WHAT DOES WISE CREDIT, LLC 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 and payment history – credit history and employment 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 reasons WISE CREDIT, LLC chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does Wise Credit, LLC 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 | NO |
| For our affiliates’ everyday business purposes— information about your transactions and experiences | YES | NO |
| For our affiliates’ everyday business purposes— information about your creditworthiness | YES | NO |
| For our affiliates to market to you | NO | WE DON’T SHARE |
| For nonaffiliates to market to you | NO | WE DON’T SHARE |
| To limit our sharing | Call 800-646-7705 —our menu will prompt you through your choice(s) orVisit us online: N/A Please note: If you are a new customer, we can begin sharing your information 1 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 800-646-7705 or go to N/A |
| Who we are | |
| Who is providing this notice? | WISE CREDIT, LLC |
| What we do | |
| How does Wise Credit, LLC 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 Wise Credit, LLC collect my personal information? | We collect your personal information, for example, when you – apply for financing or – give us income information or give us your contact information – provide account information or provide employment information We also collect your personal information from others, such as credit bureaus, affiliates, and/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. – OUR AFFILIATES INCLUDE COMPANIES WITH A “JAMES WOOD” NAME AND FINANCIAL COMPANIES SUCH AS JAMES WOOD DEALERSHIPS AND/OR NEIGHBORHOOD AUTOS, LLC |
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies. – WISE CREDIT, LLC DOES NOT SHARE 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. – OUR JOINT MARKETING PARTNERS INCLUDE DEALERSHIPS AND FINANCE COMPANIES |
| Other important information | |