Right to Privacy Notice

Rev. 1.0

FACTS

WHAT DOES ZINCLUSIVE, LLC, its affiliates, assignees or designees and transferees (collectively, “Zinclusive”) 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:

Social Security number and income
payment history and employment information
Other debt and risk tolerance

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 (insert entity name) chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information		Does we 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		Yes	No
For our affiliates’ everyday business purposes – information about your creditworthiness		Yes	Yes
For our affiliates to market to you		Yes	Yes
For nonaffiliates to market to you		Yes	Yes
To limit our sharing	Call 866-516-8001 or go to zinclusive.com Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. However, you can contact us at any time to limit our sharing.
Questions?	Call us at: 866-516-8001; email us at privacy@zinlcusive.com; or go to zinclusive.com

What we do
How does (insert entity) 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.
How does (insert entity) collect my personal information?	We collect your personal information, for example, when you open an account or seek advice provide account information give us your income or contact information We 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 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.
What happens when I limit sharing for an account I hold jointly with someone else?	You choices will apply to everyone on your account.
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. A this time, we do share with affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Zinclusive does not share with our nonaffiliates.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. We may partner with nonaffiliated financial companies to jointly market financial products to you.
Other Important Information

Do Not Call Policy. This notice is the Zinclusive Do Not Call Policy under the Telephone Consumer Protection Act. We do not solicit via telephone numbers listed on the state or federal Do Not Call lists, unless the law allows. Zinclusive employees receive training on how to document and process telephone marketing choices. Consumers who ask not to receive telephone solicitations from Zinclusive will be placed on the Zinclusive Do Not Call list and will not be called in future campaigns, including those of Zinclusive affiliates.

Call Monitoring and Recording. If you communicate with us by telephone, we may monitor or record the call. We may also monitor and record your usage of our website(s), network, and application(s).

California, North Dakota and Vermont residents: We will not disclose your personal information, financial information or credit report to nonaffiliated third parties to market to you, other than as permitted by the laws of your state of residence, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found at zinclusive.com or by calling 866-516-8001

Texas Residents: For questions or complaints about this credit offering, contact Zinclusive at 866-516-8001, and zinclusive.com. The lender is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting the lender, consumers can contact the OCCC to file a complaint or ask a general credit-related question. OCCC address: 2601 N. Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579. Fax: (512) 936-7610. Website:occc.texas.gov. E-mail: consumer.complaints@occc.texas.gov

For Nevada Residents only: You may call us at 866-516-8001 to be placed on our internal “do not call” list for any marketing calls we may make to existing customers. For more information about this notice or the Nevada law related to this notice, you may (1) contact us at 877-891-7869 or privacy@zzinclusive.com or (2) contact the Nevada Attorney General’s Office, Bureau of Consumer Protection, 555 East Washington St., Ste. 3900, Las Vegas, NV 89101; tel. (702) 486-3132; email: BCPINVO@ag.state.nv.us.