|FACTS||WHAT DOES CREDIT NEEDS 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 apply for or 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 CREDIT NEEDS (“CREDIT NEEDS”) chooses to share; and whether you can limit this sharing.|
|Reasons we can share your personal information||Does CREDIT NEEDS share?||Can you limit this sharing?|
|For our everyday business purposes –|
such as to process your application and 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 financial companies||No||N/A|
|For our affiliates’ everyday business purposes –|
information about your transactions and experiences
|For our affiliates’ everyday business purposes –|
information about your credit worthiness
|For our affiliates to market to you||Yes||Yes|
|For nonaffiliates to market to you||No||N/A|
To limit our sharing
- Call 949-861-4881 – our menu will prompt you through your choice(s)
- Mail the form below
If you are a new customer, we can begin sharing your information thirty (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.
|Who we are|
|Who is providing this notice?||CREDIT NEEDS|
|What we do|
|How does CREDIT NEEDS 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 CREDIT NEEDS. collect my personal information?||We collect your personal information, for example, when you|
We also may collect your personal information from others, such as credit bureaus, affiliates, fraud detection services or other companies. We and our third-party service providers may use a variety of technologies that automatically (or passively) store or collect certain information whenever you visit or interact with the company (“Usage Information”). This Usage Information may be stored or accessed using a variety of technologies that may be downloaded to your personal computer, browser, laptop, tablet, mobile phone or other device (a “Device”) whenever you visit or interact with us. The Usage Information may include, but is not limited to, your browser type, operating system, software version, Internet Protocol (“IP”) address or other unique identifier for your Device, Device location and other Device characteristics. Various methods and technologies to store or collect Usage Information may be used such as Cookies and Web Beacons. You may adjust your browser or operating system settings to limit this tracking or to decline cookies, but by doing so, you may not be able to use certain features on the company site or take full advantage of all of our offerings. Check the “Help” menu of your browser or operating system to learn how to adjust your tracking settings or cookie preferences. Please note that our system may not respond to Do Not Track requests or headers from some or all browsers.
|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 below 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 – unless you tell us otherwise.|
|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.|
CREDIT NEEDS does not share your personal information with non-affiliates.
|Joint Marketing||A formal agreement between nonaffiliated financial companies that together market financial products or services to you.|
CREDIT NEEDS does not jointly market.
Other important information
If you are a California resident, you have the right to receive:
- Information identifying any third party company(ies) to whom we may have disclosed, within the past calendar year, personal information pertaining to you and your family for the company’s provision of services or marketing purposes; and
- A description of the categories of personal information disclosed.
To obtain such information you must make a request in writing. Your request must include your name registration (email address), the site name you visited and a return address or it will not be processed. We will not honor such requests more than once per calendar year. Requests made via email will not be accepted. Please mail your request to the address listed below.