This policy is effective as of January 1, 2021
|FACTS||WHAT DOES TIME INVESTMENT COMPANY, INC. ("TIC”) 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.|
The types of personal information we collect and share can include:
|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 TIC chooses to share; and whether you can limit this sharing.|
|Reasons TIC can share your personal information||Does TIC share?||Can you limit this sharing?|
|our everyday business purpose - such as to process your payments, maintain your loan account(s), respond to court orders and legal investigations, or to report to credit bureaus||Yes||No|
|For our marketing purpose - to offer our products and services to you||No||No|
|For joint marketing with other financial companies||No||Yes, but we don't joint market|
|For any affiliates' everyday business purposes -information about your transactions and experiences||No||No, but we don't have affiliates|
|For any affiliates' everyday business purposes -information about your creditworthiness||No||Yes, but we don't have affiliates|
|For any affiliates to market to you-||No||Yes, but we don't have affiliates|
|For nonaffiliates to market to you-||No||Yes, but we don't joint market|
|To limit our sharing|
|Who we are|
|Who is providing this noticed||Time Investment Company, Inc. (“TIC”)|
|What we do|
|How does TIC 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 buildigs.|
|How does TIC collect my personal information?|
We collect your person al information, for example, when you:
We also collect your person al information from others, such as credit bureaus, or other companies.
|Why can't I limit all sharing?|
Federal law gives you the right to limit onIy:
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. TIC does not use your personal information for any marketing, either through affiliates or non affiliates.
|What happens when I limit sharing for a loan account I hold jointly with someone else?||Your choices will apply individually unless you tell us otherwise. Any co-borrower may express a privacy preference on behalf of the other joint co-borrowers.|
Companies related by common ownership or control. They can be financial and non- financial companies.
Companies not related by common ownership or control. They can be financial and non-financial companies.
A formal agreement between non affiliated companies that together market to you.
|Other important information|
Important Notice about Credit Reporting: We may report information about your loan account(s) to credit bureaus an d/or consumer reporting agencies. Late payments, missed payments, or other defaults on your loan account(s) may be reflected in your credit report an d/or consumer report.
California: We will not share your person al information with financial companies for joint marketing purposes except as required or permitted by law.
Vermont: We automatically treat customers with a Vermont mailin g address as having limited sharing with our affiliates as provided above.