YeLLOW NOVA Trust Privacy Disclosure
At Yellow Nova Trust, we recognize that
our customers and other visitors are concerned about privacy. We want you to be
confident that we make every effort to safeguard the security and confidentiality
of your nonpublic personal information.
Financial
Companies Choose How They Share Your Personal Information. Federal law gives consumers the right
to limit some but not all information 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. This Privacy Notice is being provided on
behalf of Yellow Nova Trust. It describes the general policy of Yellow Nova
Trust regarding the personal information of customers and former customers.
Information
We May Collect. The types of personal information Yellow
Nova Trust collects and shares depends on the product
or service you have. Yellow Nova Trust may
collect the following personal information: (1) Social Security Numbers; (2)
account balances; (3) assets; (4) payment history; (5) credit history; (6)
credit scores; (7) information Yellow Nova Trust receives from your account file
at the time Yellow Nova Trust purchases or begins to service your account, such
as your name, address, Social Security Number, and assets; (8) information that
you may give Yellow Nova Trust through discussion with you, or that Yellow Nova
Trust may obtain through your transactions with Yellow Nova Trust, such as your
income and payment history; (9)
information that Yellow Nova Trust receives from consumer reporting agencies,
such as your creditworthiness and credit history, and (10) information that Yellow
Nova Trust obtains from other third-party information providers, such as public
records and databases that contain publicly available data about you, such as
bankruptcy and mortgage filings. All of the personal information that Yellow Nova Trust collects
is referred to in this notice as “collected information.” When you are no longer our customer, we
continue to share your information as described in this notice.
How
Information Is Collected. 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 Yellow Nova Trust chooses to share; and whether you can limit this
sharing. We collect your personal information, for example, when you: make a
payment, make a wire transfer, give us your contact information; pay us by
check; pay your account by wire transfer; and, provide employment
information. We also collect your
personal information from others, such as consumer reporting agencies (credit
bureaus).
Confidentiality and Security of
Collected Information. Yellow
Nova Trust restricts access to collected information about you to individuals
who need to know such collected information in order to
perform services in connection with your account. To protect your personal information from
unauthorized access and use, we use security measures that comply with federal
law. Yellow Nova Trust maintains
physical safeguards (like restricted access), electronic safeguards (like
encryption and password protection), and procedural safeguards (such as
authentication procedures) to protect collected information about you. These measures include computer safeguards
and secured files and buildings. We also
restrict access to trained and supervised employees and third parties who agree
to follow our policies and procedures.
Sharing Collected
Information with Affiliates and Third Parties
Sharing
with Affiliates. From time to time, Yellow Nova Trust may
share collected information about customers and former customers with the
following affiliated financial services companies in connection with
administering and collecting accounts:
Credigy Solutions Inc.
Watercress Financial Group LLP
Concord Servicing Corporation
eOriginal Inc.
Sharing
with Third Parties. Yellow Nova Trust does not share
collected information about customers or former customers with third parties,
except as permitted by applicable privacy law.
For example, collected information may be shared in certain
circumstances (A) with third parties, to service or enforce accounts, (B) with
consumer reporting agencies (credit bureaus), and (C) with law enforcement
officials, to protect against fraud or other crimes.
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 credit worthiness; affiliates from using your information to market to
you; and, sharing for non-affiliates to market to you. Yellow Nova Trust does not share your
personal information in ways that would allow you to limit such sharing.
Special
Notice Regarding Collected Information Subject to the Fair Debt Collection Practices
Act. This Privacy Notice is provided in
accordance with federal privacy law, and it describes Yellow Nova Trust’s
privacy practices generally. However,
please be assured that collected information that is received or used for
purposes of collecting a debt subject to the Fair Debt Collection Practices Act
is communicated only in accordance with that Act.
Questions
and More Information. If you have any questions or would like
additional information, please contact Yellow Nova Trust at 888-816-1092 or Yellow
Nova Trust, c/o Trust Administrator, P.O. Box 1073, Wilmington, DE 19899.
Find
Notice for California Residents.
Consumers may make
requests pursuant to the California Consumer Privacy Act by email at info@yellownovatrust.com
and by phone at 888-816-1092.