Privacy Policy
TJD Financial Services, Inc.
Introduction:
In this Privacy Policy, the words you and your mean the Applicant named above. The term CSO, we, us, or our means the CSO named
above. The term Lender means a third-party that the CSO has identified as willing to make a loan to you. These terms also include each person's respective heirs, personal representatives, successors, and assigns, as applicable.
TJD Financial Services, Inc. respects customer privacy and protecting it is very important to us. Because keeping customers’ information secure is a priority to us, we want you to understand our intended collection and disclosure policies concerning your personal information.
If you provide us non-public personal information you may opt out of our sharing information with non-affiliated companies. Please see the
Opt Out Notice section at the end of this policy.
Confidentiality and Security/With Whom We May Share Your Information
We restrict access to nonpublic personal information about you to the following:
1. Those employees who in the normal course of business help to provide services to you,
2. The Lender,
3. Third party entities and financial service providers that deliver services to us (such as consumer credit reporting agencies),
4. Any entity necessary to effect, administer or enforce a transaction that you have requested or authorized,
5. Courts and other governmental agencies upon legal process,
6. Credit reporting agencies, and
7. In the event of nonpayment, a debt collector or a repossessor of collateral at the request of the Lender.
The law permits us to share information about our current and former customers with government agencies or authorized third parties under certain circumstances. For example, we may be required to share such information in response to subpoenas or to comply with certain laws.
We maintain physical, electronic, and procedural safeguards to guard your nonpublic personal information from unauthorized access.
Information We May Collect
We gather customer information that is needed to administer our business, provide services to our customers, and to complete your transactions. The categories of nonpublic personal information that may be collected about you include:
• Information we receive from you on applications, registration forms for electronic payment or ACH transactions, or other forms (such as your name, address, phone number, driver’s license, military identification, federal identification, state identification, or Social Security Number);
• Information about your transactions with us or third party lenders (such as account activity, payment history, or account balance); and
• Information we receive from a consumer reporting agency (such as your creditworthiness or credit history).
Our web sites may make use of "cookie" technology to measure site activity and to customize information to your personal tastes. A cookie is a "memory" file that may be placed on your hard drive by the computer which supports our web site when you visit the web site. When you revisit that web site, the computer can recognize you as a prior visitor and identify some areas which you previously visited. No personal information is stored in the cookies. When you come back to visit us again, we can tailor information to suit your individual preferences. The goal is to save you time and provide you with a more meaningful visit.Internet Security Disclosure
We have implemented a commercially recognized high level of security for transmitting personal information via the Internet.
Our encryption technology, as well as our Web site’s security in general, are certified periodically. This provides you with the reassurance that our internet security system conforms to the industry standards.
We strive to protect your data and safeguard it from access by unauthorized individuals. However, the Internet is generally accessible by the public, and information which is available on the Internet (including the information supplied by you on this Web site or sent to an e-mail address provided by you) is potentially accessible by unintended third parties. Your use of this Web site and your disclosure of personal information through this Web site, on or through any server, is at your own risk, and we provide alternative means for you to transact with us (such as in person or via the postal service). Although we will use commercially reasonable efforts to safeguard your data, we do not guarantee the security of any user provided data.
Notice of changes
We reserve the right to alter our privacy policy from time to time. Our customers will receive written or e-mail notifications of these changes. The effective date of this policy, stated above, indicates the last time this policy was revised or materially changed. Checking the effective date below allows you to determine whether there have been changes since the last time you reviewed the policy.
OPT OUT NOTICE - NON-PUBLIC PERSONAL INFORMATION
We do not share non-public personal information about you with third parties except those listed above. At no time does non-public personal information about you go to third parties for them to market their products or services to you. Therefore, there is no need to opt out of such a sharing of information because it will not happen.
OPT OUT NOTICE - CREDIT SERVICES AND LOAN TRANSACTION INFORMATION
We do not share CSO information about you with third parties, other than as permitted by law or necessary to administer, effect and provide the services requested by you.
At no time does CSO information about you go to third parties for them to market their products or services to you. Therefore, there is no need to opt out of such sharing of information because it will not happen.
OPT OUT PROCEDURE
You may exercise your right to opt out by mailing a written, signed, and dated document to [Lender address] that states your name, address, phone number, and email address and which states either or both of the following:
1) Do not share non-public personal information about me with third parties, other than as permitted by law or necessary to administer, effect and provide the services requested by me, or
2) Do not share non-public personal information about me with third parties for them to market their products or services to me.
