By providing my email address on this application, I consent to Lendmark sending me email messages about my application and financial products and services.
I expressly consent to receiving voice calls or text messages from or on behalf of Lendmark at the any phone number listed on this application, or such other phone number(s) that I may later provide. This consent shall include receiving voice calls using an automatic dialing system or any artificial or prerecorded voice or text message.
"Access Information" means any or all of the following information: your Account number, user name, password and any other security or access information to your Account.
"Account" means an active or inactive Lendmark Loan Agreement and its payment history, outstanding balance and other information, whether the Loan Agreement is solely in your name or if there are other persons or entities on the same loan with you.
"Account Holder" means any person(s) or entity who is singularly or jointly responsible for the obligations on the Account.
“Content” means any text, image or other material that appears on this website as part of the Service.
“Loan Agreement” means the promissory note or retail installment sales contract and security agreement and other documentation related to a loan that we have made to you.
"Online Services" means services offered by us through this website or any future digital distribution platforms (such as a website, software program or mobile application) or other forms of media not yet developed that are available to Account Holders.
You understand and agree that various entities unaffiliated with us make up the "mobile ecosystem" that enables you to access, visit and/or use the Service via your computer, mobile or other device, including without limitation equipment, hardware and software manufacturers and providers, telephone, mobile, wireless, and Internet network providers and carriers, and sellers or providers of Content for use with the Service (collectively, the "Mobile Participants"). We do not represent, warrant or guarantee that all portions of the Service, or the Service as a whole, can be accessed via all mobile or other devices, or via all carriers and service plans or is available in all geographic locations. THESE MOBILE PARTICIPANTS MAY REQUIRE THAT YOU AGREE TO THEIR ADDITIONAL TERMS, CONDITIONS, CONTRACTS, AGREEMENTS AND/OR RULES. YOUR COMPLIANCE WITH ANY SUCH ADDITIONAL TERMS, CONDITIONS, CONTRACTS, AGREEMENTS AND/OR RULES IS SOLELY YOUR RESPONSIBILITY AND WILL HAVE NO EFFECT ON YOUR CONTINUING OBLIGATION TO COMPLY WITH THE AGREEMENT WHEN USING THE SERVICE. WE AND OUR INDEMNITEES SPECIFICALLY DISCLAIM ANY AND ALL LIABILITY IN CONNECTION WITH THE ACTS OR OMISSIONS OF SUCH MOBILE PARTICIPANTS. Standard data rates may apply.
CyberCrime: If you have reason to believe you may be the victim of an online crime, such as identity theft, fraud, infringement, or hacking, you may contact the Internet Crime Complaint Center, at www.ic3.gov, a partnership between the Federal Bureau of Investigation (FBI), the National White Collar Crime Center (NW3C), and the Bureau of Justice Assistance (BJA).
IMPORTANT: FALSE OR INACCURATE ACCUSATIONS THAT OTHERS HAVE COMMITTED A CRIME, INAPPROPRIATE ACT, OR VIOLATION OF THIS AGREEMENT, COULD BE A VIOLATION OF CRIMINAL AND/OR CIVIL LAW, OR OTHERWISE EXPOSE YOU TO LIABILITY FOR DAMAGES (INCLUDING COSTS AND ATTORNEYS' FEES).
We reserve the right, in addition to our other remedies, to terminate, discontinue, suspend and/or restrict the Service, your account/profile, your ability to access, visit and/or use the Service or any portion thereof, including without limitation any of our purported obligations hereunder, for any or no reason, with or without notice. In the event of any termination or discontinuation of your Account, your ability to access, visit and/or use the Service or any portion thereof, we reserve the right, in addition to our other remedies, to reassign, and/or allow another user to use, your password and/or User ID.
We collect personal information that you provide to us directly through electronic mail, electronic website forms, and other electronic means. "Personal Information" means information that can specifically identify you, such as your name, phone number, address, email address, date of birth, account number, employment history, income information and other financial information about you, Social Security number, driver's license number, or other identification document.
