WHAT DOES CHEESE 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 personal information. Please read this notice carefully to understand what we do.
The types of personal information we collect and share depends on the product or service you have with us.This information can include:
-Social Security number
-Account balances and transaction history
When you are no longer our customer, we continue to share your information as described in this notice.
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 Cheese chooses to share; and whether you can limit this sharing.
We only share your personal information because:For our everyday business purposes—
such as to process your transactions, maintain your account(s) and respond to court orders and legal investigations.
We don't share your personal information because:For our marketing purposes
—To offer our products and services to youFor joint marketing with other financial companies
For our affiliates’ everyday business purposes—Information about your transactions and experiences
For our affiliates’ everyday business purposes—Information about your credit worthiness
For non-affiliates to market to you
If you have any questions, please call Cheese at 866-657-8863 or email us at Support@earncheese.com
Who is providing this notice?
Extra Financial, Inc (“Cheese”)
How does Cheese protect my personal information?
We collect your personal information, for example, when you..
-Open an account and give us your identifying and contact information
-Use your Cheese debit card and make deposits and withdrawals from associated accounts We may also collect your personal information from other companies.Federal law gives you the right to limit onlyWhy can't I limit all sharing?
-Sharing for affiliates’ everyday business purposes—information about your creditworthiness
-Affiliates from using your information to market to you
-Sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharingDefinitions
Companies related by common ownership or control. They can be financial and non-financial companies.Cheese does not have affiliates.Non Affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.Joint marketing
Cheese does not share with non-affiliates so they can market to you.A formal agreement between non affiliated financial companies that together market financial products or services to you. Cheese does not do joint marketing
All loans are made by Synapse Credit LLC, NMLS 1971454, a licensed U.S. lender in designated States, a list of which can be found at https://synapsefi.com/lending. Please see your loan documents for details. Eligibility for a loan is not guaranteed.
In the event Synapse Credit LLC issued your loan, Synapse Credit LLC (and not [insert Platform Name here]) will report your payment history to three major credit bureaus. Building credit may be accomplished by keeping your balance low and paying all your bills on time every month. Late payments, missed payments, or other factors may be reflected in your credit report and may negatively impact your ability to build credit.
Deposit accounts and related banking services are provided by Synapse Financial Technologies, Inc.’s program bank partners, a list of which can be found at www.synapsefi.com/legal. See your applicable deposit account agreement for details.