Rev. June 2022
F A C T S
WHAT DOES COIGN 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 income
▪ Account balances and account transactions
▪ Credit history and credit scores
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 Coign chooses to share; and whether you can
limit this sharing.
Reasons we can share your personal information
Does Coign 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 financial companies
No
We don’t share.
For our affiliates’ everyday business purposes –
information about your transactions and experiences
No
We don’t share
For our affiliates’ everyday business purposes –
information about your creditworthiness
No
We don’t share
For our affiliates to market to you
No
We don’t share
For nonaffiliates to market to you
No
We don’t share
Questions?
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Who we are
Who is providing this notice?
Zing America, Inc., doing business as Coign (“Coign”)
What we do
How does Coign 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 Coign collect my
personal information?
We collect your personal information, for example, when you
▪ Open an account or give us your income information
▪ Provide account information or give us your contact information
▪ Pay us by check
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.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and
nonfinancial companies.
▪ Coign has no affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial
and nonfinancial companies.
▪
Coign does not share with nonaffiliates so they can market to you.
Joint Marketing
A formal agreement between nonaffiliated financial companies that together
market financial products or services to you.
▪ Coign does not jointly market.