Privacy Notice

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FACTS
Rev 6/2022
WHAT DOES FREEDOM FINANCIAL ASSET MANAGEMENT, LLC D/B/A CONSOLIDATION PLUS (“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, credit score, credit card or other debt
  • Name and contact information, 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 888-950-4829 or email [email protected]

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 888-950-4829 or email [email protected]
Who we are
Who is providing this notice? Freedom Financial Asset Financial Management,LLC d/b/a/ Consolidation Plus
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
  • Fill out an application or provide lead information
  • 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.

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 Freedom Debt Relief, LLC, Lendage, LLC, Bills.com, LLC, Freedom Financial Network, LLC and FreedomPlus
Nonaffiliates

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

  • Nonaffiliates we share with include direct marketing companies, service providers, insurance companies, financial companies and broker/dealers.
Joint marketing

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 the following 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 800-297-5879 or email us at [email protected]. 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.

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.

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.

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.

To exercise your choices do one of the following:


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.



Pathward - Privacy Notice


FACTS
Rev. 06/22
WHAT DO PATHWARD FINANCIAL, INC. AND PATHWARD, NATIONAL ASSOCIATION 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 income
  • Account balances and transaction history
  • Credit history and assets
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 Pathward Financial, Inc. and Pathward, National Association choose to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Pathward 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 do not share
For our affiliates’ everyday business purposes— information about your creditworthiness No We do not share
For our affiliates to market to you No We do not share
For nonaffiliates to market to you No We do not share
Questions? Call 833-898-0023 or go to www.pathwardprivacypolicy.com.
Who we are
Who is providing this notice? Pathward Financial, Inc., and Pathward, National Association (together, “Pathward”).
What we do
How does Pathward 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 Pathward 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 account information
  • Make a wire transfer
We also may collect 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 law 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.

  • Pathward does not share with our affiliates.
Nonaffiliates

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

  • Pathward does not share with nonaffiliates so they can market to you.
Joint marketing

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

  • Our joint marketing partner(s) include nonaffiliated financial companies that we may partner with to jointly market financial products or services to you.
Other important information

FOR CALIFORNIA and Vermont Residents: We will not share information we collect about you with affiliated and nonaffiliated third parties, except as permitted by law, including, for example, for our own marketing purposes, our everyday business purposes, or with your consent.

FOR Vermont Residents: We will not share your credit information or information about your creditworthiness, transactions, or experience, other than as permitted by Vermont law, unless you authorize us to make those disclosures.

FOR Nevada Residents: We are providing you this notice under state law. You may be placed on our internal Do Not Call List by contacting the Privacy Department and requesting an Opt Out of Marketing. If you would like more information about our telemarketing practices and the Nevada Law, you may contact us at Pathward, N.A., Attn: Privacy Department, 5501 S. Broadband Lane, Sioux Falls, South Dakota 57108, and phone number: 833-898-0023. For more information on this law, you may contact Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Ave., Suite 3900, Las Vegas, NV 89101; phone number: 702.486.3132; email: [email protected].



