Privacy Notice
Smart Lending – Privacy Notice
Effective Date: August 2025
Last Updated: August 2025
FACTS
What does Smart Lending 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 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 Smart Lending chooses to share, and whether you can limit this sharing.
Reasons we can share your personal information
|
Reason |
Does Smart Lending 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 |
Yes |
Yes |
|
For our affiliates to market to you |
Yes |
Yes |
|
For nonaffiliates to market to you |
Yes |
Yes |
To limit our sharing
- Call: 866-214-0004 – Our menu will guide you through your choice(s)
- Email: privacy@smartlending.com
- Mail: Complete the form below and send it to the address provided
Please Note: 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.
Questions?
Call 866-214-0004 or visit www.smartlending.com
Mail-in Form
[ ] Do not share information about my creditworthiness with your affiliates for their everyday business purposes.
[ ] Do not allow your affiliates to use my personal information to market to me.
[ ] Do not share my personal information with nonaffiliates to market their products and services to me.
Name: ___________________________
Address: _________________________
City, State, ZIP: ___________________
Account #: _______________________
Mail to:
Smart Lending Corporation – Privacy Department
1111 6th Ave. STE 300, San Diego, CA 92101
Who we are
Who is providing this notice?
Smart Lending
What we do
How does Smart Lending 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 Smart Lending collect my personal information?
We collect your personal information, for example, when you:
- Apply for a loan or give us your income information
- Provide employment information
- Provide account or 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 nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
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 nonfinancial companies.
- Our affiliates may include companies engaged in financial services, lending, or marketing.
Nonaffiliates – Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Nonaffiliates we share with may include lenders, financial service providers, marketing partners, and other service providers.
Joint marketing – A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Our joint marketing partners may include lenders, insurance companies, and debt settlement providers.
Other important information
- California Residents – We will not share personal information with nonaffiliates except as permitted by California law.
- Vermont Residents – We will not disclose information about your creditworthiness to our affiliates without your consent.
- Nevada Residents – You may request to be placed on our internal Do Not Call List by calling 866-214-0004.
- Other State Residents – State laws may provide additional privacy rights.