Privacy Policy

1. Introduction

Tribal Installment Loans ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website www.tribal-installment-loans.com (the "Site") or use our services.

We respect your privacy and are committed to protecting personally identifiable information you may provide us through the Site. We have adopted this Privacy Policy to explain what information may be collected on our Site, how we use this information, and under what circumstances we may disclose the information to third parties.

This Privacy Policy applies only to information we collect through the Site and does not apply to our collection of information from other sources. This Privacy Policy is part of our Terms of Service and is incorporated therein by reference.

Please read this Privacy Policy carefully. By accessing or using our Site, you acknowledge that you have read, understood, and agree to be bound by all the terms of this Privacy Policy and our Terms of Service. If you do not agree to these terms, please exit the Site immediately.

2. Information We Collect

We collect several types of information from and about users of our Site, including information:

• By which you may be personally identified, such as name, postal address, e-mail address, telephone number, date of birth, Social Security number, employment information, income information, bank account information, and other financial information ("personal information");
• That is about you but individually does not identify you, such as your internet connection, the equipment you use to access our Site, and usage details;
• About your internet connection, the equipment you use to access our Site, and usage details.

2.1 Information You Provide to Us

We collect information that you provide directly to us when using our Site, including:

• Account Information: When you register for an account, apply for a loan, or submit an inquiry, we collect personal information such as your name, email address, phone number, address, date of birth, and Social Security number.
• Financial Information: We collect financial information such as your income, employment details, bank account information, and payment card details when you apply for a loan or set up payment methods.
• Communications: If you contact us directly, we may receive additional information about you, such as your name, email address, phone number, the contents of the message and/or attachments you may send us, and any other information you may choose to provide.
• Form Submissions: We collect the information you provide when filling out forms on our Site, including loan applications, contact forms, surveys, and newsletter sign-ups.

2.2 Information We Collect Automatically

When you visit, use, or navigate our Site, we may collect certain information automatically, including:

• Device Information: We collect device information such as your IP address, browser type, operating system, device type, mobile device identifiers, and mobile network information.
• Usage Information: We collect information about your interactions with our Site, including the pages you visit, the time and date of your visit, the time spent on each page, referring URLs, and other statistics.
• Location Information: We may determine your approximate location from your IP address to customize our services.
• Cookies and Similar Technologies: We use cookies, web beacons, and similar tracking technologies to collect information about you and your interactions with our Site, as explained in the "Cookies and Tracking Technologies" section below.

2.3 Information from Third Parties

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

• Credit Bureaus: With your consent, we may obtain your credit report and credit score from credit bureaus to assess your loan application.
• Identity Verification Services: We may use third-party services to verify your identity and prevent fraud.
• Public Databases: We may collect information from public databases to verify information you provide.
• Marketing Partners: We may receive information about you from our marketing partners, such as lead generators or referral sources, if you have expressed interest in our services through those channels.

3. How We Use Your Information

We use the information we collect about you for various purposes, including to:

• Provide, maintain, and improve our services;
• Process and evaluate loan applications;
• Facilitate connections between you and tribal lenders;
• Verify your identity and prevent fraud;
• Communicate with you about our services, updates, and promotional offers;
• Respond to your inquiries, comments, or concerns;
• Monitor and analyze usage patterns and trends;
• Personalize your experience on our Site;
• Develop new products, services, features, and functionality;
• Comply with legal obligations and enforce our legal rights;
• Protect the security and integrity of our Site and business.

We may create anonymized or aggregated data from your personal information by removing information that makes the data personally identifiable to you. We may use this anonymized or aggregated data for our business purposes, including to analyze request and usage patterns and to enhance the content and functionality of our services.

4. Information Sharing and Disclosure

We may share your information with the following categories of third parties:

4.1 Tribal Lenders and Financial Service Providers

As a loan connection service, we share your information with tribal lenders and financial service providers in our network to facilitate the loan application and approval process. These lenders will use your information according to their own privacy policies, which may differ from ours.

4.2 Service Providers

We share information with third-party vendors, consultants, and other service providers who perform services on our behalf, such as:

• Payment processors and billing services
• Hosting and cloud storage providers
• Customer support and communication services
• Analytics providers
• Identity verification and fraud prevention services
• Marketing and advertising partners

These service providers are only authorized to use your information as necessary to provide services to us and are contractually required to maintain the confidentiality of your information.

