Loans-Shop Financial, Inc. is committed to safeguarding your privacy. The following is information that we collect and information we might share and under what circumstances we will share information.

WE MAY COLLECT non-personal and personal information about you when you visit us in person, over the phone, through the mail, or through our website from the following sources:

• From your online application, forms or other sources.
• From your past transactions with us.
• Information we may receive from consumer reporting agencies.

WE DO NOT DISCLOSE personal information about you to outside parties. This includes financial institutions and companies engaged in marketing services. In the event that we must share personal information about you that is not obtained as stated above, we will seek your written permission to do so and offer to you a full explanation why we need to share the information.

SECURITY OF PRIVACY. Our associate ethics and code of conduct and privacy agreements with our third-party lenders, vendors and external suppliers require that your personal information remain confidential. We restrict access to non-public personal information about you to our associate and agents who need to know that information to provide products or services to you. Associates who violate our policies and procedures regarding privacy are subject to disciplinary action. Our third-party lenders, vendors and external suppliers are bound to uphold our procedures regarding privacy under the terms of our legal contracts with them. In addition, we maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your personal information.

NEGATIVE INFORMATION. As a credit services organization, our main goal is to assist you in improving your credit rating. To this end, we may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected on your credit report.

ECOA NOTICE. The Federal Equal Credit Opportunity Act prohibits creditors for discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age; because all or part of an applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission, Equal Credit Opportunity, Washington, D.C. 20580.

EMAIL COMMUNICATION. We value you as a loyal customer and will occasionally send email about a new or existing product or service, either from us, or from any one of our trading partners. If at any time you wish to quit receiving email from us, you will be given the opportunity to do so