Privacy Policy

Reviewed February 2022

BestEgg.com Privacy Statement

Your privacy is important to us. This Privacy Statement describes the types of information Marlette Funding, LLC (“Best Egg”) collects from and about you when you visit our website (“Site”), www.bestegg.com. This Privacy Statement also explains how Best Egg may use and disclose such information, as well as your ability to control certain uses of it.

For additional information about how we collect, use, and disclose your personal information in connection with our financial products or services, please see the Best Egg Loan Privacy Notice below.


Information Collection

Information you provide to us

Best Egg collects information from you when you choose to provide it to us. This may include when you create an account, apply for a loan, accept a preapproved firm offer of credit, request information from us, sign up for newsletters or our email lists, use our Site, or otherwise contact us.

The information we collect may include your name, address, email address, telephone or mobile phone number, Social Security number, and financial account information. You may be required to provide certain personal information to apply for and receive Best Egg services.

Information We Automatically Collect

We may use cookies or other technologies to automatically collect certain information when you visit our Site or interact with our emails. For example, if you are responding to an offer of credit, we may automatically populate your personal information into our system once you enter your offer code. Additionally, we may automatically collect certain non-personal information from you such as your browser type, operating system, software version, and Internet Protocol (“IP”) address. We also may collect information about your use of the Site, including the date and time of access, the areas or pages that you visit, the amount of time you spend using the Site, the number of times you return, whether you open, forward, or click-through emails, and other Site usage data.

You may adjust your browser or operating system settings to limit this tracking or to decline cookies, but by doing so, you may not be able to use certain features on the Site or take full advantage of all of our offerings. Check the “Help” menu of your browser or operating system to learn how to adjust your tracking settings or cookie preferences. Please note that our system may not respond to Do Not Track requests or headers from some or all browsers.

Information collected from other sources

We may obtain information about you from other sources, including credit bureaus and fraud detection services. This information may include name, updated address or contact information, and information about your credit history and score. We may combine this information with the information we collect from and about you to determine continued creditworthiness, provide fraud detection services, and help us provide our services to you.


Information Use

Best Egg may use the information we collect from and about you to:

  • Evaluate your creditworthiness in response to a preapproved firm offer of credit or request for financial services;
  • Contact you in response to a loan application or otherwise;
  • Provide loan servicing;
  • Develop new products or services;
  • Provide you with customized Site content;
  • Research, address problems with, and improve the usage and operations of the Site;
  • Protect the security or integrity of the Site and our business; and
  • As described to you at the point of data collection.

Information Sharing

Best Egg may share the information we collect from and about you: (1) to our Service Providers, if the disclosure will enable them to perform a business, professional, or technical support function for us; (2) as necessary if we believe that there has been a violation of Best Egg’s Terms of Use or of our rights or the rights of any third party; (3) to respond to judicial process or provide information to law enforcement or regulatory agencies or in connection with an investigation on matters related to public safety, as permitted by law, or otherwise as required by law; and (4) as described to you at the point of collection.

Best Egg may sell or purchase assets during the normal course of our business. If another entity acquires us or any of our assets, information we have collected from and about you may be transferred to such entity. In addition, if any bankruptcy or reorganization proceeding is brought by or against us, such information may be considered an asset of ours and may be sold or transferred to third parties. Should such a sale or transfer occur, we will use reasonable efforts to try to require that the transferee use personal information provided through the Site in a manner that is consistent with this Privacy Statement.


Service Providers

Best Egg may contract with third parties to perform functions related to the Site (“Service Providers”). Service Providers will have access to your personal information needed to perform their business functions, but may not use or share that personal information for other purposes.


Links to other websites

The Site may have links to third-party websites, which may have privacy policies that differ from our own. We are not responsible for the practices of such sites.


Children’s privacy

Protecting children’s privacy is important to us. We do not direct the Site to, nor do we knowingly collect any personal information from, children under the age of thirteen.


Data security

We have taken certain physical, administrative, and technical steps to safeguard the information we collect from and about our customers and Site visitors. While we make every effort to help ensure the integrity and security of our network and systems, we cannot guarantee our security measures.


Access to your personal information

If you have an account with us, you may sign in to your account on the Site and update the personal information contained in the account.


Unsubscribe

To unsubscribe from Best Egg’s marketing emails, please click the personalized link at the bottom of a marketing email.


If you have questions

If you have any questions about this Privacy Statement or the practices described herein, you may contact us at 1-844-825-2608 or PO Box 692127 San Antonio, TX 78269.


