Privacy Notice
EspañolFACTS |
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:
|
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
|
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. |
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.
|
Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|
Joint marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
|
Other important information | |
See the following page for important state-specific disclosures. |
- Call this toll-free number: 888-950-4829
- Email us at [email protected]
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:
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
|
Why can't I limit all sharing? | Federal law gives you the right to limit only
|
Definitions | |
Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies.
|
Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|
Joint marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you
|
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:
|
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
|
Why can't I limit all sharing? | Federal law gives you the right to limit only:
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.
|
Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|
Joint marketing | A formal agreement between nonaffiliated financial companies that together 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:
|
¿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:
|
¿Por qué no puedo limitar toda la divulgación? | Las leyes federales le otorgan el derecho de limitar la divulgación solamente en los siguientes casos:
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:
|
Empresas no filiales | Empresas no relacionadas por propiedad o control común. Pueden ser empresas financieras y no financieras.
|
Comercialización conjunta |
Un acuerdo formal entre compañías financieras no filiales que juntas comercializan productos o servicios financieros para usted.
|
Otra información importante | |
Consulte a continuación las declaraciones informativas importantes específicas del estado. |
- Llame:
- Para Achieve.com: 800-655-6303.
- Para Achieve Personal Loans/Achieve Loans: 800-297-5879.
- Para Freedom Resolution: 800-655-6303.
- Correo electrónico:
- Para Achieve.com: [email protected]
- Para préstamos/préstamos personales de Achieve: [email protected]
- Para Freedom Resolution: [email protected]