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:
Social Security Number and income
Account balances and transaction history
Credit scores and credit history
When you are no longer our customer, we continue to share your information as described in this notice.
All financial companies must 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 Encore Sales and Marketing, LLC chooses to share, and whether you can limit this sharing.
We use security measures that comply with federal law to protect your personal information from unauthorized access and use. These measures include computer safeguards and secured files and building.
We collect your personal information, for example, when you
Open an account or apply for a loan
Pay your bills or deposit or withdraw money
Use your debit account
We collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Federal law gives you the right to limit only.
Sharing for affiliates’ everyday business purposes
Information about creditworthiness
Affiliates from using the information to market to you
Sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Affiliates are companies related by common ownership or control. They can be financial and nonfinancial companies.
Encore Sales and Marketing, LLC does not share with our affiliates
Non-affiliated Companies are not related by common ownership or control. They can be financial and nonfinancial companies.
Encore Sales and Marketing, LLC does not share with non-affiliates so they can market to you.
Joint marketing : A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Encore Sales and Marketing, LLC may partner with certain non-affiliated financial companies to offer financial products and services to you.
Special Notice for Residents of Certain States:
Residents of California and Vermont: In accordance with state law, we will not share your personal information with non-affiliates except as permitted by law, including, for example, for our own marketing purposes, for everyday business purposes, such as servicing your account, or with your consent.
Residents of Nevada: You are being provided this notice pursuant to Nevada law.
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