Privancy / Security
Privancy Page
Overview
In today’s environment, where people are subjected to marketing calls, junk mail, and spam and are very concerned about fraud and identity theft, we recognize the seriousness of our responsibility to help maintain the privacy and security of your personal information. As a result, we have adopted privacy and security practices that go beyond minimum legal requirements in order to give you greater comfort. We invite you to compare what we do with any other lender that you are presently using or considering.
Privancy Policy
| FACTS | WHAT DOES BCS Lending 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:
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| How? | All financial companies need to share customers’ information to run their everyday business—to process transactions, maintain customer accounts, and report to credit bureaus. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons BCS Lending chooses to share; and whether you can limit this sharing. |
| Reason we can share your personal information | Does BCS Lending share? | Can you limit this sharing? |
| For our everyday business purposes— such as 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 | Yes (See below) |
| 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 (See below) |
| For our affiliates to market to you | Yes | Yes (See below) |
| For nonaffiliates to market to you | No | We don’t share |
| To limit our sharing |
If you are a new customer, we can begin sharing information 30 days from the date you receive this notice. When you are no longer our customer, we may continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing and to restrict telemarketing, direct marketing postal mail and email solicitations. |
| Questions? |
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| Who we are | |
| Who is providing this notice? | BCS Lending, and its affiliates. |
| What we do | |
| How does BCS Lending 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 BCS Lending collect my personal information? |
We collect your personal information, for example, when you
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 sharing only for
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—unless you tell us otherwise |
| Definitions | |
| Affiliates |
Companies related by common ownership or control. They can be financial and nonfinancial companies. BCS Lending is a division of Beachfront Credit Services.
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| Nonaffiliates |
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
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| Joint marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
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| Other important information |
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State and Local Regulations: If, in addition to federal law, you are protected by specific state or local rules concerning information sharing and marketing, Beachfront Credit Services will fully comply with these regulations as well. Under Vermont and California law, we will not share information we collect about you with companies outside of Beachfront Credit Services, unless the law allows. Nevada State law requires that we provide residents with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Street, Suite 3900, Las Vegas, NV 89101; Phone: 702.486.3132; Email: BCPINFO@ag.state.nv.us. Use of Third Parties: We have arrangements with companies whose experience is essential for our own services to operate properly. These companies, some of which may be located outside the United States, work at BCS Lending’s direction, only receive the information necessary to perform these functions, and adhere to BCS Lending’s data security guidelines.
Important Notice about Credit Reporting: We may report information about your account(s) to credit bureaus. Late payments, missed payments, or other defaults on your account(s) may be reflected in your credit report.
Do Not Call Policy. This notice is BCS Lending’s Do Not Call Policy under the Telephone Consumer Protection Act. BCS Lending abides by all federal and state regulations on telephone usage, maintains an internal Do Not Call list and makes no telemarketing calls to numbers on this list. All Do Not Call requests are implemented within 30 days and the selection is permanent – unless you elect to remove your number from the list.
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Online Privacy Practices
BCS Lending has a longstanding commitment to protecting the confidentiality and security of our clients’ personal information. We believe it is helpful to have an overview of how this commitment is applied as BCS Lending collects, uses, and protects your personal information when you visit us online.
For California residents, the California law requires that we provide consumers with advance notice of the types of personal information we collect from consumers, our intended use of such information, and a description of your privacy rights under California law. This includes rights to request disclosure of the types of personal information we have collected on you and your right to request that we delete certain information we have collected from you. Please click here for further information on your specific consumer privacy rights.
What information do we collect?
When you visit the BCS Lending website, application or otherwise interact with us online, we may collect the below information:
Your browser type
Your IP address (Your IP address is a number that is automatically assigned to your device by your Internet Service Provider. An IP address is identified and logged automatically whenever you visit a site, along with the time of the visit and the page(s) that were visited.)
The presence of any software on your device that may be necessary to view our site
Information about the device you are using
Personal information submitted on applications, forms, and electronic messaging. Personal information includes:
- Name
- Social Security Number
- Email Address
- Telephone number
- Account numbers
- Usernames
- Passwords
- Other non-public information
Website analytics information such as pages visited and average time spent on a particular page
If you would prefer that your movements and actions online at BCS Lending.com not be monitored, you can opt-out of tracking.
NOTE: It is necessary to install a cookie on your browser to identify that you have opted-out. If you delete the opt-out cookie, or change devices or web browsers, you will need to opt-out again.
Search engine traffic referral information
Responses to advertisements and promotions
Security Policy
Our Security Practices
With regard to the security of your personal information, we employ a variety of electronic, physical, and procedural safeguards to protect your personal information including:
Encryption – We employ 128-bit Secure Sockets Layer (SSL) technology to encrypt your personal information when it is in transit between your web browser and our web server or vice versa. In addition, we also use advanced encryption when storing or backing up your personal information on our computers, substantially reducing the risk even in the event of loss or misuse of your personal information.
Software and Hardware Security – We employ stringent, up-to-date software and hardware solutions to minimize the risk that your encrypted, personal information could be hacked, lost, or stolen from our computer systems.
Physical Security – Your encrypted, personal information is located and stored in secure areas within our building and any offsite data processing facilities.
Access – Access to your personal information (either physically or online) is limited to you and our employees who have a “need to know” in order to perform their jobs and who have the appropriate authentications such as key cards, user IDs, and passwords. A user ID and password is required on the Sign In page on our web site for you to access and/or update your account information. Please remember to keep your user id and password secure. Also, if you prefer additional security, we offer our AccountLock feature which will prevent access to your account even with a valid user id and password. Access will only be granted after you request a pass code from us. We will then email you a randomly-generated, temporarily available pass code, allowing you one-time access to your account.
Training – We provide training to our employees regarding our security procedures.