LAST UPDATED: JANUARY 2023
Online Privacy Policy
Your privacy is important to us. This Online Privacy Policy explains how we collect,
share, use, and protect information when you visit or use this online service and
any other online services offered by the U.S. and UK banking and non-banking
affiliates and subsidiaries of FCJ Funding that link to or reference this policy (collectively,
our “online services”). This policy covers FCJ Funding's many online services, including the
FCJ Funding's websites
As you review this Online Privacy Policy, here are a few general principles to keep in
mind:
• Our online services linking to this notice are intended for a U.S. and UK
audience. If you visit or use one of these online services, your information may be
transferred or processed in the United States. For non-U.S.
• With the exception of the FCJ Funding Banking℠ program, our online services
are not intended for children under 13. We do not knowingly collect
personal information from children under 13 without parental consent.
• If you have a financial product or service with us, we will use and share any
information that we collect from or about you in accordance with our U.S.
Consumer Privacy Notice, which offers you certain choices with respect to
the use and sharing of your personal information.
• If you are a California resident, you may have rights under the California
Consumer Privacy Act. Learn more about your CCPA rights
• Merchants in the U.S. and UK can find additional information in the
Merchant Services' Privacy Statement
• FCJ Funding and our social media sites or pages may have additional terms
from this policy about the privacy of your information. Please review the
privacy policy for the specific online service you are using.
• If you have questions after reviewing this policy, please visit Frequently
Asked Questions.
Information we collect
Personal Information
When you visit or use our online services, we may collect personal information from
or about you such as your name, email address, mailing address, telephone
number(s), account numbers, limited location information (for example, a zip code
to help you find a nearby ATM), user name and password. We may also collect
payment card information, social security numbers, driver’s license numbers (or
comparable) when you provide such information while using our online services
and where we believe it is reasonably required for ordinary business purposes.
Usage and Other Information
In addition to the personal information described above, we may collect certain
information about your use of our online services. For example, we may capture
the IP address of the device you use to connect to the online service, the type of
operating system and browser you use, and information about the site you came
from, the parts of our online service you access, and the site you visit next. We or
our third-party partners may also use cookies, web beacons or other technologies
to collect and store other information about your visit to, or use of, our online
services.
For your convenience, FCJ Funding offers you the ability to access some of our products
and services through mobile applications and mobile-optimized websites.

Additional Sources of Information
We may also collect information about you from additional online and offline
sources including from co-branded partner sites or commercially available third-
party sources, such as credit reporting agencies. We may combine this information
with the personal and other information we have collected about you under this
Online Privacy Policy.
Use of Information
We use the information discussed above in a number of ways, such as:
• Processing applications and transactions;
• Verifying your identity (such as when you access your account information);
• Preventing fraud and enhancing the security of your account or our online
services;
• Responding to your requests and communicating with you;
• Managing your preferences;
• Performing analytics concerning your use of our online services, including
your responses to our emails and the pages and advertisements you view;
• Providing you tailored content and marketing messages; Operating,
evaluating and improving our business (including developing new products
and services; improving existing products and services; performing data
analytics; and performing accounting, auditing and other internal functions);
• Complying with and enforcing applicable legal requirements, relevant
industry standards, contractual obligations and our policies; and
• For any other purposes that we may specifically disclose at the time you
provide or we collect your information.
We may also use data that we collect on an aggregate or anonymous basis (such
that it does not identify any individual customers) for various business purposes,
where permissible under applicable laws and regulations.
Disclosure of Information
We may share the information we collect from and about you with our affiliates and
other third parties. For example, we may share your information with:
• FCJ Funding third-party service providers;
• FCJ Funding affiliated websites and businesses in an effort to bring you improved
service across our family of products and services, when permissible under
relevant laws and regulations;
• Other companies to bring you co-branded services, products or programs;
• Third parties or affiliates in connection with a corporate transaction, such as
a sale, consolidation or merger of FCJ Funding businesses; and
• Other third parties to comply with legal requirements such as the demands
of applicable subpoenas and court orders; to verify or enforce our terms of
use, our other rights, or other applicable policies; to address fraud, security
or technical issues; to respond to an emergency; or otherwise to protect the
rights, property or security of our customers or third parties.
Where appropriate, we will limit sharing of your information in accordance with the
choices you have provided us in response to our U.S. Consumer Privacy Notice.
We may share anonymous or aggregated information with third parties to help
deliver products, services, and content that are better tailored to the users of our
online services and for other purposes.
