Cardless Simon American Express Credit Card Privacy Notice (Rev. 03-2024)
CARDLESS, INC. SIMON AMERICAN EXPRESS CREDIT CARD PRIVACY NOTICE
FACTS WHAT DOES CARDLESS, 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. |
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| 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 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 Cardless, Inc. chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does Cardless, Inc. 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 nonaffiliates to market to you | Yes | Yes |
| For nonaffiliates' everyday business purposes-related to calculating eligible transactions in order to accrue or recognize rewards | Yes | No |
| To limit our sharing | Call us at 1-888-227-3537 Email us at privacy@cardless.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 can continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. |
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| Questions? | Call 1-888-227-3537 or email us at privacy@cardless.com |
| WHO WE ARE | |
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| Who is providing this notice? | Cardless, Inc. |
| WHAT WE DO | | | How does Cardless, Inc. 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 Cardless, Inc. collect my personal information? | We collect your personal information, for example, when you: · apply for a loan or open an account · give us your contact information or pay your bills · use your credit or debit card 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. | | 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. · Cardless, Inc. does not share with our affiliates |
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies. · Nonaffiliates we share with can include the retailer named on your account, its affiliates, and its service providers |
| Joint marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you. · Cardless, Inc. doesn't jointly market |
Other important information
VT: Under Vermont law, we will not share information we collect about Vermont residents with nonaffiliated third parties, except as permitted by Vermont law, such as to process your transactions or to maintain your account. In addition, we will not share information about your creditworthiness with our affiliates, other than as permitted by Vermont law, except with your authorization.
NV: We are providing you this notice pursuant to Nevada law. If you prefer not to receive marketing calls from us, you may be placed on our Internal Do Not Call List by calling us at 1-888-227-3537 or emailing us at privacy@cardless.com. Please note that at this time, Cardless does not anticipate engaging in telephonic marketing communications. For more information, contact us at the email address in the prior sentence with "Nevada Annual Notice" in the subject line. You may also contact the Nevada Attorney General's office: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; telephone number: 1–702–486–3132; email BCPINFO@ag.state.nv.us.
CA: Under California law, we will not share information we collect about you with nonaffiliated third parties, unless the law allows. For example, we may share information to service your accounts or to provide rewards or benefits you are entitled to, or with your consent.