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 Credit Score
- Name and contact information
- Account balances and Transaction history, Income and Employment 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 Zogby chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does Zogby 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 | Yes |
| 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
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 continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
Questions?
Email us: support@zogby.com
Who we are
Who is providing this notice?
Zogby
What we do
How does Sparks Lending 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 Sparks Lending collect my personal information?
We collect your personal information, for example, when you:
- Open an account
- Provide income information
- Provide account information
- Provide employment information
- Give us your 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.
What happens when I limit sharing for an account I hold jointly with someone else?
Sparks Lending will limit sharing for joint account holders
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.
Nonaffiliates we can share with include direct marketing companies, service providers, insurance companies and broker/dealers.
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Sparks Lending joint marketing partners include Financial Institutions, Lead Generators, and Marketing and Sales organizations.
Other important information
Questions?
See below for specific state information
For California Residents
In accordance with California law, we will not share information we collect about you with nonaffiliates, except as allowed by law. For example, we may share information with your consent or to service your accounts. See below for your right to limit our sharing among our affiliates and with non-affiliated third parties.
For Nevada Residents
We are providing you this notice pursuant to state law. You may be placed on our internal “do not call” list by calling (800) 756 0862. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St. – Suite 3900, Las Vegas, NV 89101; 702- 486-3132 – BCPINFO@ag.state.nv.us.
For Vermont Residents
In accordance with Vermont law, we will not share information we collect about Vermont residents with companies who are not affiliates, except as permitted by law, such as with your consent or to service your accounts. We will not share information about your creditworthiness with our affiliates without your authorization or consent but we may share information about our transactions or experiences with you with our affiliates without your consent.
Additional Rights for California Residents – Important Privacy Choices for Consumers
You have the right to control whether we share some of your personal information. Please read the following information carefully before you make your choices below.
1. Your Rights
You have the following rights to restrict the sharing of personal and financial information with our affiliates (companies we own or control) and outside companies that we do business with. Nothing in this form prohibits the sharing of information necessary for us to follow the law, as permitted by law, or to give you the best service on your accounts with us. This includes sending you information about some other products or services.
2. Your Choices
- Restrict Information Sharing With Companies We Own or Control (Affiliates): Unless you say “No,” we may share personal and financial information about you with our affiliated companies.
- Restrict Information Sharing With Other Companies We Do Business With To Provide Financial Products And Services: Unless you say “No,” we may share personal and financial information about you with outside companies we contract with to provide financial products and services to you.
3. Time Sensitive Reply
You may make your privacy choice(s) at any time. Your choice(s) will remain unless you state otherwise. However, if we do not hear from you we may share some of your information with affiliated companies and other companies with whom we have contracts to provide products and services. To exercise your choices do one of the following:
Option 1:
Reply electronically by contacting us through the Internet at support@sparkslending.com
Option 2:
Call this toll-free number: (800) 756 0862