DATOS
Rev 4/2023
¿QUÉ HACE ACHIEVE CON SU INFORMACIÓN PERSONAL?
¿Por qué? Las empresas financieras eligen cómo divulgan su información personal. Las leyes federales otorgan a los consumidores el derecho de limitar el uso compartido, aunque no del todo. Las leyes federales también nos exigen que le informemos cómo recopilamos, divulgamos y protegemos su información personal. Lea este aviso detenidamente para comprender lo que hacemos.
¿Qué? Los tipos de información personal que recopilamos y divulgamos dependen del producto o servicio que tenga con nosotros. Esta información puede incluir lo siguiente:
  • Número de Seguro Social, calificación crediticia, tarjeta de crédito u otras deudas
  • Nombre e información de contacto, saldos de cuentas e historial de transacciones
  • Información sobre ingresos y empleo
¿Cómo? Todas las empresas financieras deben divulgar la información personal de los clientes para llevar a cabo sus actividades comerciales diarias. En la siguiente sección, enumeramos los motivos por los que las empresas financieras pueden divulgar la información personal de sus clientes; los motivos por los que Achieve elige divulgarla y si puede limitar esta divulgación.
Motivos por los que podemos divulgar su información personal ¿Achieve divulga su información? ¿Puede limitar esta divulgación?
Para nuestros fines comerciales cotidianos:
como procesar sus transacciones, mantener su cuenta(s), responder a órdenes judiciales e investigaciones legales o informar a agencias de información crediticia 		Sí No
Para nuestros fines de comercialización:
para ofrecerle nuestros productos y servicios 		Sí No
Para la comercialización conjunta con otras empresas financieras Sí No
Para los fines comerciales cotidianos de nuestras filiales: información sobre sus transacciones y experiencias Sí No
Para los fines comerciales cotidianos de nuestras filiales: información sobre su capacidad crediticia Sí Sí
Para que nuestras filiales comercialicen con usted Sí Sí
Para que las empresas que no son filiales comercialicen con usted Sí Sí
Para limitar nuestra divulgación

Llame:888-950-4829 or email [email protected]

Tenga en cuenta lo siguiente:

Si usted es un cliente nuevo, para aquellos tipos de información en los que tiene derecho a limitar nuestra divulgación, podemos comenzar a divulgar su información en un plazo de 30 días a partir de la fecha en que enviamos este aviso. Cuando ya no sea cliente, continuaremos divulgando su información según se describe en este aviso.

Sin embargo, puede ponerse en contacto con nosotros en cualquier momento para limitar nuestra divulgación.
¿Tiene preguntas? Call 888-950-4829 or email [email protected]
Quiénes somos
¿Quién proporciona este aviso? Freedom Financial Network Funding, LLC (razón social: Achieve Company) y sus filiales, incluidas, entre otras, Bills.com, LLC y Bills.com, Inc., (razón social: Achieve.com), Lendage, LLC (razón social: Achieve Loans), Freedom Financial Asset Management, LLC (razón social: Achieve Personal Loans, razón social: FreedomPlus, razón social: ConsolidationPlus) y Freedom Debt Relief, LLC (razón social: Freedom Resolution), (en conjunto, “Achieve”).
Lo que hacemos
¿De qué forma Achieve protege mi información personal? Para proteger su información personal del acceso y uso no autorizados, utilizamos medidas de seguridad que cumplen con las leyes federales. Estas medidas incluyen salvaguardas informáticas y archivos y edificios seguros.
¿De qué forma Achieve recopila mi información personal? Recopilamos su información personal, por ejemplo, en estas situaciones:
  • Al completar una solicitud o proporcionar información de clientes potenciales.
  • Al abrir una cuenta o proporcionarnos información de sus ingresos.
  • Al proporcionar información de la cuenta o información de empleo.
  • Nos proporciona su información de contacto.
También recopilamos su información personal de terceros, como agencias de información crediticia, filiales u otras compañías.
¿Por qué no puedo limitar toda la divulgación? Las leyes federales le otorgan el derecho de limitar la divulgación solamente en los siguientes casos:
  • Al divulgar información sobre su solvencia para los fines comerciales cotidianos de las filiales.
  • Filiales que utilizan su información para comercializar con usted.
  • Para que las empresas que no son filiales comercialicen con usted.

Las leyes estatales y las empresas individuales pueden otorgarle otros derechos para limitar la divulgación.

¿Qué sucede cuando limito la divulgación de una cuenta que tengo conjuntamente con otra persona? Sus opciones se aplicarán a todas las personas de su cuenta.
Definiciones
Filiales

Empresas relacionadas con propiedad o control común. Pueden ser empresas financieras y no financieras. Nuestras filiales incluyen las siguientes:

  • Bills.com, LLC y Bills.com, Inc., (razón social: Achieve.com), Lendage, LLC (razón social: Achieve Loans), Freedom Financial Asset Management, LLC (razón social: Achieve Personal Loans y Consolidation Plus) y Freedom Debt Relief, LLC (razón social: Freedom Resolution).
Empresas no filiales

Empresas no relacionadas por propiedad o control común. Pueden ser empresas financieras y no financieras.

