Privacy Policy
FACTS
WHAT DOES ZINC 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 services you have with us. This information can include:
- Social Security number and income
- 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.
How?
All financial companies need to share customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer’s personal information; the reason ZINC. chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information | Does ZINC 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 products and services to you | No | We don’t share |
For joint marketing with other financial companies | No | We don’t share |
For our affiliates’ everyday business purposes ‐information about your transactions and experiences | No | No |
For our affiliates’ everyday business purposes ‐information about your creditworthiness | No | We don’t share |
For our affiliates to market to you | No | We don’t share |
For non-affiliates to market to you | No | We don’t share |
Questions? Call 559-326 2509 or write to us 1525 E Shaw Fresno, CA 93710
Who we are A licensed Finance Company, Mortgage Fund and Real Estate Investments
Who is providing this notice?
ZINC Financial, Inc, ZINC Auto Finance, Inc. ZINC Income Fund, LLC, ZINC Realty, Inc. ZINC REITT, LLC.
How does ZINC 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 restrict access to nonpublic personal information about you to employees and service providers who need that information to provide products or services to you.
How does ZINC collect my personal information?
We collect your personal information, for example, when you
- Apply for financing
- Give us your income information or provide employment information
- Pay your bills or provide your contact information
We also collect your personal information from others, such as credit bureaus, 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 credit worthiness
- 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.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Non-affiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies, such as
- Dealers and vehicle service contract companies
- Banks, finance companies and credit unions
Insurance providers, direct marketing companies and their service providers
Other important information
Important Notice about Credit Reporting: We may report information about your account(s) to credit bureaus and/or consumer reporting agencies. Late payments, missed payments, or other defaults on your account(s) may be reflected in your credit report and/or consumer report.
California Residents: Under California law, we will not share information we collect about you with non-affiliates, unless the law allows. For example, we may share information with your consent or to service your accounts. We will limit sharing among our affiliates to the extent required by California law.
Revised 06-01-2016