Privacy Policy

 

Overview

We take your privacy seriously. We are committed to protecting the personal information and privacy of our clients.

 

Privacy (Website Visitors)

Our online statement describes how we collect, protect and use information about you either during your visit to our web site or when you work with Coltrain Funding group as a client.

 

Information we collect about you during your online visit

 

Website visitors / users

While browsing our website as a visitor or user, we may collect and sotre information about your online visit (cookies). This  information may include the time and length of your visit, the pages you view on our website, the last site you visited before coming to ours, and the name if your internet service provider.

 

We use this data to measure site activity, and on an individual basis to make the site more useful and provide information that may be of interest to you.

 

Security Statement

 

Encryption

We may use encryption to protect your information as it travels across the internet. This can help prevent others from eavesdropping on your browser sessions with our web servers.

 

Firewalls

Our web site may be protected by firewall technology, which helps prevent your information and our web site from being improperly accessed.

 

General Security

We will utilize the best available technology and methods in order to ensure your information is safe while traveling through the internet. Additionally, we will never ask you for sensitive information (social security numbers, Dates of birth, Account numbers, Pin codes) through this site.

 

Website Visitors / User Information Sharing

We may at times share your information as a visitor or user of this site to other third parties. These third parties may be affiliated companies. Also these third parties may be non-affiliated companies. Other third parties may be companies that are acting or performing on our behalf.

This information sharing may either be done to serve you better, to offer products and service that may be of interest to you, or to help facilitate a service that a third party is going to deliver on our behalf.

 

Lastly, we may at times receive compensation for sharing this information to third party companies. This information sharing may be the result of marketing agreements that exist between Coltrain Funding Group LLC and third party non-affiliated marketing partners.

 

*Please see opt out details below if you wish to opt out of this policy.

 

Information Collection and sharing practices for existing customers

 

Existing Customer / Previous Users

If you are a Coltrain Funding Group customer details about the information we collect and how it may be disclosed is contained in our Privacy Policy Notice, which is mailed to you. This notice includes additional information regarding your privacy choices. We collect information about you when you:

 

Apply for a loan

Inquire about a loan

Close a loan

 

We may also collect personal information about you from others. Such as credit bureaus, affiliates, employers, etc.

 

Information We Share About Our Previous Customers

We may collect and subsequently share personal information about current or previous Coltrain Funding Group company customers to:

 

Run everyday operations

Respond quickly to your requests or needs

Help us communicate with you

Evaluate eligibility for additional products and services that may be of interest to you

 

What we share

We may share personal information that includes, but is not limited to your:

 

Name, address, and other account application information

Account balances, transactions, and payment history

Identify information such as your social security number, license number, and date of birth

Credit worthiness including credit history, credit reports and credit scores

 

With whom we share

We disclose some of the information we collect about you to third parties such as credit reporting agencies, regulators, loan investigators, lenders, attorneys, closing agents, title companies, flood and hazard insurance companies, and your own creditors. These types of third parties are called non-affiliated third parties. However, this information is only shared in an attempt to serve you and your needs.

 

We may also share information with companies performing services on our behalf. These type of vendors are called service providers.

We may share information we collect about you with companies with whom we have formal agreements to offer you additional products and services. These types of relationships are called joint marketing partnerships.

 

Benefits of sharing

We need to collect and share information about our customers to help us communicate with you. We also need to do so in order to serve you better and avoid repetition. We also may share customer and former customer information within the Coltrain family of business and with valued partners or our employees in order to evaluate eligibility or to offer and recommend products or services that may be right for you.

 

Customer Information Sharing Choices/ Opt Out

 

Federal Law

Federal law requires us to tell you how we collect, share, and protect personal information about you to run our business, to perform services and offer our products, Federal law also gives you the right to limit some, but not all, sharing of your personal information. Federal law allows you to opt out of our privacy policy or restrict sharing information as follows:

 

About your credit worthiness wit our affiliates

To all non-affiliates to offer you their products and services

 

State Law

State law may give you additional rights regarding our information sharing. We share personal information about you as permitted by law of the state in which you reside and in accordance with federal law. As a customer you receive our privacy notice/ policy when you became our customer or when you initially became interested in becoming our customer.

 

You can limit us from sharing your information as permitted by law and as described in our Privacy Policy at any time by informing us of that you choose to Opt Out and by telling us how you do not want your information shared by calling 631-851-4420. You may notify us of your choices at any time.

 

If your past choices have not changed, you only need to tell us one time, as long as you remain a Coltrain customer.

Customer Data Protection

We are committed to securing personal information and protecting the privacy of our customers. We use security measures that comply with federal law to protect customer information.

 

Our policy is to treat customer information as we want out information to be treated. We train employees on handling and securing customer data to maintain protection and security. It is the responsibility of every associate, affiliate and non-affiliate to care for personal information about our customers.

 

Correcting information

We are committed to maintain accurate and up to date information on you and all of our customers and web visitors. We may contact you from time to verify that we have accurate information for you or to update the information that we have.

 

How to contact us regarding this site:

U.S. Mail:

Coltrain Funding Group

140 Fell court suite 202

Hauppauge NY 11788

Telephone: 631.851.4420

Email: TRusso@Coltrain.com

 

Policy Effective Date

This online statement is effective August 21, 2013 and shall remain in effect until amended. Coltrain reserves the right to change and amend this Privacy Statement or to alter any of privacy policy principles at its sole discretion without notice. We will post any alterations to this Privacy Statement on our web site in a timely manner so please check periodically.

 

Identity Theft / Fraud Activities

 

Identity theft / Fraud

Identity theft occurs when someone uses sensitive information, called personally identified information (or pll) of another person without their permission to commit fraud or other crimes, such as Account Takeover or Application fraud.

 

If you believe you are a victim of identity theft, contact the three major credit bureaus to place a fraud alert message on your credit file. When you place a fraud alert on your file, the credit reporting agencies will send you a copy of your credit report at no charge.

 

Experian 1-888-397-3742

Equifax 1-800-525-6285

Trans Union 1-800-680-7289

 

Carefully review your credit report for accounts you did not open, inquires from creditors you did not initiate, and personal information (such as home address and social security number) that is not accurate. If you see anything you do not understand or any accounts you did not open, call the credit reporting agency at the telephone number on the report.

 

If you don’t want to place a fraud alert on your credit file, you can still obtain a free copy of your credit report by going to WWW.Annualcreditreport.com or calling them at 877-322-8228. For hearing impaired call 877-730-4204.

 

To learn more about identity theft , visit the Federal Trade commission’s web site to receive further information and insight about how you can protect yourself.

 

Identity theft hotline 877-438-4338

Web: WWW.consumer.gov/idtheft

Mail: Identity theft clearinghouse

Federal trade commission

600 Pennsylvania Avenue

N.W. Washington, DC 20580