WHAT DOES BRIGHT CAPITAL, INC. ("BRIGHT MONEY") 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

  • payment history and account balances

  • credit history and employment information

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 Bright Capital chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Bright Money share?

Can you limit this sharing?

For our everyday business purposessuch 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
No
We don't share
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 creditworthiness
No
We don't share
For our affiliates to market to you
No
We don't share
For our nonaffiliates to market to you
No
We don't share

Who we are?

Who is providing this notice?

Bright Capital, Inc. (“Bright Money”)

What we do?

How does Bright Money 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 Bright Money collect my personal information?

We collect your personal information, for example, when you

  • apply for a loan or open an account 

  • pay your bills or give us your income information

  • give us your contact information

We also collect your personal information from others, such as credit bureaus, 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.

Definitions

Affiliates

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

  • Bright Money does not share with our affiliates.

Non-affiliates

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

  • Bright Money 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.

  • Bright Money doesn’t jointly market.