Effective Date: 12/2018
Financial companies choose how they share your personal information. Federal law gives you 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.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
When you are no longer our customer, we continue to share your information as described in this notice.
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 Health Credit Services chooses to share; and whether you can limit this sharing. We may also share personal information about you to nonaffiliated third parties as permitted by law.
|Reasons we can share your personal information:||Does HCS 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 don’t share|
|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|
Call 800-427-9184 or go to www.hcsloans.com/privacy
Health Credit Services, LLC (HCS)
P.O. Box 603555 Charlotte, NC 28260-3555
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.
We collect your personal information, for example, when you
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing. See below for more information on your rights under state law.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Our affiliates include Credit Services Corporation, LLC (CSC).
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Nonaffiliates we share with may include financial service companies, lenders, marketing companies, and other service providers.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Health Credit Services does not jointly market.
We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by calling 800-427-9184. Nevada law also requires us to provide you with the following to obtain additional information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Street, Suite 3900, Las Vegas, NV 89101; Phone: 702.486.3132; Email: BCPINFO@ag.state.nv.us.
We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law unless you authorize us to make those disclosures.
©2017 All Rights Reserved
HCS loans are unsecured personal loans originated by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Quorum Federal Credit Union, member NCUA, or MetaBank, member FDIC.
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