Privacy Policy
Updated August 2023BestEgg.com Privacy Statement
Your privacy is important to us. This Privacy Statement describes the types of information Marlette Marketing, LLC and Marlette Servicing, LLC dba Best Egg (together “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 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 an account, 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 an application or otherwise;
- Provide account 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.
Geolocation
Our Card App periodically collects, transmits, and uses geolocation information to enable features
that prevent fraudulent card use and send alerts, but only if the End User expressly authorizes
collection of such information. Geolocation information can be monitored on a continuous basis
in the background only while the Solution is being used or not at all, depending on the End
User’s selection. End Users can change their location permissions at any time in their device
settings.
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 42912 Philadelphia, PA 19101.
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
Updated July 2023
What does Best Egg 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 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 | Yes |
| For our affiliates to market to you | Yes | Yes |
| For nonaffiliates to market to you | Yes | Yes |
| To limit our sharing | • Call 855-282-6353 • Visit us online: www.bestegg.com/apply/privacy-act 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 toll-free 855-282-6353 or go to www.bestegg.com/privacy-policy/ |
| Page 2 | |
|---|---|
| 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 • use your account or 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. |
| What happens when I limit sharing for an account I hold jointly with someone else? | Your choices will apply to everyone on the account. |
| 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, Best Egg Technologies, LLC, and Best Egg Services, LLC. |
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Nonaffiliates we can share with include our marketing service providers, other financial services companies, lenders, insurance companies, or other service providers, and companies that market third-party products that we believe may be of interest 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 |
|---|
| State Disclosures Concerning Financial Related Personal Information For California Customers: We will not share financial related personal information with nonaffiliates, except as required or permitted by law. We will also limit our sharing of financial related personal information about you with our affiliates to comply with California privacy laws that apply to us. For information about your rights with respect to non-financial related personal information under the California Consumer Privacy Act (“CCPA”) see the section below titled State Privacy Laws Concerning Non-Financial Personal Information. 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 https://www.bestegg.com or call 855-282-6353. State Disclosures Concerning Non-Financial Related Personal Information Some state laws, such as the California Consumer Privacy Act, provide certain rights to their residents concerning non-financial related personal information, including the rights to access and delete such information, unless an exception applies. These state laws do not apply to information subject to the federal Gramm-Leach-Bliley Act (“GLBA”) and the Fair Credit Reporting Act (“FCRA”), except in some states in the event of a data breach. They also do not apply to information that cannot be associated or reasonably linked with a particular consumer or household. As a financial services platform, all of the information Best Egg collects and shares is subject to GLBA and FCRA or cannot be associated or reasonably linked with a particular consumer or household. Best Egg is thereby exempt with respect to requirements related to accessing and deleting personal information as well as certain other rights under these laws. |
Revised 11/2018
Cross River Bank Privacy Notice
| 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 |
| Page 2 | |
|---|---|
| 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 November 2023
Blue Ridge Bank, N.A. Privacy Notice
| 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 | 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 | 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 mybrb.bank |
| Page 2 | |
|---|---|
| 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. |
| 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. • Our joint marketing partners include other financial services companies. |
Revised October 2020
First Bank & Trust Privacy Notice
| 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 |
| Page 2 | |
|---|---|
| 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. |