We collect personal information about you from the information you provide (or is provided on your behalf) on applications and other forms, such as your name, address, telephone number, mobile number, employer, and income. We also collect information about your transactions with us (such as account balances and payment histories), as well as information from consumer reporting agencies and other creditors.
How Excel Finance uses the information collected
We use the personal information we collect to process your request for services, products or information, to improve our customer service and products, and/or to mail your information about our products and services. We may also use the information that we collect for analytical purposes, such as internal marketing research or internal marketing purposes, as allowed by law.
How and when Excel Finance shares the information collected
We may share some information for your benefit as authorized by you. We may also share some information with vendors or third parties for our everyday business purposes or to provide you with account services.
We may provide information to other creditors who seek information necessary to process a transaction that you have requested or authorized. We may also disclose your information as otherwise permitted or required by law, such as in response to a court summons or subpoena, to a consumer reporting agency in accordance with the Fair Credit Reporting Act (“FCRA”), or when required by governmental agencies.
We do not share your personal information with, or sell it to, any outside companies for their own use.
How Excel Finance protects the information collected
We take many steps to safeguard your personal and account information. We restrict access to your personal information to those employees who have legitimate business need to have access to it in order to provide services or products to you. We maintain physical, electronic and procedural safeguards designed to restrict access to where customers’ personal information might be stored. We are required to keep customer information for specific periods of time under state and/or federal law. Once that time period has passed, the information is shredded or otherwise destroyed.
Pursuant to the FCRA, customers may exercise their right to restrict the use of certain personal information in accordance with the FCRA. However, we want you to understand that, even if you elect to “opt-out”, the law permits, and business needs necessitate us to share certain customer information. Additional information regarding “opt-out” rights may be found in our Privacy Notice, which can be assessed by clicking the link at the top of the page.