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Privacy Policy

Privacy Policy For Title Loans

CONSUMER PRIVACY POLICY NOTICE

WHAT DOES SPECTRUM AUTO FUNDING DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your financial 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 you 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, account transactions and payment history

Credit history and credit scores

When you are no longer our customer, we continue to share your information as describes in this notice.

How?

All financial companies need to share customers' personal information to run their every day business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Loan4title chooses to share; and whether you can limit this sharing.

Reasons we can share
your personal information

Does Spectrum Auto Funding share?

Can you limit this sharing?

For our every day 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

No

We don't share

For joint marketing with other financial companies -

No

We don't share

For our affiliates' every day business purposes -
Information about your creditworthness

No

We don't share

For nonaffiliates to market to you -

No

We don't share

What we do

How does Spectrum Auto Funding 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 Spectrum Auto Funding collect my personal information?

We collect your personal information, for example, when you:

Apply for a loan
Give us your income information;
Provide employment information
Give us your contact information
Pay us by check
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' every day business purposes information about your credit worthiness 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 nonfinacial companies.

Spectrum Auto Funding does not share information with affiliates so they can market to you

Nonaffiliates

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

Spectrum Auto Funding does not share information 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 Spectrum Auto Funding doesn't jointly market

Other important information

We will notify you if any of the information in this Notice changes.

© 2014 Spectrum Car Title Loans, all rights reserved.

Loans Made Pursuant to Department of Business Oversight California Finance Lenders Law License #603K126, Spectrum Funding, LLC.

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