Personally Identifiable Information. We may also ask you to provide personally identifiable information (“PII”) on the Site, which may include, but is not limited to, your name, address, telephone number, date of birth, social security number, employer name, and email address. This information can be gathered when you send us an email, or when you complete the specific web page registration form, or the loan application. In all cases, you choose whether to provide us with the PII, but without the requested PII, certain portions of the Site may not be available to you, or we may not be able to effectively respond to your inquiries.
My Account. In order to use our services on the Site, you must provide us the following information to create an account: your first and last name, your email address, phone number, and a password. Like other passwords, you should choose one that is sufficiently complex and known only by you. We will also collect your birth date to determine if you are of legally sufficient age to use Credit4Work! services. We may also ask you to provide additional personal information regarding your customer account with Credit4Work!. This additional information may include existing account numbers, social security number, bank account numbers and so forth.
USE AND DISCLOSURE OF INFORMATION
Affiliate and Non-Affiliate Use
The personal information we collect comes from the following sources:
- Information we receive from you, such as your name, address, and telephone number;
- Information about your transactions with us, such as your loan balances, payment history, and loan activity; and
- Information we receive about you from other sources, such as your employer or other third parties.
We may disclose any of the above information that we collect to affiliates and nonaffiliated third parties as described below.
Affiliates to Whom We May Disclose Personal Information
Our affiliates are the family of companies controlling, controlled by, or under common control with Credit4Work!. We may disclose your personal information to affiliates in several different businesses, including banking, consumer finance, insurance and securities. Our affiliates include those doing business under the Credit4Work! name. Our ability to share information with our affiliates helps us provide you with quality products and services. Unless otherwise permitted by law, you may opt out of having us disclose other information that you provide to us, or that we obtain from third parties (for example, your employer), to our affiliates by contacting us directly at [email protected] or by calling our toll-free number 800-409-3765.
Nonaffiliated Third Parties to Whom We May Disclose Personal Information
Nonaffiliated third parties are those not part of the family of companies controlling, controlled by, or under common control with Credit4Work!. We may disclose personal information (except your account number and/or access codes) about you to the following types of nonaffiliated third parties: (1) financial services providers, such as companies engaged in banking, credit cards, consumer finance, securities, and insurance businesses; and (2) non-financial companies, such as companies engaged in direct marketing, or consumer products and services. However, you may choose to opt out of having your personal information disclosed to nonaffiliated third parties by contacting us directly at [email protected] or by calling our toll-free number 800-409-3765.
We may disclose PII in order to respond to a subpoena, court order, law enforcement agency request, or as required by law. We may also disclose your personal information to third parties as permitted by law, such as disclosures necessary to process and service your loan or loans, to protect against fraud, and to protect the security or confidentiality of our records.
We may provide your PII to a third party if we file for bankruptcy, or there is a transfer of our assets or ownership in connection with proposed or consummated corporate reorganizations, such as mergers, acquisitions or sales of business units.
Uses by Third Parties. We do not provide your PII to third parties for their marketing purposes without your prior request or consent. Credit4Work! works closely with certain businesses to provide you with products and services. These businesses may occasionally, make special offers available to Credit4Works!’ Site customers. If you request to receive information about these offers, we will share your personal information with these companies so that they can send you details about special offers. You should know in advance, each of these companies has its own policies with respect to the collection and use of personal information. Credit4Work! is not responsible for third party use of your information.
We take reasonable steps to protect the personal information submitted to us, both during transmission and once it is received. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we strive to protect your personal information, we cannot guarantee its absolute security. There may be security, transmission or other risks associated with the use of the Internet, the Site and Credit4Work! online services, and you expressly assume any and all such risks. Accordingly, you are responsible for obtaining all software, hardware, or other equipment necessary to safely use the Site and Credit4Work! online services and mitigate such risks, including, without limitation, the use of up-to-date web-browsers and appropriate encryption, antivirus, anti-spyware, and Internet security software. You are also responsible for maintaining the confidentiality of your login information, including user name and password. You are also responsible for all uses of your password, whether or not authorized by you. You must inform us immediately of any unauthorized online access of your user name or password.
INQUIRIES, CORRECTIONS AND COMPLAINTS
You are responsible for ensuring that the personal information you have submitted or access through the Site is accurate and complete. Please contact us immediately if you notice suspicious account activity or changes to your profile you did not request.
P.O. Box 331339
Coconut Grove, FL 33133
Attn: Customer Care
If you wish to modify or update any information we have received, please contact us at: [email protected].
Effective Date: February 20, 2017.