1. We collect nonpublic personal information about you from the following sources:
    • Information we receive from you on applications or other forms;
    • Information about your transactions with us, our affiliates, or others; and
    • Information we receive from a consumer reporting agency.
  2. We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.
  3. We may share all the information that we collect, as described above, with our affiliates. By sharing this information, we can better serve your financial needs. If you do not wish for us to share this information with our affiliates you may contact us.
  4. SMS Messaging Privacy Policy
    We value your privacy and are committed to protecting your personal information. This section explains how we handle personal data related to our SMS messaging services.
    When you subscribe to our SMS messaging service, we may collect personal information such as:

    • Your name
    • Your phone number
    • Any other information you provide to us during the opt-in process (e.g., email, address)

    We collect personal information directly from you through:

    • SMS opt-in forms
    • Other communications you initiate with us

    The information collected is used to:

    • Send transactional messages (e.g., loan application updates, notifications)
    • Provide marketing and promotional messages related to our services, subject to your opt-in consent
    • Respond to inquiries or requests you submit via SMS

    We do not share your SMS-related personal information with third parties, except:

    • To service providers who assist us in managing and delivering SMS messages on our behalf (e.g., SMS gateway providers)
    • As required by law or to protect the rights and safety of our company or users

    We use industry-standard security measures to protect the personal information you provide for our SMS services. Your information is stored in secure systems, and we take precautions to prevent unauthorized access or disclosure.

    You have the right to:

    • Opt out of receiving SMS messages at any time by replying "STOP" to any SMS message you receive from us
    • Request corrections, updates, or deletions of the personal information we hold on you
    • Request details on how your information is used or shared

    If you no longer wish to receive SMS messages, you can opt-out by replying "STOP" to any message. Once you do, we will remove your number from our SMS messaging list and cease sending further communications.

  5. We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements:
    • Information we receive from you on applications or other forms, such as your name, address, social security number, assets, and income;
    • Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, and parties to transactions;
    • Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.
  6. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations in order to guard your nonpublic personal information.