Privacy Policy

The LendingUSA Privacy Policy applies to everyone who visits our website:

Information Collection, Use, and Sharing

LendingUSA is the sole owner of the information collected on this site. We only have access to/collect information that you voluntarily give us via email or other direct contact from you. Information we collect may include, but is not limited to:

Name

Address

Email address

Contact Number

Date of Birth

Social Security Number

We also collect any other personal information that you choose to provide when you visit this site. Your decision to provide additional information is entirely optional. We will not sell or rent this information to anyone. We will use your information to respond to you regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request, e.g. to ship an order. Unless you ask us not to, we may contact you via email in the future to tell you about specials, new products or services, or changes to this privacy policy.

Your Access to and Control over Information

You may opt out of any future contacts from us at any time. You can do the following at any time by contacting us via email at [email protected] or contact us via telephone at 1-800-994-6177 to see what data we have about you, if any. Change/correct any data we have about you. Have us delete any data we have about you. Express any concern you have about our use of your data.

Security

We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline. Wherever we collect sensitive information (such as credit card data), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon in your web browser, or looking for “https” at the beginning of the address of the web page. Placement of this icon varies by website browser. While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment. If you feel that we are not abiding by this privacy policy, you should contact us immediately via telephone at 1-800-994-6177.

Registration

In order to use this website, a user must first complete the registration form. During registration a user is required to give certain information (such as name and email address). This information is used to contact you about the products/services on our site in which you have expressed interest. At your option, you may also provide demographic information (such as gender or age) about yourself, but it is not required.

Cookies

We use “cookies” on this site. A cookie is a piece of data stored on a site visitor’s hard drive to help us improve your access to our site and identify repeat visitors to our site. For instance, when we use a cookie to identify you, you would not have to log in a password more than once, thereby saving time while on our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site. Some of our business partners may use cookies on our site (for example, advertisers). However, we have no access to or control over these cookies.

You can disallow cookies by making the appropriate selection from your browser options. However, if you disallow cookies, you may limit the enhanced functionality that cookies allow.

Sharing

We partner with other parties to provide specific services. When the user signs up for these services, we will share names, or other contact information that is necessary for the third party to provide these services. These parties are not allowed to use personally identifiable information except for the purpose of providing these services.

We may disclose your personal information as otherwise permitted or required by law.

Links

This web site contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.

Surveys & Contests

From time-to-time our site requests information via surveys or contests. Participation in these surveys or contests is completely voluntary and you may choose whether or not to participate and therefore disclose this information. Information requested may include contact information (such as name and shipping address), and demographic information (such as zip code, age level). Contact information will be used to notify the winners and award prizes. Survey information will be used for purposes of monitoring or improving the use and satisfaction of this site.

Questions

If you have any questions about this privacy policy or the practices described herein, you may contact us at 1-800-994-6177.

Revisions To This Policy

LendingUSA reserves the right to revise this privacy policy at any time. When we do, we will post the change(s) on this site. You will not be given any notice to these changes. Any change to this policy will be posted on our websites in a timely manner. Your continued use of our websites and web pages after any changes are posted will be deemed to constitute your agreement to and acceptance of such changes to this Privacy Policy.

LendingUSA Privacy Notice

The LendingUSA Privacy Notice applies to all LendingUSA customers:

FACTS – WHAT DOES LENDINGUSA 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 Transaction history
  • Account transactions and Wire transfer instructions

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 LendingUSA.com chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does LendingUSA.com share?

Can you limit the 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

No

No

For our affiliates’ everyday business purposes – information about your transactions and experiences

No

We don’t share

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

Questions? Call Toll-Free 1-800-994-6177

What we do

How does LendingUSA 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 LendingUSA collect my personal information?

We collect your personal information, for example, when you:

  • Open an account or apply for a loan
  • Give us your income information or provide employement information
  • Give us your contact 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 non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more about your rights under state law.

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.

  • LendingUSA has no affiliates

Non-affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • LendingUSA does not share with non-affiliates so they can market to you.

Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • LendingUSA doesn’t jointly market.

Cross River Bank Privacy Notice

The Cross River Bank Privacy Notice applies to all Cross River Bank customers:

FACTS Rev. 11/2015

What does Cross River 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 Account balances
  • Payment history and Transaction history
  • Account transactions and Wire transfer instructions

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 Cross River Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Cross River Bank share?

Can you limit the 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

No

We don’t share

For joint marketing with other financial companies

Yes

No

For our affiliates’ everyday business purposes – information about your transactions and experiences

No

We don’t share

For our affiliates’ everyday business purposes – information about your creditworthiness

No

We don’t share

For our affiliates to market to you

Yes

Yes

To limit our sharing: Call Toll-Free 1-877-55CRB55 – our menu will prompt you through your choice(s).

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we provided or sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions? Call Toll-Free 1-877-55CRB55 or go to www.crossriverbank.com.

How does Cross River Bank protect my personal information?

To protect your personal information from unauthorized access and use, we use measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

We also maintain other physical electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does Cross River Bank collect my personal information?

We collect your personal information, for example, when you:

  • Open an account or apply for a loan
  • Make deposits or withdrawals from your account or provide employment information
  • Give us your contact 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 non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more about your rights under state law.

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.

  • Cross River Bank does not share with our affiliates. Our affiliates include CRB Group Inc., CRB Investment Company, Inc., CRBRET Inc.

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 loan finance companies.

Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • Our joint marketing partner(s) include loan finance companies.

Other Important Information:

Special Notice for State Residents

For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with non-affiliates either for them to Market to you or for joint marketing-without your authorization.

For California Customers. We will not share personal information with non-affiliates either for them to market to you or for joint marketing -without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with non-affiliates either for them to market to you or for joint marketing-without your authorization.

For Vermont Customers. We will not share personal information with non-affiliates either for them to market to you or for joint marketing without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.

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