C&F Finance Company
C&F Finance Company ("Company", “C&F” or "We") respect your privacy and are committed to protecting it through our compliance with this policy.
This policy describes the types of information we may collect from you or that you may provide to us, including when you visit the website https://cffc.com (our "Website"), and our practices for collecting, using, maintaining, protecting, and disclosing that information.
Children Under the Age of 16
Our Website is not intended for children under 16 years of age. No one under age 16 may provide any personal information to or on the Website. We do not knowingly collect personal information from children under 16. If you are under 16, do not use or provide any information on this Website or through any of its features, register on the Website, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 16 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 16, please contact us at (804) 843-2360 or 1-800-296-6246.
Information We Collect
We collect information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer, household, or device ("personal information"). Personal information does not include:
In particular, we may have collected the following categories of personal information from consumers within the last twelve (12) months:
We obtain the categories of personal information listed above from the following sources:
Use of Personal Information
We may use or disclose the personal information we collect for one or more of the following purposes:
We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
Sharing Personal Information
We may, only if necessary, share your personal information by disclosing it to a third party for a business purpose. We only make these business purpose disclosures under written contracts that describe the purposes, require the recipient to keep the personal information confidential, and prohibit using the disclosed information for any purpose except performing the contract. In the preceding twelve (12) months, Company has disclosed personal information for a business purpose to the categories of third parties indicated in the chart below.
We do not sell your personal information to any third party or parties.
Your Rights and Choices
Federal and state law provide consumers with specific rights regarding their personal information. We strive to comply with the strictest available and have crafted this Policy to accomplish this goal. This section describes your rights under our Policy and explains how to exercise those rights.
Right to Know and Data Portability
You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months (the "right to know"). Once we receive your request and confirm your identity (see Exercising Your Rights to Know or Delete below), we will disclose to you:
Right to Delete
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions (the "right to delete"). Once we receive your request and confirm your identity (see Exercising Your Rights to Know or Delete below), we will review your request to see if an exception allowing us to retain the information applies. We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:
We will delete or deidentify personal information not subject to one of these exceptions from our records and will direct our service providers to take similar action.
Exercising Your Rights to Know or Delete
To exercise your rights to know or delete described above, please submit a request by either:
Only you, or someone legally authorized to act on your behalf, may make a request to know or delete related to your personal information.
You may also make a request to know or delete on behalf of your child by calling the toll-free number or emailing the email address listed above.
You may only submit a request to know twice within a 12-month period. Your request to know or delete must:
We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.
You do not need to create an account with us to submit a request to know or delete.
We will only use personal information provided in the request to verify the requestor's identity or authority to make it.
Response Timing and Format
We will confirm receipt of your request within ten (10) business days. If you do not receive confirmation within the 10-day timeframe, please contact us at (804) 843-2360 or 1-800-296-6246.
We endeavor to substantively respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to another 45 days), we will inform you of the reason and extension period in writing.
If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option.
Any disclosures we provide will only cover the 12-month period preceding our receipt of your request. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
The Gramm-Leach-Bliley Act (GLBA) is a federal law protecting the nonpublic personal information of individuals who obtain financial services from financial institutions, like C&F, for personal, family, or household use. It addresses both financial privacy and safeguards to secure information. C&F is committed to complete compliance with GLBA AS applicable.
We have established a program of administrative, technical, and physical safeguards designed to:
We will timely deliver to our customers all privacy notices required by GLBA.
Virginia Residents: We may share collected information with our parent company, C&F Bank, who may also share it with other subsidiaries, for marketing purposes. Pursuant to GLBA, you may be able to opt-out of sharing this information at any time by contacting us through any channel.
Maryland, West Virginia, North Carolina, South Carolina Residents: We may share collected information with our affiliated company, C&F Mortgage, who may utilize it for marketing purposes. Pursuant to GLBA, you may be able to opt-out of sharing this information at any time by contacting us through any channel.
We will not discriminate against you for exercising any of the rights contained in this Policy. Unless permitted by applicable law, we will not:
If you need to access this Policy in an alternative format due to having a disability, please call us at (804) 843-2360 or 1-800-296-6246.