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:
- Social Security number and payment history
- Account balances and payment history
- Credit history and credit scores
When you are no longer our customer, we continue to share your information as described in this notice.
section below, we list the
reasons financial companies can share their customers’ personal information; the reasons Skopos Financial chooses to share; and whether you can limit this sharing.
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
to offer our products and services to you
For joint marketing with other financial companies
information about your transactions and experiences
information about your creditworthiness
We collect your personal information, for example, when you
- Open an account or pay your bills
- Apply for financing or give us your income information
- Give us your contact information
We also collect your personal information from others, such as credit bureaus or other companies.
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.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Skopos Financial has no affiliates.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Skopos Financial doesn’t share with nonaffiliates so they can market to you
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Skopos Financial doesn’t jointly market
California residents: We will not share your personal information with nonaffiliates for their marketing purposes except with your express consent. We will not share your personal information with affiliates or other financial companies for joint marketing purposes, except as permitted by law after we give you any required opt-out notice or with your express consent.
North Dakota residents: We will not share your personal information with nonaffiliates for their marketing purposes or with other financial companies for joint marketing purposes, except with your express consent.
Vermont residents: We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.