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FACTS WHAT DOES OPELIKA FINANCE, INC. DBA OPELIKA FINANCE 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 account balances
▪ payment history and transaction or loss history
▪ credit history and overdraft history
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 Opelika Finance, Inc. DBA Opelika Finance chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Opelika Finance, Inc. DBA Opelika Finance 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 No
For our affiliates' everyday business purposes —
information about your creditworthiness
No We don't share
For our affiliates to market to you No We do not share
For non-affiliates to market to you No We do not share
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What we do
How does Opelika Finance, Inc. DBA Opelika Finance 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. We also require employees to enter into confidentiality agreements, perform employee background checks and require customers to provide identification.
How does Opelika Finance, Inc. DBA Opelika Finance collect my personal information? We collect your personal information, for example, when you
▪ apply for a loan or give us your income information
▪ provide employment information or give us your employment history
▪ 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 non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
Our affiliates include financial companies such as other consumer finance companies; and others, such as our management company.
Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Opelika Finance, Inc. DBA Opelika Finance does not share with non-affiliates so they can market to you
Joint marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you.
Opelika Finance, Inc. DBA Opelika Finance does not jointly market
© Opelika Finance, Inc. All Rights Reserved.