Privacy Policy




Credova Financial, LLC has provided this Privacy Policy to describe our personal information handling practices, and to assure you of our continuing commitment to protect all personal information that we handle in the course of commercial activities. "Personal information", as used in this Policy, means information about an identifiable individual
Personal Information Collected
Credova Financial, LLC limits the amount and type of personal information collected to that which is necessary for our identified purposes, and we collect personal information by fair and lawful means.
Personal information that we collect includes:
  • Customer name and contact information
  • Social Security and Income
  • Credit history and credit scores
  • Driver’s License
  • Bank Account Information



There is also information about your computer hardware or software that is automatically collected by Credova Financial, LLC. This information may include your IP address, browser type, domain names, access times, and referring website addresses. This information is used by Credova Financial, LLC for the general operation of its business, to maintain quality of service, and to provide general statistics regarding the use of Credova Financial, LLC and Credova.com.
Personal Information Security
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. We also maintain physical, electronic and procedural safeguards which include computer virus protection software, firewalls, 128bit Secure Socket Layer. Only authorized employees have access.



Use of Personal Information
Credova Financial, LLC may disclose personal information in a number of circumstances, including:
  • To credit bureaus, credit reporting agencies and to your current or future creditors for the purpose of maintaining your credit history and providing credit references;
  • To third parties as reasonably necessary
    • to enforce your contracts with us and otherwise for the collection or payment of a debt owed to us;
    • for the purposes of detecting and preventing fraud;
    • in connection with audits;
    • for the purposes of meeting legal, regulatory, industry self-regulatory, risk management and security requirements;
    • For providing payment solutions;
  • Unless you have opted out, to affiliates of Credova Financial, LLC to enable them to offer you additional products and services;
  • For other purposes with your consent or as permitted or required by law.



In addition to the above, personal information may be shared between Credova Financial, LLC affiliates for internal audit, management, billing or administrative purposes including defending and bringing legal actions.
In the course of fulfilling the purposes described above, Credova Financial, LLC may transfer your personal information to service providers, including affiliates or other third party organizations or individuals retained by Credova Financial, LLC to perform functions on its behalf, such as marketing, data processing, customer service, office, security, collections, insurance, financial and taxation services. When personal information is transferred to service providers, we use contractual or other means to ensure that a comparable level of protection is provided. Some of our service providers may be located outside the United States and will be subject to applicable legal requirements in that country including lawful requirements to disclose personal information to government authorities in certain circumstances.
Credova Financial, LLC may also use and disclose personal information in connection with the proposed or actual financing, securitization, insuring, sale, assignment or other disposal of all or part of Credova Financial, LLC or our business or assets (including your loan or lease and any agreement to which it relates), for the purposes of evaluating and/or performing the proposed transaction. Assignees or successors of Credova Financial, LLC or our business or assets may use and disclose your personal information for similar purposes as those described in this Policy.
Credova Financial, LLC may disclose your personal information as necessary to meet legal, regulatory, insurance, audit, and security requirements, and as otherwise with your consent or as permitted or required by law.
If your personal information changes, you can update or correct it in your account by contacting Credova Financial, LLC customer support at 833-273-3682 or via email at [email protected]. We will retain your information for as long as your account is active or as needed. If you wish to close your account or request that we no longer use your information, contact us at [email protected] and we will respond to you in a reasonable timeframe. We will retain and use your information as necessary to comply with any legal obligations, resolve disputes, and enforce our terms of service. Credova Financial, LLC is a general audience website. Credova Financial, LLC does not knowingly collect any personal information from anyone under the age of 13. We may, in our sole discretion, change this Privacy Policy from time to time by posting a revised version at www.credova.com/PrivacyPolicy. If we make any material change, we will notify you via your Retailer’s Dashboard or via email (as listed in your account profile).
FACTS WHAT DOES CREDOVA 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:
 
  • Customer name and contact information
  • Social Security number and Income
  • Account balances and payment history
  • Credit history and credit scores
  • Driver’s License
  • Bank Account Information

When you are no longer our customer, we continue to share your information as described in this notice.
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 Credova chooses to share; and whether you can limit this sharing.
 
Reasons we can share your personal information Does Credova 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 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? Call 833-273-3682 or go to www.credova.com
Who we are
Who is providing this notice? Credova
What we do
How does Credova 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. Only authorized employees have access.
How does Credova collect my personal information We collect your personal information, for example, when you
 
  • Apply for financing or open an account
  • Provide account information or pay your bills
  • Use your credit or debit card

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]
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Our affiliates include companies with a common corporate identity of Credova; financial companies such as Range Funding, Range Leasing, Nextep Funding, My Pet Funding, Hello Funding; and others, such as Flexstar Financial Solutions.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Nonaffiliates we can share with include our merchant partners and marketing service providers.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Credova doesn’t jointly market
Other Important Information
Special Notice for State Residents

For California Residents. We will not share personal information with affiliates or nonaffiliates except as permitted by California law, such as to process your transaction or with your consent.

For Vermont Residents. We will not share personal information with affiliates or nonaffiliates except as permitted by Vermont law, such as to process your transaction or with your consent.
     


Updated 04_04_2019