Privacy Policy

What Does Premium Choice Financial Do With Your Personal Information?

The types of personal information we collect and share depend on the product or service you apply for or have with us. This information can include:

  • Social Security number

  • Account balance and payment history

  • Credit history and credit scores

  • Usage 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.

How?
All financial companies need to share customers’ personal information to run their everyday business. Below are the reasons financial companies can share this information, whether Premium Choice Financial shares it, and whether you can limit that sharing:

  • For our everyday business purposes – Yes, we share this information to process your transactions, maintain your accounts, respond to court orders and legal investigations, and report to credit bureaus. You cannot limit this sharing.

  • For our marketing purposes – Yes, we share your information to offer our products and services. You can limit this sharing.

  • For joint marketing with other financial companies – We do not share for this purpose.

  • For our affiliates’ everyday business purposes (transactions and experiences) – Yes, we share this information. You can limit this sharing.

  • For our affiliates’ everyday business purposes (creditworthiness) – Yes, we share this information. You can limit this sharing.

  • For our affiliates to market to you – Yes, we share this information. You can limit this sharing.

  • For nonaffiliates to market to you – We do not share for this purpose.

To limit our sharing:

  • Call us and follow the prompts

  • Mail the opt-out form included in your notice

Please note:
If you are a new customer, we can begin sharing your information 30 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.

WHO WE ARE:

Who is providing this notice?
Premium Choice Financial

WHAT WE DO:

How does Premium Choice Financial 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 Premium Choice Financial collect my personal information?
We collect your personal information, for example, when you:

  • Apply for a loan or provide contact information

  • Give us your income or employment information

  • Share your employment history

We may also collect your information from others, including credit bureaus, affiliates, fraud detection services, or other companies.

In addition, we and our third-party service providers may use technologies that automatically collect certain usage information when you visit or interact with our website. This information can include browser type, operating system, IP address, device location, and other identifiers. Technologies may include cookies and web beacons. You can change your browser settings to limit this tracking, but doing so may affect your ability to use certain features of our site. Please note that our systems may not respond to "Do Not Track" requests from all browsers.

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.

What happens when I limit sharing for a joint account?
Your choices will apply to everyone on your account unless you tell us otherwise.

Definitions:

Affiliates – Companies related by common ownership or control. They can be financial or nonfinancial companies.

Nonaffiliates – Companies not related by common ownership or control. These may be financial or nonfinancial companies. Premium Choice Financial does not share your personal information with nonaffiliates.

Joint Marketing – A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Premium Choice Financial does not jointly market.

OTHER IMPORTANT INFORMATION

California Residents:
If you are a California resident, you have the right to request:

  • Information identifying third-party companies to whom we have disclosed personal information in the past calendar year for service or marketing purposes

  • A description of the categories of personal information disclosed

To make this request, please send a written letter including your name, email address used with us, the site you visited, and a return mailing address. Email requests will not be accepted. Only one request per calendar year will be honored.

Mail your request to:
Premium Choice Financial

17748 Sky Park Cir, Suite 200

Irvine, CA 92614-4473

Still have questions?
Call us or email: info@premiumchoicefinancial.com