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 info@lendingusa.com 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 “http” 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.Â 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	Rev.06/2016 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 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 youState laws and individual companies may give you additional rights to limit sharing. See below 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 30days 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.