WHAT DOES LBC DO WITH YOUR PERSONAL INFORMATION
Why?
Companies choose how they share your personal information, whether you send money or cargo, we collect information about you.
What?
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. The types of personal information we collect, and share depend on the product or service you use with us. This information can include, without limitation: A.Customer/Sender Information – Customer name, physical address, date of birth, e-mail address, telephone number, as well as sensitive information such ID, SSN information, credit card and/or bank account number, source of funds, purpose of transactions, and relationship to recipients B.Receiver/Consignee Information – Receiver name, physical address, email address, and phone number, bank account information and Send N Swipe account information C.Transaction Information - Type of Service/Product, Mode of Delivery, Payment mode – cash, check (Bank Information), debit and/or credit card (Debit Card or Credit Card Number), Remittance Amount in Dollars and Pesos and Exchange rate, Packing List information for Cargo products, transaction history and usage D.Customer Service Information includes customer/shipper or receiver/consignee requests to facilitate claims, refunds, and other customer service requests E.Information that sender provides when registering for promotional programs F.Information about sender’s transaction history and patterns, including your transmittal frequency, services used and their recipients G.Information that we obtain to verify sender’s identity from third party identity verification services, electronic database services, and credit reporting agencies< H.Professional or employment-related information in the form of business contact information such as name, company name, physical address and email address and telephone or fax number I.Agent information such as name, company name, physical address and email address and telephone or fax number, SSN and ID numbers, Date of Birth, etc. J.Identifiers such as name, physical address, email address, username, password and other credentials used to access LBC products and services, social media handles, and, when they visit our websites, use our apps or interact with LBC-related tools, widgets or plug-ins, Internet Protocol address unique device identifier K.Internet or other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with LBC websites and mobile apps, and LBC advertisements that we display on LBC websites or mobile apps or on third party sites and apps L.Geolocation data M.Audio information from calls placed with customer service and accounting centers which may be recorded, and electronic information in the form of Internet or other electronic network activity information as described above
Companies choose how they share your personal information, whether you send money or cargo, we collect information about you.
What?
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. The types of personal information we collect, and share depend on the product or service you use with us. This information can include, without limitation: A.Customer/Sender Information – Customer name, physical address, date of birth, e-mail address, telephone number, as well as sensitive information such ID, SSN information, credit card and/or bank account number, source of funds, purpose of transactions, and relationship to recipients B.Receiver/Consignee Information – Receiver name, physical address, email address, and phone number, bank account information and Send N Swipe account information C.Transaction Information - Type of Service/Product, Mode of Delivery, Payment mode – cash, check (Bank Information), debit and/or credit card (Debit Card or Credit Card Number), Remittance Amount in Dollars and Pesos and Exchange rate, Packing List information for Cargo products, transaction history and usage D.Customer Service Information includes customer/shipper or receiver/consignee requests to facilitate claims, refunds, and other customer service requests E.Information that sender provides when registering for promotional programs F.Information about sender’s transaction history and patterns, including your transmittal frequency, services used and their recipients G.Information that we obtain to verify sender’s identity from third party identity verification services, electronic database services, and credit reporting agencies< H.Professional or employment-related information in the form of business contact information such as name, company name, physical address and email address and telephone or fax number I.Agent information such as name, company name, physical address and email address and telephone or fax number, SSN and ID numbers, Date of Birth, etc. J.Identifiers such as name, physical address, email address, username, password and other credentials used to access LBC products and services, social media handles, and, when they visit our websites, use our apps or interact with LBC-related tools, widgets or plug-ins, Internet Protocol address unique device identifier K.Internet or other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with LBC websites and mobile apps, and LBC advertisements that we display on LBC websites or mobile apps or on third party sites and apps L.Geolocation data M.Audio information from calls placed with customer service and accounting centers which may be recorded, and electronic information in the form of Internet or other electronic network activity information as described above
How?
All companies need to share customers’ and consumers’ personal information to run their everyday business.
In the section below, we list the reasons companies can share their customers’ and consumers’ personal information and the reasons LBC USA chooses to share, and whether you can limit this sharing.
All companies need to share customers’ and consumers’ personal information to run their everyday business.
In the section below, we list the reasons companies can share their customers’ and consumers’ personal information and the reasons LBC USA chooses to share, and whether you can limit this sharing.
Reasons we can share your personal information
For our everyday business purposes such as to process your transactions; manage our consumer relationships; provide
requested products and services; maintain your account(s); respond to court orders and legal investigations; report to
credit bureaus; gather information about website and application access, usage and performance; enhance your consumer experience; validate your creditworthiness or
your identity; provide in connection with a merger,
acquisition or sale of the company or any of its assets; make risk decisions; detect and prevent fraud and other illegal activity; or as otherwise permitted or required by law
Does LBC (US & Canada) share? "YES"
Can you limit this sharing? "NO"
For our marketing purposes such as to offer our products and services to you or notify you about future events and promotions.
Does LBC (US & Canada) share? "YES"
Can you limit this sharing? "YES"
For our affiliates’ everyday business purposes such as information about your transactions
Does LBC (US & Canada) share? "YES"
Can you limit this sharing? "NO"
For our affiliates to market to you
Does LBC (US & Canada) share? "YES"
Can you limit this sharing? "YES"
For non-affiliates to market to you
Does LBC (US & Canada) share? "NO"
Can you limit this sharing? "NO"
Does LBC (US & Canada) share? "YES"
Can you limit this sharing? "NO"
For our marketing purposes such as to offer our products and services to you or notify you about future events and promotions.
