Revision Date: 07/11/2023
|FACTS||WHAT DOES WOODSIDE CREDIT 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 income
– Your name and address
– Account balances and payment history
– Credit history and credit scores
|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 Woodside Credit chooses to share; and whether you can limit this sharing.|
|Reasons we can share your personal information:||Does Woodside Credit 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 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|
|Questions?||Call 800-717-5180 or go to http://www.woodsidecredit.com|
|Who we are|
|Who is providing this notice?||Woodside Credit|
|What we do|
|How does Woodside Credit 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 companies that work for us to protect your information.|
|How does Woodside Credit collect my personal information?||We collect your personal information, for example, when you|
– Open an account
– Apply for a loan
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 nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
|Affiliates||Companies related by common ownership or control. They can be financial and nonfinancial companies.|
– We do not have affiliated companies
|Nonaffiliates||Companies not related by common ownership or control. They can be financial and nonfinancial companies.|
– Woodside Credit does not share with any nonaffiliates
|Joint marketing||A formal agreement between nonaffiliated financial companies that|
together market financial products or services to you.
– Woodside Credit does not jointly market
Links to Other Websites
Links to third party websites on this Site are provided solely as a convenience to you. If you use these links, you will leave this Site. Woodside Credit, LLC has not reviewed any of those third party sites and does not endorse or make any representations about them or any information or product or materials found therein. Because we do not have any control over such sites, you acknowledge and agree that we are not responsible for the content of the sites or the availability, accuracy, completeness, efficacy, or timeliness of information contained on those sites. If you decide to access any of the third party sites linked to this Site, you do so entirely at your own risk. Woodside Credit, LLC makes no representation or warranty as to any third party products.
Enforcement of Terms and Conditions; Governing Law
Woodside Credit, LLC may terminate this agreement at any time without notice for any reason. Users may terminate this agreement by destroying all materials obtained from the Site.
From time to time, we may make changes to our information practices or alter the functionality of the website. We will update this statement accordingly, so we encourage you to periodically review this page for the latest information on terms and conditions of use.
Access to Data and Deletion Request Rights
You may send us an email to [email protected] to request access to, correct or delete any personal information you have provided to us. Valid requests for correction or deletion of Personal Data which is incomplete, inaccurate or excessive will be respected by Woodside Credit, LLC, except that deletion will not be performed where retention is required by the contractual relationship between Woodside Credit, LLC and the individual, in the context of a legal dispute or other legal retention requirement, or as otherwise required by law.
We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:
- Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
- Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
- Comply with a legal obligation.
- Make other internal and lawful uses of that information that are compatible with the context in which you provided it.
Privacy Notice for California Residents
We collect information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer, household, or device (“personal information”), and sensitive personal information, as defined in the CCPA.
Personal and sensitive personal information does not include:
- Publicly available information from government records;
- Deidentified or aggregated consumer information;
- Information excluded from the CCPA/CPRA’s scope, such as:
- Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data; and
- Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), Gramm-Leach-Bliley Act (GLBA), California Financial Information Privacy Act (CalFIPA), and Driver’s Privacy Protection Act of 1994.
Categories of Personal Information Collected
We may have collected the following categories of personal information from consumers within the last twelve (12) months:
|A. Identifiers||A real name, alias, postal address, unique personal identifier, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.|
|B. Categories of personal information listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e))||A name, signature, Social Security number, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. (Some personal information included in this category may overlap with other categories.)|
|C. Protected classification characteristics under California or federal law||Age (40 years or older), race, color, ancestry, national origin, citizenship, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression), pregnancy or childbirth (including related medical conditions), sexual orientation, veteran or military status|
|D. Commercial information||Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies|
|E. Biometric information||Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data|
|F. Internet or other similar network activity||Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.|
|G. Geolocation data||Physical location or movements.|
|H. Sensory data||Audio, electronic, visual, thermal, olfactory, or similar information.|
|I. Professional or employment-related information||Current or past job history or performance evaluations.|
|J. Inferences drawn from other personal information||Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes|
|K. Sensitive Personal Information||This may include your Social Security, driver’s license, state identification card, or passport number; your account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account; your precise geolocation; your racial or ethnic origin, religious or philosophical beliefs, or union membership; your genetic data; your biometric information for the purpose of uniquely identifying you; your health information; and/or information related to your sex life or sexual orientation.|
Sources of Information Collected
We obtain the categories of personal information listed above from the following categories of sources:
- Directly from you or your agents. For example, from forms you complete or documents you provide us with related to the services for which we are engaged.
