Privacy Policy

Privacy Policy for Carter Funding Corporation

Effective Date: October 16, 2024

At Carter Funding Corporation (“we,” “us,” or “our”), we value and respect your privacy. This Privacy Policy outlines how we collect, use, disclose, and safeguard your personal information, and your rights under relevant privacy laws. Please read this Privacy Policy carefully to understand how we handle your information.

1. Information We Collect

In the past 12 months we have collected the following categories of consumer information and we may collect the following categories of personal information about you:

• Identifiers: Such as your name, address, phone number, email address, Social Security number, driver’s license number, passport number, or other unique identifiers.
• Financial Information: Bank account details, credit card information, income information, and credit history.
• Commercial Information: Records of personal property, products or services purchased, or other transaction details.
• Internet Activity: Browsing history, search history, and interaction with our website or mobile application.
• Geolocation Data: Information related to your location when you use our services.
• Professional or Employment Information: Employment history, job title, and salary details.
• Sensitive Personal Information: Such as account credentials, precise geolocation, and personal identifiers like social security numbers or government ID numbers. Carter Funding Corporation does not use or disclose sensitive personal information for any purposes other than the permissible purposes:

  (1) To perform the services or provide the goods reasonably expected by an average consumer who requests those goods or services. For example, a consumer’s precise geolocation may be used by a mobile application that is providing the consumer with directions on how to get to a specific location. A consumer’s precise geolocation may not, however, be used by a gaming application where the average consumer would not expect the application to need this piece of sensitive personal information.

  (2) To prevent, detect, and investigate security incidents that compromise the availability, authenticity, integrity, or confidentiality of stored or transmitted personal information. For example, a business may disclose a consumer’s log-in information to a data security company that it has hired to investigate and remediate a data breach that involved that consumer’s account.

  (3) To resist malicious, deceptive, fraudulent, or illegal actions directed at the business and to prosecute those responsible for those actions. For example, a business may use information about a consumer’s ethnicity and/or the contents of email and text messages to investigate claims of racial discrimination or hate speech.

  (4) To ensure the physical safety of natural persons. For example, a business may disclose a consumer’s geolocation information to law enforcement to investigate an alleged kidnapping.

  (5) For short-term, transient use, including, but not limited to, nonpersonalized advertising shown as part of a consumer’s current interaction with the business, provided that the personal information is not disclosed to another third party and is not used to build a profile about the consumer or otherwise alter the consumer’s experience outside the current interaction with the business. For example, a business that sells religious books can use information about its customers’ interest in its religious content to serve contextual advertising for other kinds of religious merchandise within its store or on its website, so long as the business does not use sensitive personal information to create a profile about an individual consumer or disclose personal information that reveals consumers’ religious beliefs to third parties.

  (6) To perform services on behalf of the business. For example, a business may use information for maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing analytic services, providing storage, or providing similar services on behalf of the business.

  (7) To verify or maintain the quality or safety of a product, service, or device that is owned, manufactured, manufactured for, or controlled by the business, and to improve, upgrade, or enhance the service or device that is owned, manufactured by, manufactured for, or controlled by the business. For example, a car rental business may use a consumer’s driver’s license for the purpose of testing that its internal text recognition software accurately captures license information used in car rental transactions.

  (8) To collect or process sensitive personal information where the collection or processing is not for the purpose of inferring characteristics about a consumer. For example, a business that includes a search box on their website by which consumers can search for articles related to their health condition may use the information provided by the consumer for the purpose of providing the search feature without inferring characteristics about the consumer.

• Other Personal Information: Information you provide in connection with your loan application or inquiries, including demographic information.

2. Sources of Personal Information

We collect personal information from various sources:

• Directly from you: Information you provide when applying for a loan, signing up for our services, or contacting us.
• From third parties: Such as credit reporting agencies, financial institutions, public databases, and service providers.
• Automatically through your interactions: With our website, such as cookies, web beacons, and other tracking technologies.

