Updated October 2022
What does Arbor Knot 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 credit card or other debt
- Account balances and payment 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 Arbor Knot chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does Arbor Knot share? | Can you limit this 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 fi nancial companies | Yes | No |
| For our affiliates’ everyday business purposes— information about your transactions and experiences | Yes | No |
| For our affiliates’ everyday business purposes— information about your creditworthiness | Yes | Yes |
| For our affiliates to market to you | Yes | Yes |
| For nonaffiliates to market to you | Yes | Yes |
To limit our sharing
- Visit us online: www.arborknot.com
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. However, you can contact us at any time to limit our sharing.
Questions?
Go to www.arborknot.com
Who we are
Who is providing this notice?
ArborKnot Inc and AKCP LLC
What we do
How does Arbor Knot 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 fi les and buildings.
How does Arbor Knot collect my personal information?
We collect your personal information, for example, when you
- Pay your bills or provide account information
- Pay us by check or give us your contact information
- Provide your mortgage information
- 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. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Our affiliates include AKCP LLC; ArborKnot Management Inc; Arbor Knot Inc;AKCS Inc; Arbor Knot Gmbh; AKCP Management Pty Ltd; AKCP Nominees Pty Ltd; AKCP Holdings Pty Ltd; AKCP Investments Pty Ltd; AKCP Nominees 2 Pty Ltd; LC Lite Management S.à.r.l., and LC Lite Investment Fund SCSp
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfi nancial companies.
- Our nonaffiliates include financial management and other financial service providers
Joint marketing
A formal agreement between nonaffi liated financial companies that together market financial products or services to you.
- Our joint marketing partners include financial management and other financial service providers
Other important information
For California Residents. We will not share information we collect about you with nonaffiliated third parties, except as required or permitted by law, such as to process your transactions, and to maintain your account. We will not share your information with joint marketing partners. We will limit sharing within our corporate family to the extent required by California law.
For Vermont Residents. We will not share information we collect about you with nonaffiliated third parties, except as permitted by Vermont law, such as to process your transactions or to maintain your account. We will not share information about your creditworthiness with our affiliates except with your authorization or as required or permitted by law. We may share information about our transactions or experiences with you within our corporate family without your consent.