XCR Enterprises, Inc. US Privacy Policy

Rev July 3, 2024

FACTS WHAT DOES XCR Enterprises, Inc. 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 or other government-issued identification numbers;
  • Income and employment information;
  • Account balances and transaction history;
  • Payment history and credit history;
  • Other publicly available information
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 XCR Enterprises, Inc. chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does XCR Enterprises, Inc. 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—
such as information about your transactions and experiences		 Yes No
For our affiliates’ everyday business purposes—
such as information about your creditworthiness		 No Yes
For nonaffiliates to market to you No Yes
Questions? Call us at [Company Phone]
Who we are
Who is providing this notice? You are receiving this notice from XCR Enterprises, Inc..
What we do
How does XCR Enterprises, Inc. 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 secured files and buildings.
How does XCR Enterprises, Inc. collect my personal information?

We collect your personal information, for example, when you

  • Provide account information or give us your contact information;
  • Pay your bills;
  • Use your debit card;
  • Give us your income information;
  • Provide employment information

We also collect your personal information from others, such as credit bureaus, prior owners of your account, our affiliates or subsidiaries, government agencies, 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 for nonaffiliates 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.

  • Our affiliates include companies with a First Texas name, such as First Texas Group, Inc. and RGV Business Builders LLC.
Nonaffiliates

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

  • XCR Enterprises, Inc. does not share with nonaffiliates so they can market to you
Joint marketing

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

  • XCR Enterprises, Inc. does jointly market with RGV Business Builders LLC
Other important information

California Residents – In accordance with the California Financial Information Privacy Act, we will not share information we collect about California residents with nonaffiliates except as permitted by law, such as with the consent of the customer or to service the customer’s accounts. We also will limit the sharing of information about you with our affiliates to the extent required by applicable California law.

Vermont Residents – In accordance with Vermont law, we will not share information we collect about Vermont residents with nonaffiliates except as permitted by law, such as with the consent of the customer or to service the customer’s accounts. We will not share creditworthiness information about Vermont residents among XCR Enterprises, Inc.’s affiliates except with the authorization or consent of the Vermont resident.