Privacy Policy

Your privacy is important

At Loan Bliss/C2 Financial Corporation, we understand that the details you provide us with are not only private and personal, but that how we collect, use, hold, exchange and protect your information is important to you. It’s imperative that you feel secure whenever you work with us. It’s also important that you understand how we protect your privacy, as well as how, when and where we may use your personal information. This privacy policy is our commitment to you on what our policies towards your privacy are. You can be confident in the fact that we abide by and are bound by the The Gramm-Leach-Bliley Act for the protection of personal information and that your personal information will not be shared or sold to third parties for the purpose of marketing.

What information do we collect?

At Loan Bliss/C2 Financial Corporation, we collect personal information. Personal information means any information or opinion about you as an identified individual, or an individual who is reasonably identifiable, whether the information or opinion is true or not, and whether the information or opinion is recorded in a material form or not. For example identity and contact details, marital status and financial information. We may also collect sensitive information for specific purposes. If we need this type of information, we will ask for your consent. Sensitive information is a sub-set of personal information not only private and personal, but that how we collect, use, hold, exchange and protect your information is important to you. It’s imperative that you feel secure whenever you work with us. It’s also important that you understand how we protect your privacy, as well as how, when and where we may use your personal information. This privacy policy is our commitment to you on what our policies towards your privacy are. You can be confident in the fact that we abide by and are bound by the The Gramm-Leach-Bliley Act for the protection of personal information.

How do we collect your personal information?

We will always aim to collect your personal information directly from you. If for some good reason, we are unable to do so, we may involve another organization. For example, we will need to request a credit report from a credit reporting body when you apply for a mortgage loan. Before doing so or prior to collecting the information we need, we will inform you of the type of organizations we intend to disclose your personal information to. We may also collect your personal information through third parties who undertake the collection on our behalf.

Why do we collect your personal information?

We collect, use, hold and exchange your personal information so that we can submit your application for credit approval and provide you with detailed information about the status of your loan application as well as administer our customer relationships for internal purposes including for reporting and analytical purposes, and to meet our legal and regulatory reporting obligations.

Why do we exchange your information with another organization?

At Loan Bliss/C2 Financial Corporation, we want to provide our customers with the right products and services. At times, we may partner with another organization to support the products and services we offer (for example, credit partners). In these situations we will need to provide our partners with the personal info information you have given us.

In certain circumstances we may be compelled by law to disclose your personal information to various authorities. For instance, we may be required under the Bank Secrecy Act and the AML rules to disclose details of financial transactions and we may also be compelled under tax laws to provide such information to regulators, other organizations which we may exchange your personal information with may include credit providers; credit reporting bodies; government and law enforcement agencies; our suppliers, associates , and or service providers, any person who proposes to guarantee or has guaranteed repayment of any credit provided to you. Those in connection with funding financial accommodation by means of an arrangement involving securitization; third parties to enable them to contact you to offer their products and services or to determine if you would be interested in the products and services; and any person considering acquiring or taking an interest in our business. This is to your benefit, and helps us to provide the products and services you would expect from Loan Bliss/C2 Financial Corporation. Before we disclose any of your personal information to any other organization, we will take reasonable steps to ensure that: the organization has the same commitment as us to the protection of your personal information; and you have consented to us doing so. By consent, we mean approval in writing, orally, or implied from your dealings with us.

Access to and correction of your personal informati on

It is important for us, and for you, that the information we hold is accurate and up to date. In this, we rely on you to help us. We ask that you contact us whenever there are any changes to your personal information, so that we can update our records. The personal information we hold about you is yours to access and correct, and as such we can provide you with general information, such as your name, address and contact details quite easily. There is no fee for making the initial request.

If you have a privacy complaint

At Loan Bliss/C2 Financial Corporation, we value our customers. We will always aim to be fair and responsive. If you have a complaint, including a complaint about Loan Bliss/C2 Financial Corporation’s compliance, you have the right to expect that we will handle it in a friendly and professional manner. When we receive a complaint, we look on it as valuable feedback that may help us to improve the services we offer and to ensure your needs are met in a satisfactory and appropriate manner. If you wish to file a complaint, at any time, about the handling, use or disclosure of your personal information, please email us with your privacy request. We will make all efforts possible to investigate your complaint, and advise you of the outcome as soon as possible.