Privacy Policy

FACTS	WHAT DOES XPRESS FINANCIAL 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. The types of personal information we collect and share depend on the product or service you have with us. This information can include:
What?	Social Security number and investment experience account balances and transaction history payment history and credit 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 Xpress Financial chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Xpress Financial 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; or, as permitted by law	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	No
For our affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	No	We Don't
Reasons we can share your personal informations	Does Xpress Financial Share?	Can you limit this sharing?

Call 1.866.688.6608 — our menu will prompt you through your choices.

Please note:

To limit our sharing	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 1.866.688.6608
Who we are
Who is providing this notice?	This notice is provided by certain specific companies* in the Xpres Financial Corporate family, such as banks, consumer finance companies, securities broker-dealers, investment advisors, and mortgage companies.
What we do
How does Xpress Financial 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. Our employees are bound by our Code of Ethics and policies to access consumer information only for legitimate business purposes and to keep information about you confidential.
	We collect your personal information, for example, when you
How does Xpress Financial collect my personal information?	apply for a loan give us your employment history We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all	Federal law gives you the right to limit only
sharing?	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.
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	Companies related by common ownership or control. They can be financial and nonfinancial companies.
Affiliates	Our affiliates include financial companies such as banks, consumer finance companies, securities broker-dealers, insurance agencies, investment advisors, clearing firms, and mortgage companies. Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Nonaffiliates	Nonaffiliates we share with can include government entities. credit bureaus, insurance companies, companies that perform marketing services on our behalf, and companies that assist in servicing your loan(s) or account(s) with us. A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Joint marketing	Our joint marketing partners include financial institutions such as insurance companies and financial product or service marketing companies.

Other Important Information

You may have other privacy protections under some state laws. We will comply with applicable state laws as to information about you, including medical information.

Accounts with California or Vermont addresses will be treated as if you opted out of joint marketing arrangements.

Accounts with Vermont addresses will be treated as if you opted out of sharing information among our affiliates.

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