In addition to the information you provide to us directly, we may automatically collect information about you when you use this website:
We may collect information about you from third parties. This information may include credit reports from national consumer reporting agencies.
We may use the Personal Information that we collect to:
Updating Your Personal Information
Keeping your account information up-to-date is important. You may review or update certain account information by calling us at 833-239-3537, by calling us or visiting us in person at one of our branches or by using the contact information listed on your billing statements or other documents we send to you.
We may use session cookies or persistent cookies. Session cookies are temporary and are deleted after you close your Web browser. Session cookies do not collect personally identifying information from your computer. Among other uses, session cookies allow us to deliver content specific to your interests and to improve website navigation. We use persistent cookies for customer protection, as part of our authentication technology. Persistent cookies assist in verifying the identity of a customer who is attempting to log in to an account.
Web beacons are objects embedded into Web pages that allow a website to count users and determine how long users view Web pages. We use Web beacons for site traffic reporting, unique visitor counts, auditing and reporting, personalization, and other functions.
Log information may include Web requests, domain name and host, Internet Protocol address, your Internet service provider, referring website, operating system, browser type, browser language, date and time of your request, and cookies that may uniquely identify your browser. We use this information to enhance the functionality of the website and to make your access more convenient, secure, and efficient. We may also use this information to develop group profiles of its website visitors, to assist with systems administration, to resolve problems, and to prevent fraud.
You may stop your browser from accepting cookies or Web beacons. The Help portion of your browser should explain how to configure your browser's cookie handling. Your browser may have add-ons that may help you block Web beacons. You may have limited functionality if you block cookies or Web beacons set by this website.
We are unable to respond to Do-Not-Track signals or similar tools and settings at this time due to the limits of current Internet technology, standards and solutions.
We disclose Personal Information to our affiliated companies, individuals, and third parties that perform services and functions on its behalf under confidentiality agreements. These entities include, but are not limited to, financial institutions; auditors; background and credit check organizations; fraud prevention service providers; marketing service providers; database managers; customer service providers and representatives; debt collectors; and others who perform technical, logistical, financial, tax, legal, compliance, or administrative functions on our behalf. They may perform functions including, but not limited to, providing products and services; analyzing data; supplying marketing assistance; providing search results and links; sending postal mail and email; providing background and credit checks; providing fraud checks; providing customer service; supplying marketing assistance; assisting in debt collections; and providing other financial, technical, logistical, tax, legal, compliance, or administrative functions.
In addition, we may disclose Personal Information where:
We may share aggregate or statistical data with third parties for public relations or other purposes.
Your information that we collect through the website may be stored and processed in the United States or any other country in which we or our subsidiaries, affiliates or service providers maintain facilities. We may transfer information that we collect about you, including personal information, to affiliated entities, or to other third-parties across borders and from your country or jurisdiction to other countries or jurisdictions around the world.
We care about the security of your information, and take technical and organization measures to protect your data against accidental or unlawful destruction or accidental loss, alteration, unauthorized disclosure or access. These measures vary depending on the sensitivity of the information we have collected from you. However, no method of transmission over the Internet or via mobile device, or method of electronic storage, is absolutely secure. Therefore, while we strive to use commercially acceptable means to protect your information, we cannot guarantee its absolute security. We are not responsible for the functionality or security measures of any third-party.
To protect your privacy and security, we take steps (such as requesting a unique password) to verify your identity before granting you access to your account. You are responsible for maintaining the secrecy of your unique password and account information, and for controlling access to your email communications from us, at all times. Do not share your password with anyone and do limit your access to your computer or other devices by signing off after you have finished accessing your account.
For information about how to protect yourself against identity theft, please refer to the Federal Trade Commission's website at www.ftc.gov/news-events/media-resources/identity-theft-and-data-security.
Following termination or deactivation of your account, we may retain your profile information for an additional period of time for backup, archival, or audit purposes. In certain circumstances, we are required by Federal and State regulations to store various information. In order to comply with those requirements, we may be unable to delete your information from our database until the expiration of the applicable period.
