review the specific privacy policies of these third parties at the following addresses to learn how they respond to DNT signals:
For Vermont Residents
We will not disclose information about you with affiliates or non-affiliated, third party companies or financial institutions, other than as required or permitted by law, without your express permission.
For North Dakota Residents
We will not disclose information about you with non-affiliated, third party companies or financial institutions, other than as required or permitted by law, without your express permission.
We do not knowingly collect information form children under the age of 18. No information is knowingly collected from children or used for any purpose whatsoever, including marketing and promotional purposes. If a parent or guardian is made aware that a child under the age of 18 has provided us with PII through any point of contact, please contact us using the contact information provided in the “Questions” section below.