Revisions to this statement

Best Egg reserves the right to revise this Privacy Statement at any time. When we do, we will post the change(s) on the Site. If we change the Privacy Statement in a material way, we will provide appropriate notice to you.


Best Egg Privacy Notice

Reviewed February 2022

View PDF of privacy notice

What does Best Egg do with your personal information?

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 transaction history
  • Account balances and payment history
  • Credit history and credit scores

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 Best Egg chooses to share, and whether you can limit this sharing.


Reasons We Can Share Your Personal InformationDoes Best Egg Share?Can you limit 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 bureausYesNo
For our marketing purposes – to offer our products and services to youYesNo
For joint marketing with other financial companiesYesNo
For our affiliates’ everyday business purposes – information about your transactions and experiencesYesNo
For our affiliates’ everyday business purposes – information about your creditworthinessYesNo
For our affiliates to market to youNoWe do not share
For nonaffiliates to market to youNoWe do not share

Questions? Call toll-free 855-282-6353


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Who We Are
Who is providing this notice?Best Egg, P.O. Box 42912, Philadelphia, PA 19101
What We Do
How does Best Egg 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 Best Egg collect my personal information?We collect your personal information, for example, when you
apply for an account
provide account information or give us your contact information
provide information to verify your identity
use your account
provide employment information
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.
Definitions
AffiliatesCompanies related by common ownership or control. They can be financial and nonfinancial companies.

On behalf of Best Egg, Marlette Marketing, LLC’s affiliates are Marlette Servicing, LLC, Marlette Technologies, LLC, and Marlette Funding, LLC.
NonaffiliatesCompanies not related by common ownership or control. They can be financial and nonfinancial companies.

On behalf of Best Egg, Marlette Marketing, LLC does not share with non-affiliates so they can market to you.
Joint marketingA formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Our joint marketing partners include consumer loan lenders.
Other important information
For California Customers: We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with California privacy laws that apply to us.

Revised 11/2018

View PDF of Privacy Notice

Cross River Bank Privacy Notice

FACTSWHAT DOES CROSS RIVER BANK 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 Cross River Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal informationDoes Cross River Bank share?Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your accounts, respond to court orders and legal investigations, or report to credit bureausYESNO
For our marketing purposes – to offer our products and services to youYESNO
For joint marketing with other financial companiesYESNO
For our affiliates’ everyday business purposes – information about your transactions and experiencesNOWe don’t share
For our affiliates’ everyday business purposes – information about your creditworthinessNOWe don’t share
For nonaffiliates to market to youNOWe don’t share

Questions? Call toll-free 1-877-55CRB55 or go to www.crossriver.com


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What we do
How does Cross River Bank 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.We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Cross River Bank collect my personal information?We collect your personal information, for example, when you
Open an account or apply for a loan
Make deposits or withdrawals from your account or provide employment information
Give us your contact information
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.
Definitions
AffiliatesCompanies related by common ownership or control. They can be financial and nonfinancial companies.
Cross River Bank does not share with our affiliates.
NonaffiliatesCompanies not related by common ownership or control. They can be financial and nonfinancial companies.
Nonaffiliates we share with can include loan finance companies.
Joint marketingA formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Our joint marketing partner(s) include loan finance companies.
Other important information
For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing-without your authorization.For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing-without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing-without your authorization.For Vermont Customers. We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found at www.crossriverbank.com or call 1-877-55CRB55.

Revised April 2022

View PDF of Privacy Notice

Blue Ridge Bank, N.A. Privacy Notice

FACTSWHAT DOES BLUE RIDGE BANK, N.A. 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 employment information
Account balances and transaction history
Credit history and investment experience
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 Blue Ridge Bank, N.A. chooses to share; and whether you can limit this sharing.
Reasons we can share your personal informationDoes Blue Ridge Bank, N.A. 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 bureausYesNo
For our marketing purposes – to offer our products and services to youYesNo
For joint marketing with other financial companiesNoWe don’t share
For our affiliates’ everyday business purposes – information about your transactions and experiencesYesNo
For our affiliates’ everyday business purposes – information about your creditworthinessYesYes
For our affiliates to market to youYesYes
For nonaffiliates to market to youNoWe don’t share
To limit our sharingCall (888) 331-6521 to speak with a customer service representative

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.
Questions?Call (888) 331-6521 or go to www.mybrb.com
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Who we are
Who is providing this notice?Blue Ridge Bank, N.A.
BRB Financial Group, Inc.
What we do
How does Blue Ridge Bank, N.A. 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.

