FACTS | WHAT DOES Stepstone Credit DO WITH YOUR PERSONAL INFORMATION? |
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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 -Transaction history and Credit History When you are no longer our customer, we continue to share 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 Stepstone Credit chooses to share; and whether you can limit this sharing. |
Reasons we can share your personal information | Does Stepstone Credit share? | Can you limit this sharing? |
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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 service to you | Yes | No |
For joint marketing with other financial companies | Yes | 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 | Yes |
For our affiliates to market to you | Yes | Yes |
For nonaffiliates to market to you | Yes | Yes |
Questions? | Call 210-595-7014 |
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Who we are | |
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Who is providing this notice? | Stepstone Credit |
What we do | |
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How does Stepstone Credit 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. Additionally, personal information is shredded and employees receive training in properly handling personal information. |
How does Stepstone Credit collect my personal information? | We collect your personal information, for example when you -Apply for a loan or Pay your bills -Show you Driver’s license or Provide employment information -Open an account We also collect your personal information from others, such as credit bureaus, affiliates, 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 | |
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Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies. –Our affiliates include financial companies involved in consumer finance. |
Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies. -Nonaffiliates we share with can include financial services providers, law enforcement agencies or regulatory authorities |
Joint Marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you. -Our joint marketing partners include reputable companies for the purposes of informing you about products and/or services. |
Other important information |
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For Texas Customers, Stepstone Credit is chartered, licensed or registered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Office of Consumer Credit Commissioner. Any consumer wishing to file a complaint against Stepstone Credit should contact the Office of Consumer Credit Commissioner through one of the means indicated below: In person or by U.S. Mail: 2601 North Lamar Blvd, Austin, TX 78705-4394; by Telephone: 800.538.1579; email consumer.complaints@occc.state.tx.us; Website: occc.texas.gov. |
PRESCREEN & OPT-OUT NOTICE |
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This prescreened offer of credit is based on information in your credit report showing that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria [including providing acceptable property as collateral]. If you do not want to receive prescreened offers of credit from this Lender and other companies, you can contact: Experian, P.O. Box 919, Allen, Texas 75013-0919; Equifax, P.O. Box 740123, Atlanta Georgia 30374-0123; or TransUnion Opt-Out Request, P.O. Box 505, Woodlyn, Pennsylvania 19094-0505. Or, you may notify all three agencies by calling toll free 1-888-567-8688 or you can go to the website http://www.optoutprescreen.com. |