Privacy Policy

YOUR PRIVACY. OUR PRIORITY.

PROFINIUM’S COMMITMENT TO PROTECTING YOUR INFORMATION

At Profinium, safeguarding your personal information is fundamental to how we serve you. Our Privacy Policy explains what data we collect, how we use it, and the measures we take to keep your information secure. We are committed to transparency and respect for your privacy every step of the way.

Please review our full policy below to understand your rights and our practices.

Rev. 7/2019

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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 transaction or loss history Account balances and payment history Credit history and account transactions
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 PROFINIUM, INC. chooses to share; and whether you can limit this sharing.

Reasons We Can Share Your Personal Information	Does Profinium 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	No	We Do Not Share
For our affiliates to market to you	Yes	Yes
For our nonaffiliates to market to you	No	We Do Not Share

What We Do
How does Profinium, Inc protect my 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 maintain physical, electronic, and procedural safeguards to protect this information and limit access to information to those employees for whom access is appropriate.
How does Profinium, Inc collect my information?	We collect your personal information, for example, when you open an account or use your credit or debit card apply for a loan or show your government-issued ID make deposits or withdrawals from your account 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. (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. Our affiliates include others, such as Profinium Insurance Agency, Inc. and Profinium Financial Holdings, Inc.
Non‑Affiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. PROFINIUM, INC. does not share 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. Our joint marketing partners include investment and credit card companies.