Privacy Policy

Vermont Residents

We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.

North Dakota Customers

Except as permitted by law, we will not share your personal information with nonaffiliates or affiliates unless you authorize us to.

Collection of Information

We collect non-public 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.
  • Information we receive from a consumer reporting agency.
  • Non-personally identifiable information about you in a number of ways, including tracking your activities through your IP address or most recently visited URL.
  • Personally identifiable information when you voluntarily submit contact information to us, such as name, phone, email address, and mailing address by filling out a form or survey, registering your email address with us, or emailing us.
  • We may also collect personal information from you at other points on our site that state that personal information is being collected.

Information

We use personally identifiable and non-personally identifiable information for internal marketing purposes, trend analysis, pattern detection, and site administration. However, we do not use personally identifiable information collected from the website to send unsolicited mailings to you. If applicable, we use personally identifiable information to perform the services for which such data was collected.

We provide you the opportunity to "opt-out" of having your personally identifiable information used for certain purposes when we ask for this information. If you no longer wish to receive newsletters or promotional communications, you may opt out by clicking the "unsubscribe" link included in the communication, emailing us, or contacting us at (888) 636-1335.

Third-Party Sites

This policy addresses our activities on our servers. Other sites (including those linked within an advertisement, article, or otherwise, and third-party sites or services with which we offer or co-brand) may have their own policies, which we do not control and are not addressed by this policy.

Disclosure of Information

We will not share your personal information with third parties without your explicit consent, except as required by law or necessary to provide services you requested.

Personally Identifiable Data

If you provide us with personally identifiable information for ongoing services, we will provide a way to review and update the information on file. Notify us via post or email, and we will respond within 30 days. If the information is stored in other databases, we cannot ensure corrections or deletions will propagate to all locations. To have your information removed from our records, please contact us with the submitted information.

Text-Based Communications

By providing your contact information, you consent to receive calls, text messages, and emails for informational and promotional purposes. Consent is not a condition of purchasing any products or services. You may opt out by replying "STOP" to any SMS or using the "unsubscribe" link in emails.

Cookies and Tracking Methods

When you view our website, we might store some information on your computer in the form of a "cookie." Cookies help us understand how users interact with our site and allow us to improve its features. You may decline cookies if your browser permits, but some parts of our site may not function properly.

Third-Party Tracking

We use a third-party tracking service, such as Google Analytics, to gather aggregate data on page visits, time spent on pages, and bounce rates, helping us improve the site.

Security

We use industry-standard methods to protect your personally identifiable information from unauthorized access. While no system guarantees perfect security, we strive to safeguard your data.

Legal Disclosure

We reserve the right to disclose your personally identifiable information as required by law or when necessary to protect our rights or comply with legal processes.

Amendments

Amendments to this policy will be posted at this URL and will become effective upon posting.

Changes in Privacy Statement

If we change our privacy policy, we will post updates here, on the homepage, or other appropriate locations to keep you informed about what information we collect, how it is used, and under what circumstances it is disclosed.