CCPA Policy

Privacy Policy for California Residents

This Privacy Policy for California Residents explains how Reliable Credit Association, Inc. and its affiliate, Reliable Credit Association, Inc. (WA) (collectively referred to herein as “Reliable Credit”, “we”, or “us”), collects, uses, and discloses personal information about California residents (referred to herein as “you” or “your”) that is subject to the California Consumer Privacy Act of 2018 (“CCPA”) (“CCPA Privacy Policy”). Any terms defined in the CCPA have the same meaning when used in this CCPA Privacy Policy.

PERSONAL INFORMATION

Under the CCPA, “personal information” is information that identifies, relates to, or could reasonably be linked with a particular California resident or household. However, the CCPA generally does not apply to certain information, such as information subject to the Gramm-Leach-Bliley Act (“GLBA”).  Reliable Credit is a financial institution subject to the GLBA and its implementing regulations, and the CCPA and most of the information we collect, use and share from California residents is exempted from the CCPA.  Therefore, this CCPA Privacy Policy does not apply to, for example, information that we collect about California residents who apply for or obtain our financial products and services for personal, family, or household purposes (“Customers”). For more information about how we collect, disclose, and secure information about our Customers, please see our Privacy Policy.

Reliable Credit’s Collection of Personal Information

Reliable Credit collects minimal personal information about you that is not GLBA information.  That personal information is not used, disclosed, or sold to anyone outside of Reliable Credit.  In the past 12 months, Reliable collected or may have collected the following categories of personal information from you: 

  • Identifiers.  First and last name, postal address, email address, online identifier, Internet Protocol address, account name, or other similar identifiers.
  • Personal information categories listed in the California Customer Records Statute (Cal. Civ. Code §1798.80(e)).  Such as a name, email addresses, telephone number, mobile telephone number, address, date of birth, bank account information, and/or debit card number.

We obtain the above categories of personal information about you from the following categories of sources:

  • California residents directly

Reliable Credit’s Use of Personal Information

Reliable Credit may use or disclose the personal information we collect about you for one or more of the business purposes indicated in our Privacy Policy.

Reliable Credit’s Sharing of Personal Information

We may disclose personal information about you to a third party for a business purpose. When we disclose your personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract. We share your personal information with the categories of third parties listed in our Privacy Policy.

In the past 12 months, we may have disclosed the following categories of personal information for a business purpose:

  • Identifiers
  • California Customer Records personal information categories

RELIABLE CREDIT’S SALE OF PERSONAL INFORMATION

Reliable Credit does not sell your personal information.

YOUR RIGHTS AND CHOICES

The CCPA provides California residents with specific rights regarding their personal information. This section describes your rights and explains how to exercise those rights. Only you or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.

You may only make a request for access or data portability twice within a 12-month period. The verifiable consumer request must provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative, and describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

Right to Know

You may request to know specific pieces of personal information we have collected about you in the last 12 months. You may also request additional details about our information practices, including the categories of personal information we have collected about you, the sources of such collection, the categories of personal information we share for a business or commercial purpose, and the categories of third parties with whom we share your personal information. You may make these requests online here, by calling us at 1-888-462-3003, or mailing us at:

Reliable Credit Association, Inc.
Attn: Corporate Counsel
PO Box 22829
Milwaukie, OR 97269

Please note that we are required by law to verify your identity prior to granting access to your data in order to protect your privacy and security.

Right to Delete

You may request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions.  While you have the right to request deletion of personal information, we may be required to retain certain information to service accounts, comply with state or federal law, or for other critical business purposes.  You may make these requests online here, by calling us at 1-888-462-3003, or mailing us at:

Reliable Credit Association, Inc.
Attn: Corporate Counsel
PO Box 22829
Milwaukie, OR 97269

We are required by law to verify your identity prior to deleting your data in order to protect your privacy and security.

Responding to Your Request

If you are not our Customer and we cannot locate information about you, we will respond to your request using the address you provide in your request.  We also may contact you for additional information to verify your identity and the validity of your request.

We attempt to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights.

CONTACT INFORMATION

If you have any questions or comments about this CCPA Privacy Policy you may call us at 1-888-462-3003 or write us at:

Reliable Credit Association, Inc.
Attn: Corporate Counsel
PO Box 22829
Milwaukie, OR 97269