|FACTS||WHAT DOES LIGHTSTREAM 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:
|How?||All financial companies need to share customers’ information to run their everyday business—to process transactions, maintain customer accounts, and report to credit bureaus. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons LightStream chooses to share; and whether you can limit this sharing.|
|Reason we can share your personal information||Does LightStream share?||Can you limit this sharing?|
|For our everyday business purposes— such as 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||Yes (See below)|
|For joint marketing with other financial companies||No||We don’t share|
|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 (See below)|
|For our affiliates to market to you||Yes||Yes (See below)|
|For nonaffiliates to market to you||No||We don’t share|
|To limit our
If you are a new customer, we can begin sharing information 30 days from the date you receive this notice. When you are no longer our customer, we may continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing and to restrict telemarketing, direct marketing postal mail and email solicitations.
|Who we are|
|Who is providing this notice?||LightStream, and its affiliates.|
|What we do|
|How does LightStream 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 LightStream collect my personal information?||We collect your personal information, for example, when you
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 sharing only for
State laws and individual companies may give you additional rights to limit sharing.
|What happens when I limit sharing for an account I hold jointly with someone else?||Your choices will apply to everyone on your account—unless you tell us otherwise|
|Affiliates||Companies related by common ownership or control. They can be financial and nonfinancial companies. LightStream is a division of SunTrust Bank.
|Nonaffiliates||Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|Joint marketing||A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
|Other important information|
State and Local Regulations:If, in addition to federal law, you are protected by specific state or local rules concerning information sharing and marketing, LightStream will fully comply with these as well.
Use of Third Parties: We have arrangements with companies whose experience is essential for our own services to operate properly. These companies,
Important Notice about Credit Reporting: We may report information about your account(s) to credit bureaus. Late payments, missed payments, or other
Do Not Call Policy. This notice is LightStream’s Do Not Call Policy under the Telephone Consumer Protection Act. LightStream abides by all federal and