Privacy Statement

Our Commitment to You

88 Choice (the Company) greatly appreciate the trust that you and millions of customers have placed in us, and we will protect that trust by continuing to respect the privacy of all our applicants and customers even if our formal customer relationship ends. If you have selected a credit insurance product, the privacy statement applicable to that credit insurance product is set forth at the end of this privacy statement.

How We Handle Information We Obtain

It is important for you to know that in order to ensure that our customers get the very best service and the highest quality products, 88 Choice collects demographic information (like your name and address) and credit information (like information related to your accounts with us and others). This information comes either directly from you, for instance, from your application and transactions on your account; or, it may come from an outside source such as your credit bureau report. In addition, if you visit our Internet web site, we may collect certain information about your Internet usage. Because some of the information we gather is not publicly available, we take great care to ensure that this information is kept safe from unauthorized access, and we will not shares the information in violation of any regulation or law. 88 Choice diligently maintains physical, electronic and procedural safeguards that comply with applicable federal standards to guard your private personal information and to assist us in preventing unauthorized access to that information.

How We Share Information with Companies Affiliated with Us

From time to time, for general business purposes such as fraud control, or when we think it may benefit you, we do share certain information with our affiliated companies, except as prohibited by applicable law. We may also share certain information with non-financial service providers that become affiliated with us in the future (such as travel, auto, or shopping clubs), except as prohibited by applicable law. The information we share might come from your application, for instance your name, address, telephone number, social security number, and e-mail address. Also, the information we share could include your transactions with us or our affiliated companies (such as your account balance, payment history, and parties to the transaction), your Internet usage, or your credit usage. Except for Vermont residents, the information we share could also include your assets, income, or credit reports.

How We Share Information with Other Third Parties

Except for California or Vermont residents, we also may share information with non-affiliated companies that are able to extend special offers we feel might be of value to you. These companies may be financial services providers (such as mortgage bankers or insurance agents) or they may be non-financial companies (such as retailers or marketing companies). These offers are typically for products and services that you might not otherwise hear about. The information we may provide them comes from the sources described above and might include your name, address and phone number. For California and Vermont residents, applicable law requires us to obtain your permission in order to share information about you in this way, and we have chosen not to share your information in this way. We may also provide information to non-affiliated companies that perform operational, collection, or fraud control services related to your account. The sharing of information with these types of companies is permitted by law. Such a company might include a financial company (such as an insurance service provider) or a non-financial company (such as a data processor or internet service provider) with whom we have a service agreement. The information we may share also comes from the sources described above and might include your name, address, phone number, and account experience with us. Finally, we provide information about you to non-affiliated companies such as credit reporting agencies and companies which provide services related to your account. This information sharing is also permitted by law.

We reserve the right to change our privacy practices at any time in accordance with applicable law. Notice of such changes will be provided if required by applicable law.

How to Opt-Out

(non-affiliated companies)
(Applicable to residents of all states except California and Vermont )
If you do not want us to share your private information with non-affiliated companies (unless we are permitted or required by law to do so), please let us know by writing to us at 100 Rialto Place Suite 757, Melbourne, FL 32901. If you have previously informed us of your preference about this account, you do not need to do so again. We will be happy to comply with your "opt-out" request. An opt-out request by any party on a joint account will apply to all parties on the joint account. Opt-out requests will not apply to information sharing that is permitted by law. Please allow sufficient time for us to process your request.

How to Opt-Out

(affiliated companies)
(Applicable to residents of all states except Vermont )
If you do not want us to share your credit information (such as your credit bureau information) with companies that are affiliated with us (unless we are permitted or required by law to do so), please let us know by writing to us at 100 Rialto Place Suite 757, Melbourne, FL 32901. If you have previously informed us of your preference about this account, you do not need to do so again. This request will not apply to information about your transactions or experiences with 88 Choice, except as required by law. An opt-out request by any party on a joint account will apply to all parties on the joint account.

NOTE: When your relationship with us ends, your information with us remains protected as outlined above.

Atención clientes hispanohablantes:

Esta Declaración Sobre Privacidad proporciona información sobre cómo manejamos información personal no pública acerca de nuestros clientes, las circunstancias bajo las cuales podemos compartir tal información con otras personas y cómo usted puede pedir que no compartamos esa información con terceros que no sean afiliados nuestros. Si quisiera que le proporcionemos una traducción al español de la Declaración Sobre Privacidad en su totalidad, sírvase comunicarse con nosotros escribiendo a 100 Rialto Place, Suite 757 , Melbourne , FL 32901 .