FACTS   

WHAT DOES BMG 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 depend on the product or service you have with us. This information can include:

■         Social Security number

■         account balances and payment history

■          income and employment information

■          bank account information

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 BMG chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information                                                 Does BMG share?                                 Can you limit this sharing?

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 services 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

No

We don’t share

For our affiliates’ everyday business purposes—

information about your creditworthiness

No

We don’t share

For our affiliates to market to you

No

We don’t share

For nonaffiliates to market to you

No

We don’t share

 

 

To limit direct marketing contact

■        Call: (800) 316-8507

■        E-mail: optout@bmgmoney.com

 

Please note: Direct marketing is e-mail, text, postal mail and telephone marketing. Your telephone and postal mail opt-out choices will last for five years, subject to applicable law. Even if you limit direct marketing, we may still contact you to service your account or as otherwise allowed by law.

         

 

 

Who we are

Who is providing this notice?

BMG Money, Inc. and its affiliate BMG LoansAtWork, LLC (collectively, “BMG”)

 

What we do

How does BMG 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. We authorize our employees to access your information only when they need it to do their work, and we require companies that

work for us to protect your information.

How does BMG collect my personal information?

We collect your personal information, for example, when you

■         apply for a loan or give us your income information

■         provide employment information or pay your bills

■          give us your contact information

We also collect your personal information from others, such as credit bureaus, affiliates, your employer, 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. See below for more on your rights under state law.

Definitions

Affiliates

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

■          Affiliates include BMG Money, Inc. and BMG LoansAtWork, LLC

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

■          BMG does not share with 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.

■          Our joint marketing partners may include financial services companies.

 

Vermont: In accordance with Vermont law, we will not share information that we collect about Vermont residents with companies outside of BMG, except as permitted by law, such as with the consent of the customer, to service the customer’s accounts or under joint marketing agreements with other financial institutions with which we have joint marketing agreements. We will not share creditworthiness information about Vermont residents among our affiliates except with the authorization or consent of the Vermont resident.

California: In accordance with California law, we will not share information we collect about California residents with nonaffiliated third parties, except as permitted by law, such as with the consent of the customer, or to service the customer’s account. We will also limit the sharing of information about you to the extent required by applicable California law.

Nevada: We are providing you this notice under state law. You may be placed on our internal Do Not Call List by following the directions in the To limit direct marketing contact section. Nevada law requires we provide the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: (702) 486-3132; e-mail: AgInfo@ag.nv.gov.

Important Information about Credit Reporting

We may report your information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report.