Privacy Notice

Revised April 2015

FACTS

WHAT DOES NEW CREDIT AMERICA, LLC 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 score
  • Payment history and transaction 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 New Credit America chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information
Does New Credit America 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 our non-affiliates to market to you
For our non-affiliates to market to you.

Yes

Yes

Limit our Sharing?

Call 1-877-373-2330 or via email support@ncaloans.com


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 1-877-373-2330 or via email support@ncaloans.com

What we do?

How does New Credit America protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. There measures include complete safeguards, secured files and a secured building.

How does New Credit America collect my personal information?

We collect your personal information, when you:

  • Apply for a loan or give us your contact information
  • Pay your bill or use your credit card
  • Give us your income information

We also collect your personal information from others, such as credit bureaus, affiliates and other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit:

  • Sharing for affiliates’ everyday business purposes- information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for non-affiliates to market to you

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.

  • Our Affiliates include but are not limited to Century DS, LLC and Century Support Services, LLC, among others.

Non-affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Non-affiliates can include retail lenders, insurance companies, direct marketing companies, loan lead providers, customer service agencies and collection agencies.
  • Cross River Bank is not an affiliate of New Credit America. Cross River Bank is using the brand marks for New Credit America under license from New Credit America, for the benefit of the consumer experience. Your loan was originated by Cross River Bank and is now owned and serviced by New Credit America.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint partners include credit card companies, financial institutions and loan service providers.

Other important information

Depending on where you live, you may have additional privacy protections under some state laws. For example, certain state laws may restrict the types of information we may disclose about you, limit the parties with whom we may share such information, or require us to provide you with additional notices or opt-out rights. We will comply with applicable state laws before sharing non-public personal information about you. We may do this by sending a separate notice of those rights to you.