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.
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.
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.
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.
Best Egg may use the information we collect from and about you to:
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.
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.
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.
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.
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.
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.
To unsubscribe from Best Egg’s marketing emails, please click the personalized link at the bottom of a marketing email.
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 42912 Philadelphia, PA 19101.
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.
Reviewed February 2023
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.
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.
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 Information | Does 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 bureaus | Yes | No |
| For our marketing purposes – to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates’ everyday business purposes – information about your transactions and experiences | Yes | No |
| For our affiliates’ everyday business purposes – information about your creditworthiness | Yes | No |
| For our affiliates to market to you | No | We do not share |
| For nonaffiliates to market to you | No | We 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. 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. • On behalf of Best Egg, Marlette Marketing, LLC’s affiliates are Marlette Servicing, LLC, Marlette Technologies, LLC, and Best Egg Services, LLC. |
| Nonaffiliates | Companies 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 marketing | A 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
| FACTS | WHAT 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 information | Does 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 bureaus | YES | NO |
| For our marketing purposes – to offer our products and services to you | YES | NO |
| For joint marketing with other financial companies | YES | NO |
| 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 your creditworthiness | NO | We don’t share |
| For nonaffiliates to market to you | NO | We 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 | |
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies. • Cross River Bank does not share with our affiliates. |
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Nonaffiliates we share with can include loan finance companies. |
| Joint marketing | A 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
| FACTS | WHAT 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 information | Does 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 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 | Yes | No |
| For our affiliates’ everyday business purposes – information about your creditworthiness | Yes | Yes |
| For our affiliates to market to you | Yes | Yes |
| For nonaffiliates to market to you | No | We don’t share |
| To limit our sharing | Call (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 | |
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies • Hammond Insurance • Exchangers LTD |
| Nonaffiliates | Companies 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 marketing | A 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 February 2023
| FACTS | WHAT 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 history • Account balances and payment history • Credit history and credit scores 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 First Bank & Trust chooses to share, and whether you can limit this sharing. |
| Reasons We Can Share Your Personal Information | Does 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 bureaus | Yes | No |
| For our marketing purposes – to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates’ everyday business purposes – information about your transactions and experiences | Yes | No |
| For our affiliates’ everyday business purposes – information about your creditworthiness | No | We do not share |
| For our affiliates to market to you | No | We do not share |
| For nonaffiliates to market to you | No | We 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 | |
| Affiliate | Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include financial companies such as Fishback Financial Corporation |
| Nonaffiliate | Companies 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 marketing | A 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. |
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.
Listed below is a summary of the rights you are entitled to as a California resident under the California Consumer Privacy Act:
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.