Cinch Privacy Policy

LAST UPDATED  8/15/16

 

Cinch Financial Privacy Policy

Connect Financial LLC, doing business as Cinch Financial in the United States, is concerned about privacy issues and wants you to be familiar with how we collect, use and disclose information. This Privacy Policy describes our practices in connection with information we collect when providing our Services. By using the Services, you agree to the terms and conditions of this Privacy Policy.

 

Updates to this Privacy Policy

We may change this Privacy Policy. The “LAST UPDATED” legend at the top of this page indicates when this Privacy Policy was last revised. Any changes will become effective when we post the revised Privacy Policy. Your use of the Services following these changes means that you accept the revised Privacy Policy.

 

FACTS:WHAT DOES CONNECT FINANCIAL 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 information we collect and share depend on the product or service you have with us. This information can include:

  • Social security number (typically last four digits)
  • Identification information (e.g. name, address, birthdate, email, mobile phone, etc.)
  • Credit score and credit history
  • Account balances
  • Purchase history and account transactions

 

When you are no longer our customer, we will continue sharing your information, as

described in this notice.

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 Cinch chooses to share and whether you can limit this sharing.

 

Reasons we can share your personal information Does Cinch share? Can you limit the sharing?
For everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report credit bureaus Yes No

 

For marketing purposes to offer our products and services to you No No

(we don’t share)

For joint marketing with other financial companies No No

(we don’t share)

For our affiliates’ everyday business purposes information about your transactions and experiences No No

(we don’t share)

 

For our affiliates’ everyday business purposes information about your creditworthiness No No

(we don’t share)

For our affiliates to market to you No No

(we don’t share)

For nonaffiliates to market to you No No

(we don’t share)

 

WHO WE ARE:

Who is providing this notice?

Connect Financial LLC d/b/a Cinch Financial

 

WHAT WE DO:

How does Cinch 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 Cinch Collect My Personal Information?

We collect your personal information, for example, when you

  • Register or open an account, or
  • Sign in, or
  • Provide account information, or
  • Give us your contact information.

 

We also collect your personal information from others such as credit bureaus or other companies. We automatically collect information in other ways such as through browser information, server log files, cookies, pixel tags and other technologies.

 

 

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 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 nonfinancial companies.
    • Cinch does not share with our affiliates.

 

  • Nonaffiliates – Companies not related by common ownership or control. They can be financial and nonfinancial companies.
    • Cinch does not share with our 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.
    • Cinch does not jointly market.

 

If you have questions about our Privacy Policy, please contact us by email at legal@cinchfinancial.com or by telephone at 617-326-3860.

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