Disclosures

Flexstar Financial Solutions, LLC – Important Disclosures

Flexstar Financial Solutions does not provide, endorse, nor guarantee any third-party product, service, information, or recommendation available through links from this Web site. The third parties providing products and services available through this Web site are not affiliated with Flexstar Financial Solutions and are solely responsible for their products, services, information, recommendations, and all other content on their Web sites.

Flexstar Financial Solutions works hard to offer you products and services that it believes to be useful and reliable; however, Flexstar Financial Solutions does not provide, endorse, nor guarantee these unaffiliated third-party products, services, or information nor guarantee their accuracy. Flexstar Financial Solutions is not liable for any third party’s failure with regard to such advertised products, services, and benefits. We encourage you to check individual offers, products, and services to become familiar with any applicable restrictions or conditions.

By responding to offers advertised on this Web site, you may be communicating information about yourself to the company that provides such product or services—for example, that you are a Flexstar Financial Solutions customer. Please be aware that these third parties may have a different privacy policy than Flexstar Financial Solutions’. Their Web sites may also provide less security than Flexstar Financial Solutions.

NOTICE FOR CALIFORNIA RESIDENTS: Applicants may, after credit approval, use the credit up to its credit limit and be liable for amounts extended under the plan to any joint applicant. If you are married, you may apply for credit in your own name.

NOTICE FOR OHIO RESIDENTS: Ohio anti-discrimination laws require creditors to make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on individuals upon request. The Ohio Civil Rights Commission administers these laws.

NOTICE FOR NEW YORK AND VERMONT RESIDENTS: Flexstar Financial Solutions may obtain at any time your credit reports, for any legitimate purpose associated with the account or the application or request for an account, including but not limited to reviewing, modifying, renewing and collecting on your account. On your request, you will be informed if such a report was ordered. If so, you will be given the name and address of the consumer reporting agency furnishing the report. New York residents may contact the New York State Department of Financial Services by telephone or visit its website. New York State Department of Financial Services: 1-877-226-5697 or http://www.dfs.ny.gov.

NOTICE FOR WISCONSIN RESIDENTS: No provision of any marital agreement, unilateral statement, or court order applying to marital property will adversely affect a creditor’s interests unless prior to the time credit is granted, the creditor is furnished with a copy of the agreement, statement or court order, or has actual knowledge of the provision. If you are married, by submitting your application you are confirming that this obligation is being incurred in the interest of your marriage and your family. If the product for which you are applying is granted, you will notify the Bank if you have a spouse who needs to receive notification that credit has been extended to you.

Flexstar Financial Solutions, LLC

Flexstar Financial Solutions Subpoena Policy

Service of Subpoenas by Mail, Fax, or Email
All Flexstar Financial Solutions entities require that service of process be made in full compliance with applicable law.  Flexstar Financial Solutions entities do not as a practice accept service of process by any means not specifically authorized by applicable law, including email, facsimile, or mail.  However, if service by mail of your subpoena is permitted by applicable law, please send your subpoena to the appropriate Flexstar Financial Solutions entity at the following address:

Attn: Corporate Legal Counsel
1150 E. Little Creek Road
Norfolk, Virginia 23518

Please note that this address is to be used for subpoenas only, when service by mail is permitted by applicable law.  In addition, please do not send subpoenas to any fax number, Post Office box address, email address, or other mail address, even if a Flexstar Financial Solutions entity previously requested that subpoenas be sent to such number or address.

Customer Privacy
We are committed to protecting the privacy of our customers. Our “Privacy Policy,” the Gramm-Leach-Bliley Act (15 U.S.C. § 6801 et seq.), the Right to Financial Privacy Act of 1978 (12 U.S.C. § 3401 et seq.), and other relevant state and federal privacy laws prohibit the release of customer or account information without express permission from the customer except when required by law or to comply with legal process that is properly served upon us.

Flexstar Financial Solutions Operating Entity
All subpoenas must be issued and served upon the legal entity in full compliance with applicable law in order to permit that entity to provide a response. In addition, because Flexstar Financial Solutions does not have a designated custodian of records, a subpoena must be directed to Corporate Legal Counsel that maintains the requested records.

Reasonable Period of Time for a Response
Flexstar Financial Solutions exercises reasonable efforts to respond in a timely manner to subpoenas that are validly issued and served in full compliance with applicable law but such responses can take approximately 30-45 days or more from receipt to complete depending on the complexity of your request.  Please ensure that the scope of your subpoena is limited to only those records necessary for your legal matter and that the subpoena identifies the account holder and account number or account holder social security number to allow us to more quickly provide a response.

