Funding Instruments - California Disclosures and Privacy Policy

The California Consumer Privacy Act of 2018(“CCPA”) provides consumers (California residents) with specific rightsregarding their personal information. If you are a California resident, thissection describes your CCPA rights and explains how to exercise those rights.
These California Disclosure and Privacy Policy supplements the informationcontained in the Online Privacy Policy Notice of Funding Instruments Inc., “FI,”“we,” “us,” or “our”) and applies solely to visitors, users, and others whoreside in the State of California (“consumers” or “you”). We adopt theseCalifornia Disclosures and Privacy Policy to comply with the CaliforniaConsumer Privacy Act of 2018 (“CCPA”) and other California laws. Any termsdefined in the CCPA have the same meaning when used in these CaliforniaDisclosures and Privacy Policy.


We collect information that identifies, relates to,describes, references, is capable of being associated with, or could reasonablybe linked, directly or indirectly, with an individual consumer, device, orhousehold (“personal information”). Personal information does not include, amongstother things, 1) publicly available information from government records, 2)deidentified data, 3) aggregated data, 4) information covered by certainsector-specific privacy laws, including the Fair Credit Reporting Act (“FCRA”),the Gramm-Leach-Bliley Act (“GLBA”) or California Financial Information PrivacyAct (“CalFIPA”), and the Driver’s Privacy Protection Act of 1994 (“DPPA”).

A. Categories of Personal Information We Collect

In the last 12 months, we collected the followingcategories of personal information:

B. How We Obtain Your PersonalInformation
Directly from you.
You enter or provide us with information online, by email, by phone,  by completing forms, by document upload, or via our mobile app.
 For example, when you signup online to pay your bill.
Directly and indirectly from you based on activity on our website or  mobile app.
For example, from submissions through our website or website usage  details collected automatically.
From service providers or third parties that interact with us in  connection with the products and services we provide.
For example, car dealerships, credit reporting agencies, GPS devices,  or other vendors that provide data we use in underwriting or in protecting  you and our products from fraud and identity theft.
C. How We Use Your PersonalInformation

We may use or disclose the personal information wecollect for one or more of the following purposes:

We will not collect additional categories ofpersonal information or use the personal information we collected formaterially different, unrelated, or incompatible purposes without providing younotice

D. Who We Share Your PersonalInformation With

We may disclose your personal information to aservice provider or third party. When we disclose personal information to aservice provider, we enter a contract that describes the purpose and requiresthe service provider to both keep that personal information confidential andnot use it for any purpose except performing the contract or as otherwiseallowed under the CCPA. Examples of who we share with include:

E. Sale of Personal Information

We do not sell your personal information. We do notsell the personal information of minors under 16 years of age withoutaffirmative authorization.


The CCPA provides California residents with specific rights regarding their ‎personal information – the Right to Know, the Right to Delete, the Right to ‎Opt-Out, and the Right to Non-Discrimination. This section describes your ‎CCPA rights and explains how to exercise those rights.‎

A. Right to Know

You have the right to request that we disclosecertain information to you about our collection, use, and disclosures of yourpersonal information over the past 12 months (“Right to Know”). Once we receiveand verify your request, we will disclose to you:

We may deny your Request to Know if we are unableto verify your identity or have reason to believe that the request isfraudulent. We may also deny your request if the information is subject to anexemption under FCRA, GLBA, FIPA, or DPPA.

B. Right to Delete

You have the right to request that we delete any of your personal ‎information that we collected and retained, subject to certain exceptions ‎‎(“Right to Delete”). Once we receive and verify your request, we will delete, ‎de-identify, or aggregate your personal information (and direct our service ‎providers to do the same), unless an exception applies.

‎We may deny your Request to Delete if retaining the personal information ‎is necessary for us or our service providers to:‎

Additionally, we may deny your Request to Delete if we are unable to ‎verify your identity or have reason to believe that the request is fraudulent.‎

C. Right to Opt-Out

The CCPA gives consumers the right to opt-out of the sale of their ‎personal information (“Right to Opt-Out”). However, we do not sell your ‎personal information. We do not sell the personal information of minors ‎under 16 years of age without affirmative authorization.‎

D. Right to Non-Discrimination

We will not discriminate against you for exercisingany of your CCPA rights. Unless permitted by the CCPA, we will not:

Suggest that you may receive a different price or rate for goods or ‎services or a different level or quality of goods or services.‎


A. How to Submit a Request

To make a Request to Know or Request to Delete,please contact us by:

Only 1) you, 2) a person authorized by you to act on your behalf, or 3) an ‎entity registered with the California Secretary of State and authorized by ‎you to act on your behalf, may make a verifiable consumer request related ‎to your personal information. You may also make a request on behalf of ‎your minor child.‎

You may only make a Request to Know twice within a 12-month period.‎

A Request to Know or Request to Delete must:‎

B. Authorized Agents

Before we can respond to a Request to Know or Request to Delete ‎submitted by an authorized agent, we need to verify not only that person ‎or entity’s authority to act on your behalf but also verify the identity of the ‎authorized agent.‎If you are authorized to submit a request on behalf of a California resident, ‎please email us at: and provide the ‎following information:‎

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. We will only ‎use personal information provided in a request to verify the requestor’s ‎identity or authority to make the request.‎

C. Response Timing and DeliveryMethod

We will acknowledge receipt of the request within10 days of its receipt. We will respond to a request within 45 days of itsreceipt. If we require more time (up to 90 days), we will inform you of thereason and extension period in writing. We will deliver our written response bymail or electronically, at your option. The response we provide will alsoexplain the reasons we cannot comply with a request, if applicable.

We do not charge a fee to process or respond toyour request unless it is excessive, repetitive, or manifestly unfounded. If wedetermine that the request warrants a fee, we will tell you why we made thatdecision and provide you with a cost estimate before completing your request.


Our site does not respond to Do Not Track signals configured in your web ‎browser.‎


We encourage you to review your privacy options and settings with the ‎social media platforms and networks you use to understand what choices ‎you have about sharing information from those platforms and networks ‎with us.‎


We reserve the right to amend these California Disclosures and Privacy ‎Policy at our discretion and at any time. When we make material changes ‎to this privacy policy, we will notify you by email or through a notice on our ‎website homepage.‎


If you have any questions or comments about thispolicy, the ways in which we collect and use your personal information, yourrights regarding such use, or wish to exercise your rights under Californialaw, please do not hesitate to contact us at:

Funding Instruments Inc
1007 N. Orange ST
10th Floor
Wilmington, DE 19801