Revised 06 February 2023
WHAT DOES MONSTRO 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 personal information we collect and share depend on the product or service you have with us. This information can include:Account Information: This is the information you provide us on applications and through other means as part of an application processTransaction and Experience Information: This includes information about your transactions and account experience, as well as information about our communications with you.Consumer Reporting Information: This includes the information and consumer report we may obtain from a consumer reporting agencySocial Security Numbers and Employment InformationInformation from Outside Sources: This could include information we receive regarding your employment, credit, or other relationshipsSurvey and Research Information: This includes information you provide to us through a survey or research questions we may ask youOther General Information: This includes information from outside sources such as public records. |
| How? | All financial companies need to share customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer’s personal information; the reason Monstro chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does Monstroshare? | Can you limit this sharing? |
| For our everyday business purposes-to process your transactions, maintain your account(s), respond to court orders and legal investigations, and 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 | No |
| For our affiliates’ everyday business purposes-Information about your transactions and experiences | No | No |
| For our affiliates’ everyday business purposes-Information about your creditworthiness | No | Yes |
| For our affiliates to market to you | No | Yes |
| For nonaffiliates to market to you | No | Yes |
| To limit our sharing | Call: 1 (855) 9MO-NSTR or 1 (855) 966-6787Email: Privacy@Monstro.comPlease note:If you are a new customer, we can begin sharing your information 30 days from the date you receive this notice. When you are no longer our customer, we can continue to share your information as described in this notice.However, you can contact us at any time to limit our sharing. |
| Questions | Contact Ian Haet |
| Who we are | |
| Who is providing this notice? | Monstro Inc., is providing this privacy notice and it applies to products and services provided by the company. This privacy notice also applies to our associated agents and servicers that may provide services on our behalf. |
| What we do | |
| How does Monstro protect your personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with industry standards. These measures include computer safeguards and secured files and buildings.We restrict access to your information to those employees who need to know it to provide products and services to you. |
| How does Monstro collect my personal information? | We collect your personal information, for example, when you:Register for an accountGive us or link to your financial, estate, or other personal information for our analysis and ServicesGive us your contact informationWe 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 some but not all sharing related to:Affiliate’s everyday business purposes- information about your creditworthinessAffiliates from using your information to market to youNonaffiliates to market to youState laws and individual companies may give you additional rights to limit sharing. |
| What happens when I limit sharing for an account I hold jointly with someone else? | Your choices will apply to all users of the account. |
| Definitions | |
| Affiliates | Companies related by common ownership or control. They can be financial or nonfinancial companies. Monstro does not have any affiliates. |
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.Monstro does not share with nonaffiliates so they can market to you. |
| Joint Marketing | Formal agreements between nonaffiliated financial companies that together market financial products or services to you.Monstro does not joint market with any nonaffiliated financial companies. |
| Other Important Information | |
| Not Applicable | |
FOR VERMONT CUSTOMERS
We 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. Additional information concerning our privacy policies can be found here or call 1 (855) 9MO-NSTR or 1 (855) 966-6787
ADDITIONAL RIGHTS UNDER THE CALIFORNIA CONSUMER PRIVACY ACT (CCPA)
The California Consumer Privacy Act (CCPA) gives California residents certain privacy rights with respect to the limited non-public Personal Information we collect. These are described in detail in the above our Privacy Policy.