Privacy Notice

FACTS
Rev. 5/2018
WHAT DOES FREEDOM FINANCIAL ASSET MANAGEMENT, LLC D/B/A CONSOLIDATIONPLUS (“FREEDOM”) 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 personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number and credit card or other debt
  • Account Balances and transaction history
  • Income and employment information
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 Freedom chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Freedom 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

Call 800-297-5879 or Visit us online:
https://preferences.consolplus.com/email

Please note:

If you are a new borrower, 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 a borrower, 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 800-297-5879 or go to https://preferences.consolplus.com/email
Who we are
Who is providing this notice? Freedom Financial Asset Financial Management,LLC d/b/a/ ConsolidationPlus
What we do
How does Freedom protect my 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 does Freedom collect my personal information? We collect your personal information, for example, when you
  • Open an account or give us your income information
  • Provide account information or provide employment information
  • Give us your contact information
We also collect your personal information from others, such as credit bureaus, affiliates or other companies.
Why can't I 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 nonaffiliates to market to you

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
Definitions
Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies. Our affiliates include financial companies such as Freedom Debt Relief, LLC, Freedom Financial Network, LLC, and Bills.com, LLC

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we can share with including direct marketing companies, service providers, insurance companies and broker/dealers.

Joint marketing

A formal agreement between non-affiliated financial companies that to- gether market financial products or services to you. Freedom 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. See below for your right to limit our sharing among our affiliates.

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 800-655-6303. 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 –BCPINFO@ag.state.nv.us.

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.

Additional Rights for California Residents - Important Privacy Choices for Consumers

You have the right to control whether we share some of your personal information.
Please read the following information carefully before you make your choices below.

You have additional rights under Federal law. See the form with the heading “Facts – What Does Freedom Financial Asset Management, LLC d/b/a ConsolidationPlus do with Your Personal Information?”

Your Rights
You have the following rights to restrict the sharing of personal and financial information with our affiliates (companies we own or control) and outside companies that we do business with. Nothing in this form prohibits the sharing of information necessary for us to follow the law, as permitted by law, or to give you the best service on your accounts with us. This includes sending you information about some other products or services.
Your Choices
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.
Time Sensitive Reply
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.

Name:___________________________ Account Number:_______________________

Signature & Date :______________________________________


To exercise your choices do one of the following:
  • Fill out, sign and return this form to us using the envelope provided (you may want to make a copy for your records);
  • Call this toll-free number: 800-297-5879
  • Reply electronically by contacting us through electronic mail at CustomerSupport@consolplus.com


Cross River Bank - Privacy Notice


FACTS WHAT DOES CROSS RIVER BANK DO WITH YOUR PERSONAL INFORMATION?
Rev. 11/2018
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 personal information.
Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number and Account balances
  • Payment history and Transaction history
  • Account transactions and Wire transfer instructions
When you are no longer our customer, we continue to share your information as described in this notice.
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 Cross River Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Cross River Bank 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 No We don't share
For our affiliates’ everyday business purposes— information about your creditworthiness No We don't share
For nonaffiliates to market to you No We don't share
Questions? Call toll-free 1-877-55CRB55 or go to www.crossriverbank.com
What we do
How does Cross River Bank protect my 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. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Cross River Bank collect my personal information? We collect your personal information, for example, when you
  • Open an account or Apply for a loan
  • Make deposits or withdrawals from your account or Provide employment information
  • Give us your contact information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I 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 nonaffiliates to market to you
    • State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Definitions
Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Cross River Bank does not share with our affiliates.
Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Nonaffiliates we share with can include loan finance companies
Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you

  • Our joint marketing partner(s) include loan finance companies.
Other important information

For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing-without your authorization.

For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing-without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts,Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing-without your authorization.

For Vermont Customers. We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found at www.crossriverbank.com or call 1-877-55CRB55.