Privacy Notice

Privacy Notice

LendingPoint LLC Privacy Policy

Rev. 08/2021

FACTS WHAT DOES LENDINGPOINT LLC DO WITH YOUR PERSONAL INFORMATION?
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 Account Balances
  • Payment History and Credit Scores
  • Credit History and Transaction History
When you are no longer our customer, we continue to share your information as described in this notice.
How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons LendingPoint LLC chooses to share; and whether you can limit this sharing.
REASONS WE CAN SHARE YOUR PERSONAL INFORMATION DOES LENDINGPOINT LLC 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 No We don’t share
For our affiliates to market to you No We don’t share
For nonaffiliates to market to you No We don’t share
QUESTIONS? Call (888) 969-0959 or go to www.lendingpoint.com
WHO WE ARE  
Who is providing this notice? LendingPoint LLC, LendingPoint Funding | 2017-LLC, LendingPoint 2018-1 SPE Trust, LendingPoint 2018 Funding Trust, LendingPoint 2019-1 Asset Securitization Trust, LendingPoint 2019-2 Asset Securitization Trust, LP LMS 2019-1 Asset Securitization Trust, LendingPoint 2020-1 Asset Securitization Trust, LP LMS 2020-1 Asset Securitization Trust.
WHAT WE DO  
How does LendingPoint LLC protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does LendingPoint LLC collect my personal information? We collect your personal information, for example, when you
  • Apply for a loan or provide employment information
  • Give us your account information or tell us where to send money
  • Give us your income information
We also collect your personal information from others, such as credit bureaus, 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 nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
DEFINITIONS  
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • LendingPoint LLC, LendingPoint Funding I 2017-LLC, LendingPoint 2018-1 SPE Trust, LendingPoint 2018 Funding Trust, LendingPoint 2019-1 Asset Securitization Trust, LendingPoint 2019-2 Asset Securitization Trust, LP LMS 2019-1 Asset Securitization Trust, LendingPoint 2020-1 Asset Securitization Trust, LP LMS 2020-1 Asset Securitization Trust
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • LendingPoint LLC does not share with nonaffiliates so they can market to you.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • LendingPoint LLC’s joint marketing partners include banks, home improvement finance, credit card companies and other consumer and commercial finance companies.
OTHER IMPORTANT INFORMATION
Notice to Texas Residents: For questions or complaints about this loan, contact LendingPoint LLC at (888) 969-0959 or at customerservice@lendingpoint.com. LendingPoint LLC is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting LendingPoint, consumers can contact the OCCC to file a complaint or as a general credit-related question. OCCC address: 2601 N. Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579. Fax: (512) 936-7610. Website: occc.texas.gov. E-mail: consumercomplaints@occc.texas.gov.

First Electronic Bank Privacy Policy

Rev. June 2021

FACTS
WHAT DOES FIRST ELECTRONIC BANK DO WITH YOUR PERSONAL INFORMATION?
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. The information can include:
  • Social Security number and income
  • account balances and payment history
  • credit history and credit scores
When you are no longer our customer, we continue to share your information as described in this notice.
How?
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons First Electronic Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does First Electronic Bank share? Can you limit this sharing?
For our everyday business purposes –
such as to process your transactions, maintain your account(s), respond to 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 No We do not share
For our affiliates’ everyday business purposes –
information about your transactions and experiences
Yes No
For our affiliates’ everyday business purposes –
information about your creditworthiness
No We do not share
For our affiliates to market to you No We do not share
For nonaffiliates to market to you No We do not share
Questions? www.firstelectronic.bank
Who we are  
Who is providing this notice? First Electronic Bank
What we do  
How does First Electronic Bank protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does First Electronic Bank collect my personal information? We collect your personal information, for example, when you:
  • apply for a loan or open an account
  • give us your contact information or pay your bills
  • use your credit card
We also collect your personal information from others, such as credit bureaus, 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 purposesinformation about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Definitions  
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Our affiliates include nonfinancial companies such as Fry’s Electronics, Inc.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • First Electronic Bank does not share with nonaffiliates so they can market to you.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • First Electronic Bank does not jointly market.
Other important information
For California Customers: We will limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

FinWise Bank Privacy Policy

Rev. 08/2021

FACTS What Does FinWise Bank Do with Your Personal Information?
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
  • Account balances, payment and transaction history
  • Credit history and credit scores
When you are no longer our customer, we continue to share your information as described in this notice.
How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons FinWise Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does FinWise Bank 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 bureau
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
No We don’t share
For our affiliates to market to you No We don’t share
For nonaffiliates to market to you No We don’t share
Questions? Call (801) 501-7200 or go to www.finwisebank.com
Who we are  
Who is providing this notice? FinWise Bank
What we do  
How does FinWise Bank protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

FinWise Bank’s policy is such that access to confidential information is provided only to those employees who need to know such information to administer your account(s).
How does FinWise Bank collect my personal information? We collect your personal information, for example, when you:
  • Open an account, make deposits or withdrawals from your account
  • Apply for a loan or pay your bills
  • Give us your contact information, employment history or income information
  • Make a wire transfer or use your credit or debit card
We also collect your personal information from others, such as credit bureaus, 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 credit worthiness
  • Affiliates from using your information to market to you
  • Sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Definitions  
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Our affiliates include companies with a Holding Company interest in the Bank, our Holding Company is “FinWise Bancorp”.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • FinWise Bank does not share with nonaffiliates so they can market to you.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include financial service providers, such as online lending platforms.

