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RISE PRIVACY Notice

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RISE - PRIVACY NOTICE

 

Rev. 1.2023

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: privacy@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 email privacy@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. 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

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 Call Policy. This notice is the Rise Do Not Call Policy under the Telephone Consumer Protection Act. We do not solicit via telephone numbers listed on the state or federal Do Not Call lists, unless the law allows. Rise employees receive training on how to document and process telephone marketing choices. Consumers who ask not to receive telephone solicitations from Rise will be placed on the Rise Do Not Call list and will not be called in future campaigns, including those of Rise affiliates.

Call Monitoring and Recording. If you communicate with us by telephone, we may monitor or record the call.  We may also monitor and record your usage of our website(s), network, and application(s).

Vermont residents: We will not disclose your personal information with nonaffiliates for their marketing purposes.  We will not disclose consumer report information about you with other financial companies for joint marketing purposes without your authorization but we may share information about our transactions or experiences. Additional information concerning our privacy policies can be found at risecredit.com or by calling (866) 580-1226.

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: You may call us at (866) 580-1226 to be placed on our internal “do not call” list for any marketing calls we may make to existing customers. For more information about this notice or the Nevada law related to this notice, you may (1) contact us at (866) 580-1226 or privacy@risecredit.com; or (2) contact the Nevada Attorney General’s Office, Bureau of Consumer Protection, 555 East Washington St., Ste. 3900, Las Vegas, NV 89101; tel. (702) 486-3132; email: BCPINFO@ag.state.nv.us.

                     
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©2023 RISE. All Rights Reserved.


* Applications processed and approved before 6pm ET are typically funded the next business day. RISE is offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account and email address. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.

In some cases, we may not be able to verify your application information and may ask you to provide certain documents. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.

**For customers responding to an active firm offer of credit, a hard inquiry will be placed on your credit reports when you are approved for and accept a loan, which may impact your credit score and will be available for third parties and potential lenders to view. However, a hard inquiry will be placed with Clarity when you submit a complete application, and this may affect your overall credit profile with this bureau.  For customers who are not responding to an active firm offer of credit, a hard inquiry will not be placed on your TransUnion or FactorTrust credit report until you are approved for and accept a loan.

Important Disclosures:

Notice to Alaska, Arizona, Florida, Hawaii, Indiana, Kentucky, Louisiana, Michigan, Minnesota, Montana, Nebraska, Nevada, Ohio, Oklahoma, Oregon, Washington, and Wyoming Customers: Installment loans are originated by FinWise Bank, a Utah chartered bank, located in Murray, UT, Member FDIC.

Notice to Kansas, Tennessee and Texas Customers: Installment loans are originated by Capital Community Bank, a Utah chartered bank, located in Provo, UT, Member FDIC.

Application approvals and the amount of any credit for which you may be approved are subject to minimum income requirements and vary by state.

This is an expensive form of credit. RISE is designed to help you meet your borrowing needs. Appropriate emergencies might be a car repair, medical care for you or your family, or travel expenses in connection with your job. This service is not intended to provide a solution for all credit or other financial needs. Alternative forms of credit, such as a credit card cash advance, personal loan, home equity line of credit, existing savings or borrowing from a friend or relative, may be less expensive and more suitable for your financial needs. Refinancing may be available and is not automatic. Refinancing will result in additional charges.  We will never charge you any "hidden fees" that are not fully disclosed in your Agreement or the empty Rates & Terms. If you don’t make a payment on time we will attempt to contact you via one or more authorized methods. Because we report your payment history to one or more credit bureaus, late or non-payment of your debt may negatively impact your credit rating. If you fail to repay in accordance with your terms, we may place or sell your debt with a third-party collection agency or other company that acquires and/or collects delinquent consumer debt. Be sure you fully understand the terms and conditions of your credit before signing your agreement.

 

CHECK YOUR LOAN OPTIONS

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Checking your loan options will NOT affect your FICO® score.**
California Residents, view the RISE California Privacy Policy for information on what we collect.

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APR (Based on Credit)

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7-26 months

99% - 149%