Privacy Terms
Protection of the Privacy of Non-Public Personal Information
Respecting and protecting customer privacy is vital to our business. By explaining our Privacy Policy to you, we trust that you will better understand how we keep your non-public personal information private and secure while using it to serve you better. Keeping customer information secure is a top priority, and we are disclosing the policies of the Lighthouse Financial Group Family of Companies to help you understand how we handle the personal information about you that we collect and disclose. This notice explains how you can limit our disclosing of personal information about you. The provisions of this policy apply to former customers as well as current customers.
The Privacy Policy Explains the Following:
- Protecting the confidentiality of our customer information.
- Who is covered by the Privacy Policy.
- How we gather information.
- The types of information we share, why, and with whom.
- Opting Out - how you can instruct us not to share certain information about you.
Protecting the Confidentiality of Customer Information: We take our responsibility to protect the privacy and confidentiality of customer information very seriously. We maintain physical, electronic, and procedural safeguards that comply with federal standards to store and secure information about you from unauthorized access, alteration, and destruction. From time to time, we enter into agreements with other companies to provide services to us or make products and services available to you. Under these agreements, the companies with whom we contract may receive information about you, but they also must safeguard this information, and they may not use it for any other purposes.
Who is Covered by the Privacy Policy:
We provide our Privacy Policy to customers when they conduct business with any company within the Lighthouse Financial Group Family of Companies. If we change our privacy policies to permit us to share additional information we have about you, as described below, or to permit disclosures to additional types of parties, you will be notified in advance.
How We Gather Information:
As part of providing you with financial products or services, we may obtain information about you from the following sources:
- Applications, forms, and other information that you provide to us, whether in writing, in person, by telephone, electronically, or by any other means. This information may include your name, address, employment information, income, and credit references;
- Your transactions with us, with companies within the Lighthouse Financial Group, Inc. Family of Companies or with others (such as your bank or employer). This information may include your account balances, payment history, and account usage;
- Consumer reporting agencies or other firms which provide similar services, including but not limited to check verification services. This information may include account information and information about your credit worthiness;
- Public sources. This information may include vehicle records, employment records, telephone numbers, etc.
What Information We Collect:
The type of personal information we collect may include your name, address, social security number, age, financial status, assets, income, tax information, transaction history, account balance, payment history, marital status, family relationships and other information. Please contact us at the phone number shown on your billing statement if you believe any information we have regarding you is not correct, is incomplete or has changed.
Information We Share:
Information Sharing with Companies That Perform Services on our Behalf. We are permitted to disclose nonpublic personal information about you that we maintain or collect, as described above in the How We Gather Information section, to companies that perform services on our behalf or to other institutions with which we have joint marketing agreements. The categories of third parties providing these services may include, among others, consumer reporting agencies, financial service providers such as credit card issuers, finance companies, insurance agencies or companies, government agencies, and banks and mortgage companies. To protect your privacy, before we disclose such non-public personal information pursuant to a joint marketing agreement, we enter into a contractual agreement prohibiting our joint marketing partners from disclosing or using your non-public personal information other than to carry out the purposes for which the information was disclosed. Information Sharing with Non-Affiliated Companies. In order to provide you with efficient service and inform you of opportunities that may be of interest to you, unless you tell us not to, by checking the appropriate box below, we may share all or part of the information that we maintain or collect, as described above in the How We Gather Information section, with the following types of non-affiliated third parties, among others:
Credit bureaus and financial service providers, such as credit card issuers, finance companies, insurance companies, banks and mortgage companies.
Non-financial companies, such as marketing companies.
Please note that, even if you direct us not to share the information described above in the How We Gather Information section, we may disclose non-public personal information about you as permitted or required by law (e.g., to companies that perform services on our behalf, or to companies with which we have joint marketing agreements). Other Circumstances. We also may share certain non-public personal information with non-affiliated third parties as permitted or required by law; and, the law does not permit you to opt out of such disclosure. For example, we may be required to provide information:
To our service providers to help us process your application or service your accounts
To regulatory authorities and law enforcement officials
To protect against or prevent actual or potential fraud, unauthorized transactions, claims or other liability
To consumer reporting agencies
To respond to a subpoena or court order or judicial process
To purchasers of your debt in the event of a default on your part
Policy Updates and Inquires:
As required by federal law, we will notify you of our privacy policy annually. We reserve the right to modify this policy at any time. However, if we do change it, we will inform you promptly. For questions about our policy, please contact us at (813) 637-8305. You may also mail us at: Lighthouse Financial, ATTN: Privacy P.O. Box 18512, Tampa, FL 33679-8512. You may also call the number above if you would like a copy of this policy in Spanish. Ud. puede llamar al numero telefónico que aparece arriba si desea una copia de la poliza en español.
The Lighthouse Family of Companies:
This privacy policy is made on behalf of the following Lighthouse companies:
- Lighthouse Financial Group, Inc.
- Lighthouse Financial Group of Illinois, Inc.
- Lighthouse Financial Group of Nevada, Inc.
- Lighthouse Financial Group New Mexico, Inc.
- Lighthouse Financial Group of Utah, Inc.
- Lighthouse Financial Group of Oregon, Inc.
- Lighthouse Financial Group Tennessee, Inc.
- Lighthouse Financial Services of Arizona, Inc.
- Lighthouse Financial Group of Georgia, Inc.
- Paragon Credit Corp.