Privacy Notice

What does Online Credit USA do with your personal information?

Here at Online Credit USA we care deeply about the way that we handle borrowers’ personal information. Our privacy notice is outlined below in a straightforward manner for you to read through and understand.

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
  • payment history and employment information
  • account balances and checking account information
How? All financial companies need to share consumers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their consumers’ personal information, the reasons Online Credit USA chooses to share, and whether you can limit this sharing.
Reasons we can share your personal information Does Online Credit USA 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 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
Who we are
Who is providing this notice? Online Credit USA, and each of its affiliates doing business as Online Credit USA.
What we do
How does Online Credit USA protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measure included computer safeguards and secured files and buildings.
How does Online Credit USA protect my personal information? We collect your personal information, for example, when you

  • Apply for a loan or give us your contact information
  • Open an account or give us your income information
  • Provide employment 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 non-affiliates to market to you

State laws and individual companies may give you additional right 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 non financial companies.
Non-affiliates Companies not related by common ownership or control. They can be financial and non financial companies.

  • Non-affiliates we share with can include debit card companies, banks, check cashing service companies, money transfer companies, data research firms and other financial institutions.
Joint marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you.
Other important information
This notice is provided by Online Credit USA.