  • Las empresas no filiales a las que divulgamos información incluyen empresas de comercialización directa, proveedores de servicios, compañías de seguros y corredores/agentes.
Comercialización conjunta

Un acuerdo formal entre compañías financieras no filiales que juntas comercializan productos o servicios financieros para usted.

  • Nuestros socios de comercialización conjunta incluyen instituciones financieras, generadores de clientes potenciales y organizaciones de comercialización y ventas.
Otra información importante
Consulte a continuación las declaraciones informativas importantes específicas del estado.


Para residentes de Nevada Le proporcionamos este aviso de conformidad con la ley estatal. Es posible que se le incluya en nuestra lista interna de “no llamar” llamando o enviando un correo electrónico según la información proporcionada en la parte inferior de esta página. También puede comunicarse con la Oficina de Protección al Consumidor, Oficina del Fiscal General de Nevada, 555 E. Washington St. - Suite 3900, Las Vegas, NV 89101; 702-486-3132, [email protected].

Para residentes de Vermont De acuerdo con la ley de Vermont, no divulgaremos la información que recopilemos sobre los residentes de Vermont con compañías que no sean filiales, excepto según lo permita la ley, como con su consentimiento o para administrar sus cuentas. No divulgaremos información sobre su capacidad crediticia con nuestras filiales sin su autorización o consentimiento, pero podemos divulgar información sobre nuestras transacciones o experiencias con usted a nuestras filiales sin su consentimiento.

Para residentes de Montana De acuerdo con la ley de Montana, no divulgaremos su nombre ni información personal a nadie que no sean sus acreedores inscritos o nuestros agentes, filiales o contratistas y otros proveedores terceros, según sea necesario para las actividades comerciales.

Para residentes de California De acuerdo con la ley de California, no divulgaremos la información que recopilemos sobre usted a personas que no sean filiales, excepto según lo permita la ley. Por ejemplo, podemos divulgar información con su consentimiento o para administrar sus cuentas. También puede tener otros derechos para limitar la divulgación de su información personal en virtud de la Ley de Protección al Consumidor de California (California Consumer Protection Act, “CCPA”). Consulte a continuación su derecho a limitar la divulgación que hagamos entre nuestras filiales.

Sus derechos

Usted tiene los siguientes derechos para restringir la divulgación de información personal y financiera a nuestras filiales (empresas que poseemos o controlamos) y empresas externas con las que hacemos negocios. Nada de lo contenido en este formulario prohíbe divulgar la información necesaria para que podamos cumplir con la ley, según lo permita la ley, o para brindarle el mejor servicio en sus cuentas con nosotros. Esto incluye enviarle información sobre otros productos o servicios.

Sus opciones

Restringir la divulgación de información a empresas que poseemos o controlamos (filiales): a menos que opte por no participar, podemos divulgar información personal y financiera sobre usted con nuestras empresas filiales.

Restringir la divulgación de información a otras empresas con las que hacemos negocios para proporcionar productos y servicios financieros: a menos que opte por no participar, podemos divulgar información personal y financiera sobre usted a empresas externas a las que contratamos para proporcionarle productos y servicios financieros.

Respuesta con plazo

Puede hacer elecciones de privacidad en cualquier momento. Sin embargo, si no tenemos noticias suyas, podemos divulgar parte de su información a empresas filiales y otras empresas con las que tengamos contratos para proporcionar productos y servicios.

Para ejercer sus opciones, realice una de las siguientes acciones:
    Llame:
  • Para Achieve.com: 800-655-6303.
  • Para Achieve Personal Loans/Achieve Loans: 800-297-5879.
  • Para Freedom Resolution: 800-655-6303.