Privacy Policy

FACTS

WHAT DOES (doing business as ) DO WITH PERSONAL INFORMATION PROVIDED BY YOU?


Why?

Financial companies make their own choices about how they will share your personal information. However, federal law gives all consumers the right to limit some of, but not all sharing. Federal law also requires financial companies to tell you as a consumer how we collect and share, and how we protect your personal information. Please read this notice carefully to understand what we do and why.

What?

The type of personal information we collect and share depends on the products or services you have with us. Typically, this information can include:

  • Checking account information and Social Security number
  • Income and transaction history
  • Account balances and credit history


How?

All financial companies have the need to share their customers’ personal information in order to run their everyday business. In the below section, we list all the reasons financial companies have the ability to share their customers’ personal information; the reasons chooses to share this information; and whether you have the ability to limit this sharing.

You cannot limit the sharing of your personal information for everyday business needs – to process your transactions, maintain your account(s), respond to legal investigations and court orders, or report to a credit bureau. Your personal information also cannot be limited for any of the following; for marketing needs – to offer our services and products to you, for joint marketing ventures with other financial companies, for affiliates’ everyday business needs – info about your transactions and experiences. You can limit the sharing of your information for the following; for affiliates’ everyday business needs – info about your creditworthiness, for our affiliates to market direct to you, for non-affiliates to market direct to you.

TO LIMIT OUR SHARING

  • Call 866-971-7538 and follow our menu prompts to make your choice(s) or
  • Visit us online: .

Please note:

If you are a new customer, we are able to begin sharing your information 30 days from the date we sent you this notice. When you are no longer a customer of ours, we can continue to share your information as described in this notice.

However, you are able to contact us at any time to limit what we can share as tabled above.


QUESTIONS?

Call 866-971-7538 or write us at Springates Building, Lower Government Road, Charlestown, Nevis, Saint Kitts and Nevis.


WHO ARE WE

Who is providing you this notice:


WHAT DO WE DO

What measures does take to protect my personal information?

To protect your personal information from unauthorized use and access, we use security measures that are compliant with federal law. They include computer safeguards and secure files and buildings.

How is my personal information collected by ?

We collect your personal information when you, for example

  • Submit a request for a loan
  • Provide your contact information
  • Request help in obtaining a loan

We also collect personal information from elsewhere, such as affiliates, credit bureaus, or other companies.

Why am I not able to limit all sharing?

Under federal law you only have the right to limit

  • Sharing as part of affiliates’ everyday business needs – info about your creditworthiness
  • Affiliates from utilizing your information to market you
  • Sharing allowing non-affiliates to market you

State laws and some individual companies may give you additional rights to limit sharing.

What happens when I limit sharing on an account that I jointly hold with someone else?

Your choices apply to everyone linked to your account.


DEFINITIONS

Affiliates

Companies that are related by common control or ownership. They can be both financial and non-financial companies.

Non-affiliates

Companies that are not related by common control or ownership. They can be both financial and non-financial companies.

Joint Marketing

A formalized agreement between non-affiliated financial companies that combine to market financial services or products to you.


OTHER IMPORTANT INFORMATION

Any modifications to this Privacy Policy will be posted here and are deemed to be in effect upon posting and without additional prior notice to you. We do not have a process in place giving consumers the ability to review and request changes to any personally identifiable information collected here.

Vermont residents: We will not disclose your personal information with affiliates or non-affiliated, third party companies or other financial institutions, other than as permitted or required by law, without your express permission.

California residents: We will not disclose information we have collected about you with affiliated or non-affiliated third parties, except in those limited circumstances as permitted under state law, or if you give us your permission (ie, via a request form). Please note in order to provide better services to our consumers, when we receive a ‘Do Not Track’ signal, we may choose ignore such signals. Other parties may collect personally identifiable information about individual consumers’ activities online over time and across different websites when a consumer chooses to use our website or service.

North Dakota residents: We will not disclose information we have collected about you with non-affiliated, third party companies or financial institutions, other than as permitted or required by law, without your express permission.

Nevada residents: If you would like to receive more information regarding this notice or more about Nevada’s law regarding corporate do-not-call registries, contact us at the toll-free number or address included in this notice or contact the Bureau of Consumer Protection, Office of the Nevada Attorney General at 555 E. Washington Street, Suite 3900, Las Vegas, Nevada 89101; Phone: (702)486-3132; Email: BCPINFO@ag.state.nv.us.