Privacy Notice


What does emBorrow 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 or access through us. This information can include:

  • Social Security number and income
  • account balances and employment information
  • credit history and transaction history

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 emBorrow chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does emBorrow 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 our affiliates to market to you YES YES

For questions or to limit our sharing

  • Email: customerservice@emborrow.com
  • Mail: emBorrow, LLC. 2100 Sanders Rd Suite 200, Northbrook, IL 60062

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.

Who we are
Who is providing this notice? This notice is provided by emBorrow, LLC for individual clients of its services in the United States.
What we are
How does emBorrow 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 emBorrow collect my personal information? We collect your personal information, for example, when you

  • provide account information or give us your contact information
  • provide employment information or apply for a loan
  • make deposits or withdrawals from your account as you allow
  • show us your government-issued ID

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 your account—unless you tell us otherwise.

Definitions

Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Our affiliates include companies with a Citi name.

Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Nonaffiliates we share with can include companies engaged in direct marketing and the selling of consumer products and services.

Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Our joint marketing partners include insurance companies and other financial companies.

Other important information

The words “we”, “us” and “our” mean emBorrow, LLC d/b/a emBorrow and/or another related emBorrow provider.