| FACTS | WHAT DOES EFOA DO WITH YOUR PERSONAL INFORMATION FROM YOUR PREFERRED CREDIT ACCOUNT? |
| 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:
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| HOW? | All financial companies need to share customers’ information to run their everyday business. In the section below we list the reasons financial companies can share their customers’ personal information; the reasons CREDITOR chooses to share; and whether you can limit this sharing. |
| REASONS WE CAN SHARE YOUR PERSONAL INFORMATION | Does EFOA share? | Can you limit this sharing? |
| For our everyday business purposes – Such as to process your transactions, maintain your account, 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 nonaffiliates to market to you | Yes | Yes |
| Questions? | Call us at 1-844-435-EFOA (3362) or go to www.employeefundingofamerica.com
If you are a new customer, with respect to those circumstances in which you can limit our sharing, 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. |
| Email us support@employeefundingofamerica.com |
| Who is providing this notice? | Employee Funding of America, LLC |
| How does CREDITOR 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 CREDITOR collect my personal information? | We collect your personal information, for example, when you
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
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 choice will apply to everyone on your account. |
| Affiliates | Companies related by common ownership or control. They can be financial or nonfinancial companies.
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| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
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| Joint marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
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| If you live in Vermont, we will not share information about your creditworthiness for our affiliates’ everyday business purposes and we will not share information for nonaffiliates to market to you. If you live in California, we will not share information for our affiliates or nonaffiliates to market to you, and we will not share your information for joint marketing with other financial companies. | |