We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Blue Ridge Bank, N.A. collect my personal information?We collect your personal information, for example, when you
Open an account or apply for a loan
Use your credit or debit card or seek advice about investments
Make deposits or withdrawals from your account
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.
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
AffiliatesCompanies related by common ownership or control.
They can be financial and nonfinancial companies
Hammond Insurance
Exchangers LTD
NonaffiliatesCompanies not related by common ownership or control.
They can be financial and nonfinancial companies.
Blue Ridge Bank, N.A. does not share with nonaffiliates so they can market to you
Joint marketingA formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Blue Ridge Bank, N.A. does not jointly market.

Revised May 2021

View PDF of Privacy Notice

First Bank & Trust Privacy Policy

FACTSWHAT DOES FIRST BANK & TRUST 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 transaction historyAccount balances and payment historyCredit history and credit scores
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 First Bank & Trust chooses to share, and whether you can limit this sharing.
Reasons We Can Share Your Personal InformationDoes First Bank & Trust 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 bureausYesNo
For our marketing purposes – to offer our products and services to youYesNo
For joint marketing with other financial companiesYesNo
For our affiliates’ everyday business purposes – information about your transactions and experiencesYesNo
For our affiliates’ everyday business purposes – information about your creditworthinessNoWe do not share
For our affiliates to market to youNoWe do not share
For nonaffiliates to market to youNoWe do not share

Questions? Call toll-free 833-707-1226


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Who we are
Who is providing this notice?First Bank & Trust, 520 Sixth Street, Brookings, South Dakota 57006
What we do
How does First Bank & Trust 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 First Bank & Trust collect my personal information?We collect your personal information, for example, when you
apply for a credit card account
provide account information or give us your contact information
provide information to verify your identity
use your credit card
provide employment information
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.
Definition
AffiliateCompanies related by common ownership or control. They can be financial and nonfinancial companies.
Our affiliates include financial companies such as Fishback Financial Corporation
NonaffiliateCompanies not related by common ownership or control. They can be financial and nonfinancial companies.
First Bank & Trust does share with nonaffiliates so they can market to you
Joint marketingA formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Our joint marketing partners include consumer loan lenders
Other important information
For California Customers: We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with California privacy laws that apply to us.

CALIFORNIA PRIVACY RIGHTS

The California Consumer Privacy Act (CCPA) provides protections and provisions to California residents. In compliance with the CCPA, Best Egg is fully committed to handling the personal information of consumers responsibly with respect and due care.

If you are a California resident, California law provides you with specific rights regarding your personal information, including the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months and the right to request that we delete any of your personal information that we have collected from you, subject to certain exceptions. Please note that we are only required to respond to two such requests per customer each year.

This summary outlines how Best Egg collects, uses, and shares personal information:

Collects: Best Egg collects information that you provide to us as well as information that is collected and stored automatically. For details about how information is collected online, please refer to the Terms of Use section of the Best Egg website at: https://www.bestegg.com/terms-of-use/.

Uses: Information is used for the purpose of determining loan eligibility, processing requests, and servicing funded loans. Some information may be used for marketing purposes and to enhance your customer experience.

Sells / Discloses: Information is shared with service providers and affiliates to administer services and may be shared with law enforcement, regulatory agencies and the courts as permitted by law.

YOUR RIGHTS AS A CALIFORNIA RESIDENT

Listed below is a summary of the rights you are entitled to as a California resident under the California Consumer Privacy Act:

  • To request information about yourself that has been collected, used, disclosed or sold;
  • To request to be deleted, subject to certain exceptions, including compliance with applicable laws and regulations. In addition, certain information related to the processing of applications and the servicing of accounts within the normal course of business is required to be maintained;
  • To request the disclosure of the categories of personal information collected, the category sources, the purpose of collection and the categories of information that has been shared or sold along with the business purpose;
  • To opt-out of the sale of personal information. Please note that the collection and sharing of certain information is needed to comply with federal law and to provide certain products and services;
  • And, to be free from discrimination for exercising your rights. Please note that incentives may be extended to consumers who permit their personal information to be shared or sold.

If you wish to opt-out of the sale of your personal information, as defined by the CCPA, you may submit your request online at https://www.bestegg.com/apply/privacy-act. You may also contact Best Egg at (866) 615-4323.