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FACTS
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WHAT DOES ARDENT FINANCIAL SERVICES, LLC DO WITH YOUR PERSONAL INFORMATION?
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WHY?
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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.
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WHAT?
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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 credit scores
When you close your account, we continue to share information about you according to our policies.
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HOW?
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All financial companies need to share customers' personal information to run their everyday business - to process transactions, maintain customer accounts, and report to credit bureaus. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Ardent chooses to share; and whether you can limit this sharing.
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Reason’s we can share your personal information
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Does Ardent Share?
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Can you limit this sharing?
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| For our everyday business purpose- to process your transactions, maintain your account, and report to credit bureaus |
Yes |
No |
| For our marketing purpose- 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 purpose- information about your transactions and experience |
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 |
| Contact Us |
Send an email to optout@ardentfinancial.com. |
| FACTS |
WHAT DOES ARDENT FINANCIAL SERVICES, LLC DO WITH YOUR PERSONAL INFORMATION? |
| Sharing practices |
| How often does Ardent notify me about their practices? |
We must notify you about our sharing practices when you open an account and each year while you are a customer. |
| How does Ardent 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 Ardent collect my personal information? |
We collect your personal information, for example, when you:
- Open an account or deposit money
- Pay your bills or apply for a loan
- Use your credit or debit card
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 sharing only for:
- Affiliates' everyday business purposes - information about your creditworthiness
- Affiliates to market to you
- Nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
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| Definitions |
| Everyday business purposes |
The actions necessary by financial companies to run their business and manage customer accounts, such as:
- Processing transactions, mailing, and auditing services
- Providing information to credit bureaus
- Responding to court orders and legal investigations
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| Affiliates |
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Our affiliates include Ardent Financial Services, LLC; Ardent Financial, LLC; and National Student Loan Group, LLC.
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| Nonaffiliates |
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Ardent does not share with nonaffiliates so they can market to you.
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| Joint marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Ardent does not jointly market.
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| FACTS |
WHAT DOES ARDENT FINANCIAL SERVICES, LLC DO WITH YOUR PERSONAL INFORMATION? |
| If you want to limit our sharing |
| Contact Us |
Via email: optout@ardentfinancial.com (be sure to include your name and address in the email so we may comply with your request)
Unless we hear from you, we can begin sharing your information 30 days from the date you receive this Privacy Policy. However, you can contact us at any time to limit our sharing.
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| Make your choices and contact us by email |
| Your choices will apply to everyone on your account |
Decide on any/all you want to limit: (See page 1) (Include this information in your phone call or email message to Ardent)
- Do not share information about my creditworthiness with your affiliates for their everyday business purposes.
- Do not allow your affiliate to use my personal in my personal information to market to me. (I will receive a renewal notice for this use for marketing in 5 years.)
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