PRIVACY POLICY

Co/LAB Lending has created this privacy policy statement to demonstrate our firm commitment to privacy.

What Does Co/LAB Lending Do With Your Personal Information?

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.

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • First and Last name.
  • Social Security Number
  • Credit history and credit scores
  • Account balances and payment history
  • Home or other physical address includes the name of a street and the name of a city or town.
  • Electronic mail address.
  • Telephone number.
  • An identifier allows a specific person to be contacted either physically or online.
  • Other pieces of information that may be personally identified to you.

All financial companies need to share customers’ personal information to run their everyday business. The section below lists the reasons financial companies can share their customers’ personal information; the reasons Co/LAB Lending chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Co/LAB Lending share? Can you limit this sharing?
For our everyday business purposes —
such as to process your transactions, maintain
your account(s), responds 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 do not share
For joint marketing with other financial companies No We do not share
For our affiliates’ everyday business purposes —
information about your transactions and experiences
No We do not share
For our affiliates’ everyday business purposes —
information about your creditworthiness
No We do not share
For our affiliates to market to you No We do not share
For nonaffiliates to market to you No We do not share

How consumers are notified of material changes to this policy

Co/LAB Lending may make material changes to the Privacy Policy posted on this website from time to time. Co/LAB Lending shall post a summary of the changes immediately following the Privacy Policy when such changes are made.

Who is collecting personal information?

Where this website specifically asks for your personal information (for example, to respond to requests for information or to register users for particular services), your personal information will only be collected by staff of Co/LAB Lending or by third parties engaged byCo/LAB Lending who have responsibility for responding to such requests or administrating such registrations.

Will I be contacted by Co/LAB Lending?

Completing any of the forms on our website or from 3rd parties may require further contact with the consumer. You may be contacted with further information regarding products and services.

Is your personal information shared?

Your personal information will not be forwarded to any unaffiliated third party for marketing or used for any similar purpose without your consent. To the extent permitted or required by applicable law, personal information collected on this website may be shared with third parties as necessary for Co/LAB Lending to provide requested services and shared with affiliated third parties for their operational purposes.

Cookies

Cookies can be either “persistent” or “session” based. Persistent cookies are stored on your computer, contain an expiration date, and may be used to track your browsing behavior upon return to the issuing website. Session cookies are short-lived, are used only during a browsing session, and expire when you quit your browser. Upon closing your browser, the session cookie set by this website is destroyed, and no personal information is maintained, which might identify you should you visit our website later.

Security of personal information collected on this website

This website does not provide facilities to guarantee the secure transmission of information across the Internet. While reasonable efforts are used to provide security, users should be aware of inherent risks in transmitting information across the Internet.

Outside Links

This website may provide links to other websites for your convenience or for additional information. As Amazon Associates, we earn from qualifying purchases. Co/LAB Lending is not responsible for any content or practices of these websites.

Your Rights

You can request access to the personal information (if any) that we keep on record. If you believe any information that we keep on record is incorrect or outdated, you may request that it be corrected. There is no fee for requesting access to your information. However, we may charge you a reasonable cost of processing your request.

The effective date of this policy

This policy is effective from September 29, 2017.

Notification of Material Changes to Privacy Policy

The most recent material changes to the above Privacy Policy are listed below.

Collection of information

The language was added to this policy, clarifying how personal information may be collected, what kinds of personal information may be collected, and who is collecting it.

Sharing of personal information

The language was added to this policy, clarifying how personal information may be shared.

Sharing of personal information

The language was added to this policy explaining how consumers are notified of material changes to the Privacy Policy.

Policy Effective Date

The language was added to this policy notifying consumers of the Privacy Policy’s effective date.