Privacy Disclosure

Facts

WHAT DOES KARRIKIN, INC. D/B/A KARRIKIN TECHNOLOGIES (“KARRIKIN”) 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:

  • 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.

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 Metropolitan Commercial Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information
Does BrightFi 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

No

We don't share

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 non-affiliates to market to you

No

We don't share

What we do

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.

Definitions

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.

Other Important Information

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.