WHAT DOES OWNING 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
Credit history and credit scores
Account balances and payment 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 reasonsOWNINGchooses
to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does OWNING 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
No
We don’t share
For our affiliates’ everyday business purposes–
information about your transactions and experiences
Yes
Yes
For our affiliates’ everyday business purposes–
information about your creditworthiness
Yes
Yes
For nonaffiliates to market to you
No
We don’t share
To limit our sharing
Mail theformbelow
Please note:
If you are anewcustomer,
we can begin sharing your information 30 days from the
date we sent this notice. When you areno
longerour customer, we continue to
share your information as described in this notice.
However, you can contact us at any time to limit our
sharing.
Questions?
Call1-855-514-6464
Mail-in Form
If you have a joint account, your choice(s) will apply
to everyone on your account unless you mark below.
Mark any/all you want to limit:
Name:
Address:
City, State, Zip:
Loan #:
Mail To:
OWNING
1806 W Cuyler Ave Suites 1W, 2E, and 2W,
CHICAGO, IL 60613
ATTN: COMPLIANCE-PRIVACY OPT-OUT
Who we are
Who is providing this notice?
OWNING
What we do
How does OWNING 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 OWNING collect my personal information?
We collect your personal information, for example, when
you
apply for a loan or give us your contact information
give us your income information or provide
employment information
provide your mortgage 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?
Your choices will apply to everyone on your account –
unless you tell us otherwise.
Definitions
Affiliates
Companies related by common ownership or control. They
can be financial and nonfinancial companies.
Nonaffiliates
Companies not related by common ownership or control.
They can be financial and nonfinancial companies.
Joint marketing
A formal agreement between nonaffiliated financial
companies that together market financial products or
services to you.
OWNINGdoesn’t jointly market.
Other important information
CALIFORNIA RESIDENTS – IN ACCORDANCE WITH CALIFORNIA
LAW, WE WILL NOT SHARE INFORMATION WE COLLECT ABOUT YOU
WITH COMPANIES OUTSIDE OF OUR CORPORATE FAMILY, EXCEPT
AS PERMITTED BY LAW, INCLUDING, FOR EXAMPLE, WITH YOUR
CONSENT OR TO SERVICE YOUR ACCOUNT. WE WILL LIMIT
SHARING AMONG OUR COMPANIES TO THE EXTENT REQUIRED BY
CALIFORNIA LAW.