Privacy Policy

FACTS

WHAT DO WE DO WITH YOUR PERSONAL INFORMATION?

WHY?

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:

  • Name, Phone Numbers, Addresses, Birthdates, Driver License Info
  • Social Security number and income
  • Account Balances and Payment History
  • Credit History and Employment Information

HOW?

We do not sell our customer's personal data. All companies occasionally need to share customers' personal information to run their everyday business. In the section below, we list the reasons companies can share their customers' personal information; the reasons we may choose to share; and whether you can limit this sharing


Reasons we can share your personal information

Do we 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 *

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 YES

For our affiliates to market to you

 YES YES

For nonaffiliates to market to you

 NO *


MESSAGING PRIVACY POLICY

 No mobile information will be shared with any third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with or obtained by any third parties.

TO LIMIT OUR SHARING

 Call 330-277-5000 - our menu will prompt you through your choice(s) or Visit us online: www.endemeo.com

Please note:
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 may continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing as noted above.

QUESTIONS?

Call 330-277-5000 or visit www.endemeo.com


WHO WE ARE


Who is providing this notice?

Endemeo LLC and/or Endemeo corporate DBA imprints RefleXiFi or TIOSC

WHAT WE DO


How does Endemeo and/or it's DBA imprints protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with the federal law. These measures include computer safeguards and secured files and buildings.

How does Endemeo collect my personal information?

We collect your personal information, for example, when you:

  • Make a payment or give us your contact information
  • Apply for financing or provide employment information
  • Show us your Drivers License

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 credit worthiness
  • 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.

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


Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.
  - Our affiliates include RefleXiFi, TIOSC and other imprints under which Endemeo LLC does business.

Non-affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  - Endemeo does not share with non-affiliates so they can market to you.

Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you..
  - Endemeo does not jointly market