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FACTS

WHAT DOES SPECTRUM FUNDING, LLC DOWN WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your financial 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
• Account balances and payment history
• Transaction history and assets
• Credit history and credit scores

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 SPECTRUM FUNDING, LLCchooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does SPECTRUM FUNDING, LLC 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
No We don't share
For joint marketing with other financial companies No We don't share
For our affiliates’ everyday business purposes -
information about your transactions and experiences
No We don't share
For our affiliates’ everyday business purposes -
Information about your credit worthiness
No We don't share
For nonaffiliates to market to you No We don't share

To limit our sharing

Call (800) 910-6901--our menu will prompt you through your choice(s)
Please note: If you are a new customer, we can begin sharing your information 45 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 (800) 910-6901


Who we are?
Who is providing this notice? SPECTRUM FUNDING, LLC(CFLL # 603I921. NMLS ID: 1688506)
What we do
How does SPECTRUM FUNDING, LLC 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 SPECTRUM FUNDING, LLC collect my personal information? We collect your personal information, for example, when you:
• Apply for a loan
• Give us your income information;
• Provide us employment information
• Give us your contact information
• Pay us by check
We also collect your personal 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 only
• Sharing for affiliates’ every day business purposes – information about your credit worthiness
• 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.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
•SPECTRUM FUNDING, LLC has no affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
• SPECTRUM FUNDING, LLC does not share information with nonaffiliates so they can market to you
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you
• SPECTRUM FUNDING, LLC does not jointly market
Other important information
California residents: you will also be provided an “Important Privacy Choices for Consumers” notice explaining your rights under California law.




Loans made or arranged pursuant to a California Finance Lenders Law license # 603I921. NMLS ID: 1688506


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.


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.

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.

(_) NO, please do not share personal and financial information with your 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.

(_) NO, please do not share personal and financial information with outside companies you contract with to provide financial products and services.


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Time Sensitive Reply

You may make your privacy choice(s) at any time. Your choice(s) marked here 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.

Name:________________________________________________________________

Account or Policy Number(s):________________________________________[to be filled in by Consumer]

Signature:________________________________________________________________

To exercise your choices do the following:
(1) Fill out, sign and send back this form to us using the envelope provided (you may want to make a copy for your records)