CONSUMER PRIVACY POLICY NOTICE


FACTS WHAT DOES MODERN FINANCIAL 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.

What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number and income
  • Account balances, account transactions and payment history
  • Credit history and credit scores
When you are no longer our customer, we continue to share your information as described in this notice.

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 MODERN FINANCIAL chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does MODERN FINANCIAL 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		 No We don't share
For joint marketing with other financial companies No We don't share
For our affiliates' everyday business purposes
Information about your creditworthiness		 No We don't share
For non­affiliates to market you No We don't share

What we do
How does MODERN FINANCIAL 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 MODERN FINANCIAL collect my personal information? We collect your personal information, for example, when you:
  • Apply for a credit sale
  • Give us your income information;
  • Provide employment information
  • Give us your contact information
  • Pay us by check
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
  • sharing for affiliates' everyday business purposes-information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • MODERN FINANCIAL has no affiliates.
Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • MODERN FINANCIAL does not share information with nonaffiliates so they can market to you
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • MODERN FINANCIAL doesn't jointly Market.

Other important information
We will notify you if any of the information in this Notice changes.