|FACTS||WHAT DOES CREDIT9 DO WITH YOUR PERSONAL INFORMATION?|
|Why?||Financial 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 financial 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:
|How?||All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Credit9 chooses to share; and whether you can limit this sharing.|
|Reasons we can share your personal information||Does Credit9 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||Yes||No|
|For our marketing purposes — to offer our products and services to you||Yes||No|
|For joint marketing with other financial companies||Yes||No|
|For our affiliates’ everyday business purposes — information about your transactions and experiences||Yes||No|
|For our affiliates’ everyday business purposes — information about your creditworthiness||Yes||Yes|
|For our affiliates to market to you||Yes||Yes|
|For nonaffiliates to market to you||Yes||Yes|
|To limit our sharing||
If you are a new customer, for those types of information where you have a right to limit our sharing, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
|Questions?||Call 800-291-0172 or go to www.credit9.com.|
|Who we are|
|Who is providing this notice?||Credit9|
|What we do|
|How does Credit9 protect my personalinformation?||
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 does Credit9 collect my personal information?||
We collect your personal information, for example, when you:
We also collect your personal information from others, such as creditbureaus, affiliates or other companies.
|Why can't I limit all sharing?||
Federal law gives you the right to limit only:
State laws and individual companies may give you additional rights to limit sharing. See attachment for more on your rights under state law.
|What happens when I limit sharing for an account I hold jointly with someone else?||Your choices will apply to everyone on your account.|
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Our affiliates include financial companies such as Credit9 Funding, Inc. d/b/a Credit9 Financial.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
We share with nonaffiliates in the categories of direct marketing companies, service providers, insurance companies and broker/dealers.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Our joint marketing partners include: Financial Institutions, Lead Generators, and Marketing and Sales organizations.
|Other Important Information|
|See attached page for important state-specific disclosures.|
FOR CALIFORNIA RESIDENTS: In accordance with California law, we will not share information we collect about you with nonaffiliates, except as allowed by law. For example, we may share information with your consent or to service your accounts. Among our affiliates, we will limit information sharing to the extent required by California law. You can also limit our sharing for joint marketing with other financial institutions. See the accompanying “Important Privacy Choices for California Consumers.”
FOR NEVADA RESIDENTS: We are providing you this notice pursuant to state law. You may be placed on our internal "do not call" list by calling 800-291-0172. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St. – Suite 3900, Las Vegas, NV 89101; 702‐486‐3132 – [email protected]
FOR VERMONT RESIDENTS: In accordance with Vermont law, we will not share information we collect about Vermont residents with companies who are not affiliates, except as permitted by law, such as with your consent or to service your accounts. We will not share information about your creditworthiness with our affiliates without your authorization or consent, but we may share information about our transactions or experiences with you with our affiliates without your consent.
Restrict Information Sharing with Companies We Own or Control (Affiliates): Unless you say “No,” we may share personal and financial information about you with our affiliated companies.
(_) NO, please do not share personal and financial information with your affiliated companies.
Restrict Information Sharing With Other Companies We Do Business With To Provide Financial Products And Services: Unless you say “No,” we may share personal and financial information about you with outside companies we contract with to provide financial products and services to you.
(_) NO, please do not share personal and financial information with outside companies you contract with to provide financial products and services.
You may make your privacy choice(s) at any time. Your choice(s) marked here will remain unless you state otherwise. However, if we do not hear from you, we may share some of your information with affiliated companies and other companies with whom we have contracts to provide products and services.
Account Number (if applicable):____________________________________________________
To exercise your choices, do the following: