What Does Lake Charles Finance & Mtg 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 account balance
- Account transactions checking account information
- Credit history
When you are no longer our customer, we do not continue to share your information As described in this notice.
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 reason Lake Charles Finance & MTG chooses to share; and weather you can limit this sharing.
Reason We Can Share Your Personal Information
For our everyday business purposes- such as transactions, maintaining your accounts, respond to court orders and legal investigations, or report to credit bureaus. We do share and you cannot limit this sharing.
For our marketing purpose- to offer our products and services to you. We do share and you cannot limit this sharing
For joint marketing with other financial companies. We do share and you cannot
Limit this sharing
For affiliates everyday business purposes-information about your transactions and Experiences. We do share and you cannot limit this sharing
For affiliates everyday business purposes- information about your creditworthiness. We do not share this information
We do not share for our affiliates to market to you
We do not share for our nonaffiliates to market to you.
What We Do
How does Lake Charles Finance & MTG protect my personal information? To protect your 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.
How does Lake Charles Finance & MTG collect my personal information? We collect your personal information, for example when you apply for a loan, or you give us your contact information
We also protect your personal information from 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 law and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates- Companies related by common ownership or control. They can be financial and nonfinancial companies
Nonaffiliates- Companies not related by common ownership or control. They can be financial and non-financial companies. Lake Charles Finance & MTG will not share with non-affiliates so they can market to you.
Join Marketing- A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Questions?
Call (337) 310-2274
LAKE CHARLES FINANCE & MORTGAGE, LLC is committed to protecting your privacy. This Privacy Policy (the "Policy") governs how we treat the Personal Information that we collect and receive from you in connection with your use ofthe SMS Service ("Service"), which we make available to you throughathird-party service provider. This Policy is incorporated into the Terms of Service.
By using the Service, you agree to the terms of this Policy. LAKE CHARLES FINANCE & MORTGAGE, LLC reserves the right, in its sole discretion, to modify or change this Policy at any time with or without prior notice to you. The date of the last update will be posted at the bottom ofthis Policy for your convenience. This Policy, and any changes, are effective as soon as posted. Your continued use of the Service following the posting of any changes to the Policy constitutes your full acceptance of those changes.
"Personal Information" is information that individnally identifies you, such as your mobile phone number or user/screen name, as well as the any Personal Information that you choose to include in messages you send through the Service.
Through the use of the Service, LAKE CHARLES FINANCE & MORTGAGE, LLC will receive the following information from our third party service provider: your mobile phone number when you send a text message to us, the text of messages that you send to other users of the Service, any user or screen name that you select in connection with the Service, as well as any comments or feedback regarding the Service that you send to us.
We use Personal Information to (a) provide you with the Service, (b) process and respond to inquiries, (c) improve the Service, (d) ifnecessary, contact you with important announcements or messages, (e) conduct research, and (f) provide anonymous reporting for internal and external clients and partners.
Each message that you send through the Service (either to us or to other users of the Service) is stored on our servers. We retain these messages on our servers. LAKE CHARLES FINANCE & MORTGAGE, LLC utilizes servers and services owned by third parties.
We will not rent or sell your Personal Information to other companies or individuals, unless we have your consent. We may use or disclose such information in any of the following limited circumstances:
- We have your consent.
- We need to enforce our Terms of Service.
- We provide such information to trusted businesses or persons for the sole purpose
of processing Personal Information on our behalf. When this is done, it is subject to
agreements that oblige those parties to process such information only on our
instructions and in compliance with this Policy and appropriate confidentiality and
security measures. If the third party fails to comply with our terms, LAKE
CHARLES FINANCE & MORTGAGE, LLC is not accountable in any way for any
liability or reimbursement. - We provide such information to third parties who have entered into non-disclosure
agreements with us. - We provide such information to a company controlled by, or under common control with, LAKE CHARLES FINANCE & MORTGAGE, LLC for any purpose
permitted by this Policy. - We respond to subpoenas, court orders, or legal process, or to establish or exercise
our legal rights, or the legal rights of others, or defend against legal claims. - We believe it is necessary to share Personal Information to investigate, prevent, or
take action regarding illegal activities, suspected fraud, situations involving
potential threats to the physical safety of any person, violations of LAKE
CHARLES FINANCE & MORTGAGE, LLC's Terms of Service, or as otherwise
required by law. - We transfer Personal Information about you if LAKE CHARLES FINANCE &
MORTGAGE, LLC is, or its assets are, acquired by or merged with another
company.
We may share aggregated information with others without further notice. An example of this would be the number of people who used the Service in a given month or the total number of texts sent in a given week.
LAKE CHARLES FINANCE & MORTGAGE, LLC takes precautions to ensure the security of your Personal Information, including ensuring that our third party service providers protect the security ofyour Personal Information. However, we cannot guarantee that hackers or unauthorized personnel will not gain access to your Personal Information despite our efforts. You should note that in using the Service, your information will travel through third party infrastructures which are not under oúr control (such as a third party SMS delivery platform or your carrier network). We cannot protect, nor does this Policy apply to, any infornmation that you transmit to other users. You should never transmit personal or identifying information to other users.
A mobile user might opt-in by:
- Entering a phone number online,
- Sending an Mobile Originating (MO) message containing an advertising keyword,
- Filling outapaper form that includes their phone number, or
- Signing up at a point-of-sale location.
LAKE CHARLES FINANCE & MORTGAGE, LLC's third-party service provider gives you the ability to opt out of the Service for any reason. You can opt out by replying "STOP" or "QUIT".We reserve the right to send you certain communications relating to the Service, such as announcements and administrative messages, without offering you the opportunity to opt-out of receiving them.
The Service is not intended for children under 13, and LAKE CHARLES FINANCE & MORTGAGE, LIC does not knowingly collect information from children under the age of 13.Children aged 13 or older should not submit any Personal Information without the permission of their parents or guardians. By using the Service, you are representing thạt you are at least 18, or that you are at least 13 years old and have your parents' permission to use the service.
LAKE CHARLES FINANCE & MORTGAGE, LLC requires that users of this service be limited to US residents only.
If you have any additional questions regarding this Policy, please feel free to contact us any time by replying "HELP".
Use ofthe LAKE CHARLES FINANCE & MORTGAGE, LLC text message-based services (the "Service") is subject to the following Terms of Service. These terms constitute a legal agreement (the "Agreement"). Please read them carefully.
- LAKE CHARLES FINANCE & MORTGAGE, LLC will allow several different opportunities, such as entering a phone number online, to opt-in to SMS services.
- You can cancel the Service at any time. Just text the reply "STOP". After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time, and we will start sending SMS messages to you again or you can reply "UNSTOP".
- If at any time you forget what keywords are supported, just text "HELP". After you send the SMS message "HELP" to us, we will respond with instructions on how to contact us to obtain assistance.
- As always, message and data rates may apply for any messages sent to you from us and to us from you, and LAKE CHARLES FINANCE & MORTGAGE, LLC is not liable for the cost of any such messages. You will receive recurring messages. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
- For all questions about the Service provided by LAKE CHARLES FINANCE & MORTGAGE, LLC, you can call 337-310-2274.
- You understand that anyone with access to your mobile phone may be able to view the messages you receive when using the Service, and you agree that LAKE CHARLES FINANCE & MORTGAGE, LLC will not be liable to you if this occurs.
- You understand that you are not required to consent to the Service to receive any other services from LAKE CHARLES FINANCE & MORTGAGE, LLC.
- By agreeing to these Terms of Service and providing us with your mobile phone number when you opt in to the Service, you authorize LAKE CHARLES FINANCE & MORTGAGE, LLC to contact you by text message at your mobile phone number using an automatic telephone dialing system or device, or any other computer assisted technology as applicable.
- If you have any questions regarding privacy, please contact us at (337) 310-2274.