3. Use of Personal Information

In the past 12 months we have collected the categories of information identified in Section 1 above, and we may use those categories of personal information we collect about you in the future for the following purposes:

• Processing loan applications and managing accounts: To verify your identity, assess your creditworthiness, and process loan transactions.
• Communications: To communicate with you regarding your account, transactions, and our services.
• Compliance and Legal Obligations: To comply with applicable laws, regulations, and court orders.
• Fraud Prevention and Security: To detect and prevent fraud or security breaches.
• Marketing and Advertising: To offer you products or services that may be of interest, with your consent or as permitted by law.
• Improving Services: To enhance our website and services based on user behavior and feedback.

4. Sharing Personal Information

In the past 12 months we have shared the categories of information identified in Section 1 above, and may share those categories of information in the future, with the following categories of third parties, and we may share your personal information with the following categories of third parties:

• Service Providers: We may share information with third parties who provide services such as credit reporting, data storage, customer service, payment processing, and marketing.
• Affiliates and Subsidiaries: We may share information within our corporate family for business and operational purposes.
• Government and Regulatory Authorities: When required by law or legal process, we may share information with regulators, law enforcement, or other government entities.
• Business Transfers: If we are involved in a merger, acquisition, or sale of assets, your personal information may be transferred as part of the transaction.

  Carter Funding Corporation has no actual knowledge that it sells or shares the personal information of consumers under 16 years of age.

5. Privacy Rights

You have the following rights under relevant privacy laws:

• Right to Know: You have the right to request the categories and specific pieces of personal information we have collected about you, the sources of that information, the business purposes for which we collect it, and the third parties with whom we share it.
• Right to Delete: You may request that we delete any personal information we have collected from you, subject to certain exceptions.
• Right to Opt-Out of Sale of Personal Information: We do not sell personal information to third parties. However, you have the right to direct us not to sell your personal information in the future if that practice changes.
• Right to Non-Discrimination: We will not discriminate against you for exercising your rights, including by denying services or charging different prices.
• Right to Correct Inaccurate Information: You have the right to correct inaccurate personal information that we maintain about you.

Notice of Right to Opt-out of Sale/Sharing: You have the right to opt-out of the sharing or sale of your personal information by us. You may opt-out of the sale or sharing of your personal information using the methods described in Section 6 below. If you opt-out of the sharing or sale of your personal information, that opt-out preference will apply to all information associated with your consumer account.6. How to Exercise Your Rights

To exercise your rights, you can:

• Call us at 901-685-1571
• Email us at info@carterfunding.com
• Submit a request via our online form at https://carterfunding.com/contact-us/

We will verify your identity by cross-referencing the phone number or email address used to contact us to exercise your rights with the phone number or email address provided to us by you at the time of entering into any agreement with us. If you submit a request via our online form, we will cross-reference the phone and/or email provided in that form with the phone number and/or email provided to us by you at the time of entering into any agreement with us. We may also contact you at the phone number or email that you provide to us at the time of entering into any agreement with us in order to verify your identity. We will verify your identity before processing your request to protect your privacy. Please provide as much information as possible to help us locate your records. We will respond to your request within 45 days, or notify you if we need additional time. If you wish to have an authorized agent make a request to exercise your rights on your behalf, you must provide us with a statement signed by you that you are authorizing such an agent to make the request on your behalf. This statement must include the email address and phone number of the agent authorized to make the request on your behalf.

7. Cookies and Tracking Technologies

We may use cookies, web beacons, and other tracking technologies to collect information about your interaction with our website. This helps us improve our services and provide a more personalized experience. You can adjust your browser settings to refuse cookies, but some features of our website may not function properly if you do.

8. Data Security

We take the security of your personal information seriously and implement appropriate physical, technical, and administrative measures to protect it from unauthorized access, disclosure, alteration, or destruction. However, no system is completely secure, and we cannot guarantee the absolute security of your information.

9. Retention of Personal Information

We will retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal obligations. Any updates will be posted on this page, and the “Effective Date” at the top of this policy will be updated accordingly. We encourage you to review this Privacy Policy periodically. This privacy policy was last updated on October 15, 2024.

11. Contact Us

If you have any questions or concerns about this Privacy Policy or our privacy practices, please contact us at:

• Email: info@carterfunding.com
• Phone: 901-685-1571
• Mailing Address: PO Box 770416, Memphis, TN  38177-0416

By using our services or interacting with our website, you acknowledge that you have read and understood this Privacy Policy.