Privacy Statement

FACTS	WHAT DOES PRIME RATE PREMIUM FINANCE 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 account balances § payment history and transaction history § account transactions and wire transfer instructions. 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 Prime Rate Premium Finance chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Prime Rate Premium Finance 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

For our marketing purposes—

to offer our products and services to you

We don’t share.

For joint marketing with other financial companies

We don’t share.

For our affiliates’ everyday business purposes—information about your transactions and experiences

Yes

For our affiliates’ everyday business purposes—information about your creditworthiness

We don’t share.

For our affiliates to market to you

We don’t share.

For nonaffiliates to market to you

We don’t share.


Questions?	Call toll-free 866-669-0937.

Who we are
Who is providing this notice?	Prime Rate Premium Finance Corporation, Inc. Prime Rate Premium Finance Company of California, Inc.

What we do
How does Prime Rate Premium Finance 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. Our employees are bound by our Code of Ethics and policies to access consumer information only for legitimate business purposes and to keep information about you confidential.
How does Prime Rate Premium Finance collect my personal information?	We collect your personal information, for example, when you § give us your contact information or open an account § pay us by check or use your credit or debit card § make a wire transfer. We also collect your personal information from 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 nonfinancial companies. § Our affiliates include financial companies such as banks, consumer finance companies, securities broker-dealers, insurance agencies, investment advisors, clearing firms, and mortgage companies.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. § Nonaffiliates we share with can include government entities, credit bureaus, insurance companies, and companies that assist in servicing your loan(s) or account(s) with us.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. § Prime Rate Premium Finance doesn’t jointly market.

Other important information
You may have other privacy protections under some state laws. We will comply with applicable state laws as to information about you.