LSC DBA Lyon Financial Service Website Privacy Statement

This document was last updated on 06/01/2018

FACTS

WHAT DOES LYON FINANCIAL SERVICE DO WITH YOUR PERSONAL INFORMATION?

WHY?

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.

WHAT?

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 transaction history
  • Credit history and credit scores

HOW?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Lyon Financial Service chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Lyon Financial Share? Can you limit the 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
Yes No
For our marketing purposes -
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 purposes -
information about your creditworthiness
No We don't share
For our affiliates’ everyday business purposes -
information about your creditworthiness
No We don't share
For our affiliates to market to you No We do not share
For our non-affiliates to market to you No We do not share
To limit our sharing
  • Call 877-754-5966

  • Visit us online: www.lyonfinancial.net

    Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
Questions? Call 1-877-754-5966 or go to www.lyonfinancial.net
What we do
How does Lyon Financial Service 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 Lyon Financial Service collect my personal information?

We collect your personal information, for example, when you

  • apply for a loan or give us your contact information
  • give us your income information or provide employment information
  • apply for financing
We also collect your personal information from other companies.
Why can’t I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates’ everyday business purposes - information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Lyon Financial Service does not share with our affiliates
Non-affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Non-affiliates we share with can include financial service providers such as Lenders.
Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Lyon Financial Service doesn’t jointly market

Website Tracking

We receive technical information when you use our Site. We and our marketing agencies use these technologies to analyze how people use our Site, to improve how our Site functions, and to serve you with advertisements that may interest you.

We and our marketing agencies use Google Analytics and Clicky Analytics to collect the following information when users access or interact with our Site: This information may include, among other information, the browser and operating system you are using, the URL or advertisement that referred you to our Site, the search terms you entered into a search engine that led you to our Site, areas within our Site that you visited, and other information commonly shared when browsers communicate with websites. This information may also include x/y coordinates of mouse events, unique ID tracking cookie, Internet Protocol (“IP”) address (anonymized for residents of the European Economic Area), unique device identifier (“Device Identifier”) for any device (computer, mobile phone, tablet, etc.). A Device Identifier is a number that is automatically assigned or connected to the device you use to access the Service, and our servers identify your device by its Device Identifier. Some mobile service providers may also provide us or our third party service providers with information regarding the physical location of the device used to access the Service.

Our Site may use “cookies” to enhance User experience. The User’s web browser places cookies on their device for record-keeping purposes and sometimes to track information about them. The User may choose to set their web browser to refuse cookies, or to alert the User when cookies are being sent. If a User does so, note that some parts of our Site may not function properly. We use cookies and other technologies to make sure that our online advertising is bringing customers to our services. We use cookies and other technologies to study traffic patterns on our Site, to make our Site more usable as well as to study the effectiveness of our customer communications.

We and our marketing agencies use the information from Google Analytics and Clicky Analytics in order to assemble statistics regarding usage of our Site as well as to help us understand how users engage with our website on an individual and aggregate basis in order to improve it; to help with customer service needs (such as troubleshooting issues that users report to us); and for research and analytical purposes such as service performance; customer behavior and common navigation through the website. Google Analytics data is then fed into our Google AdWords account in order to help us monitor how our internet advertising is performing.

We and our marketing agencies don’t share your website traffic data with any third party for any purpose unless required for legal reasons such as meeting applicable laws, regulations, legal processes, or enforceable governmental requests; enforcing applicable terms of service; detecting, preventing, or otherwise addressing fraud, security, or technical issues; protecting against harm to the rights, property or safety of our Company, our Customers, or the public as required or permitted by law.

EEA citizens have the legal right to access, correct and/or delete their personal data by contacting us directly.

Internet Advertising

We and our marketing agencies use Google AdWords Remarketing/Similar Audiences to advertise our Site across the Internet. AdWords remarketing will display relevant ads tailored to you based on what parts of our Site you have viewed by placing a cookie on your machine. This cookie does not identify you or give Google or us access to your computer. The cookie essentially states, “This User visited this web page, so show this User ads related to that webpage.” Google AdWords Remarketing allows us to tailor our marketing to better suit your needs and only display ads that are relevant to each User. Learn more about Google’s use of cookies at https://www.google.com/policies/technologies/ads/.

Opting Out of Remarketing, Advertising and Website Tracking

If you do not wish to participate in our Google AdWords Remarketing, you can opt out by visiting Google’s Ads Preferences Manager at https://adssettings.google.com/. You can also opt out of any third-party vendor’s use of cookies by visiting http://www.networkadvertising.org/choices/. View the Clicky Analytics privacy policy page which provides additional details including the ability to opt of their analytics tracking: https://clicky.com/terms/privacy. View the Google Analytics browser add on to opt out of their analytics tracking: https://tools.google.com/dlpage/gaoptout.

Children’s Online Privacy Protection Act

Our website is not designed for children under 13. If we discover that a child under 13 has provided us with personal information, we will delete that information from our systems.