Privacy Policy

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:

• Full name, physical & mailing address, social security number, government issued id information, date of birth, email address, employer name, phone numbers, reference name/phone, income, credit history, credit score and payment history

When you are no longer our customer, we continue to share your information as described in this notice.

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 Monterey Financial Services, LLC chooses to share; and whether you can limit this sharing.

How does Monterey Financial Services, LLC 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 Monterey Financial Services, LLC collect my personal information?

We collect your personal information, for example, when you:

• apply for financing with a merchant partner
• give us your income information
• provide employment information
• pay us by check
• show your government-issued ID

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 only:

• sharing for affiliates’ everyday business purposes—information about your creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Text Messaging (SMS/MMS) Communications

If you provide us your mobile phone number or otherwise consent to receive text messages, the following applies:

• Consent: By providing your mobile phone number to Monterey Financial Services, LLC and expressly consenting to receive text messages through our website, customer portal, account enrollment process, or during an interaction with one of our customer service representatives, you agree to receive transactional and account servicing text messages related to your relationship with us. These messages may include account notifications, authentication or verification codes, payment reminders, payment authorization requests, customer service communications, and other information necessary to service your account. Messages are sent only for the purposes for which you have provided your consent or initiated the request.
• Message frequency: Message frequency varies based on your account activity and servicing needs.
• Cost: Message and data rates may apply. Charges are determined by your mobile carrier.
• Opt-out: You may revoke your consent to receive text messages at any time by replying STOP to any message, or by contacting us at 800-456-2225. Reply HELP for assistance. Opting out of text messages will not affect your obligations under your account agreement.
• Carrier liability: Carriers are not liable for delayed or undelivered messages.
• Use of mobile information: SMS consent and mobile phone numbers are not shared with third parties or affiliates for marketing or promotional purposes. We may disclose this information only to service providers as necessary to deliver SMS messages or as otherwise permitted by law. Your mobile number is used solely to service your account, consistent with the sharing practices described in the notice above.

AI-Assisted Customer Service

We may use automated or artificial-intelligence-assisted tools (such as chat features, virtual assistants, or voice systems) to help respond to customer inquiries or service your account. Where these tools are used:

• Disclosure: We will clearly disclose when you are interacting with an automated or AI-assisted system rather than a live representative, and you may request to speak with a human representative at any time.
• Scope of use: AI-assisted tools are used only for customer service and account servicing purposes (e.g., answering questions, providing account information, and routing requests). They are not used to provide legal, financial, tax, or credit counseling advice.
• Data use: Information shared during an interaction with an AI-assisted tool is handled in accordance with the data collection, use, and sharing practices described in the notice above, and is not used to train publicly available third-party AI models.
• Human escalation: If you express a request for a live representative, or if the system detects a request involving a dispute, hardship, or complaint, your interaction will be escalated to a human representative.