Does LBC (US & Canada) share? "YES"
Can you limit this sharing? "YES"
For our affiliates’ everyday business purposes such as information about your transactions
Does LBC (US & Canada) share? "YES"
Can you limit this sharing? "NO"
For our affiliates to market to you
Does LBC (US & Canada) share? "YES"
Can you limit this sharing? "YES"
For non-affiliates to market to you
Does LBC (US & Canada) share? "NO"
Can you limit this sharing? "NO"
Right to Opt Out.
A.Call 1-800-766-9554
B.Email [email protected]
C.Mail – LBC, 3563 Investment Blvd Suite 3, Hayward CA, 94545 ATTN: Compliance
D.FAX – 650-239-1999
E.Unsubscribe – www.lbcexpress.com
F.Questions? Call – Call 1-800-766-9554
Who we are
Who is providing this notice?
This notice applies solely to: LBC Mundial Corporation, LBC Mundial Nevada Corporation, LBC Mabuhay Hawaii Corporation, LBC Mabuhay North America Corporation, LBC Mabuhay Saipan Corporation
This notice applies solely to: LBC Mundial Corporation, LBC Mundial Nevada Corporation, LBC Mabuhay Hawaii Corporation, LBC Mabuhay North America Corporation, LBC Mabuhay Saipan Corporation
What we do
How does LBC protect my personal information?
To help 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. We also limit access to personal information only to employees, Agents and representatives that need to know.
How LBC collect my personal information?
We collect your personal information, for example, when you:
A.Send money or cargo B.Use your credit or debit card or pay us by check C.Submit information to us or our Agents on applications, forms, and by other means D.Give us your contact information E.Provide your SSN or government-issued ID such as your driver’s license F.Use or visit our or other online sites or mobile applications G.Enter a promotion, register for email alerts or marketing communications, or join a loyalty program
We also collect your personal information from others such as affiliates or other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only
A.Sharing for affiliates’ everyday business purposes information about your creditworthiness B.Affiliates from using your information to market to you C.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
To help 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. We also limit access to personal information only to employees, Agents and representatives that need to know.
How LBC collect my personal information?
We collect your personal information, for example, when you:
A.Send money or cargo B.Use your credit or debit card or pay us by check C.Submit information to us or our Agents on applications, forms, and by other means D.Give us your contact information E.Provide your SSN or government-issued ID such as your driver’s license F.Use or visit our or other online sites or mobile applications G.Enter a promotion, register for email alerts or marketing communications, or join a loyalty program
We also collect your personal information from others such as affiliates or other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only
A.Sharing for affiliates’ everyday business purposes information about your creditworthiness B.Affiliates from using your information to market to you C.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
What happens when I limit sharing for an account, I hold jointly with someone else
We do not provide individual or joint accounts
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Non-Affiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with can include providers of goods and services; government agencies; and others as permitted or required by law.
We may also disclose information to companies that perform marketing services for us.
Joint Marketing
A formal agreement between nonaffiliated companies that together market products or services to you.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Non-Affiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with can include providers of goods and services; government agencies; and others as permitted or required by law.
We may also disclose information to companies that perform marketing services for us.
Joint Marketing
A formal agreement between nonaffiliated companies that together market products or services to you.
Other Important Information
Do Not Call Policy:
This Privacy Notice constitutes LBC’s Do Not call Policy under the telephone Consumer Protection Act for all consumers. LBC maintains an internal Do Not Call Preference List. Do Not Call Requests will be honored within 30 days and will be effective for at least 5 years from the date of the request. No telemarketing calls will be made to residential or cellular phone numbers that appear on LBC’s Do Not Call List.
NEVADA CONSUMERS:
If you prefer not to receive marketing calls, you may be placed on our internal opt-out list by calling us at 800-766-9554 or contacting, Office of the Nevada Attorney General, 555 E. Washington St., Ste 3900, Las Vegas, NV 89101; telephone 702-486-3132; email: [email protected]
CALIFORNIA CONSUMERS:
In accordance with California law, we will not share information we collect about you with companies outside of our corporate family, except as permitted by law, including, for example, with your consent or to service your account. We will limit sharing among our companies to the extent required by California law. For additional Information: See Your California Privacy Rights
This Privacy Notice constitutes LBC’s Do Not call Policy under the telephone Consumer Protection Act for all consumers. LBC maintains an internal Do Not Call Preference List. Do Not Call Requests will be honored within 30 days and will be effective for at least 5 years from the date of the request. No telemarketing calls will be made to residential or cellular phone numbers that appear on LBC’s Do Not Call List.
NEVADA CONSUMERS:
If you prefer not to receive marketing calls, you may be placed on our internal opt-out list by calling us at 800-766-9554 or contacting, Office of the Nevada Attorney General, 555 E. Washington St., Ste 3900, Las Vegas, NV 89101; telephone 702-486-3132; email: [email protected]
CALIFORNIA CONSUMERS:
In accordance with California law, we will not share information we collect about you with companies outside of our corporate family, except as permitted by law, including, for example, with your consent or to service your account. We will limit sharing among our companies to the extent required by California law. For additional Information: See Your California Privacy Rights
