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.
The types of personal information we collect and share depend on the product or - service you have with us. This information can include:
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 reasons CRESCENT chooses to share; and whether you can limit this sharing.
Reasons We Can Share Your Personal Information
Does Crescent 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
For our marketing purposes – to offer our products and services to you
For joint marketing with other financial companies
We don’t share
For our affiliates’ everyday business purposes – information about your transactions and experiences
We don’t share
For our affiliates’ everyday business purposes – information about your creditworthiness
We don’t share
For our affiliates to market to you
We don’t share
For our nonaffiliates to market to you
We don’t share
Who We Are?
Who is providing this notice?
Crescent Financial Inc., referred to herein as Crescent.
What We Do?
How does CRESCENT 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.
How does CRESCENT collect my personal information?
We collect your personal information, for example, when you:
We also collect your personal information from other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Personally Identifiable Information We Collect Online
We collect Personally Identifiable Information from you through your use of the Site and Services. “Personally Identifiable Information” is individually identifiable information about an individual consumer that we collect online and that we maintain in an accessible form. We collect the following types of Personally Identifiable Information: Information You Provide.
We may collect the following Personally Identifiable Information that you voluntarily provide to us on the App:
We may collect the following Personally Identifiable Information that you voluntarily provide to us on the Site:
Information as You Navigate Our Site and App
We automatically collect certain Personally Identifiable Information through your use of the Site and App, such as the following:
Third Party Information
How We Use Your Personally Identifiable Information
We use the Personally Identifiable Information we collect to provide the Services to you, to improve our Services, Site and App, and to protect our legal rights. In addition, we may use the Personally Identifiable Information we collect to:
How We Share Your Personally Identifiable Information
We may share the information that we collect about you in the following ways:
How You Can Opt-Out of Cookies on the Site?
Browser settings. Cookies can be blocked by changing your Internet browser settings to refuse all or some Cookies. If you choose to block all Cookies (including essential Cookies) you may not be able to access all or parts of the Site.
You can find out more about Cookies and how to manage them by visiting www.AboutCookies.org or www.allaboutcookies.org.
Platform Controls. You can opt out of Cookies set by specific entities by following the instructions found at these links: Google: https://adssettings.google.com
Advertising Industry Resources. You can understand which entities have currently enabled Cookies for your browser or mobile device and how to opt-out of some of those Cookies by accessing the Network Advertising Initiative’s website or the Digital Advertising Alliance’s website. For more information on mobile specific opt-out choices, visit the Network Advertising Initiative’s Mobile Choices website.
Please note that these opt-out mechanisms are specific to the device or browser on which they are exercised. Therefore, you will need to opt out on every browser and device that you use.
To ensure that your Personally Identifiable Information receives an adequate level of protection, we have put in place appropriate procedures with the service providers we share it with to ensure that it is treated consistent with applicable data security and privacy laws. For example, we use Plaid, a banking application programming interface, cloud data storage; payroll processors; accounting software; payment processors; marketing service providers.
Some internet browsers incorporate a “Do Not Track” feature that signals to websites you visit that you do not want to have your online activity tracked. Given that there is not a uniform way that browsers communicate the “Do Not Track” signal, the Site and App do not currently interpret, respond to or alter its practices when it receives “Do Not Track” signals.
Review and Request Changes to Your Personally Identifiable Information
To review or request changes to any of your Personally Identifiable Information, please contact us at firstname.lastname@example.org.
To unsubscribe from our marketing emails, please click the unsubscribe link included in the footer of our emails. You also may submit a request to us at email@example.com.
We maintain commercially reasonable security measures to protect the Personally Identifiable Information we collect and store from loss, misuse, destruction, or unauthorized access. However, no security measure or modality of data transmission over the Internet is 100% secure. Although we strive to use commercially acceptable means to protect your Personally Identifiable Information, we cannot guarantee absolute security.
The Site, App and Services are not intended for children under 13 years of age. We do not knowingly collect, use, or disclose personal information from children under 13.
We do not disclose personal information obtained through our Site or Services to third-parties for their direct marketing purposes. Accordingly, we have no obligations under California Civil Code § 1798.83.
If you are a California resident under the age of 18 and a registered user of the Services, California Business & Professions Code § 22581 permits you to request and obtain removal of content or information posted on the Services by you. If you wish to make a request, please contact us at firstname.lastname@example.org. Please be aware that removal does not ensure complete or comprehensive removal of the content or information posted on the Services by you and there may be legal reasons for denying your request.
To contact us for questions or concerns about our privacy policies or practices please contact us at email@example.com.