Privacy Policy English | Time Investment Company

TIME INVESTMENT COMPANY, INC. PRIVACY POLICY

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.
What?	The types of personal information we collect and share can include: Social Security number, birthdate, contact information, and employment information account balances and income history credit history
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	Call 1-800-236-1177 Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent 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, and we don't joint market.
Changes	Our Privacy policy may change from time to time. Our privacy policy is delivered annually, in writing. You may view our current privacy policy online at any time at www.timeinvestment.com
Questions	Call 1-800-236-1177
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: Apply for credit and receive a loan , and in monitoring your loan account on a day-to-day basis 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: Sharing for affiliates' everyday business purposes - information about your creditworthiness Affiliates from using your information to market to you Sharing for non affiliates 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. 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.
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non- financial companies. Presently, TIC does not have any affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. TIC does not share with non affiliates so they can market to you. Your loan may be sold or assigned to another fin ance company or financial institution , and in that event, TIC will share your information with that new finance company or financial institution so th at your loan account can continue to be serviced.
Joint marketing	A formal agreement between non affiliated companies that together market to you. TIC does not jointly market.
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.