This California Consumer Privacy Act Disclosure explains how we collect, use, and disclose personal information related to California residents covered by the California Consumer Privacy Act of 2018 (“CCPA”).
This Notice explains how California residents can exercise their rights under the CCPA to request that we: (1) provide certain personal information that we have collected about them during the past 12 months, along with related information described below, or (2) delete certain personal information that we have collected from them.
The CCPA only applies to information about residents of California.
Under the CCPA, “personal information” is information that identifies, relates to, or could reasonably be linked with a particular California resident or household. The CCPA, however does not apply to information subject to the Gramm-Leach-Bliley Act (“GLBA”).
We also must provide in this online disclosure certain details about our collection and handling of categories of personal information. The information that follows shows the types of personal information we may collect about California residents who are subject to the CCPA, the sources from which we collect it, and the ways in which we use and disclose it.Categories and Sources of Personal Information
Categories of Personal Information
Category of Sources from which we collect Personal Information
|How we use your personal information||Examples|
|Managing products and services||
|Manage our everyday operations, including legal compliance and risk related||
In the last 12 months, Physician Bank has not “sold” Personal Information and does not engage in the sale of personal information as contemplated by the CCPA and therefore does not offer an opt-out from the sale of personal information. For purposes of this CCPA Policy, “sold” means the disclosure of Personal Information to a third party for monetary or other valuable consideration.Rights for California Residents
You have the right to request that we disclose the categories of Personal Information Physician Bank has collected about you in the preceding twelve-month period. We must also provide you with a summary of the purposes for which the categories of Personal Information were collected.
You have the right to request that we delete any of your Personal Information or limit the use of Personal Information subject to the various exceptions provided in the CCPA.
You have the right to correct inaccurate personal information, taking into account the nature of the personal information and the purposes of the processing of the personal information.
You have the right to opt-out of selling your personal information to third parties. Physician Bank is not in the business of selling personal information and does not sell any personal information.Responding to Requests
You may submit a verifiable consumer request by: Contacting us by telephone at 1-888-632-2651, Monday through Friday between 8:00 a.m. and 4:30 p.m. CT or emailing us at firstname.lastname@example.org.
In order to protect your information, we can only honor access or deletion requests upon receipt of a verifiable consumer request. Your request must provide information that enables us to verify your identity in order for us to respond. Additionally, you may designate an authorized agent to ask on your behalf. To select an authorized agent to request on your behalf, you must provide a valid power of attorney, the requester’s valid government-issued identification, and the authorized agent’s valid government-issued identification.
You agree to respond to any reasonable requests from us for additional information to enable us to verify your identity in connection with your access or deletion requests.
We cannot process your request if you provide insufficient detail to understand and respond to it. We will respond to a verifiable consumer request within forty-five (45) days of receipt, as allowed by CCPA. If we require more time, we will inform you of the reason and extension period in writing. We do not charge a fee to process or respond to your verifiable consumer request. As stated above, we may deny your request as permitted by law. If we do deny your request, we will provide you with the reason for doing so.Right to Nondiscrimination
We will not discriminate against you because you elect to exercise any of your rights under the CCPA.Changes to this Disclosure
To begin your Personal Loan application, please enter your contact information below. You will then be directed to the BHG website to continue your application. We look forward to serving you soon.