A. Information We Collect.
We may collect information from a variety of sources including: information from you on applications or other forms, and communications between you and us, including by writing or telephone; information about your transactions and experiences with us, our affiliates, or others; information received from consumer reporting agencies (e.g., credit bureaus); and information we obtain from other third parties, such as demographic firms.
B. Information We Share With Service Providers Or Joint Marketers.
We may disclose all of the information we collect, as described in paragraph A, to companies (including affiliates) that perform services on our behalf, including those that assist us in preparing and mailing statements and responding to customer inquiries. We may provide that information to others who perform marketing services for us and
to financial institutions that are not affiliates with which we jointly offer financial products or services.
C. Information We Share With Affiliates.
Our affiliates include non-financial companies and financial services providers, such as banks and other lenders. In addition to the information, we share with affiliates that provide services to us, we may share information described in paragraph A among our respective affiliates for other purposes. For example, we may share among our respective affiliates: Information we receive from you and other sources, such as address, telephone number, e-mail address, social security number, and date of birth; and information about your transactions with us, or our affiliates, such as your account balance and payment history. We may share other types of information with our respective affiliates unless you direct us not to. This includes: information from consumer reporting agencies or others that is collected or used to determine eligibility for
credit, insurance, or employment (“Creditworthiness Information”). You have the choice to be excluded from our sharing of Creditworthiness Information with our respective affiliates. See paragraph E for details. We also may disclose information to our respective affiliates as permitted by law.
D. Information We Share With Nonaffiliated Third Parties.
We may disclose information to third parties who are not affiliates. These nonaffiliated third parties include: financial services providers, such as mortgage and insurance companies; non-financial companies, such as direct marketers, retailers and publishers; and others, such as nonprofit organizations.
Information received from applications or other forms, and communications between you and us, including by writing, by telephone, and through the internet, such as address, telephone number, e-mail address, social security number, and date of birth; information about your transactions and experiences with us, our affiliates, or others, such as items credited from retailers and others, your account balance, payment history, and loan usage with us, our affiliates, or others; and personal information from other third parties, such as demographic firms, in connection with marketing programs.
You have the choice to be excluded from our sharing of certain information with these types of third parties. See paragraph F for details. Note: Even if you have chosen to be excluded from information sharing under paragraph F, we may disclose information about you to nonaffiliated third parties that perform services for us or with whom we have joint marketing agreements (as described in paragraph B), or as permitted by law.
E. How To Tell Us Not To Share Creditworthiness Information With Our Respective Affiliates.
If you prefer that we not share Creditworthiness Information with our respective affiliates, you may direct us not to share this information (“opt-out”) by calling or writing as directed in paragraph G. Note: Your direction in this paragraph E covers only the
Creditworthiness Information. In addition, even if you opt-out, we may share information about you with our respective affiliates as permitted by law or to affiliates that perform services for us.
F. How To Tell Us Not To Share Information With Nonaffiliated Third Parties.
If you prefer that we not disclose information about you to nonaffiliated third parties, you may “opt out” and direct us not to make those disclosures. If you wish to opt out of disclosures to nonaffiliated third parties, you may call or write to us as directed in paragraph G.
G. How To Contact Us To Opt Out.
If you wish to opt out of information sharing, as described in paragraphs E or F, you may call us toll-free at (800) 516-7840 or write to us at:
Essential Lending Inc.
P.O. Box 101265
Fort Worth, TX 76185
You must include your Loan number in your communication with us.
H. Sharing between Lender/Creditor and Service providers for this service.
You expressly consent to Lender/Creditor sharing with service providers any information Lender/Creditor may collect, as described in Paragraph A, including for use by service providers or their affiliates in marketing goods or services to you in which they believe you may have an interest.
I. Security And Confidentiality Of Your Information.
We take steps to restrict access to information about you to those employees (or people working on our behalf and under confidentiality agreements) who need to know that information in order to provide products and services to you. We also maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
To protect both you and us, we use services provided by a third party to help decide whether to accept transactions from personal computers, mobile phones, or other devices. The third party service checks whether these devices have been identified with fraudulent or abusive transactions in the past, such as reported instances of identity theft, account takeovers, or malware attacks. For this purpose, a cookie file, flash storage token, or other code file may be placed on your device to identify it in the future when you visit our website or connect with our applications. On connection with our site or service, we will transmit that device identification code to the third party’s server, along with data concerning certain technical attributes of your device such as the model, operating system, and browser version, as well as the IP address, all of which are used to confirm device identification. The third party’s server returns a response recommending that transactions be accepted or denied, according to settings we have selected. If you set your browser or device to reject these cookies or tokens, you may not be able to conclude some transactions through our website or application. If your requested transaction is declined, or if you have questions about our use of a “device reputation” service, please contact Customer Service at (800) 516-7840.
J. Furnishing Negative Information.
We may report information about your Loan to credit bureaus. Late payments, missed payments or other defaults on your Loan may be reflected in your credit report.
K. Changes to This Policy.
We may amend this policy at any time. We will inform you of changes as required by law. This policy replaces any other statements about our information practices.