Privacy and Security

We care about your information.

LendUp Card Services, Inc. ("LendUp Card Services") and Beneficial State Bank have joined forces to offer you the L Card. Under our arrangement, the L Card is issued by Beneficial State Bank and serviced by LendUp Card Services. As such, both companies must access some of your personal information in connection with your L Card application and account. Both LendUp Card Services and Beneficial State Bank care about the privacy and security of your personal information. Please take a moment to read through both the the LendUp Card Services Privacy Policy and the Beneficial State Bank Privacy Policy, which describe the types of personal information we collect and how we use it.

Rev. December, 2016

What Does LendUp Card Services, Inc. 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 score

When you are no longer our customer, we 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 LendUp Card Services chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does LendUp Card Services 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
Yes No
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 non-affiliates to market to you No We don’t share

Questions?

Call 855 570 3732 or visit www.lendup.com/card.

Who we are

Who is providing this notice?

LendUp Card Services, Inc.

What we do

How does LendUp Card Services protect my personal information?

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

How does LendUp Card Services collect my personal information?

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

  • Open an account or give your income information
  • Pay your bill

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 nonaffiliates 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.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

Our affiliates include:

  • LendUp Global, Inc.
  • Flurish, Inc. dba LendUp
Nonaffiliates

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

LendUp Card Services does not share with nonaffiliates so they can market to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Our joint marketing partners include companies such as banks.

Other important information

CA Residents: We will not share your information with nonaffiliates, except for our everyday business purposes, for marketing our products and services to you, or with your consent.

VT Residents only: We will not share information we collect about Vermont residents with companies outside of our corporate family, unless the law allows. For example, in connection with your credit card application and account, we share your information with the applicable issuing bank, which is a financial institution with whom we have entered into a joint marketing agreement.

NV Residents: We are providing you this notice under state law. To be placed on our internal Do Not Call List, call 1-855 570 3732. If you would like more information about telemarketing practices, you may contact us at LendUp Card Services, Inc., 237 Kearny Street, #197, San Francisco, CA 94108 or webinfo@lcard.com. For more on this Nevada law, contact Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; call 702-486-3132; or email BCPINFO@ag.state.nv.us.

Telephone Communications: All telephone communications with us or our authorized agents may be monitored or recorded.


Rev. December, 2016

What does Beneficial State Bank 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
  • Transaction history and account transactions

When you are no longer our customer, we 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 reasons Beneficial State Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Beneficial State Bank 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
Yes No
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 non-affiliates to market to you No We don’t share

Questions?

Call 888-326-2265 or visit www.beneficialstate.com.

Who we are

Who is providing this notice?

Beneficial State Bank

What we do

How does Beneficial State Bank 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 Beneficial State Bank collect my personal information?

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

  • Open an account or deposit money
  • Apply for a loan or give us your contact information
  • Provide account information
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 nonaffiliates 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.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Our affiliates include:

  • Beneficial State Bancorp
  • Beneficial State Foundation
  • Albina Community Bank
Nonaffiliates

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

Beneficial State Bank does not share with nonaffiliates so they can market to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Our joint marketing partners include companies such as our servicing agent(s).

Other important information

CA: We will not share your information with nonaffiliates, except for our everyday business purposes, for marketing our products and services to you, or with your consent.

VT Residents only: We will not share information we collect about Vermont residents with companies outside of our corporate family, unless the law allows. For example, in connection with your credit card application and account, we share your information with the applicable issuing bank, which is a financial institution with whom we have entered into a joint marketing agreement.

NV Residents: We are providing you this notice under state law. To be placed on our internal Do Not Call List, call 1-855 570 3732. If you would like more information about telemarketing practices, you may contact us at LendUp Card Services, Inc., 237 Kearny Street, #197, San Francisco, CA 94108 or webinfo@lcard.com. For more on this Nevada law, contact Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; call 702-486-3132; or email BCPINFO@ag.state.nv.us.

Telephone Communications: All telephone communications with us or our authorized agents may be monitored or recorded.


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