L-05 / Financial-service users
FINANCIAL PRIVACY & GLBA NOTICE
This notice describes practices for nonpublic personal information and the financial products or services that may be subject to the Gramm-Leach-Bliley Act (“GLBA”) or similar financial-privacy requirements. Applicability depends on the service, relationship, role, and law.
Reading note
This document governs the activity it describes. Product copy, calculators, educational pages, and summaries do not replace it. Third-party providers apply their own agreements and privacy practices.
Scope and Relationship
FuteurCredX provides business-credit technology, information, and a marketplace that may connect businesses with third-party financial providers. We are not the lender making a financing decision. A provider’s own privacy notice governs its separate collection, underwriting, servicing, and funding activity.
Information Covered
Depending on the service, nonpublic personal information may include information provided to request a financial product or service, resulting from a transaction, or otherwise obtained in connection with providing that product or service.
- 2.1Names, contact details, dates of birth, and government identifiers
- 2.2Business names, tax identifiers, ownership, and operating information
- 2.3Credit reports, scores, tradelines, payment history, and risk indicators
- 2.4Bank-account, balance, statement, and transaction information
- 2.5Application, provider, offer, decision, and servicing information
Why We Collect and Disclose It
- 3.1Provide, verify, secure, and support a requested product or service
- 3.2Obtain credit information under an applicable authorization or legal basis
- 3.3Match or transmit a request to participating providers
- 3.4Prevent fraud and satisfy legal, regulatory, audit, or recordkeeping duties
- 3.5Use service providers for hosting, authentication, verification, analytics, communications, payments, or document processing
Parties That May Receive It
Information may be disclosed to participating financial providers, credit-reporting agencies, identity and fraud services, bank-data and document processors, hosting and security vendors, professional advisers, regulators, law enforcement, or parties to a business transaction, in each case for a permitted purpose and subject to applicable restrictions.
Choice and Opt-Out Rights
GLBA opt-out rights apply to certain disclosures to nonaffiliated third parties and contain exceptions, including disclosures needed to process or service a requested transaction. FuteurCredX does not sell personal information for money. Some privacy laws define “sale” or “sharing” more broadly. To ask whether an opt-out applies to your relationship or to submit a request, email data@futeurcredx.com. We may verify identity and authority.
Safeguards
Where required, we maintain an information-security program designed to protect covered information. Safeguards are selected based on risk and may include governance, risk assessment, access control, authentication, encryption, monitoring, secure development, incident response, continuity planning, personnel training, and service-provider oversight.
Credit Reports and FCRA
The Fair Credit Reporting Act separately governs consumer reports and permissible purposes. The disclosure or authorization presented before a report is requested controls the parties, purposes, report type, and expected inquiry behavior. Inaccurate bureau information generally must be disputed with the bureau or data furnisher.
Updates and Contact
We may update this notice as services, roles, or legal requirements change. Questions may be sent to data@futeurcredx.com or legal@futeurcredx.com.