Privacy Policy

Rev. November 2019

FACTS

WHAT DO 2262011 ONTARIO HOLDINGS, INC AND IT’S AFFILIATES (COLLECTIVELY REFERRED TO HERE AS “MONEYKEY”) 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 type of personal information we collect and share depends on the product or service you apply for with MoneyKey. This information can include: Social Security Number and bank account information Account balances and income Payment history and credit history

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 reason MoneyKey chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does MoneyKey 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– 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	Yes	No
For our affiliates’ everyday business purposes – about your creditworthiness	Yes	Yes
For our affiliates to market to you	Yes	Yes
For non-affiliates to market to you	Yes	Yes

Who we are

Who is providing this notice?

MoneyKey, and its Affiliates, is providing this notice, and it applies to all loans and lines of credit made, arranged, serviced or guaranteed by MoneyKey and its Affiliates, and all products and services offered in connection with such loans and lines of credit.

What we do

How does MoneyKey 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 MoneyKey collect my personal information?

We collect your personal information, for example, when you

apply for a loan or line of credit
give us your income information
tell us where to send the money
provide account information
provide employment information

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. 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 a MoneyKey name, such as 2288984 Ontario Inc., MoneyKey – AL, Inc., MoneyKey – CA, Inc., MoneyKey – DE, Inc., MoneyKey – ID, Inc., MoneyKey – IL, Inc., MoneyKey – KS, Inc., MoneyKey – MS, Inc., MoneyKey – MD, Inc., MoneyKey – MO, Inc., MoneyKey – NM, Inc., MoneyKey – OH, Inc., MoneyKey – SC, Inc., MoneyKey – TN, Inc., MoneyKey – TX, Inc., MoneyKey – UT, Inc., MoneyKey – VA, Inc., and MoneyKey – WI, Inc.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Nonaffiliates we share with can include other lenders and direct marketing companies.

Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

Our joint marketing partners can include institutions such as other lenders or marketers.

Other important information

If we extend credit to a consumer, or guarantee credit offered to a consumer by an unaffiliated 3rd party lender, we will consider the bank account information provided by the consumer as eligible for us to process payments against. In addition, as part of our information collection process, we may detect additional bank accounts under the ownership of the consumer. We will consider any information collected about these additional accounts as part of the consumer’s application and may use such information in our underwriting processes.

California residents:

MoneyKey’s disclosure of personal information is governed by the Gramm-Leach-Bliley Act, 15 U.S.C. §§6801 et seq. (the “GLBA”). The California Consumer Privacy Act, Title 1.81.5 §§1798.100 et seq. and implementing regulations do not apply to personal information collected, processed, sold or disclosed pursuant to the GLBA (and implementing regulations) and the California Financial Information Privacy Act, Division 1.4, §§4050 et seq.

California law requires financial institutions to obtain your consent prior to selling your personal information to non-affiliated third parties. We have not sold any personal information in the last 12 months. We will not sell information we collect about you to non-affiliated third parties without your consent, except as permitted by law.

Privacy Policy

FACTS

Why?

What?

How?

To limit our sharing

Questions?