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U.S. Consumer Privacy Notice
This notice describes how IncoXchange collects, uses, and shares your personal information in accordance with applicable U.S. consumer privacy laws.
Last updated: January 15, 2025
Facts: What Does IncoXchange 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 information
- • Account balances and payment history
- • Credit history and credit scores
- • Transaction history and account transactions
- • Business financial information and tax returns
- • Employment information and assets
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 IncoXchange chooses to share; and whether you can limit this sharing.
Reasons We Can Share Your Personal Information
| Reasons we can share your personal information | Does IncoXchange 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 | 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 nonaffiliates to market to you | No | We don't share |
To Limit Our Sharing
Call us at +1 (888) 893-3263 (English) or +1 (888) 720-7109 (Español), or email us at privacy@incoxchange.com.
Please note:
- • 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 +1 (888) 893-3263 (English) or +1 (888) 720-7109 (Español), or visit incoxchange.com/privacy.
Who We Are
Who is providing this notice?
IncoXchange and its affiliates, including companies under common ownership or control that provide financial services.
What We Do
How does IncoXchange 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. We also maintain other physical, electronic, and procedural safeguards designed to protect your personal information.
How does IncoXchange collect my personal information?
We collect your personal information, for example, when you:
- • Apply for financing or provide account information
- • Give us your income information or employment information
- • Provide business financial statements or tax returns
- • Make payments or conduct transactions
- • Give us your contact information
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 information on your rights under state law.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include companies under the IncoXchange corporate umbrella.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies. IncoXchange does not share with nonaffiliates so they can market to you.
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include financial service providers and payment processors.
Other Important Information
California Residents: In accordance with California law, we will not share information we collect about you with nonaffiliates, except as permitted by law. For more information about your California privacy rights, please see our California Consumer Privacy Notice.
Vermont Residents: In accordance with Vermont law, we will not share information we collect about you with nonaffiliates, except as permitted by law, such as with your consent or to service your accounts. We will not share information about your creditworthiness with our affiliates without your authorization or consent, except as permitted by law.
Nevada Residents: We are providing you this notice under state law. You may be placed on our internal Do Not Call List by calling +1 (888) 893-3263. For more information, contact us at the address below or email privacy@incoxchange.com.
Contact Us
If you have any questions about this U.S. Consumer Privacy Notice, please contact us:
Email: privacy@incoxchange.com
Phone: +1 (888) 893-3263 (English) / +1 (888) 720-7109 (Español)
Address: 8084 S Wallace Ct, Suite A, Englewood, CO 80112