Last Updated and Effective: February 1, 2023
WHAT DOES HABITFACTORY USA, INC.
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.|
The types of personal information we collect and share
depend on the product or service you 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 HabitFactory USA, INC. chooses to share, and whether you can limit this sharing.|
|Reasons we can share your personal information||Does HabitFactory USA, INC. share?||Can you limit this sharing?|
|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||No|
|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 affiliates to market to you||Yes||Yes|
|For nonaffiliates to market to you||Yes||Yes|
|To limit our sharing||
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 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|
|What we do|
|How does HabitFactory USA, INC. 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.
We use encryption in the transmittal of your sensitive personal information between your systems and ours and we use firewalls.
|How does HabitFactory USA, INC. collect my personal information?||
We collect your personal information, for example, when
|Why can’t I limit all sharing?||
Federal law gives you the right to limit only
|What happens when I limit sharing for an account I hold jointly with someone else?||Your choices will apply to everyone on your account.|
|What we do|
Companies related by common ownership or control. They can
be financial and nonfinancial companies.
Companies not related by common ownership or control. They
can be financial and nonfinancial companies.
A formal agreement between nonaffiliated financial companies
that together market financial products or services to you.
|Other important information|
NV: If you are consumer with a Nevada
mailing address, and you prefer not to receive marketing
calls from us, you may be placed on our internal Do Not Call
List by contacting us at 213-426-1118.;
https://www.loaning.ai. /about/contact-us/; 3435 Wilshire
Blvd. Ste. 1940 Los Angeles, CA 90010. You may also contact
the Nevada Attorney General's office: Bureau of Consumer
Protection, Office of the Nevada Attorney General, 555 E.
Washington St., Suite 3900, Las Vegas, NV 89101; telephone
number: 1-702-486-3132; email
VT: If you are consumer with a Vermont mailing address, we will not share information we collect about you with companies outside of HabitFactory USA, INC., unless the law allows. For example, we may share information with your consent, to service your accounts or under joint marketing agreements with other financial institutions with which we have joint marketing agreements. We will not share information about your creditworthiness within our corporate family except with your consent, but we may share information about our transactions or experiences with you within our corporate family without your consent.
CA: If you are a consumer with a California mailing address, we will not share information we collect about you with companies outside of HabitFactory USA, INC., unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits to which you are entitled.