GLBA Privacy Notice
What does Rose Cove do with your personal information?
Effective
FACTS
What does Rose Cove 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 use with us. This information can include:
- Full name, address, email address, phone number, and date of birth
- Employment status, employer, and income
- Housing status and monthly payment obligations
- Loan request details (amount, purpose, preferences)
- Social Security number and income
- Credit profile information you provide, and credit report information obtained through consumer reporting agencies where permitted, including credit history and credit scores
- Identity verification information
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 Rose Cove chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does Rose Cove share? | Can you limit this sharing? |
|---|---|---|
| For everyday business purposes — such as to process your requests and provide you with our services (e.g., to match you with lenders, banks, credit unions, and other financial service providers), maintain your account(s), fraud prevention, identity verification, customer service, accounting, auditing, and reporting | Yes | No |
| For our marketing purposes — to offer our own products and services to you | Yes | No |
| For joint marketing with other financial companies — the lenders and financial providers featured on Rose Cove | Yes | Yes |
| For our affiliates' everyday business purposes — information about your transactions and experiences | No | We don't share |
| For our affiliates' everyday business purposes — information about your creditworthiness | No | We don't share |
| As required by law or with your consent – we share information with your consent or at your direction; in response to a subpoena or request from a regulator; or to comply with federal, state or local laws. | Yes | No |
| For our affiliates to market to you | Yes | Yes |
| For nonaffiliates to market to you — lead buyers, marketing partners, and affiliate networks who may contact you about financial products | Yes | Yes |
To limit our sharing
Contact us at privacy@rosecove.com or 315-566-8399, or write to RoseCove Ventures Corp., Attn: Privacy Office, 1001 Post Road, Darien, CT 06820.
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.
Questions?
Call 315-566-8399 or email privacy@rosecove.com. This GLBA Notice works alongside our general Privacy Policy at rosecove.com/legal/privacy — the Privacy Policy covers our data practices generally, and this notice covers nonpublic personal information (NPI) under GLBA specifically.
Who we are
Who is providing this notice?
RoseCove Ventures Corp., which operates Rose Cove ("Rose Cove," "we," "us").
What we do
How does Rose Cove protect my personal information?
To protect your personal information from unauthorized access and use, we maintain safeguards including encryption and secure transmission, access controls and authentication, vendor risk management, monitoring and incident response, and data minimization practices. However, as noted in our Privacy Policy, no method of transmission or storage can be guaranteed 100% secure.
How does Rose Cove collect my personal information?
As part of our business, we obtain certain personal information about you in order to provide a financial product or service to you. We collect your personal information, for example, when you:
- Visit our website or use our tools
- Submit a loan request or tell us about your income, employment, housing costs, or financial goals
- Provide identity verification information
- Interact with our marketing, including email, SMS, or phone communications
We also collect your personal information from others, such as lead sources and affiliates, marketing partners and data aggregators, identity verification and fraud vendors, consumer reporting agencies (where permitted), and advertising networks and analytics providers.
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.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Other important information
California residents: We will not share information we collect about California residents with a financial company for joint marketing purposes, except as required or permitted by law.
Vermont residents: We will not share information we collect about Vermont residents with nonaffiliates, unless the law allows or where we receive your express consent. For example, we may share information with your consent, to service your accounts or under joint marketing agreements with other financial institutions with which we have joint marketing agreements. We will not share information about your creditworthiness with affiliates, but we may share information about our transactions or experiences with you with affiliates without your consent.
North Dakota residents: We will not share information we collect about North Dakota residents with nonaffiliates, either for them to market to you or for joint marketing without your consent. Please note that we will share information we collect about you with our lending partners and affiliates to provide our products and services. When signing up for or accessing or using our products and services you consent on an ongoing business to such disclosure and such consent will be in place for as long as you do business with us.