Privacy Policy


Online Privacy Policy

Tilia U.S. Consumer Privacy Notice

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 with the personal information that you provide to us. This U.S. Consumer Privacy Notice applies only to individual U.S. consumers and customers – persons in the United States who use Tilia’s payment and stored value services. Persons located outside of the United States are subject to our online Privacy Policy and not this Privacy Notice.

What?

The types of personal information we collect and share depend on the product or service you utilize from us. This information may can include:

  1. Name, Social Security number, date of birth, postal address, email address, phone number, and any other information that we may use to contact you, verify your identity, or manage fraud and other types of risk;
  2. Payment and transaction information, including financial account information (for instance, credit card and/or debit card account information, and payment provider account information;
  3. Credit history and credit information that may be provided by identify verification sources to help complete our identification process; and,
  4. Username, password, secret questions, secret answers, and other types of authenticating credentials to help verify your identity and the permissible use of our service or product.
  5. The types of personal information we collect and share depend on the product or service you utilize from us. This information may can include:

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 Tilia chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Tilia 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

No

We do not share information for such purpose

For joint marketing with other financial companies—

No

We do not share information for such purpose

For our affiliates' everday business purposes—
information about your transactions and experiences

Yes

No

For our affiliates' everday business purposes—
information about your creditworthiness

No

We do not share information for such purpose

For our affiliates to market to you—

No

We do not share information for such purpose

For non-affiliates to market to you—

No

We do not share information for such purpose

Questions?

Call 1.855.979.1500 or go to www.tilia-inc.com.

Who we are

Who is providing this notice?

Tilia Inc.

What we do

How does Tilia protect my personal information?

To protect your personal information from unauthorized access and use, we maintain electronic, physical and procedural controls and safeguards, including but not limited to security measures that comply with applicable federal and state laws. We also require our service providers and business partners to whom we disclose the information to take similar measures.

Although we have implemented reasonable and appropriate safeguards to protect personal information, no security is perfect. We cannot guarantee that communications between you and us, or information stored on our websites or servers, will be completely free from unauthorized access or use. To the fullest extent permitted by law, we disclaim all liability and responsibility for any damages (including but not limited to any and all direct, special, indirect, consequential or punitive loss or other damages of any kind, whether in contract, tort (including negligence) or otherwise, that you may suffer due to any loss, unauthorized access, misuse or alteration of any information we collect.

How does Tilia collect my personal information?

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

  • Request products, services or information from us
  • Register an account with us
  • Participate in public forums or other activities on our sites and applications
  • Respond to customer inquiries or surveys
  • Visit or use our sites and applications or use our applications on third-party sites or platforms, including collection through technology such as cookies
  • Use your credit card, debit card or other payment method

We also collect information about you from others, such as individuals and financial institutions, credit bureaus, affiliates or other companies (such as identity verification services and consumer reporting agencies).

Please keep in mind that when you provide information to us on a third-party site or platform (for example, through our applications), the information you provide may be separately collected by the third-party site or platform. The information we collect is covered by this Privacy Policy and the information that the third-party site or platform collects is subject to the third-party site or platform’s privacy practices. Privacy choices you have made on the third-party site or platform will not apply to our use of the information we have collected directly through our applications.

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 non-affiliates to 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.

  • Linden Research, Inc. (d/b/a Linden Lab)
  • Tilia Branch UK Ltd.

Non-affiliates

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

Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

Other important information

STATE PRIVACY LAWS
We will comply with applicable state privacy laws.

DATA RETENTION
Tilia retains your personal information for as long as it is deemed necessary and relevant by Tilia for Tilia’s operations unless a longer or different retention period is required or permitted by law.

UPDATING, CORRECTING AND DELETING YOUR PERSONAL INFORMATION
If your personal information changes or if you believe it is inaccurate, you may verify, correct or update it by contacting our Privacy Officer through any of the means identified above. If you wish to remove your personal information from the Site, please contact our Privacy Officer in writing using the contact information found above with directions authorizing the removal of your personal information.

OTHER INFORMATION
See our online Privacy Policy to learn more about information collected through our website and how we use and disclose it. That Privacy Policy should be regarded as part of this Privacy Notice.

BUSINESS TRANSITIONS & ASSIGNMENT
Your personal information may be shared with or assigned to third parties in connection with Tilia undergoing a corporate reorganization, or negotiating or undergoing a merger, amalgamation with another entity or a sale of its assets, provided that the personal information so disclosed continues to be used for the purposes permitted by this Privacy Notice by the entity acquiring the personal information. Also, if any bankruptcy or reorganization proceeding is brought by or against Tilia, such personal information may be considered an asset of Tilia and may be sold or transferred to third parties.