Understanding Cookies, Web Beacons and Other
Tracking Technologies
We, or our service providers, and other companies we work with may deploy and
use cookies, web beacons, local shared objects and other tracking technologies for
various purposes, such as fraud prevention and monitoring our advertising and
marketing campaign performance. Some of these tracking tools may detect
characteristics or settings of the specific device you use to access our online
services.
• “Cookies” are small amounts of data a website can send to a visitor’s web
browser. They are often stored on the device you are using to help track
your areas of interest. Cookies may also enable us or our service providers
and other companies we work with to relate your use of our online services
over time to customize your experience. Most web browsers allow you to
adjust your browser settings to decline or delete cookies, but doing so may
degrade your experience with our online services.
• Clear GIFs, pixel tags or web beacons—which are typically one-pixel,
transparent images located on a webpage or in an email or other message—
or similar technologies may be used on our sites and in some of our digital
communications (such as email or other marketing messages). They may
also be used when you are served advertisements or you otherwise interact
with advertisements outside of our online services. These are principally
used to help recognize users, assess traffic patterns and measure site or
campaign engagement.
• Local Shared Objects, sometimes referred to as “flash cookies” may be
stored on your hard drive using a media player or other software installed
on your device. Local Shared Objects are similar to cookies in terms of their
operation, but may not be managed in your browser in the same way.
Online advertising
You will see advertisements when you use many of our online services. These
advertisements may be for our own products or services (including pre-screened
offers of credit) or for products and services offered by third parties. Which
advertisements you see is often determined using the information we or our
affiliates, service providers and other companies that we work with have about you,
including information about your relationships with us (e.g., types of accounts held,
transactional information, location of banking activity). To that end, where
permitted by applicable law, we may share with others the information we collect
from and about you.
Online behavioral advertising (also known as “OBA” or “interest-based advertising”)
refers to the practice of collecting information from a computer or device regarding
a visitor’s web-browsing activities across non-affiliated websites over time in order
to deliver advertisements that may be of interest to that visitor based on their
browsing history. Through OBA, we hope to deliver advertisements that are most
likely to be of interest to you using information about your other web-browsing
activities (e.g., the web pages you visit, search terms you enter, and the way you
move through our online services on your computer or device) or your personal
profile (e.g., demographic or location information). Certain companies we work with
may set cookies and use related tracking technologies, such as the clear GIFs
discussed above, throughout our online services or in our communications to
support these OBA efforts. If you do not want your information collected and used
by the companies we work with for OBA purposes, you can opt out of this form of
OBA by following the instructions in the next section.
Opting Out of "Online Behavioral Advertising"
(OBA)
There are two (2) ways that you can opt out of OBA from certain Chase ads on
third- party websites. One way is through the cross-industry Self-Regulatory
Program for Online Behavioral Advertising managed by the Digital Advertising
Alliance (DAA). To opt out of OBA, please click on the following link and follow the
instructions: http://youradchoices.com. Another way to opt out of OBA is by clicking
on the Advertising Options Icon featured on certain Chase ads on third-party
websites. When clicked it (i) describes the collection and uses of data gathered at the
relevant third-party website and (ii) provides a way for you to opt out of data collection
and use by the third parties listed for the purposes of OBA. If you choose to opt out, our
service provider will communicate your opt out election to the relevant third-party
advertising partners and a cookie will be placed on your browser indicating your
decision to opt out.
Bear in mind that because cookies are stored by your browser, if you use different
browsers on your computer, or multiple computers and devices that have browsers and
you do not wish to have cookies collect information for OBA purposes, you will need to
opt out of OBA from each browser on each of the computers and devices that you
use. Please note that even if you opt out of OBA, you may still receive advertisements
from us; they just won’t be customized based on your web-browsing activities on third-
party websites.
Linking to Third-Party Websites
FCJ Funding may provide links to websites that are owned or operated by other
companies ("third-party websites"). When you use a link online to visit a third-party
website, you will be subject to that website’s privacy and security practices, which
may differ from ours. You should familiarize yourself with the privacy policy, terms
of use and security practices of the linked third-party website before providing any
information on that website.
Security
We use reasonable physical, electronic, and procedural safeguards that comply
with federal standards to protect and limit access to personal information. This
includes device safeguards and secured files and buildings. Visit our Security
Center for additional information about how we protect your Personal Information.
Please note that information you send to us electronically may not be secure when
it is transmitted to us. We recommend that you do not use unsecure channels to
communicate sensitive or confidential information (such as your Social Security
number) to us.
Updating Your Information