Privacy Policy


The lender for your account is identified in your account agreement. Your account agreement, along with the Privacy Policy for your account, is available online after you Sign In.

First Bank & Trust Privacy Policy – Personal Loans issued by First Bank & Trust, Member FDIC.

Credit Shop, Inc. Privacy Policy – Personal Loans and Lines of Credit issued on or before November 1, 2017 by Credit Shop, Inc.

First Bank & Trust Privacy Policy

 
Rev. July 2017
FACTS WHAT DOES FIRST BANK & TRUST 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
  • Payment history and credit history
  • Credit card or other debt and employment information
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 First Bank & Trust chooses to share; and whether you can limit this sharing.
 
Reasons we can share your personal information Does First Bank & Trust 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 No We do not share.
For our affiliates’ everyday business purposes — information about your transactions and experiences Yes No
For our affiliates’ everyday business purposes — information about your creditworthiness No We do not share.
For our affiliates to market to you No We do not share.
For nonaffiliates to market to you Yes Yes
 
To limit our sharing
  • Mail the form below.
Please note:

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.
 
Questions? Call 800-317-9240
 
Mail-in Form
If you have a joint account, your choice(s) will apply to everyone on your account unless you mark below.

Apply my choices only to me.
Mark any/all you want to limit:
Do not share my personal information with nonaffiliates to market their products and services to me.
Name Mail to:

CreditShop
PO Box 21357
Lehigh Valley, PA 18002-1357
Address
City, State, ZIP
Account #
 
Who we are First Bank & Trust, 520 Sixth Street, Brookings, South Dakota 57006
 
What we do
How does First Bank & Trust 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 First Bank & Trust collect my personal Information? We collect your personal information, for example, when you:
  • Open an account or apply for a loan
  • Give us your income information or provide employment information
  • Give us your contact information
We also collect your personal information from others, such as credit bureaus, 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. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else. Your choices will apply to everyone on your account.
 
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • First Bank & Trust affiliates include companies such as:
    • Fishback Financial Corporation – Brookings, SD
    • First Bank & Trust – Sioux Falls, SD
    • Fishback Insurance Agency
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Nonaffiliates we share with can include financial companies to offer additional products and services.
Joint Marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you.
  • First Bank & Trust does not jointly market.
 
Other Important Information
California: In accordance with California law, we will not share information we collect about you with companies outside of our corporate family, except as permitted by law, including, for example, with your consent or to service your account. We will limit sharing among our companies to the extent required by California law.

Vermont: Under Vermont law, we will not share information we collect about Vermont residents with companies outside of our corporate family, unless the law allows. For example, we may share information with your consent or to service your accounts. 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.
    -
 

Credit Shop, Inc. Privacy Policy

Rev. December 2017
 
Reasons we can share your personal information Does CreditShop 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 No We don't share.
For our affiliates’ everyday business purposes — information about your creditworthiness No We don't share.
For nonaffiliates to market to you No We don't share.
 
Questions? Go to www.creditshop.com.
 
What we do
How does CreditShop 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 CreditShop collect my personal Information? We collect your personal information, for example, when you:
  • Open an account or apply for a loan
  • Give us your income information or provide employment information
  • Give us your contact information
We also collect your personal information from others, such as credit bureaus, 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. See below for more on your rights under state law.
 
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Our affiliates include companies with the name Credit Shop or CreditShop.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • CreditShop does not share with nonaffiliates so they can market to you.
Joint Marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you.
  • CreditShop does not jointly market.
 
Other Important Information
California Residents. California law places additional limits on sharing your personal information.  Please see the enclosed “Important Privacy Choices for Consumers” notice provided to you describing your ability to limit our sharing for joint marketing and follow the instructions in the notice.

Vermont Residents. If you are a resident of the State of Vermont, the information we share for joint marketing is limited to your name and contact information, and our own transaction and experience information.
 
Important Privacy Choices for Consumers
You have the right to control whether we share some of your personal information. Please read the following information carefully before you make your choices below.

Your Rights

 

You have the following rights to restrict the sharing of personal and financial information with outside companies that we do business with. Nothing in this form prohibits the sharing of information necessary for us to follow the law, as permitted by law, or to give you the best service on your accounts with us. This includes sending you information about some other products or services.

 

Your Choice

 

Restrict Information Sharing With Other Companies We Do Business With To Provide Financial Products And Services: Unless you say ‚ "No" we may share personal and financial information about you with outside companies we contract with to provide financial products and services to you.

 

[__] NO, please do not share personal and financial information with outside companies you contract with to provide financial products and services.

 

Time Sensitive Reply

 

You may make your privacy choices(s) at any time. Your choice(s) marked here will remain unless you state otherwise. However, if we do not hear from you we may share some of your information with affiliated companies and other companies with whom we have contracts to provide products and services.

 

Name: ___________________
Account or Policy Number(s): _______________________
Signature: ___________________________

 

To exercise your choices do one of the following:

 

(1) Fill out, sign and send back this form to us at the following address (you may want to make a copy for your records):
CreditShop PO Box 21357, Lehigh Valley, PA 18002-1357  

(2) Call this toll-free number: 800-317-9240

(3) Use the “California Opt-Out Form” on this page to provide your e-mail address and submit the form.