The privacy policy is posted at www.tjdfinancialservices.com
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Third-Party Lender Privacy Policy
Introduction
In this Privacy Policy, the words you and your mean the Applicant named above. The term Lender, we, us, or our means the Lender named above. The term CSO means the credit services organization with whom you have sought their help in finding an entity (such as us) willing to loan money to you.
Respecting and protecting customer privacy is important to us. Keeping customers’ information secure is a priority, and we want you to be aware of our intended collection and disclosure of your personal information.
If you provide us non-public personal information you may opt out of our sharing information with non-affiliated companies. Please see the
Opt Out Notice section at the end of this policy.
Confidentiality and Security/With Whom We May Share Your Information
We restrict access to non-public personal information about you to the following:
1. Those employees who need to know your information to provide services to you,
2. The CSO,
3. Third party entities and financial service providers that deliver services to us (such as consumer credit reporting agencies),
4. Any entity necessary to effect, administer or enforce a transaction that you have requested or authorized,
5. Courts and other governmental agencies upon legal process,
6. Credit reporting agencies, and
7. In the event of nonpayment, a debt collector or a repossessor of collateral.
If this loan is assigned, the assignee will have its own privacy policy and you are urged to inquire from any assignee what its policy is. In the event that we transfer your obligations to a third party and we also transfer the servicing of those obligations, then this privacy policy will only apply to the information regarding you that we retain, and is not binding on the purchaser of the obligation and its servicer. The law permits us to share information about our current and former customers with government agencies or authorized third parties under certain circumstances. For example, we may be required to share such information in response to subpoenas or to comply with certain laws, such as the Fair Credit Reporting Act. We maintain physical, electronic, and procedural safeguards to guard your non-public personal information from unauthorized access.
Information We May Collect
We gather customer information that is needed to administer our business, provide services to our customers, and to complete your transactions. The categories of non-public personal information that may be collected about you include:
• Information we receive from you on loan applications, registration forms for electronic payment or ACH transactions, or other forms
(such as your name, address, phone number, drivers license, Military identification, or state or federal identification or Social Security Number);
• Information about your transactions with us (such as account activity, payment history, or account balance); and
• Information we receive from a consumer reporting agency (such as your creditworthiness or credit history).
Our web sites make use of "cookie" technology to measure site activity and to customize information to your personal tastes. A cookie is a "memory" file that may be placed on your hard drive by the computer which supports our web site when you visit the web site. When you revisit that web site, the computer can recognize you as a prior visitor and identify some areas which you previously visited. No personal information is stored in the cookies. When you come back to visit us again, we can tailor information to suit your individual preferences. The goal is to save you time and provide you with a more meaningful visit.Internet Security Disclosure We have implemented a commercially recognized high level of security for transmitting personal information via the Internet. Our encryption technology, as well as our Web site’s security in general, are certified periodically. This provides you with the reassurance that our internet security system conforms to the industry standards. We strive to protect your data and safeguard it from access by unauthorized individuals. However, the Internet is generally accessible by the public, and information which is available on the Internet (including the information supplied by you on this Web site or sent to an e-mail address provided by you) is potentially accessible by unintended third parties. Your use of this Web site and your disclosure of personal information through this Web site, on or through any server, is at your own risk, and we provide alternative means for you to transact with us (such as in person or via the U.S. postal service). Although we will use commercially reasonable efforts to safeguard your data, we do not guarantee the security of any user provided data.
Notice of changes
We reserve the right to alter our privacy policy from time to time. Our customers will receive written or e-mail notifications of these changes. The effective date of this policy, stated above, indicates the last time this policy was revised or materially changed. Checking the effective date below allows you to determine whether there have been changes since the last time you reviewed the policy.
OPT OUT NOTICE - NON-PUBLIC PERSONAL INFORMATION
We do not share non-public personal information about you with third parties except those listed above. At no time does non-public personal information about you go to third parties for them to market their products or services to you. Therefore, there is no need to opt out of such a sharing of information because it will not happen.
OPT OUT NOTICE - CREDIT SERVICES AND LOAN TRANSACTION INFORMATION
We do not share loan and credit transaction information about you with third parties, other than as permitted by law or necessary to administer, effect and provide the services requested by you.
At no time do loan and CSO information about you go to third parties for them to market their products or services to you. Therefore, there is no need to opt out of such sharing of information because it will not happen.
OPT OUT PROCEDURE
You may exercise your right to opt out by mailing a written, signed, and dated document to [Lender address] that states your name, address, phone number, and email address and which states either or both of the following:
1) Do not share non-public personal information about me with third parties, other than as permitted by law or necessary to
administer, effect and provide the services requested by me, or
2) Do not share non-public personal information about me with third parties for them to market their products or services to me.
