This document describes how Finxera will handle the information you provide when enrolling into the CFTPay service.

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 balance and transaction history
  • Credit history and credit scores
How ? All financial companies need to share customer's personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer's personal information; the reasons Finxera chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Finxera 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
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? Call 1-888-348-4543 or email [email protected]
Who we are
Who is providing this notice? Finxera, Inc. Crossroads Financial Technologies and CFTPay are services of Finxera, Inc.
What we do ?
How does Finxera 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, restricting access to your personal and account information to those employees who need to know that information security and privacy procedures.
How does Finxera collect my personal information? We collect your personal information, for example, when you
  • Open an account or give us your contact information
  • Show identification, pay your bills or provide us account information
  • Tell us who is to receive money
  • 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
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? Your choices will apply to everyone on your account
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Our affiliates may include companies with the names Bank of Internet USA and Bofi Federal Bank.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Nonaffiliates we share which can include mortgage companies, insurance companies, direct marketing companies, and nonprofit organizations.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include credit card and prepaid card companies. 
Other Important Information
Use of the Website: When you use the website, your login information is collected and stored, including your IP address, browser type, domain names, access times, and login information. This information is used for the monitoring, operations, and quality assurance of the services offered on the site. The site may also store “cookies” on your computer hard drive, to help you personalize your online experience.
Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you and can only be read by a web server in the domain that issued the cookie to you.
Online Security: The website uses industry-standard encryption technologies when receiving consumer sensitive data. Our secured server supports 128-bit encryption, depending on the user's web browser.
California Residents:  You may allow our sharing of information with nonaffiliated third parties and limit our sharing of information for joint marketing with other financial companies and for our affiliates' everyday business purposes by following the instructions in the enclosed "Important Privacy Choices for Consumers" notices.
Texas Residents:  If you have a complaint, first contact the customer service support staff of Finxera, Inc. at 1-888-348-4543 (toll free). If you still have an unresolved complaint regarding the company's money transmission or currency exchange activity, please direct your complaint to: Texas Department of Banking, 2601 North Lamar Boulevard, Austin, Texas 78705, 1-877-276-5554 (toll free),
Vermont:  Under Vermont law, we will not share information we collect about Vermont residents with companies outside of our corporate family, unless the law allows. We may share information without your consent, to service your accounts or under joint marketing agreements with other financial institutions with which we have joint marketing agreements. We will not share information about your creditworthiness within our corporate family except with your consent, but we may share information about our transactions or experiences with you within our corporate family without your consent.
Mail-in Form
Leave Blank OR
[If you have a joint account, your choice(s) will apply to everyone on your account unless you mark below.
  • Apply my choices only to me]
Mark any/all you want to limit:
  • Do not share information about my creditworthiness with your affiliates for their everyday business purposes
  • Do not allow your affiliates to use my personal information to market to me.
  • Do not share my personal information with non-affiliates to market their products and services to me.
City, State, Zip
Account #
Mail to:
Finxera, Inc.
Attn: Opt Out
PO Box 940
San Jose, CA 95113