Fees for Compliance
We reserve the right to charge reasonable copying costs and administrative fees prior to the production of documents in response to any subpoena. Alternatively, we may issue an invoice to you.  Except as otherwise permitted by law, Flexstar Financial Solutions’ subpoena compliance fees are as follows:

Research Costs — $22.00/hour (or $7.50 per quarter hour)

Per Page Copying Costs — $0.25 per page (black and white)

Foreign State Subpoenas
For any subpoena issued from a state court in a state in which the Flexstar Financial Solutions or witness to which the subpoena is directed does not reside, please ensure that this subpoena is issued and served in accordance with the applicable interstate compacts of the applicable states that may permit the domestication of a foreign state subpoena. Alternatively, Flexstar Financial Solutions will accept a signed authorization from the customer, stating what records are to be provided.

Questions, Status Updates, and Other Inquiries
To inquire as to the status of a previously-issued subpoena, or for additional information regarding subpoenas for documents and/or witnesses, please email us at <EMAIL ADDRESS NEEDED>.  This email address is the sole point of contact for this purpose and enables us to provide you with the most timely and accurate response to your inquiry.

SCRA benefits

The Servicemembers Civil Relief Act (SCRA) provides financial relief and protections to eligible military personnel serving on active duty. Flexstar Financial Solutions is committed to both the letter and spirit of the SCRA, including provision of benefits and protections above and beyond what is required under the SCRA in certain situations.

Under Flexstar Financial Solutions’ SCRA Program, benefits for eligible products include:

  • A maximum interest rate of 6% on accounts owned and serviced by Flexstar Financial Solutions

SCRA program eligibility

Eligible Servicemembers include:

  • Active duty members of the Army, Navy, Air Force, Marine Corps or Coast Guard
  • Army, Navy, Air Force, Marine Corp or Coast Guard reservists serving on active duty
  • National Guard members in qualifying active service
  • Commissioned officers of the National Oceanic & Atmospheric Administration and Public Health Service on active service

If you are serving on active duty, you may be eligible for SCRA benefits and protections.

Eligible products include, but are not limited to:

  • Credit cards and lines of credit
  • Installment contracts

Loans other than credit cards and lines of credit are eligible as long as they were opened before the start of the active duty period.

Request SCRA benefits

Flexstar Financial Solutions must receive your request for SCRA benefits within one year following the call to active duty.

This channel is available to Servicemembers only. If you are not a Servicemember, but would like to request benefits, please use one of our other available channels to submit your request.

Mail or Fax

If you’d prefer sending a paper request, you can fax your SCRA Benefits Request Form to 1-866-516-4023, or mail your request to the address listed below. Please be sure to include military orders or a letter from your commanding office on military letterhead that shows your active duty period(s).

Flexstar Financial Solutions
Attn: SCRA Request
P.O. Box 30285
Salt Lake City, UT 84130-0285

Visit a Branch

Requests can also be submitted at any Flexstar Financial Solutions Bank branch. The branch will forward your request for processing.

Processing your request

  • Within 30 days, you will receive a response from Flexstar Financial Solutions regarding the status of your request.
  • In addition to reviewing any military orders provided, Flexstar Financial Solutions will check the Defense Manpower Data Center (DMDC) website to determine eligibility. If we are unable to verify eligibility we will send you a written request to obtain a copy of acceptable military documents.

Military resources

Military OneSource: A Department of Defense-funded program with program information about policies, articles, tips and resources for military life.

SaveAndInvest.org: A free resource offered by FINRA to help stabilize and strengthen your financial health.

DoD Deployment Guide: A Department of Defense resource to help Servicemembers prepare for their deployment, serve as a resource during deployment, and help navigate the challenges of their return.

DMDC: Managed by the Department of Defense, the Defense Manpower Data Center (DMDC) is a public database that provides active duty status information.

Flexstar Financial Solutions Online & Mobile Privacy Statement

Flexstar Financial Solutions is committed to your privacy.  Our goal is to maintain your trust and confidence when handling personal and financial information about you.

This U.S. Online & Mobile Privacy Practices Statement (“Statement”) describes Flexstar Financial Solutions’ online and mobile privacy practices and applies to anyone who visits our websites or Flexstar Financial Solutions-branded social media sites or pages, or uses our mobile applications. Information that you provide to Flexstar Financial Solutions when you apply for or obtain a product or service from us to be used primarily for personal, family or household purposes is also governed by a separate notice entitled “Flexstar Financial Solutions

Information that you provide to Flexstar Financial Solutions when you apply for or obtain a product or service from us to be used primarily for personal, family or household purposes is also governed by a separate notice entitled “Flexstar Financial Solutions Opt Out and Privacy Notice.”  If you are such an applicant or customer, please refer to that notice for additional information about our privacy practices.

By using this website or our mobile applications, you agree to the terms and conditions of this Statement.

FLEXSTAR FINANCIAL SOLUTIONS – Information We Collect

When you use our website or our mobile applications, we may collect data from you that generally fall into one of two categories:

Personal Information” – Personally identifiable information you provide to us such as your name, mailing address, email address, telephone or wireless phone number, social security number (used for identification purposes), or other information that identifies you.

