Account Opening Privacy Notice
Effective Date: June 2025
What Does Third National ("Issuer") 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.
Information We Collect
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 date of birth
- Account balances and payment history
- Credit history and credit scores
- Transaction history and account activity
- Employment information and income
- Contact information (address, phone number, email)
- Identification documents (driver's license, passport)
When you are no longer our customer, we continue to share your information as described in this notice.
How We Share Information
| Reasons we can share your personal information | Does Issuer 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 DON'T SHARE |
| For our affiliates to market to you | NO | WE DON'T SHARE |
| For nonaffiliates to market to you | NO | WE DON'T SHARE |
How We Protect Your 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 encryption
- Secured files and buildings
- Access controls and authentication protocols
- Regular security testing and monitoring
- Employee training on information security
How We Collect Your Personal Information
We collect your personal information, for example, when you:
- Open an account or perform transactions
- Pay your bills or reload funds
- Use your card or access our services
- Apply for credit or request account changes
- Contact customer service
We may also collect your personal information from others, such as:
- Credit bureaus and consumer reporting agencies
- Affiliates and business partners
- Public records and databases
- Third-party verification services
Why Can't You 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.
Issuer does share with our affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Issuer 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.
Issuer may partner with certain non-affiliated financial companies to offer financial products and services to you.
State-Specific Rights
California and Vermont
In accordance with state law, we will not share your personal information with nonaffiliates except as permitted by law, including for example, for our own marketing purposes, for everyday business purposes, such as servicing your account, or with your consent.
Nevada
You may be placed on our internal Do Not Call List. Nevada law requires that we provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Ave., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132; email: [email protected]
North Dakota
In accordance with North Dakota law, we will not share information we collect about you with companies outside of our corporate family, except as permitted by law, including, for example, with your consent. Residents of North Dakota are opted out from nonaffiliate marketing by default.
Changes to This Privacy Notice
We may change this Privacy Notice from time to time. When we do, we will post the revised Privacy Notice on our website with a new effective date. We encourage you to periodically review this Privacy Notice to stay informed about how we are protecting your information.
Contact Information
For questions about this privacy notice, please contact us at [email protected] or visit: www.nexaflex.com