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:

• Social Security Number, assets, liabilities and income information
• Account balances and payment history
• Credit history, credit scores and banking information

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 Consumer Credit of Des Moines chooses to share; and whether you can limit this sharing.

We collect your personal information, for example, when you

• give us your income information or provide account information
• give us your wage statements or provide employment information
• tell us where to send the money

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

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.

Companies related by common ownership or control. They can be financial and nonfinancial companies.

• Consumer Credit of Des Moines has no affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

• Nonaffiliates we share with can include your creditors, credit bureaus, and another charitable organization that performs certain Debt Management Plan services for us

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• Consumer Credit of Des Moines doesn’t jointly market