FACTS |
WHAT DOES SOUTH PACIFIC FINANCIAL CORPORATION (SPFC) DO |
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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:
When you are no longer our customer, we continue to share your information as described in this notice. |
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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 South Pacific Financial Corporation chooses to share; and whether you can limit this sharing. |
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Reasons we can share your personal information |
Does SPFC share? |
Can you limit this sharing? |
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For our everyday business purposes — |
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For our marketing purposes — |
Yes |
No |
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For joint marketing with other financial companies |
No |
We don't share |
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For our affiliates’ everyday business purposes — |
Yes |
No |
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For our affiliates’ everyday business purposes — |
No |
We don't share |
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For our affiliates to market to you |
Yes |
Yes |
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For non-affiliates to market to you |
No |
We don't share |
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To limit |
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. |
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Questions? |
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Page 2 |
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Who we are |
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Who is providing this notice? |
South Pacific Financial Corporation legal entities covered by this notice South Pacific Financial Corporation and companies with “South Pacific Financial Corporation” or “North Pacific Financial Corporation” in their names, including SPFC; NPFC and SPDirect Lending
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What we do |
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How does SPFC 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. |
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How does SPFC collect my personal information? |
We collect your personal information, for example, when you
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. |
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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. |
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What happens when I limit sharing for an account I hold jointly with someone else? |
Your choices will apply to everyone on your account—unless you tell us otherwise. |
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Definitions |
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Affiliates |
Companies related by common ownership or control. They can be financial and nonfinancial companies.
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Non-affiliates |
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
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Joint marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
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Other important information |
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California: Under California law, we will not share information we collect about you with companies outside of South Pacific Financial Corporation, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing among our companies to the extent required by California law. For Nevada residents only: We are providing you this notice under state law. You may be placed on our internal Do Not Call List by following the directions in the To limit direct marketing contact section. Nevada law requires we provide the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: (702) 486-3132; email: BCPINFO@ag.state.nv.us. South Pacific Financial Corporation, 100 Pacifica, Suite 100, Irvine, CA 92618; Phone number: (877) 254-6989 |