Account Opening Privacy Notice
Last updated: January 6, 2026
FACTS - WHAT DOES THIRD NATIONAL ("ISSUER") DO WITH YOUR PERSONAL INFORMATION?
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 date of birth
- Account balances and payment history
- Credit history and credit scores
When you are no longer our customer, we continue to share your information as described in this notice.
| Reasons we can share your personal information | Does Issuer 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 | NO | WE DON'T SHARE |
| For our affiliates to market to you | NO | WE DON'T SHARE |
| For nonaffiliates to market to you | NO | WE DON'T SHARE |
Questions? Message us via WhatsApp at +55 85 8857-5857, email ajuda@ruvo.com, or go to ruvo.com/help
We collect your personal information, for example, when you
- open an account or perform transactions
- pay your bills or reload funds
- use your card
We may also collect your personal information from others, such as credit bureaus, affiliates, and other companies.
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.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Issuer does share with our affiliates.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Issuer does not share with nonaffiliates so they can market to you.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Issuer may partner with certain non-affiliated financial companies to offer financial products and services to you.
California and Vermont: In accordance with state law, we will not share your personal information with nonaffiliates except as permitted by law, including for example, for our own marketing purposes, for everyday business purposes, such as servicing your account, or with your consent.
Nevada: You are being provided this notice pursuant to Nevada law. You may be placed on our internal Do Not Call List by following the directions in the To Limit our Sharing section above. Nevada law requires that we provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Ave., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132; email: agInfo@ag.nv.gov
North Dakota: In accordance with North Dakota 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, to service your account. Residents of North Dakota are opted out from nonaffiliate marketing by default. We will limit sharing among our companies to the extent required by North Dakota law.