California Consumer Privacy Notice
Revised 9/2020
California Residents: On January 1, 2020, the California Consumer Privacy Act of 2018 (CCPA) became
operative. Under the CCPA, covered businesses that collect the personal information of California residents must
provide notice regarding their data collection and sharing practices. In addition, the CCPA provides California
residents the right to make certain requests with respect to their data.
In the following CCPA Disclosure, the words “we,” “us,” and “our” refer to MRV Banks, and the terms “you” and
“your” refer to California residents who are customers of MRV Banks. The specific personal information that we
collect, use, and disclose relating to a California resident covered by the CCPA will vary based on our relationship
or interaction with that individual. For example, this CCPA Disclosure does not apply with respect to personal
information that we collect about California residents in connection with providing our financial products and
services for personal, family, or household purposes (i.e., information subject to the Gramm-Leach-Bliley Act
(GLBA)).
California Privacy Rights
Personal Information We Collect.
We collect the following categories of personal information:
(i) Identifiers such as your name, address, telephone number, Internet Protocol address, email address,
driver’s license number, social security number, employment history, signatures, or other similar
identifies.
(ii) Certain personal characteristics, such as your gender, age, race, color, national origin and marital
status.
(iii) Internet activity information, such as your browsing history, search history, or your interactions with
our website or the Grow Credit mobile application.
(iv) Geolocation data.
(v) Professional or employment-related information.
We collect your personal information using various sources, including your interactions with our website, the
information you provide to apply for a product or service from us, and information obtained from cookies, pixel
Rev 09/2020
tags, web beacons, server logs, or other similar technologies. We collect your personal information to provide the
products or services requested by you, to contact you regarding our products and services, and to otherwise
enhance your experience with us. As disclosed in our Privacy Policy, we may share your personal information 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) and for our marketing purposes to offer our products
and services to you. We may also share information about your transactions and experiences with us with our
affiliates for their everyday business purposes.
Your Right to Make Requests.
California law permits residents of California to request certain details about how their information is collected,
disclosed, and sold to third parties.
Under the CCPA, California residents have the right to:
• Request that a business delete any personal information about the consumer which the business has
collected from the consumer.
• Request that a business that collects personal information about the consumer disclose to the consumer,
free of charge, the following:
o The categories of personal information that it has collected about that consumer.
The categories of sources from which the personal information is collected.
o The business or commercial purpose for collecting or selling personal information.
o The categories of third parties with whom the business shares personal information.
o The specific pieces of personal information it has collected about that consumer.
• Request that a business that sells the consumer’s personal information, or that discloses it for a business
purpose, disclose to the consumer, free of charge, the following:
o The categories of personal information that the business collected about the consumer.
o The categories of personal information that the business sold about the consumer and the
categories of third parties to whom the personal information was sold, by category or categories
of personal information for each third party to whom the personal information was sold.
o The categories of personal information that the business disclosed about the consumer for a
business purpose.
• Direct a business that sells personal information about the consumer to third parties not to sell the
consumer’s personal information.
We do not sell your personal information to third parties or disclose your personal information to third parties for
a business purpose. To exercise any of your other rights above, you may contact us by calling us toll-free at 1-833-
613-1246 or by emailing us at cardservices@mrvbanks.com. We may request up to three pieces of personal
information about you when you make a request to verify your identity. Only you, or an authorized agent acting
on your behalf, may make a verifiable consumer request related to your personal information. To use an
authorized agent to submit a request to us, you must (i) provide the authorized agent signed permission to make
a request on your behalf; (ii) verify your identity with us; and (iii) directly confirm with us that you provided the
authorized agent permission to submit the request.
We will verify your consumer request by comparing the information you provide to us against our records, which
may include requesting that you provide us with your name, address, and phone number.
You have the right not to be discriminated against for your exercise of the privacy rights conferred by the CCPA.
We will not discriminate against a consumer because the consumer exercises any of the consumer’s rights as
described in this CCPA Disclosure. However, we reserve the right to limit these rights where permitted under
applicable law, including where your identity cannot be reasonably verified, to the extent your rights adversely
affect the rights and freedoms of others, or where the CCPA allows us an exemption, such as when we are
required to comply with federal, state, or local laws.
Contact Us.
If you should have any questions or concerns about this CCPA Disclosure or our privacy practices, please contact
us 1-833-613-1246 or by emailing us at cardservices@mrvbanks.com.