LendingPoint Privacy Policy for Vermont Residents

Rev. 8/2021

FACTS WHAT DOES LendingPoint LLC DO WITH YOUR PERSONAL INFORMATION?
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 Account Balances
  • Payment History and Credit Scores
  • Credit History and Transaction History
When you are no longer our customer, we continue to share your information as described in this notice.
How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons LendingPoint LLC chooses to share; and whether you can limit this sharing.
REASONS WE CAN SHARE YOUR PERSONAL INFORMATION DOES LENDINGPOINT LLC 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 fi nancial 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
No We don’t share
For our affiliates to market to you No We don’t share
For nonaffiliates to market to you No We don’t share
QUESTIONS? Call (888) 969-0959 or go to www.lendingpoint.com
WHO WE ARE  
Who is providing this notice? LendingPoint LLC, LendingPoint Funding | 2017-LLC, LendingPoint 2018-1 SPE Trust, LendingPoint 2018 Funding Trust, LendingPoint 2019-1 Asset Securitization Trust, LendingPoint 2019-2 Asset Securitization Trust, LP LMS 2019-1 Asset Securitization Trust, LendingPoint 2020-1 Asset Securitization Trust, LP LMS 2020-1 Asset Securitization Trust.
WHAT WE DO  
How does LendingPoint LLC protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does LendingPoint LLC collect my personal information? We collect your personal information, for example, when you
  • Apply for a loan or provide employment information
  • Give us your income info or give us your account information
  • Tell us where to send money
We also collect your personal information from others, such as credit bureaus, 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 nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
DEFINITIONS  
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • LendingPoint LLC, LendingPoint Funding I 2017-LLC, LendingPoint 2018-1 SPE Trust, LendingPoint 2018 Funding Trust, LendingPoint 2019-1 Asset Securitization Trust, LendingPoint 2019-2 Asset Securitization Trust, LP LMS 2019-1 Asset Securitization Trust, LendingPoint 2020-1 Asset Securitization Trust, LP LMS 2020-1 Asset Securitization Trust
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfi nancial companies.
  • LendingPoint LLC does not share with nonaffiliates so they can market to you.
Joint marketing A formal agreement between nonaffi liated financial companies that together market financial products or services to you.
  • LendingPoint LLC’s joint marketing partners include banks, home improvement finance, credit card companies and other consumer and commercial finance companies
OTHER IMPORTANT INFORMATION
This privacy notice only applies to residents of Vermont. We will not disclose nonpublic personal financial information about you to nonaffiliated third parties (other than as permitted by law) unless you authorize us to make that disclosure. Your authorization must be in writing or, if you agree, in electronic form. If you wish to authorize us to disclose your nonpublic personal financial information to nonaffiliated third parties, you may opt in to such sharing by sending an email to customerservice@lendingpoint.com.
LendingPoint is an Atlanta-based lender and servicer, redefining who can access money at fair rates.

USA PATRIOT ACT NOTICE: IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

* Applications submitted on this website may be funded by one of several lenders, including: FinWise Bank, a Utah-chartered bank, member FDIC; LendingPoint, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms and annual percentage rates ("APR") may vary based upon LendingPoint's proprietary scoring and underwriting system's review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees from 0% to 6% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $2,000 to $36,500, at rates ranging from 9.99% to 35.99% APR, with terms from 24 to 60 months. For a well-qualified customer, a $10,000 loan for a period of 48 months with an APR of 23.72% and origination fee of 6% will have a payment of $324.48 per month. (Actual terms and rate depend on credit history, income, and other factors.) Customers may have the option to deduct the origination fee from the disbursed loan amount if desired. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.

1. Alimony, child support, or separate maintenance income need not to be revealed if you do not wish to have it considered as a basis for repaying this obligation.

2. The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the 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 FinWise Bank is the FDIC Consumer Response Center, 1100 Walnut Street, Box #11, Kansas City, MO 64106. The federal agency that administers compliance with this law for LendingPoint is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.

Click here to see our current list of state licenses

LendingPoint's NMLS #1424139 Visit NMLS Consumer Access