Online/Mobile Activity Data” – Data such as your IP address, your browser type and language, and your display/screen settings; data about how you use our website and how you interact with our website and mobile advertisements; data about your mobile device; advertising identifiers; geolocation data; social media preferences and other social media data; and other data that may be aggregated and/or de-identified (information that doesn’t identify individual consumers/customers).

How We Collect Information

When You Use or Visit Our Website

Flexstar Financial Solutions may collect information about you when you browse our website or use our online services. We may collect Personal Information when you voluntarily provide it to us through forms on our website or in our mobile applications, such as survey forms, installment contracts or credit applications, contest entries, and login pages for online accounts or mobile application access.
Flexstar Financial Solutions may also use cookies and other online tracking devices such as pixel tags and clear GIFs (also known as web beacons) to collect Online/Mobile Activity Data from you depending on your browser settings. Cookies are small text files that a website’s server places on your computer.  Cookies provide a means for websites that you visit to track browsing activities conducted with your computer.  A Web beacon is a small string of software code that represents a graphic image on a website or email.

Flexstar Financial Solutions may also partner with certain third parties to deliver advertisements and monitor activities on our own website and other websites.   Our partners may use cookies, web beacons, and/or other monitoring technologies to compile statistics about website visitors.

When You Use Our Mobile Apps

Additionally, Flexstar Financial Solutions may collect Online/Mobile Activity Data when you access our mobile applications or use the browser on your mobile device to access our website.  For example, if you have enabled location services on your mobile device, we may collect geolocation data from your device.

When You Use Our Social Media Pages

Flexstar Financial Solutions has official pages on social media websites such as Facebook®, Google+ and Twitter®, that enable consumers and customers to discuss their experiences with Flexstar Financial Solutions’ products and services.  We may also partner with companies that operate social media websites through which you may engage with Flexstar Financial Solutions.  When you interact with us on social media websites we may collect information such as your likes, interests, feedback and preferences. When you interact with our partners, you are subject to their terms of use and privacy policies.  We may collect information from our social media partners, but only if you choose to share with them and they, in turn, share such information with us.  Never include sensitive personal, financial or other confidential information such as your Social Security number, account number, phone number, mailing address or email address when posting or commenting online. Any posts you make on our official social media pages — including posts that contain pictures, comments, suggestions, opinions, complaints or Personal Information — are available to others who use those pages and are subject to the terms of use and privacy policies of the companies that operate the websites on which they appear. Please refer to the policies of those companies to better understand your rights and obligations with regard to such posts.  You are also subject to this Statement and our social media guidelines when you visit our official social media pages.

How We Use Information

We may use Personal Information and Online/Mobile Activity Data we have collected for a variety of reasons.  For example, we may use this type of data:

  • to enable you to apply for and open Flexstar Financial Solutions products or services
  • to enable you to use online tools or perform certain online transactions
  • to service and manage your accounts including responding or updating you on inquiries or to contact you about your accounts
  • to offer you special products and services and deliver advertisements to you in the form of banner ads, splash ads (ads that appear as you sign on or sign off of your online accounts) or promotions based on your location
  • to verify your identity and/or location to allow access to your accounts, conduct online transactions and assist us in taking data security precautions and to engage in fraud prevention/detection
  • for business purposes, including data analysis, to improve, personalize, optimize your website browsing and mobile application experiences by examining which parts of our website you visit or which aspect of our mobile applications you find most useful, and to improve existing or develop new products and services
  • to comply with federal, state or local laws; civil, criminal or regulatory investigations; or other legal requirements
  • to share with companies within the Flexstar Financial Solutions family, and with trusted third parties who are contractually obligated to keep such information confidential and to use it only to provide the services we have asked them to perform (For a description of how Flexstar Financial Solutions may share information collected from consumers who have applied for or obtained a consumer product or service from us, please refer to the Flexstar Financial Solutions Privacy and Opt-Out Notice).

Social Security Number Protections

Flexstar Financial Solutions protects your Social Security Number.  Our policies and procedures:

  1. Protect the confidentiality of Social Security numbers;
  2. Prohibit the unlawful disclosure of Social Security numbers; and
  3. Limit access to Social Security numbers to employees or others with legitimate business purposes.

These safeguards apply to all Social Security numbers collected through any channel or retained in any way by Flexstar Financial Solutions in connection with customer, employee or other relationships. Individuals applying for or obtaining a product or service from us to be used primarily for personal, family or household purposes may obtain more information by reviewing Flexstar Financial Solutions’ Privacy and Opt Out Notice.

