Privacy Policy

1. Introduction

WithU Loans ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information when you visit our website or use our lending services.

WithU Loans is owned by the Otoe-Missouria Tribe of Indians, a federally recognized sovereign Indian nation. As a tribal entity, we operate under tribal law and applicable federal regulations. This Privacy Policy complies with the Gramm-Leach-Bliley Act (GLBA) and other applicable federal privacy laws.

Scope: This policy applies to all information collected through our website (withuloansapply.com), mobile applications, email, telephone, and other electronic communications.

2. Information We Collect

We collect several types of information to provide and improve our services:

2.1 Personal Information You Provide

When you apply for a loan or use our services, you provide us with personal information, including:

• Identity Information: Full name, date of birth, Social Security Number, driver's license or state ID number
• Contact Information: Email address, phone number, mailing address
• Financial Information: Bank account details, routing numbers, income information, employment details, credit history
• Authentication Information: Usernames, passwords, security questions and answers
• Communication Records: Records of your communications with us, including emails, chats, and phone calls

2.2 Information Automatically Collected

When you visit our website, we automatically collect certain information:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Data: Pages visited, time spent on pages, links clicked, referring website
• Location Data: General geographic location based on IP address
• Cookies and Tracking Data: Information collected through cookies, web beacons, and similar technologies

2.3 Information from Third Parties

We may receive information about you from third-party sources, including:

• Credit Bureaus: Credit reports and credit scores
• Fraud Prevention Services: Identity verification and fraud detection data
• Public Records: Information from public databases and government agencies
• Marketing Partners: Information from our marketing and advertising partners

3. How We Use Your Information

We use your personal information for the following purposes:

3.1 To Provide Our Services

• Process your loan application and make lending decisions
• Verify your identity and prevent fraud
• Service your loan and manage your account
• Process payments and collect amounts owed
• Communicate with you about your loan and account

3.2 To Improve and Develop Our Services

• Analyze website usage and user behavior
• Develop new products and services
• Improve our website functionality and user experience
• Conduct research and analytics

3.3 For Marketing and Communications

• Send promotional emails and offers (with your consent)
• Provide customer support and respond to inquiries
• Send administrative notifications and updates
• Conduct surveys and gather feedback

3.4 For Legal and Compliance Purposes

• Comply with legal obligations and regulations
• Enforce our terms of service and other agreements
• Protect against fraud, security threats, and illegal activities
• Respond to legal requests and prevent harm

4. Information Sharing and Disclosure

We may share your personal information in the following circumstances:

4.1 Service Providers

We share information with third-party service providers who help us operate our business, including:

• Payment processors and banking partners
• Credit reporting agencies
• Identity verification and fraud prevention services
• Customer service and communications providers
• IT and infrastructure providers
• Marketing and analytics partners

These service providers are contractually obligated to protect your information and may only use it for the purposes we specify.

4.2 Lending Partners

If we cannot provide you with a loan directly, we may share your information with lending partners in our network who may be able to assist you. You will be clearly informed before your information is shared with any lending partner.

4.3 Legal Requirements

We may disclose your information when required by law or in response to:

• Court orders, subpoenas, or legal processes
• Requests from government or law enforcement agencies
• Legal claims or disputes
• Investigations of potential violations of our terms

4.4 Business Transfers

In the event of a merger, acquisition, bankruptcy, or sale of assets, your information may be transferred to the acquiring entity. You will be notified of any such change in ownership.

4.5 With Your Consent

We may share your information for other purposes with your explicit consent.

5. Data Security

We take the security of your personal information seriously and implement industry-standard security measures:

5.1 Technical Safeguards

• Encryption: We use 256-bit SSL encryption to protect data transmitted between your browser and our servers
• Secure Storage: Personal information is stored on secure servers with restricted access
• Firewalls: Network firewalls protect our systems from unauthorized access
• Regular Security Audits: We conduct regular security assessments and vulnerability testing

5.2 Administrative Safeguards

• Access Controls: Only authorized employees have access to personal information
• Employee Training: Staff receive regular training on data protection and privacy
• Background Checks: Employees with access to sensitive data undergo background checks
• Confidentiality Agreements: All employees sign confidentiality agreements

5.3 Physical Safeguards

• Secure facilities with controlled access
• Surveillance systems and security personnel
• Secure disposal of physical records

6. Your Privacy Rights

You have certain rights regarding your personal information:

6.1 Access and Portability

You have the right to request access to the personal information we hold about you and receive a copy in a portable format.

6.2 Correction

You may request that we correct inaccurate or incomplete personal information.

6.3 Deletion

You may request deletion of your personal information, subject to certain exceptions (e.g., legal obligations, fraud prevention).

6.4 Opt-Out of Marketing

You can opt out of receiving marketing communications by:

• Clicking "unsubscribe" in our emails
• Contacting us at the information provided below
• Updating your preferences in your account settings

Note: Even if you opt out of marketing, we will still send you transactional and account-related communications.

6.5 How to Exercise Your Rights

To exercise any of these rights, please contact us using the information in the "Contact Us" section below. We will respond to your request within 30 days.

7. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our website:

7.1 Types of Cookies We Use

7.2 Managing Cookies

You can control cookies through your browser settings. However, disabling certain cookies may affect website functionality. Most browsers allow you to:

• View and delete cookies
• Block third-party cookies
• Block all cookies
• Receive notifications when cookies are set

7.3 Do Not Track

Some browsers include a "Do Not Track" feature. Currently, our website does not respond to Do Not Track signals because there is no industry standard for how to respond to them.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If we learn that we have collected information from a child under 18, we will delete it promptly.

If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

10. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

10.1 Right to Know

You have the right to request information about:

• Categories of personal information we collect
• Sources of personal information
• Business purposes for collecting information
• Categories of third parties with whom we share information
• Specific pieces of personal information we hold about you

10.2 Right to Delete

You have the right to request deletion of your personal information, subject to certain exceptions.

10.3 Right to Opt-Out of Sale

California residents have the right to opt out of the "sale" of personal information. As stated above, WithU Loans does not sell personal information.

10.4 Right to Non-Discrimination

You have the right not to be discriminated against for exercising your CCPA rights.

10.5 How to Submit a CCPA Request

California residents can submit a request by:

• Calling us toll-free at 1-800-XXX-XXXX
• Emailing us at privacy@withuloans.com
• Using the contact form on our website

We will verify your identity before processing your request and respond within 45 days.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. When we make material changes, we will:

• Update the "Last Updated" date at the top of this policy
• Notify you by email (if you have provided your email address)
• Post a prominent notice on our website

We encourage you to review this Privacy Policy periodically. Your continued use of our services after changes are posted constitutes your acceptance of the revised policy.

12. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us: