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Finova Financial: Online Privacy Notice
Effective Date: March 2017

Finova Financial respects your concerns about privacy. This Online Privacy Notice describes the types of personal information we collect on our website, www.finovafinancial.com (the “Site”), how we may use the information and with whom we may share it. This Notice also describes the measures we take to safeguard the personal information and how users can contact us about our privacy practices.

In addition to this Online Privacy Notice, the Finova Financial U.S. Consumer Privacy Notice applies to customers and consumers of Finova Financial and provides choices regarding how they may limit our sharing of the personal information we collect about them.

See the information below to understand the following sections better:

Information We Collect

We may collect certain personal information when you choose to provide it through our Site[s]. The types of personal information we may collect include:

In addition, when you visit our Site, we may obtain certain information by automated means, such as cookies, web server logs and web beacons. The information collected in this manner may include IP addresses, operating systems type, browser type, domain and other system settings.

A “cookie” is a text file that websites send to a visitor’s computer or other Internet-connected device to uniquely identify the visitor’s browser or to store information or settings in the browser. A “web beacon,” also known as an Internet tag, pixel tag or clear GIF, links web pages to web servers and their cookies and may be used to transmit information collected through cookies back to a web server. Through these automated collection methods, we collect “clickstream data,” which is a log of content on which a visitor clicks while browsing a website. As the visitor clicks through the Site, a record of the action may be collected and stored. If you wish to disable the storage of cookies on your computer, you may do so using the settings on your browser or device. Please note, however, that without cookies you may not be able to use all of the features of our Site. For more information on deleting or controlling cookies, visit www.aboutcookies.org.

How We Use The Information We Collect

We may use the information we collect through the Site to:

In addition, we use information collected online through cookies, web beacons and other automated means for purposes such as managing our business. We also use this information to help diagnose technical and service problems, administer our Site, identify users of our Site, and gather demographic information about our users. We use clickstream data to determine how much time users spend on web pages of our Site, how users navigate through our Site, and how we may tailor our Site to better meet the needs of our users.

We also may use the information we collect about you in other ways for which we provide specific notice at the time of collection.

Third-Party Analytics Services

We may use third party web analytics services on the Site, such as those of Google Analytics. These services help us analyze how users use the Site. The information collected for this purpose (including IP address and other information collected by automated means) will be disclosed to or collected directly by these service providers. To learn more about Google Analytics and how to opt out, please visit www.google.com/analytics/learn/privacy.html.

Interest-Based Advertising

On our Site, Finova Financial may collect information about your online activities for use in providing you with advertising about products and services tailored to your individual interests. This section of our Privacy Notice provides details and explains how to exercise your choices.

You may see certain ads on other websites because Finova Financial participates in advertising networks. Ad networks allow us to target our messaging to users through demographic, interest-based and contextual means. These networks track your online activities over time by collecting information through automated means, including through the use of cookies, web server logs and web beacons. The networks use this information to show you advertisements that may be tailored to your individual interests. The information our ad networks may collect includes information about your visits to websites that participate in the relevant advertising networks, such as the pages or advertisements you view and the actions you take on the websites. This data collection takes place both on our Site and on third-party websites that participate in the ad networks. This process also helps us track the effectiveness of our marketing efforts. To learn about how to opt out of this ad network interest-based advertising, click here.

Our Sites are not designed to respond to “do not track” signals from browsers.

Information We Share

Please see the Finova Financial U.S. Consumer Privacy Notice for information and choices regarding how we may share personal information about customers and consumers.

We also may disclose information about you (i) if we are required to do so by law, regulation or legal process (such as a court order or subpoena), (ii) in response to requests by government agencies, such as law enforcement authorities, (iii) for the purpose of or in connection with legal proceedings, or otherwise for the purpose of establishing, exercising or defending our legal rights, or (iv) when we believe disclosure is necessary or appropriate to prevent physical harm or financial loss or in connection with an investigation of suspected or actual illegal activity. We reserve the right to transfer any information we have about you in the event we sell or transfer all or a portion of our business or assets (including in the event of a reorganization, dissolution or liquidation).

Your Choices

Finova Financial allows you to manage your account and information on the Site. Once you log in, you may use the Site to update your personal information. Please see the Finova Financial U.S. Consumer Privacy Notice for further choices regarding how we may share personal information about customers and consumers.

Links To Other Websites

Our Site may contain links to other websites for your convenience and information. Linked websites may have their own privacy policies or notices, which we strongly suggest you review if you visit any linked websites. To the extent any linked websites are not owned or controlled by us, we are not responsible for their content, any use of the websites, or the privacy practices of the websites.

How We Protect Personal Information

We maintain administrative, technical and physical safeguards designed to protect personal information against accidental, unlawful or unauthorized destruction, loss, alteration, access, disclosure or use.

Updates To Our Online Privacy Notice

This Online Privacy Notice may be updated periodically and without prior notice to you to reflect changes in our personal information practices. We will post a notice on our Site to notify you of any significant changes to our Online Privacy Notice and indicate at the top of the notice when it was most recently updated.

How To Contact Us

If you have any questions about this Online Privacy Notice please contact us by phone at 1-844-576-0862, or write to us at:

4521 PGA Boulevard, Suite 226
Palm Beach Gardens, Florida 33418

99997.024196 EMF_US 62120150v2

Rev March 2017

FACTS
WHAT DOES FINOVA FINANCIAL 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
  • checking account information
  • insurance claim history and transaction history
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 Finova Financial chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Finova 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
Yes
Yes
To limit our sharing
Call us toll free at 1-844-576-0862
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 1-844-576-0862 or go to www.FinovaFinancial.com
Who we are
Who is providing this notice? Finova Financial, LLC and its affiliated entities.
What we do
How does Finova 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 does Finova collect my personal information? We collect your personal information, for example, when you
  • open an account or apply for a loan
  • give us your income information
  • 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 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 – unless you tell us otherwise.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Our affiliates include companies with a Finova name and nonfinancial companies, see below.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Nonaffiliates we share with can include insurance companies and other financial service providers.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include financial services companies.
Other important information
California Residents – In accordance with California law, we will not share information we collect about California residents with nonaffiliates except as permitted by law, such as with the consent of the customer or to service the customer’s accounts. We will also limit the sharing of information about you with our affiliates to the extent required by applicable California law.

Other Affiliates: Finova Financial LLC, NFH Tennessee LLC, NFH South Carolina LLC, NFH California LLC, NFH Arizona LLC, NFH Texas LLC, NFH Virginia LLC, National Financial Holdings Inc., National Financial Holdings Technology LLC, NFH Management Consulting LLC, NFH Florida LLC, NFH Utah LLC, NFH Alabama LLC, NFH Kansas LLC, NFH Minnesota LLC, NFH Mississippi LLC, NFH Oregon LLC, NFH Missouri LLC, NFH New Mexico LLC, NFH Wisconsin LLC, NFH Louisiana LLC, NFH Idaho LLC, NFH Delaware LLC, NFH Nevada LLC, NFH Georgia LLC, NFH New Hampshire LLC, NFH Ohio LLC, NFH Illinois LLC, and NFH South Dakota.

© 2017 Finova Financial - All Rights Reserved