Privacy policy

WHAT DOES Lightning Logistics 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 Payment History

·        Account Balances and Transaction History

·        Credit History and Overdraft History

When you are no longer a 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 Lightning Logistics chooses to share, and whether you can limit this sharing.

Reasons we can share your personal information	Does Lightning Logistics 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	Yes	No
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 nonaffiliates to market to you	No	We don’t share

Questions?
Call (855) 854-4486 or email Info@lightningmore.com

Who We Are

Who is providing this notice?
Lightning Logistics

What we do

How does Lightning Logistics 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 computer safeguards and secure files and buildings.

How does Lightning Logistics collect my personal information?
We collect your personal information, for example, when you:

·        Open an account or use your credit or debit card

·        Pay your bills or apply for a loan

·        Make deposits or withdrawals from your account

We also collect your personal information from 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 for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions

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

Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with can include marketing service providers.

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

Other Important Information

Special Notices for Residents of Certain States

Texas Residents: Lightning Logistics is subject to regulatory oversight by the Department of Savings and Mortgage Lending. Any consumer wishing to file a complaint should contact:

·        In person or by mail: 1572 HWY 85 N., Fayetteville, GA 30180

·        Phone: (855) 854-4486

·        Email: Info@lightningmore.com

Nevada Residents: You have the right to opt out of telemarketing calls. Contact us at the phone, email, or address above to add your name to our do-not-call list.

California Residents:
This notice complies with the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA). You have the right to request access, deletion, or portability of your personal information. For details, see the “Your Rights and Choices” section below.

Credit Reporting Note

On-time payments will be added to your credit report. A missed payment 30 days late will also be reported to your credit report.

Privacy Statement – California

We collect personal information that identifies, relates to, describes, references, or could reasonably be linked with you. This may include:

·        Identifiers (name, postal address, email, Social Security number, etc.)

·        Financial and commercial information (account balances, payment history)

·        Professional or employment-related information

We may use your personal information to:

·        Fulfill the reason you provide it (e.g., evaluate a credit application)

·        Provide requested products or services

·        Send email alerts, notices, or promotional material

·        Carry out contractual obligations, billing, or collections

·        Improve our website or services

·        Conduct research or product development

·        Comply with law enforcement requests

Sharing Personal Information
We do not sell personal information. We may share personal information with service providers, partners, or as legally required.

Your Rights and Choices

California residents can request:

·        Access to the categories of personal information collected

·        Deletion of personal information, subject to certain exceptions

·        Data portability in a readily usable format

To exercise these rights, contact us at:

·        Phone: (855) 854-4486

·        Email: Info@lightningmore.com

·        Address: 1572 HWY 85 N., Fayetteville, GA 30180

We do not discriminate for exercising these rights.

Changes to Our Privacy Notice

Lightning Logistics may amend this notice at any time. Changes will be communicated via email or website notice.