Protecting your privacy is important to ABJT Funding and our employees. We want you to understand what information we collect and how we use it. In order to provide our customers with short term loans as effectively and conveniently as possible, we use technology to manage and maintain customer information. The following policy serves as a standard for all employees for collection, use, retention, and security of nonpublic personal information related to our short term programs.
We may collect "nonpublic personal information" about you from the following sources: Information we receive from you on applications or other loan forms, such as your name, address, social security number, assets and income; Information about your loan transactions with us, such as your payment history and loan balances; and Information we receive from third parties, such as consumer reporting agencies and other lenders, regarding your creditworthiness and credit history. "Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a short-term loan to you. For example, as noted above, nonpublic personal information includes your name, social security number, payment history, and the like.
We are permitted by law to disclose nonpublic personal information about you to third parties in certain circumstances. For example, we may disclose nonpublic personal information about your short-term loans to consumer reporting agencies and to government entities in response to subpoenas. Such disclosures are made as necessary to effect, administer and enforce the loan you request or authorize. Otherwise, we do not disclose nonpublic financial information about our customers or former customers to anyone, except as permitted by law. If you become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.
If we extend credit to a consumer, we will consider the bank account information provided by the consumer as eligible for us to process payments against. In addition, as part of our information collection process, we may detect additional bank accounts under the ownership of the consumer. We will consider these additional accounts to be part of the application process.
We do not sell or share identifiable personal information with entities outside our circle of companies and associates. We have posted policies regarding the security and privacy of your personal and financial information. You do not have to do anything to prevent sharing of your nonpublic personal information. Our employees and associates sign confidentiality statements protecting your personal information. We collect Information to service your account and grant credit to you. We contract with various outside consumer-reporting services to verify the information you have given us when permitted by law. These companies assist us in fulfilling your service request/ processing your transaction and sending us account information and status. If we extend credit to you, we will consider the bank account information provided by the consumer as eligible for us to process payments against. In addition, as part of our information collection process, we may detect additional bank accounts under your ownership. We will consider these additional accounts to be part of the application process. We may provide information to credit bureaus, subpoenas and state and federal audits and the sale of your account to another financial institution as provided by law. If you find that your account information is out of date, inaccurate or incomplete, please call, write, or send an e-mail to us and we will promptly update or correct your erroneous information.
You hereby grant Lender and/or its assignees its express written consent to communicate with you by any telephone (home, work or mobile), SMS text messages, automatic dialer, Email, and any other electronic forms of communication. From time to time you may receive a 3rd party marketing message via email, sms, phone as apart of our customer benefits program.
We also take steps to safeguard customer information. We restrict access to nonpublic personal information about you to those of our and our servicer’s employees who need to know that information to provide short-term loans to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.