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Finova Financial Privacy & Security Policy

Finova Financial is dedicated to promoting a world of transparency & complete disclosure in the financial services industry.

We take our customer privacy very seriously and are committed to our customers' privacy. Scroll down this page to learn what personal information we collect from consumers, how we collect and use it, how we protect it, and how we share personal information. We do not share our customers’ or former customers’ personal information except for our everyday business purposes such as to verify identity or eligibility for our loan products, to process transactions, maintain account(s), respond to court orders and legal investigations, or report to credit bureaus.


What types of personal information we collect, how we collect it, and how we use it. Finova Financial collects two types of information to create the best customer experience: (1) Personal information that users like you submit to Finova Financial via our website, and (2) Website usage information that is automatically generated by users as they interact with the site or information that we access via application programming interfaces.

1. Personal Information

Finova Financial uses personal information as required by state and federal regulators to assure we are promoting safe and responsible lending. When you first apply for a loan via the Finova Financial website (www.Finova Financial.com), we ask you to create an account and then ask you to supply certain personal information. We use this information:

The types of personal information we collect for these purposes can include:

COLLECTION AND USE OF BANK ACCOUNT INFORMATION:
As part of our application process, we require banking information. In processing your application, we may detect additional bank accounts under your ownership. We will consider these additional accounts to be part of the application process. By applying, you authorize us to search for and evaluate bank accounts under your ownership for this purpose.

Finova Financial may also obtain more information about applicants from third parties to help us validate this information. We also collect tokens from online services and payment systems.

After you become a Finova Financial customer by obtaining a loan, we use your information for transaction processing and to communicate with you.

2. Website Usage Information

Finova Financial uses "website usage" information to help create a better user experience.
Finova Financial collects certain information from users' browsers using small text files called "cookies." Finova Financial uses session ID cookies to confirm that users are logged in. This type of cookie helps Finova Financial recognize a user if he or she visits multiple pages on our site during the same session, so that we do not need to require a password to access each page. Please note: If you do not accept cookies from Finova Financial, you will not be able to use our site.

We also use a persistent cookie that stores your login ID (but not your password) to make it easier for you to login when you come back to Finova Financial on future visits. We encode our cookies so that only we can interpret the information stored in them, but they do not contain personally identifiable information. Users can remove or block the persistent cookie using the settings in your browser if you want to disable the feature.

Finova Financial also stores transaction history and user relationships/interactions. We collect this information so that we can provide users with a meaningful service.

Finova Financial may collect additional information in other ways not specifically described here. For example, we may collect information related to interactions with customer services, collections, surveys or other feedback tools from third parties using technologies such as application programming interfaces (APIs).

Finova Financial's primary purpose in collecting personal information during website usage is to provide users with a safe, smooth, efficient, and customized experience and allow them to take full advantage of our products and services.

Finova Financial uses this information to provide services and support; process transactions and send notifications regarding general operation of the service, such as messages or reminders, resolve disputes, collect fees, and troubleshoot problems; prevent potentially prohibited or illegal activities, and enforce our user agreement; customize, measure, and improve our services and the content and layout of our website; compare information for accuracy and verify it with third parties.

How we protect users’ personal information:

Finova Financial Protects Your Information With The Latest Internet Technology.
Finova Financial collects and stores certain information in order to provide the best solutions for our customers, today and tomorrow. We strive to go beyond industry standards to make sure your information is safe and secure, and we restrict access to protect you against fraud.

When you enter personally identifiable information on our registration page we use a 128-bit secure socket layer (SSL).

Finova Financial uses computer safeguards such as firewalls and data encryption, and authorizes access to personal information only for those employees who require it to fulfill their job responsibilities. Our data is encrypted before, during and after it is submitted to have the best protection of your information. Only authorized employees can access the data and they must submit multiple forms of identity verification before accessing any information.

Finova Financial does not store payment or related personal data at our offices. Instead of storing payment information on company systems, Finova Financial stores this information in PCI DSS Level 1 certified secure data centers located only in the United States. This information is protected by physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. Our data is stored in a physically protected environment. Physical access is strictly controlled.

Finova Financial encrypts and securely transmits user payment information to the banking network at the time of initial payment acceptance. Finova Financial receives the response along with a "payment token" that it uses to reference that transaction for any future billing action. Finova Financial stores only this secure token.

Finova Financial Does Not Intentionally Share Your Information.
Finova Financial does not share a user's personal or financial information with other customers or users. It is your responsibility to protect your account access codes, including your username and password, so others can’t access your account.

