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Privacy

Your Privacy

Who we are

Who is providing this notice?

Skopos Financial, LLC

What we do

How does Skopos Financial 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 Skopos Financial collect my personal information?

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

  • Open an account or pay your bills
  • Apply for financing or give us your income information
  • Give us your contact information

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 creditworthiness
  • 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. See below for more on your rights under state law.

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 non-financial companies.

  • Skopos Financial has no affiliates.

Non-affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Non-affiliates we share with can include financial service providers, motor vehicle manufacturers, motor vehicle dealers, insurance companies, aftermarket product providers, direct marketers and retailers.

Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include financial service providers, motor vehicle manufacturers, motor vehicle dealers, insurance companies, aftermarket product providers, direct marketers and retailers.

What does Skopos Financial 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 income
  • Account balances and payment history
  • Credit history and credit scores

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; whether Skopos Financial chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Skopos Financial 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 Yes No
For our affiliates’ everyday business purposes – information about your transactions and experiences No We don’t share
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 our non-affiliates to market to you Yes Yes

Other important information

CA Residents

Accounts with a California mailing address are automatically treated as if they have limited the sharing as described on this page.

VT Residents

Accounts with a Vermont mailing address are automatically treated as if they have limited the sharing as described on this page. For joint marketing, we will only disclose your name, contact information, and information about your transactions.

Questions? Want to limit our sharing?

Call us toll-free: 1-877-756-7640

Email us: customeradvocacy@skoposfinancial.com

Write to us: Skopos Financial, Attn: Customer Advocacy, P.O. Box 1640, Coppell, TX 75019-1640

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 continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Rev. August 2015