Rev. December 2017
FACTS WHAT DOES CREDITSHOP, INC. 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 CreditShop chooses to share; and whether you can limit this sharing.
 
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.