Finova Financial takes your privacy seriously.
Finova Financial may share personal information with partners under contract who help with certain parts of our business operations including application evaluation, customer services, payment, fraud prevention, secure data storage, collections and other similar services.

Finova Financial may share personal information in the event of a merger or acquisition. Should such an event occur, Finova Financial will seek to require that the new combined entity follow our privacy policy with respect to personal information you have provided.

Finova Financial may be compelled to share personal information with law enforcement, government officials, or other third parties in the event of a subpoena, court order or similar legal procedure, or when Finova Financial believes in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our user agreement.

All financial companies need to share customer's personal information to run their everyday business. The information that we collect, including information obtained from third parties, is shared with our affiliates and shareholders. Our affiliates and shareholders can be financial and nonfinancial entities.

In the section below, we list the reasons financial companies can share their customer's 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 Financial 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
For our marketing purposes - to offer our products and services to you
For joint marketing with other financial companies
For our affiliates' everyday business purposes - information about your transactions and experiences
For our affiliates' everyday business purposes - information about your creditworthiness
For our affiliates to market to you
For nonaffiliates to market to you

To Limit Our Sharing
Click here to view our mail form.

We may share aggregated, non-personally identifiable information publicly and with our partners – like publishers, advertisers or connected sites. For example, we may share information publicly to show trends about the general use of our services.

Any information you provide directly to a third party merchant, website or application is not covered by this privacy notice. We are not responsible for the privacy or security practices of merchants or other third parties with whom you choose to share your personal information directly. We encourage you to review the privacy policies of any third party to whom you choose to share your personal information directly.

Finova Financial Allows You to Control Your Account.
Finova Financial allows you to manage your account and information on www.FinovaFinancial.com. Once you log in you may update your personal information, assuming your account is in good standing. In that case, we will retain only the personal information required by law or that we deem necessary.

Finova Financial Publishes Our Privacy Policy For Everyone To See.
You can always see the most updated changes to the Finova Financial Privacy Policy on www.FinovaFinancial.com or by contacting Finova Financial at privacy@FinovaFinancial.com.

In the event we modify our privacy policy, we may contact you via email and provide you with notice of the change and a link to review the new privacy policy.

DISCLOSURES: Finova Financial loans are made pursuant and regulated by: Florida Office of Financial Regulation, under Statute 516; Florida Consumer Finance License. We provide loans based on the equity of a vehicle and our liberal credit policies. We require a lien free Title (a first lien will be placed on the title which you are pledging as collateral for the loan), minimum income requirements, the consumers ability to repay the loan, proof of residency (such as a utility bill), a valid state issued ID/Drivers License, and information from credit bureaus. Please call +1 (844) 576 0862 for any further assistance or questions. This is an expensive form of credit. Not everyone will qualify. Finova Financial loans are designed to help you meet your borrowing needs. This service is not intended to provide a solution for all credit or other financial needs. Alternative forms of credit, such as a credit card cash advance, personal loan, home equity line of credit, existing savings or borrowing from a friend or relative, may be less expensive and more suitable for your financial needs. Refinancing may be available and is not automatic. Refinancing your loan will extend the term of the loan and result in additional interest charges. Late fees and non-sufficient funds/returned item fees may apply as described in your Loan Agreement. We will never charge you any "hidden fees" that are not fully disclosed in the Loan Agreement. If you don’t make a payment on time we will attempt to contact you via one or more authorized methods. All of our collections methods will be in accordance with the guidelines of the federal Fair Debt Collection Practices Act (FDCPA). Because we may report your payment history to one or more credit bureaus, late or non-payment of your loan may negatively impact your credit rating. If you fail to repay your loan in accordance with its terms, we may repossess your pledged vehicle and sell at auction, or place your loan with or sell your loan to a third-party collection agency or other company that acquires and/or collects delinquent consumer debt. You have the option of having the required comprehensive and collision to be prepaid for the life of the loan term OR you can choose an optional Voluntary debt cancellation addendum. This is available only as a voluntary option. If you choose the waiver, it will be included and amortized in your monthly payment. You pay interest only for the time your loan is outstanding, there is no prepayment penalty. Complete disclosures of APR, fees and payment terms are provided within the loan agreement. Finova Financial loans are made pursuant and regulated by: Florida Office of Financial Regulation, under Statute 516; Florida Consumer Finance License with interest rates up to 29.99% per year, based on the amount borrowed.

4521 PGA Blvd, Suite 226, Palm Beach Gardens, FL, 33418
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