Financial Privacy Notice

Last updated: September 2021

Privacy Notice

What Does Curve 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 payment history  

■ 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 we choose to share; and  whether you can limit this sharing.

Reasons we can share your personal information that we DO share and you CANNOT 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

Reasons we can share your personal information that we DO share and you CAN limit this sharing -

  • For our affiliates to market to you 

  • For nonaffiliates to market to you 

To limit our sharing

Email us at support@curve.com

Please note:  

If you are a new customer, we can begin sharing your information the same day that we send this notice. When you are no longer our customer, we continue to  share your information as described in this notice.  

However, you can contact us at any time to limit our sharing.

Questions?            

Contact us at support@curve.com or go to Curve.com

Who is providing this notice? 

Curve US, Inc., and Hatch Bank

What we do

How does Curve protect my personal  information?

To protect your personal information from unauthorized access and use, we use security measures include computer safeguards and secured files and buildings.

How does Curve collect my personal  information?

We collect your personal information, for example, when you:    

  • Applying for an account or apply for a loan  

  • show us your driver’s license or government-issued ID or other form of KYC

  • give us income information, wage statements, or bank account data  

  • Contact us 

We also collect your personal information from 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 with nonaffiliates who market to you  

State laws and individual companies may give you additional  rights to limit sharing. See below for more on your rights  under state law.

Definitions

Affiliates -  

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

We share information with Curve OS Ltd, under a formal agreement to provide operational support for Curve USA Inc.’s  products issued by Hatch Bank

Nonaffiliates -

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

Non-affiliates we share with can include companies such as retailers and membership clubs 


Other Important Information

State Laws  

CA: We will not share personal information with nonaffiliates 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 California privacy law.

VT: We will not share your information with companies outside of Curve, except as permitted by law or as authorized by you. We will not disclose credit information about you with our affiliates except with your consent or as required or permitted by law.


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