Privacy Policy

FACTS	WHAT DOES THE LOAN FACTORY DO WITH YOUR PERSONAL INFORMATION?
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, employment and income information Bank account information and transaction history Consumer reporting agency information and payment history
How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons The Loan Factory chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does The Loan Factory 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 consumer reporting agencies 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 our nonaffiliates to market to you Yes Yes
To limit our sharing	Call us toll-free at 1-855-228-5626, and request an Opt-Out Form or Visit one of our stores to receive the form. Please note: If you are a new customer, we can begin sharing your information 30 days from the date we provided 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 1-855-228-5626
Who we are
Who is providing this notice?	The Loan Factory
What we do
How does The Loan Factory 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 buildings.
How does The Loan Factory collect my personal information?	We collect your personal information, for example when you: Apply for a loan Use our website Give us your income information Provide employment information Give us your contact information We also collect your personal information from others, such as consumer reporting agencies, 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 nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with can include consumer lenders, direct marketing companies, consumer reporting agencies, debit card issuers and others.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Log Files

As with most other websites, we collect and use the data contained in log files. The information in the log files include your IP (internet protocol) address, your ISP (internet service provider, such as AOL or Shaw Cable), the browser you used to visit our site (such as Internet Explorer or Firefox), the time you visited our site and which pages you visited throughout our site.

Cookies and Web Beacons

We do not use cookies to store information, such as your personal preferences when you visit our site. However, we do use third-party utilities, such as Google Analytics, which may store cookies when you visit the pages in our site. We use this information for statistical purposes only, and your personal information is not stored within these cookies.

We reserve the right to use third-party advertisements and affiliates to support our site. Some of these advertisers and affiliates may use technology such as cookies and web beacons when they advertise on our site, which will also send these advertisers and affiliates (such as Google through the Google AdSense program) information including your IP address, your ISP , the browser you used to visit our site, and in some cases, whether you have Flash installed. This is generally used for geotargeting purposes (showing New York real estate ads to someone in New York, for example) or showing certain ads based on specific sites visited (such as showing cooking ads to someone who frequents cooking sites).

DoubleClick DART cookies

We also may use DART cookies for ad serving through Google’s DoubleClick, which places a cookie on your computer when you are browsing the web and visit a site using DoubleClick advertising (including some Google AdSense advertisements). This cookie is used to serve ads specific to you and your interests (”interest based targeting”). The ads served will be targeted based on your previous browsing history (For example, if you have been viewing sites about visiting Las Vegas, you may see Las Vegas hotel advertisements when viewing a non-related site, such as on a site about hockey). DART uses “non personally identifiable information”. It does NOT track personal information about you, such as your name, email address, physical address, telephone number, social security numbers, bank account numbers or credit card numbers. You can opt-out of this ad serving on all sites using this advertising by visiting http://www.doubleclick.com/privacy/dart_adserving.aspx.

You can choose to disable or selectively turn off our cookies or third-party cookies in your browser settings, or by managing preferences in programs such as Norton Internet Security. However, this can affect how you are able to interact with our site as well as other websites. This could include the inability to login to services or programs, such as logging into forums or accounts.

Deleting cookies does not mean you are permanently opted out of any advertising program. Unless you have settings that disallow cookies, the next time you visit a site running the advertisements, a new cookie will be added.

Changes to this Policy

We reserve the right to make changes to our privacy policy in the future. Any changes to this policy will be published on this page as they are implemented.

Privacy Policies of Other Websites

This website links out to other sites on the Internet. We have no control over the privacy practices or lack thereof on sites we link to. If you have concerns, you should check the privacy policies of those sites before providing any personal contact information.