4.3 Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court or government agency). We may also disclose your information when we believe disclosure is necessary to:

• Comply with applicable laws, regulations, or legal processes
• Enforce our Terms of Service and other agreements
• Protect the rights, property, or safety of our company, our users, or others
• Detect, prevent, or otherwise address fraud, security, or technical issues

4.4 Business Transfers

In the event of a merger, acquisition, bankruptcy, dissolution, reorganization, sale of some or all of our assets, financing, or similar transaction, your information may be among the assets transferred. We will notify you via email and/or a prominent notice on our Site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.

4.5 With Your Consent

We may share your information with third parties when you have given us your consent to do so.

4.6 Aggregate and De-Identified Information

We may share anonymized, aggregated, or de-identified information that cannot reasonably be used to identify you with third parties for marketing, advertising, research, or similar purposes.

5. Cookies and Tracking Technologies

We and our third-party service providers use cookies, web beacons, and similar tracking technologies to track information about your use of our Site and to remember you when you return to the Site.

5.1 Types of Cookies We Use

5.2 Your Cookie Choices

Most web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove or reject cookies. Please note that if you choose to remove or reject cookies, this could affect the availability and functionality of our Site.

You may opt-out of interest-based advertising by visiting:

• Digital Advertising Alliance (DAA): http://www.aboutads.info/choices/
• Network Advertising Initiative (NAI): http://www.networkadvertising.org/choices/

Please note that these opt-out mechanisms are browser and device-specific, so you will need to opt out on each browser and device you use.

6. Data Security

We implement appropriate technical and organizational security measures designed to protect your information from unauthorized access, disclosure, use, and modification. These measures include:

• Encryption of sensitive data in transit and at rest
• Secure access controls and authentication mechanisms
• Regular security assessments and testing
• Employee training on data protection and security practices
• Physical security measures for our facilities

While we strive to protect your information, no method of transmission over the Internet or electronic storage is 100% secure. Therefore, we cannot guarantee its absolute security. If you have reason to believe that your interaction with us is no longer secure, please contact us immediately.

We retain your personal information for as long as necessary to fulfill the purposes for which we collected it, including for the purposes of satisfying any legal, accounting, or reporting requirements. To determine the appropriate retention period, we consider the amount, nature, and sensitivity of the personal information, the potential risk of harm from unauthorized use or disclosure, the purposes for which we process the information, and applicable legal requirements.

7. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information. These may include:

• Access: You may request information about the personal data we hold about you and how it is used.
• Correction: You may request that we correct or update inaccurate or incomplete personal information.
• Deletion: You may request that we delete your personal information in certain circumstances.
• Opt-Out: You may opt-out of certain data processing activities, such as marketing communications.
• Data Portability: You may request a copy of your personal information in a structured, commonly used, and machine-readable format.
• Withdraw Consent: If we process your data based on your consent, you may withdraw that consent at any time.

7.1 California Privacy Rights

If you are a California resident, you have certain rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), including:

• The right to know what personal information we collect, use, disclose, and sell
• The right to delete certain personal information
• The right to opt-out of the sale or sharing of personal information
• The right to non-discrimination for exercising your rights
• The right to limit the use and disclosure of sensitive personal information
• The right to correct inaccurate personal information

To exercise these rights, please contact us using the information provided in the "Contact Us" section below.

7.2 How to Exercise Your Rights

To exercise your privacy rights, please submit a request by:

• Emailing us at [email protected]
• Calling us at 1-800-123-4567
• Visiting our Privacy Request Form

We will respond to your request within the timeframe required by applicable law. We may need to verify your identity before processing your request, which may require you to provide additional information.

8. Children's Privacy

Our Site is not directed to children under the age of 18, and we do not knowingly collect personal information from children under 18. If we learn that we have collected personal information from a child under 18 without verification of parental consent, we will take steps to delete that information as quickly as possible. If you believe that we might have any information from or about a child under 18, please contact us immediately.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will post the updated Privacy Policy on this page and update the "Last Updated" date at the top. We encourage you to review this Privacy Policy periodically to stay informed about our data practices.

If we make material changes to how we treat your personal information, we will notify you through a notice on the Site's home page or via email to the email address specified in your account. Your continued use of the Site after such modifications will constitute your acknowledgment of the modified Privacy Policy and agreement to abide and be bound by it.

10. Contact Us

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

Tribal Installment Loans
123 Financial Plaza, Suite 400
New York, NY 10001
Email: [email protected]
Phone: 1-800-123-4567

We strive to resolve any concerns you may have and will respond to your inquiry as soon as possible.