WHAT DOES KARRIKIN, INC. D/B/A KARRIKIN TECHNOLOGIES (“KARRIKIN”) DO WITH YOUR PERSONAL INFORMATION?
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.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
Identification Information
Account Balances
Transaction History
Account Transactions
Checking Account Information
WireTransfer Instructions
When you are no longer our customer, we continue to share your information as described in this notice.
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 Metropolitan Commercial Bank chooses to share; and whether you can 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
For our marketing purposes to offer our products and services to you
For joint marketing with other financial companies
For our affiliates' everyday business purposes information about your transactions and experiences
For our affiliates' everyday business purposes information about your creditworthiness
For our affiliates to market to you
For non-affiliates to market to you
How does Karrikin 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 encryption, computer security protocols and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Karrikin collect my personal information?
We collect your personal information, for example, when you
Open an account
Show your driver’s license/identification
Provide account information
Conduct transactions using the account
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 credit worthiness
Affiliates from using your information to market to you
Sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. Karrikin only shares your personal information in connection with providing your services, which is why you cannot limit it.
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies. Karrikin does not share with our affiliates so they can market to you.
Non-affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies. Karrikin does not share with non-affiliates so they can market to you.
Joint Marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you. Karrikin does not share your personal information for joint marketing with non-affiliated companies.
For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with non affiliates either for them to market to you or for joint marketing – without your authorization.
For California Customers. We will not share personal information with non affiliates either for them to market to you or for joint marketing – without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with non affiliates either for them to market to you or for joint marketing – without your authorization.
For Texas Customers. If you have a complaint, first contact the customer service division of BrightFi at 1-888-627-5407. If you still have an unresolved complaint regarding the company’s money transmission activity, please direct your complaint to Texas Department of Banking, 2601 North Lamar Boulevard, Austin, Texas 78705, 1-877-276-5554 (toll free), www.dob.texas.gov.
For Vermont Customers. We will not share personal information with non affiliates either for them to market to you or for joint marketing without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.
