Notice from The Smartxray, LLC
This Privacy Notice describes how The Smartxray, LLC (“The Smartxray,” “we,” “us,” and “our”) collects, uses, and shares your personal information.
To protect your personal information from unauthorized access and use, The Smartxray, LLC maintains security measures that comply with federal law. These measures include computer safeguards and secured files and facilities. They also include technical, physical, and administrative safeguards designed to protect the confidentiality, integrity, and availability of your personal information.
How does The Smartxray, LLC collect personal information?
We collect personal information, for example, when you:
- Open an account or provide account information
- Use a credit or debit card
- Provide your contact information
We may also collect personal information from third parties, such as service providers and other companies.
Companies choose how they share personal information. Federal law gives consumers the right to limit some, but not all, sharing. Federal law also requires us to explain how we collect, share, and protect your personal information. Please read this notice carefully to understand our practices.
The types of personal information we collect and share depend on the product or service you have with us. This information may include:
- Payment card information, such as the issuing bank
- Information about connected accounts, such as balances and transactions
- Transaction information related to Smartxray services
When you are no longer our customer, we continue to share your information as described in this notice.
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 to market to you
State laws and individual companies may provide additional rights to limit sharing. See below for more information about your rights under state law.
All companies need to share customers’ personal information to conduct their everyday business. The section below explains the reasons companies may share personal information, whether The Smartxray, LLC shares it, and whether you can limit such sharing.
| Reasons The Smartxray, LLC can share your personal information | Does The Smartxray Share? | Can You Limit This Sharing? |
| For everyday business purposes — such as processing transactions, maintaining accounts, responding to court orders and legal investigations, or reporting to credit bureaus | Yes | No |
| For marketing purposes — to offer our products and services | Yes | No |
| For joint marketing with other companies | No | We do not share |
| For affiliates’ everyday business purposes — information about transactions and experiences | No | We do not share |
| For affiliates’ everyday business purposes — information about creditworthiness | No | We do not share |
| For nonaffiliates to market to you | No | We do not share |
What are Affiliates?
Affiliates are companies related by common ownership or control. They may be financial or nonfinancial companies.
Our affiliates include companies operating under The Smartxray, LLC name and its subsidiaries.
What are Nonaffiliates?
Nonaffiliates are companies not related by common ownership or control. They may be financial or nonfinancial companies.
The Smartxray, LLC does not share your personal information with nonaffiliates for marketing purposes.
What is Joint Marketing?
Joint marketing is a formal agreement between nonaffiliated companies that jointly market products or services to you.
The Smartxray, LLC does not participate in joint marketing.
Other Important Information
If you are a California resident, we will share your information with nonaffiliates only as permitted or required by California law.
If you are a Vermont resident, we will not share information about you with affiliated or nonaffiliated third parties except as permitted by Vermont law, such as to process your transactions, maintain your account, or as authorized by you. We will not share information with affiliates without your authorization unless required or permitted by law.
Questions?
Contact us at:
privacynotice@thesmartxray.com
