This notice is provided to inform you about the types of nonpublic personal information (“Personal Information”) that CFS Investments DBA Champion Financial Services (“Company”), may collect or maintain during our interactions with you. It also outlines the protective measures in place to safeguard your information and explains under what circumstances we may disclose that information to third parties. This notice applies to both current and former customers.
You acknowledge and agree that you are providing express written consent for CFS Investments and its partners (including Tradition Media Group LLC) to share the information you’ve provided and to contact you with marketing and other messages via email and/or at the phone number provided via automatic dialing systems, recurring autodialed and prerecorded calls, or SMS/MMS messages (charges may apply), even if my telephone number is listed on a Federal, State, or other jurisdiction Do-Not-Call list.
You acknowledge that consent to these communications is not a condition to utilizing these services.
Reasons for Collecting Personal Information
We collect Personal Information to verify your identity, confirm details about you, offer financial products and services, assess requests for loans, and fulfill our obligations in servicing your loan.
Types of Personal Information We Collect or Maintain
We may collect or maintain the following types of nonpublic personal information:
- Information provided by you through loan applications, forms, or verbally, such as your name, address, phone number, social security number, income, assets, driver’s license number, and employment details.
- Transactional data, including account balances, payment history, and interactions with us, our affiliates, or other parties.
- Information from consumer reporting agencies, including your creditworthiness and credit history.
- Data gathered from third parties about your transactions with them.
Your Rights to Limit Sharing / Opt-Out
You have the right to limit our sharing of your Personal Information, subject to legal exceptions. You may exercise this right by calling (951) 848-7600, emailing [email protected], or writing to us at CFS Investments DBA Champion Financial Services, Attn: Compliance Department, 300 N Broadway Street, Santa Ana, CA 92701.
For residents of California, Colorado, Connecticut, Delaware, Iowa, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Texas, Utah, or Virginia, you can also request details about the Personal Information we have collected over the past 12 months, or request its deletion, by emailing [email protected].
To access the Federal Privacy Notice or the Detailed US Website Privacy Notice, please download them here:
CFS Investments provides its consumers a copy of a Federal and California Notice (if applicable) at the inception of entering into any form of written agreement. CFS Investments also provides a copy of both the Federal and California Notice(s) to its consumer(s) on an annual basis via regular US Postal Service.
California Consumer Privacy Act (CCPA) Rights
If you are a resident of California, the California Consumer Privacy Act (CCPA) grants you the following rights:
- Right to Know: You have the right to request access to the personal information we have collected about you over the past 12 months. This includes the categories of information, the sources from which we collected it, the purpose for collecting it, and the third parties with whom we have shared it.
- Right to Delete: You have the right to request the deletion of your personal information, subject to certain exceptions (e.g., if the information is necessary for the performance of a contract).
- Right to Opt-Out: You may opt out of the sale of your personal information to third parties. We do not sell personal information for marketing purposes, but if this changes, you will have the option to exercise your right to opt-out.
To exercise your CCPA rights, please submit a request by emailing [email protected]. We will respond to your request within the time frame required by law.
Safeguarding Your Information
We restrict access to your Personal Information to employees or affiliates who require it to provide financial products or services and to service your account. We maintain physical, electronic, and procedural safeguards that meet federal and state standards to protect your Personal Information.
Privacy Notice – Online Supplement
This section outlines how we handle information collected through your use of our website. The type and amount of information we collect depend on how you use the site.
General Website Usage
You can visit our website to view information about our products and services without revealing any personal details. During normal website usage, we collect non-identifiable data, such as the name of your internet service provider, the website you visited previously, the pages you visit, the date and time of your visit, and the number of times you visit our site. This information is used to improve the usability of our website. It may also be shared with third-party services that help us analyze or store this data.
We do not collect personally identifiable information such as your name, address, email, phone number, or social security number during general site usage.
Collecting Personally Identifiable Information Online
On occasion, we may request personally identifiable information to provide services or send communications (e.g., promotional materials). This information may include your name, mailing address, email address, and the nature of your request. We will always clarify how your information will be used at the time of collection. If you wish to prevent us from using your information for further contact, we will honor that request. This information is used exclusively to improve our services and may be shared with third-party agencies assisting us, but it will never be sold or provided to other companies for their own use.
Please be aware that our site may link to third-party websites, and we recommend reviewing their privacy policies before submitting any personal information.
Electronic Mail Containing Personal Information
If you send us an email containing personal information, such as inquiries about your account, we will only use that information to identify you as our customer and respond appropriately. We will use the details to address the specific inquiry and improve our services to you.
Internet Services
For certain internet services, such as online account access, we require some personally identifiable information (e.g., name, social security number, account number) to verify your identity and provide the requested services. Email addresses are optional, except when required to fulfill an internet-delivered service request.
Use of Cookies
A “cookie” is a small piece of text stored in your browser when you visit a website. Cookies help websites identify you during future visits and can enhance your browsing experience. Your browser settings can control whether to accept or reject cookies. While rejecting cookies provides anonymity, it may also limit the site’s functionality.
We use both session and permanent cookies to improve your experience and gather generic site metrics. These cookies do not involve personal identifiable data.
Keeping Your Information Accurate
If you believe the personal information we have on record is incorrect or incomplete, please contact us at 300 N Broadway Street, Santa Ana, CA 92701 or email [email protected]
Data Retention Policy
We retain your Personal Information for as long as necessary to fulfill the purposes for which it was collected, including legal, accounting, and reporting requirements. After that, your Personal Information will be securely deleted or anonymized, in accordance with applicable laws and our internal data retention procedures.
If you wish to inquire about our data retention practices or request the deletion of your data, please contact us at [email protected].
Changes to Our Privacy Policy
We reserve the right to modify our Privacy Policy and Privacy Notice. Any revised policy will apply only to data collected after the effective date of the update. If significant changes are made, we will post the revised policy on our website.