Privacy Notice

Last Update: May 23, 2024

FACTS	WHAT DOES PENNIE MGMT LLC 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 and income Account balances and payment history Credit history and credit score
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 Pennie MGMT LLC chooses to share; and whether you can limit this sharing.

FACTS

WHAT DOES PENNIE MGMT LLC 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 and income
Account balances and payment history
Credit history and credit score

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 Pennie MGMT LLC chooses to share; and whether you can limit this sharing.

REASONS WE CAN SHARE YOUR PERSONAL INFORMATION	Does Pennie 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	YES	NO
For our affiliates’ everyday business purposes — information about your transactions and experiences	YES	NO
For our affiliates’ everyday business purposes — information about your creditworthiness	YES	YES
For our affiliates to market to you	YES	YES
For non-affiliates to market to you	YES	YES

TO LIMIT OUR SHARING	Email: privacy@trypennie.comMail the form at the bottom of this page Please note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
QUESTIONS?	Email privacy@trypennie.com or go to www.trypennie.com

TO LIMIT OUR SHARING

Email: privacy@trypennie.comMail the form at the bottom of this page

Please note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

QUESTIONS?

Email privacy@trypennie.com or go to www.trypennie.com

WHAT WE DO
How does Pennie 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 Pennie collect my personal information?	We collect your personal information, for example, when you: Apply for one of our programs or give us your contact information Provide or allow us access to your income and employment information, or give us your employment history Provide or allow us access to your account information We also collect your personal information from others, such as credit bureaus, affiliates, 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 non-affiliates to market to you
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.

DEFINITIONS
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. Pennie MGMT LLC is affiliated with ReserveMyLoan LLC and this privacy policy applies to all programs, products or services offered by the companies.
Non-Affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. Non-affiliates we share with can include service providers and direct marketing companies.
Joint Marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. Non-affiliates we may jointly market with include financial institutions, service providers and direct marketing companies 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 non-financial companies.

Pennie MGMT LLC is affiliated with ReserveMyLoan LLC and this privacy policy applies to all programs, products or services offered by the companies.

Non-Affiliates

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

Non-affiliates we share with can include service providers and direct marketing companies.

Joint Marketing

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

Non-affiliates we may jointly market with include financial institutions, service providers and direct marketing companies

State laws and individual companies may give you additional rights to limit sharing.

See below for more on your rights under state law.

OTHER IMPORTANT INFORMATION
State laws may also provide you with specific privacy protections. Please note those individual circumstances below that may apply to you. We will comply with applicable state laws with respect to our use of your information. So long as we are providing you with services under your Agreement with Pennie Mgmt LLC, we will provide the Privacy Policy to you at least annually.California Residents: We will not share your personal information with non-affiliated third parties for their marketing purposes without your affirmative consent. Except as permitted by law, we will not share your personal information with our affiliates or joint marketing partners without first giving you additional privacy choices.Nevada Residents: If you prefer not to receive marketing calls from us, you may be placed on our Do Not Call List by calling (800) 282-7186. This notice is provided pursuant to Nevada law. You can obtain further information by contacting the Nevada Attorney General’s Office at 100 North Carson Street, Carson City NV 89701, (775) 684-1100, or aginfo@ag.nv.gov. Montana Residents: We will not disclose your name or any personal information to anyone other than your own creditors or our agents, affiliates, or contractors.

OTHER IMPORTANT INFORMATION

State laws may also provide you with specific privacy protections. Please note those individual circumstances below that may apply to you. We will comply with applicable state laws with respect to our use of your information. So long as we are providing you with services under your Agreement with Pennie Mgmt LLC, we will provide the Privacy Policy to you at least annually.California Residents: We will not share your personal information with non-affiliated third parties for their marketing purposes without your affirmative consent. Except as permitted by law, we will not share your personal information with our affiliates or joint marketing partners without first giving you additional privacy choices.Nevada Residents: If you prefer not to receive marketing calls from us, you may be placed on our Do Not Call List by calling (800) 282-7186. This notice is provided pursuant to Nevada law. You can obtain further information by contacting the Nevada Attorney General’s Office at 100 North Carson Street, Carson City NV 89701, (775) 684-1100, or aginfo@ag.nv.gov.

Montana Residents: We will not disclose your name or any personal information to anyone other than your own creditors or our agents, affiliates, or contractors.