Managing Your Online and Mobile Preferences

You provide Personal Information to us on a voluntary basis and are not required to provide it in order to browse our websites.  If you provide us with Personal Information to obtain a consumer product or service from us, our Flexstar Financial Solutions Privacy Policy and Opt Out Notice will govern how we share your Personal Information with our affiliates and third parties and will enable you to opt out of certain types of sharing.

Online Tracking & Advertising on our Sites or Apps

As you access our online services over time, cookies and similar technologies such as web beacons allow us to collect information such as browser type, pages visited, preferences, and your relationship with us.  Flexstar Financial Solutions may customize content and advertisements for our products and services on the websites or mobile apps we own. In order to make the content and advertising as informative and useful as possible, we may use information about your relationship with us (such as types of accounts, transactional information or the state in which you bank).  Currently, for online advertising purposes, our website does not respond to browser “do not track” signals, but these signals may be used for fraud prevention.  However, if you choose, you can set your website browser to inform you when cookies are sent or you may choose not to accept cookies. Your decision not to accept cookies could limit access to some of the services and offers that are available on our website.  For example, your device may not be recognized when you visit our website and, if you are an online banking customer, you may need to answer challenge questions each time you log on.  You also may not receive advertising or other offers from us that may be of interest to you.

Mobile Devices

Some mobile devices come with a non-permanent advertising identifier or ID which gives companies the ability to serve targeted ads to a specific mobile device.  In many cases, you can turn off mobile device ad tracking or you can reset the advertising identifier at any time within your mobile device privacy settings.  You may also choose to turn off location tracking on your mobile device.  By turning off ad tracking or location tracking on your mobile device, you may still see the same number of ads as before, but they may be less relevant because they will not be based on your interests.

Behavioral Advertising on Third Party Sites

Certain Flexstar Financial Solutions partners may use unique cookies to collect Mobile/Online Activity Data on our website or mobile applications to advertise on third party websites Flexstar Financial Solutions products and services that may be of interest to you.  Our partners are subject to their own privacy policies.  You may opt out of receiving behavioral ads from many sites through the Network Advertising Initiative’s (NAI) or other tools provided by the publishing platform.  Opting out relies on information in the unique cookies placed on your web browser by our partners, so if you delete cookies, use a different device, or change web browsers, you may need to opt out again.  Additionally, we may partner with websites like Google and Yahoo to display ads to you based on search terms you use on those websites.  Please review the privacy policies of those websites for instructions on how to limit these ads.

Please note that you may still receive general online advertising from Flexstar Financial Solutions even after you adjust your ad preferences with certain web search engines or opt out of online advertising through AdChoices or the NAI tool.  Such advertising, however, will not be based on Online/Mobile Activity Data or search term information.

Email

If we send you an email advertisement, it will include instructions on how to opt out of receiving such emails in the future.  If you are a customer and you elect to opt out of receiving email advertisements, we may still send you emails about your account relationships with us. If your name was previously selected for any of our upcoming email offers, it is possible for you to receive information from Flexstar Financial Solutions up to 10 business days after your request has been submitted.

If you receive an email that claims to be from us but you are not sure, or if you think it is suspicious, do not click on any of the links in the e-mail then delete it.

Updating Your Information

Keeping your account information up-to-date is very important.  You may review, or update certain account information by logging into your account online.  If you cannot change the incorrect information online, or you prefer to request changes offline, please use the Contact Us option on our site, or call or write to us using the contact information listed on your account statements, records, or other account materials.

Protecting Children’s Online Privacy

Flexstar Financial Solutions encourages protection of children’s information on the internet.  We do not intentionally collect personal information from children under 13 on our website without first obtaining consent from their parents or legal guardians.  For more information about the Children’s Online Privacy Protection Act (COPPA) please refer to the FTC’s website at http://www.business.ftc.gov/privacy-and-security/children%27s-privacy.

Links

Our websites may include links to third-party websites.  These third parties are not subject to this Statement or to the Flexstar Financial Solutions Privacy and Opt Out Notice.  Whenever you visit a third-party website, you should review its privacy notice.

Information Security

At Flexstar Financial Solutions, we make your safety and security a top priority and are committed to protecting your personal and financial information.  If we collect identifying information from you, we will protect that information with controls based upon internationally recognized security standards, regulations, and industry-based best practices.

Flexstar Financial Solutions maintains customer authentication procedures to protect your personal information and account from identity theft.  These procedures are for your protection.  If you suspect a website is pretending to be a Flexstar Financial Solutions website (also known as “spoofing”)  do not enter personal information but instead contact us in a branch or through a phone number you know is associated with your account at Flexstar Financial Solutions, or by emailing flexstarfinancial.com.

Changes to this Statement

This Statement describes Flexstar Financial Solutions’s current online privacy practices.  Flexstar Financial Solutions may change its online privacy practices in the future and we may revise this Statement to reflect material changes.  This Statement was last revised January 2, 2017, and is effective as of that date.