If you have any concerns or questions about any aspect of this policy, please feel free to contact us as follows:
Make sure to include enough information for us to help you, including for example your name, contact information, and the specific website, mobile site, application, and/or other service you're contacting us about.
Last Revised and Effective: January 1, 2020
|FACTS||WHAT DOES LENDMARK FINANCIAL SERVICES 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.|
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
- account balances and transaction history
- payment history and credit history
|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 Lendmark chooses to share; and whether you can limit this sharing.|
|Reasons we can share your personal information||Does Lendmark 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; or, as permitted by law||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||Yes||Yes|
|For our affiliates to market to you||Yes||Yes|
|For nonaffiliates to market to you||No||We don't share|
|To limit our sharing||
If you are a new customer, we can begin sharing your information 30 days from the date we 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.
|Who we are|
|Who is providing this notice?||This notice is provided by certain specific companies* in the Lendmark family.|
|What we do|
|How does Lendmark 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.
Our employees are bound by our policies and procedures to access consumer information only for legitimate business purposes and to keep information about you confidential.
|How does Lendmark collect my personal information?||
We collect your personal information, for example, when you
- apply for a loan
- open an account or provide account information
- give us your employment history
- give us your income information
- pay us by check
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.]
|What happens when I limit sharing for an account I hold jointly with someone else?||Your choices will apply to everyone on your account.|
|Affiliates||Companies related by common ownership or control. They can be financial and nonfinancial companies.|
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Nonaffiliates we share with can include government entities, credit bureaus, insurance companies, companies that perform marketing services on our behalf, and companies that assist in servicing your loan(s) or account(s) with us.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Our joint marketing partners include financial institutions such as insurance companies and financial product or service marketing companies.
|Other Important Information|
You may have other privacy protections under some state laws. We will comply with applicable state laws as to information about you, including medical information.
*Accounts with California addresses will be treated as if you opted out of joint marketing arrangements.
*Accounts with Vermont addresses will be treated as if you opted out of sharing information among our affiliates and opted out of joint marketing arrangements.
FOR TEXAS LOAN CUSTOMERS ONLY
Texas Finance Code Notice - For questions or complaints about this loan, contact Lendmark Financial Services, LLC at 1-866-413-8340 or P.O. Box 2969, Covington, GA 30015. The lender 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 the lender, consumers can contact the OCCC to file a complaint or ask a general credit related question. OCCC address: 2601 N. Lamar Blvd., Austin, TX 78705. Phone: (800) 538-1579. Fax (512) 936-7610. Website: occc.texas.gov. Email: email@example.com.
* Lendmark Companies providing this notice are: Lendmark Financial Services, LLC, Lendmark Financial Services of West Virginia, Inc., Lendmark Mortgage and Finance LLC., and LFS Reinsurance Co. Ltd
Download the pdf version: Lendmark Privacy Notice (01/2020)
If you choose to apply for a loan through Lendmark Financial Services, LLC or any of its affiliates and subsidiaries (hereinafter collectively referred to as “Lendmark,” “we,” or “us”) we will provide you with certain written disclosures, applications, agreements, notices or information (“Required Documents”) related to your loan transaction with us.
Pursuant to the federal E-SIGN Act and related state laws, Lendmark may, with your consent, allow you to sign and deliver to you any Required Documents electronically. Therefore, you should review the terms of this Consent Agreement for Electronic Signature and Electronic Delivery of Documents (“Agreement”) prior to giving your consent and retain a copy of this Agreement for your records.
If you do not want us to send you Required Documents electronically or you do not want to sign any Required Documents using electronic signature in connection with your transaction with us, you should not agree to the terms of this Agreement.
Your consent to this Agreement does not mean that Lendmark must provide all Required Documents to you electronically. Lendmark may provide you with paper copies of Required Documents as it deems appropriate.
Your consent to this Agreement will apply to the general use of electronic signatures and electronic delivery of Required Documents to all of the transactions you have with us following the date you enter into this Agreement with us until such time that you withdraw consent, as provided herein.