- Indirectly from you or your agents. For example, through information we collect from our clients in the course of providing services to them.
- Indirectly from our service providers and contractors. For example, web analytics data, such as type of browser software, during use of our digital services.
Purposes of Collecting Information
We may collect personal information for one or more of the following business or commercial purposes. They include:
- fulfillment of the reason(s) you provided the information, such as the:
- provision of information, products, or services you request from us; and
- processing of your requests, transactions, and payments;
- provision of support and responses to your inquiries, such as investigating and addressing your concerns and monitoring and improving our responses;
- prevention, detection, and investigation of security incidents that potentially compromise the availability, authenticity, integrity, or confidentiality of stored or transmitted data;
- resistance to malicious, deceptive, fraudulent, or illegal actions directed at the business and to prosecute those responsible for those actions;
- the carrying out of our obligations and enforcement of our rights arising from any contracts entered into between you and us;
- support of our ongoing operations and to maintain all our services and products, including audits and analytics collection, processing, debugging, and research;
- responding to law enforcement requests and as required by applicable law, court order, or governmental regulations;
- evaluation or conducting of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the assets transferred; and
- any other purpose described to you during collection of your personal information or as otherwise set forth in the CCPA/CPRA.
No Selling or Sharing of Personal Information to Third Parties
In the preceding twelve (12) months, we did not sell or share personal information to or with third parties.
No Selling or Sharing of Personal Information of Consumers Under the Age of Sixteen
We do not have actual knowledge that we sell or share information of consumers under the age of sixteen (16).
No Disclosures of Sensitive Personal Information to Third Parties
In the preceding twelve (12) months, we did not disclose sensitive personal information to third parties. We only disclose personal information and sensitive personal information for a business purpose within our own company and to service providers/contractors with whom we enter a contract.
Retention of Your Information
Our retention periods are based on timeframes necessary to:
- fulfill the completion of transaction(s) for which we collected the personal information;
- take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you;
- detect and mitigate security incidents, including malicious, deceptive, fraudulent, and illegal activity, or prosecute those responsible for such activities;
- debug products to identify and repair errors that impair existing intended functionality;
- engage in research in the public interest that adheres to applicable laws, if you provided informed consent;
- enable our operations and solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us;
- comply with a legal obligation or exercise a right provided for by law; and/or
- make other internal and lawful uses of the information that are compatible with the context in which you provided it.
Your Rights and Choices
Rights You May Exercise
The CCPA/CPRA provide consumers (California residents) with specific rights regarding their personal information. This section describes your rights as a consumer under California law and explains how to exercise those rights.
A. Right to Know – You have the right to know what personal information we have collected about you. This includes a request for any or all of:
- specific pieces of personal information we collected about you;
- categories of personal information we collected about you;
- categories of sources from which the personal information was collected;
- categories of personal information we disclosed or sold for a business purpose about you;
- categories of third parties to whom the personal information was sold or disclosed for a business purpose; and
- the business or commercial purpose for collecting or selling personal information.
B. Right to Delete – You have the right to have your personal information that we have collected from you deleted, subject to certain exceptions.
C. Right to Correct – You have the right to have inaccurate personal information that we maintain about you corrected.
D. Right to Freedom from Discrimination – You have the right not to receive discriminatory treatment by us for the exercise of privacy rights described here and in the CCPA/CPRA, as conferred by those laws. This includes an employee’s, applicant’s, or independent contractor’s right not to be retaliated against for the exercise of their CCPA/CPRA rights.
We may make changes to this Policy from time to time. Any changes to this Policy will become effective upon posting the revised Policy on our website. We will inform you of material changes to this Policy by posting a link to the revised policy on our website or by informing you through a channel of communication that you have provided to us.
For any further information or to contact us about with a request please contact us at the below addresses:
Woodside Credit, LLC
895 Dove Street Suite 100
Newport Beach, CA 92660
Telephone: (949) 717-5100
Email: [email protected]