| FACTS | WHAT DOES Credit Cube DO WITH YOUR PERSONAL INFORMATION? |
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| Why? | Financial companies choose how they share your personal information. Consumers have the right to limit some but not all sharing. This notice tells 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: • Information you enter in your loan application, including, but not limited to, personal information such as date of birth, Social Security number, checking account information, contact information, and loan amount requested. • Payment history and income • Employment information and wire transfer instructions • Tracking data such as IP address, data and time stamps, geolocation data, and your activity on our site. 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 reason Credit Cube chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does Credit Cube share? | Can you limit this sharing? |
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| 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 | Yes |
| 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
- Unsubscribe from our marketing newsletter by clicking the unsubscribe link at the bottom of the email.
- Contact us via email at support@creditcube.com
- Call 888-885-5646 – our menu will prompt you through your choices or
- Visit us on the web at www.creditcube.com
Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we can share your information as described in this notice. However, you can contact us at any time to limit our sharing. Additionally, if your application for a loan is denied, we may share your information with third-parties immediately upon denial of your application.
Questions?
Call 1-888-885-5646 or go to www.creditcube.com
Who we are
| Who is providing this notice? | Credit Cube, a business wholly-owned by the Big Valley Band of Pomo Indians of the Big Valley Rancheria, is providing this privacy policy. |
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What we do
| How does Credit Cube protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures. These measures include computer safeguards and secured files and buildings. |
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| How does Credit Cube collect my personal information? | We collect your personal information, for example, when you • Apply for a loan • Give us your income information • Tell us where to send the money • Provide account information • Provide employment information We also collect your personal information from others, such as credit bureaus, affiliates or other companies. |
| Why can’t I limit all sharing? | You have 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 • Sharing for our marketing purposes – to offer our products and services to you |
| 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 nonfinancial companies. • Our affiliates include other business entities of the Big Valley Band of Pomo Indians of the Big Valley Rancheria |
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| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with can include: • Service providers, data processors, advertisers, direct mail companies, lead providers and other authorized nonaffiliates. |
| Joint marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Credit Cube does not jointly market. |