RISE PRIVACY POLICY

RISE - PRIVACY POLICY

EFFECTIVE MARCH 2014

FACTS

WHAT DOES RISE 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

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

Reasons we can share your personal information

Does RISE 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, prevent or mitigate fraud, engage in corporate transactions, 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) 580-1226 to speak to an account representative;
• Log in to your account at www.risecredit.com and click on “Account Settings”; or
• Contact us via email: support@risecredit.com.

If you are a new customer, we can begin sharing your information thirty (30) days from the date we sent this notice. When you are no longer a 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) 580-1226 or go to www.risecredit.com

What we do

How does RISE 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.

We also maintain physical, electronic and procedural safeguards (i.e., computer virus protection software, firewalls, 128-bit Secure Socket Layer). Only authorized employees have access.

How does RISE collect my personal information?

We collect your personal information, for example, when you

• Apply for credit
• Give us your income information
• Provide employment information
• Provide account 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; and
• 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.

Definitions

Affiliates

Financial and nonfinancial companies related by common ownership or control.

• Our affiliates include companies that have common corporate ownership with RISE, such as Elevate Credit, Inc., Elevate Credit Service, LLC, Elevate Decision Sciences, LLC, RISE Credit, LLC, and RISE SPV, LLC.

Nonaffiliates

Financial and nonfinancial companies not related by common ownership or control.

• Nonaffiliates we share with can include direct marketing companies for application resell, direct mail and other purposes.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• Our joint marketing partners include financial institutions, credit card companies, partners that promote our products, pre-paid debit card providers and other lending companies.

Other Important Information

As part of our credit underwriting and information collection process, we will consider bank account information provided by you and we may detect additional bank accounts under your ownership. We also may collect and consider information about you from non-credit reporting agency data providers, including, for example, information about your location and the location of your mobile devices, and publicly available information about you.

Updating your information: If you need to update the personal information you have given us, log in to your account at www.risecredit.com and click on the “Account Settings” link or call (866) 580-1226 to speak to an account representative.

"Do not track": When someone visits the RISE website, a cookie is placed on the visitor’s computer (if the visitor accepts cookies). The cookie we place on your computer does not contain any of your personally identifiable information. RISE advertises its products and services on websites that you may visit, and RISE uses service providers to place such advertisements. Those service providers (such as Google, Microsoft or Yahoo) may use cookies placed on your computer to show you advertisements for RISE services on other websites. You can opt-out from service providers’ and/or marketers’ use of cookies in this manner by visiting each service provider’s advertising opt-out page or by utilizing “do not track” functionality in your web browser. If you choose to not have your browser accept cookies from the RISE website, you will not be able to subscribe to the service offerings on the RISE website.

Changes to this privacy policy: If we make material changes to this privacy policy, we will notify you via email and post the updated privacy policy on the RISE website. Please take note of the “Effective Date” at the top of this privacy policy.

Vermont residents: We will not disclose information about you with affiliates or non-affiliated, third-party companies or financial institutions, other than as required or permitted by law, without your express permission.

California residents: We will not share information we collect about you with affiliated or non-affiliated third-parties, except in the limited circumstances permitted under state law, or if you give us your permission.

North Dakota residents: We will not disclose information about you with non-affiliated, third-party companies or financial institutions, other than as required or permitted by law, without your express permission.

Nevada residents: If you would like more information regarding this notice or Nevada’s law regarding corporate do-not-call registries, you can contact us at the toll-free number or address included in this notice or the Bureau of Consumer Protection, Office of the Nevada Attorney General at 555 E. Washington Street, Suite 3900, Las Vegas, Nevada 89101; Phone: (702) 486-3132/Email: BCPINFO@ag.state.nv.us.