To receive and retain the Required Documents we deliver to you electronically, you must have access to the following equipment:
We will notify you about any significant system requirement changes that may materially impact your ability to access and/or retain any Required Information that is delivered to you electronically.
If you consent to electronic delivery of the Required Documents, you may also request a paper copy of those Required Documents at no additional cost to you by sending us an e-mail at firstname.lastname@example.org.
You may withdraw your consent to this Agreement by sending us an e-mail stating that you would like to withdraw from Lendmark’s Electronic Signature and Records Program at email@example.com. Contacting your servicing Lendmark branch will not be sufficient. We will not charge you any fees for withdrawing consent, however, you will no longer receive any future “Required Documents” electronically. Your request to withdraw consent will become effective after we have had a reasonable amount of time to process your request. Please note that if you separately opt-in for electronic statements by registering for the Lendmark Mobile App or Online Customer Portal and you subsequently wish to receive paper statements, you must opt-out of electronic statements using the opt-out feature within the Lendmark Mobile App or Online Customer Portal. Opting out of electronic statements will not by itself constitute withdrawal of your consent to receive Required Documents electronically.
If you consent to electronic delivery of Required Documents, we will send that information to you at the e-mail address you have provided to us. It is your responsibility for keeping your e-mail address updated. Therefore, if you change your e-mail address you must provide us with the new e-mail address by sending us an e-mail at firstname.lastname@example.org. Contacting your servicing Lendmark branch will not be sufficient.
If you agree, we may contact you by e-mail to process your application, service your account, inform you about our financial products and services or other business purposes.
By clicking on the “I agree” box, you agree to the terms of this Agreement and consent to signing and receiving any Required Documents related to your transaction with us electronically. You further agree and confirm that you have access to the equipment and software outlined in the System Requirements listed above. You also agree that your electronic signature, where required, will have the same force and effect, and will bind you to all the terms and conditions within the “Required Documents” in the same manner and to the same extent as a handwritten signature.
This Application for Credit ("Application") is to Lendmark Financial Services, LLC and its subsidiaries and affiliates (“Lendmark”). I have read this Application and affirm that everything stated in it is true and correct in all respects. In connection with your evaluation and verification of my application, I acknowledge and agree that you may obtain a Consumer Credit Report from a Credit Reporting Agency. In so doing, you may use my social security number, my address, and other information I give you to help assure that you access the correct information from the Credit Reporting Agency.
In evaluating my application, you may contact my current or former employers, landlords, creditors, or other businesses and individuals. I agree that you may do so and I agree to sign a written authorization to do so, if you request.
I also consent to receiving phone calls and text messages in connection with this application, and if approved, in connection with my loan account, including phone calls made using an automatic telephone dialing system or an artificial or prerecorded voice message, at any phone number(s) listed on this application or any such phone numbers that I may provide in the future, from Lendmark and its assigns, service providers and agents.
California Disclosure: Married persons may apply for separate accounts.
Ohio Disclosure: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Last Updated: November 9, 2020
We currently collect the categories of personal information listed in the chart below:
|Category of Personal Information||Description|
Examples: A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, Social Security number, or other similar identifiers.
|Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e))||
Examples: A name, signature, Social Security number, address, telephone number, employment, employment history, bank account number, debit card number, or any other financial information. Some personal information included in this category may overlap with other categories.
|Protected classification characteristics under California or federal law||
Examples: Age (40 years or older), or veteran or military status.
|Internet or other similar network activity||
Examples: Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement.
Examples: Physical location or movements.
|Professional or employment-related information||
Examples: Current or past job history.
Business or Commercial Purposes: We use the categories of personal information listed above to accomplish the following business and commercial purposes:
Other Processing Activities: As permitted by applicable law, we may use all of the personal information that we collect in order to:
Additional Data Collection and Uses:
We will not collect categories of personal information other than those discussed above without providing a new notice at collection. In addition, we will not use your personal information for any other purpose other than those disclosed above. If we intend to use your personal information for a purpose that was not previously disclosed in the notice at collection, we will directly notify you of the new use and obtain consent from you to use it for the new purpose.
Exclusions from Personal information: Personal information does not include:
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