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What do Celtic Bank and FinFit 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:
  • Social Security number and income
  • Account balances and payment history
  • Credit history and employment information

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 Celtic Bank and FinFit choose to share; and whether you can limit this sharing.
Reasons we can share your personal information Do Celtic Bank and FinFit share? Can you limit this 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 No We don’t share
For our affiliates’ everyday business purposes –
information about your transactions and experiences		 Yes No
For our affiliates’ everyday business purpose –
information about your creditworthiness		 No We don’t share
For our affiliates to market to you No We don’t share
For nonaffiliates to market to you No We don’t share

Salary Finance Inc.
NMLS ID 1750487
NMLS Consumer Access

To limit our sharing

Please note: If you are a new customer, we can begin sharing your information 45 days from the date we sent this notice. When you are no longer our customer, we continue to share information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions?

Call (800) 854-7848 (Celtic Bank) or call (888) 928-7248 (FinFit)
Who we are
Who is providing this notice? Celtic Bank and FinFit Ops, LLC (“FinFit”)
What we do
How do Celtic Bank and FinFit 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 do Celtic Bank and FinFit collect my personal information? We collect your personal information, for example, when you
  • Apply for a loan or give us your income information
  • Provide employment information or give us your contact information
  • Open an account
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.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Celtic Bank does not share with its affiliates. Affiliates of FinFit Ops, LLC include companies with a FinFit name and others, such as Wage Now LLC.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Nonaffiliates we share with can include insurance companies, payment card issuers, mortgage companies and direct marketing companies.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Celtic Bank and FinFit do not jointly market
Other important information
California residents: We will not disclose information to nonaffiliated third parties to market to you, unless you authorize us to make the disclosures. We will not disclose your information to affiliates, other than as permitted by law and after giving any required opt-out notice, unless you authorize us to make the disclosures.
Vermont residents: We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found at www.finfit.com or by calling (800) 854-7848 (Celtic Bank) or call (888) 928-7248 (FinFit).

Texas residents: For questions or complaints about this loan, contact FinFit Ops, LLC at (888) 928-7248. FinFit Ops, LLC is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting FinFit Ops, LLC, consumers can contact the OCCC to file a complaint or ask a general credit related question. OCCC address: 2601 N. Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579. Fax: (512) 936-7610. Website: occc.texas.gov. E-mail: consumer.complaints@occc.texas.gov

Rev. January 2024