Privacy Policy

1. Introduction

NetCredit, a subsidiary of Enova International, Inc., is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website, apply for our products, or use our services.

By accessing or using NetCredit's services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree with our policies and practices, please do not use our services.

2. Information We Collect

2.1 Personal Information You Provide

When you apply for a loan or line of credit, we collect information you voluntarily provide, including:

• Identity Information: Full name, date of birth, Social Security Number, government-issued ID
• Contact Information: Email address, phone number, physical address
• Financial Information: Bank account information, income details, employment information, credit history
• Application Information: Loan amount requested, purpose of loan, housing payment information

2.2 Information Collected Automatically

When you visit our website or use our services, we automatically collect certain information:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Information: Pages viewed, time spent on pages, links clicked, referring/exit pages
• Location Data: General geographic location based on IP address
• Cookies and Similar Technologies: Data collected through cookies, web beacons, and similar tracking technologies

2.3 Information from Third Parties

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

• Credit Bureaus: Credit reports and credit scores from Experian, Equifax, and TransUnion
• Identity Verification Services: Information to verify your identity and prevent fraud
• Banking Partners: Account verification and transaction information
• Data Analytics Providers: Aggregated consumer information to improve our services

3. How We Use Your Information

We use the information we collect for the following purposes:

3.1 To Provide Our Services

• Process your loan or line of credit application
• Verify your identity and prevent fraud
• Assess your creditworthiness and ability to repay
• Fund approved loans and manage your account
• Process payments and manage collections
• Provide customer service and support

3.2 To Improve Our Services

• Analyze website usage and user behavior
• Conduct research and data analysis
• Develop new products and services
• Test and improve our website functionality
• Personalize your experience

3.3 To Communicate With You

• Send transaction confirmations and account updates
• Provide customer service communications
• Send marketing communications (with your consent)
• Request feedback or reviews
• Send important notices about changes to our services or policies

3.4 For Legal and Security Purposes

• Comply with legal obligations and regulatory requirements
• Enforce our Terms of Service and other agreements
• Protect against fraud, security threats, and illegal activity
• Respond to law enforcement requests and legal proceedings
• Protect the rights, property, and safety of NetCredit, our customers, and others

4. Information Sharing and Disclosure

We do not sell your personal information. We may share your information in the following circumstances:

4.1 Service Providers

We share information with third-party service providers who perform services on our behalf, including:

• Payment processors and banking partners
• Credit reporting agencies
• Identity verification and fraud prevention services
• Marketing and advertising partners
• Customer service and communication platforms
• IT service providers and data analytics companies

These service providers are contractually obligated to protect your information and use it only for the purposes we specify.

4.2 Lending Partners

NetCredit loans may be originated by one of our lending partner banks. When this occurs, we share your information with the originating bank as necessary to facilitate your loan.

4.3 Corporate Affiliates

We may share information with our parent company, Enova International, Inc., and other affiliated companies for business purposes, customer service, and marketing (where permitted by law).

4.4 Legal Requirements

We may disclose your information when required by law, including:

• In response to subpoenas, court orders, or legal processes
• To comply with federal and state lending regulations
• To cooperate with law enforcement investigations
• To protect our legal rights and property
• In connection with fraud prevention and security investigations

4.5 Business Transfers

If NetCredit is involved in a merger, acquisition, bankruptcy, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change and any choices you may have regarding your information.

5. Data Security

We take the security of your personal information seriously and have implemented appropriate technical and organizational measures to protect it.

5.1 Security Measures

• Encryption: We use 256-bit SSL encryption to protect data transmitted between your device and our servers
• Secure Storage: Personal information is stored on secure servers with restricted access
• Access Controls: Only authorized employees with a legitimate business need can access your information
• Regular Audits: We conduct regular security audits and vulnerability assessments
• Employee Training: Our staff receives regular training on data security and privacy practices
• Incident Response: We maintain an incident response plan to address potential security breaches

5.2 Your Responsibility

While we implement strong security measures, you also play a role in protecting your information:

• Choose a strong, unique password for your account
• Never share your login credentials with others
• Log out of your account when using shared devices
• Keep your contact information up to date
• Report any suspicious activity immediately

6. Your Privacy Rights

You have certain rights regarding your personal information. These rights may vary depending on your state of residence.

6.1 Access and Correction

You have the right to access and correct your personal information. You can:

• Log into your account to view and update your information
• Contact our customer service team to request corrections
• Request a copy of the personal information we hold about you

6.2 Opt-Out Rights

You have the right to opt out of certain uses of your information:

• Marketing Communications: Unsubscribe from promotional emails by clicking the unsubscribe link or contacting us
• Targeted Advertising: Opt out of interest-based advertising through industry opt-out tools
• Information Sharing: In some states, you can opt out of certain information sharing practices

6.3 State-Specific Rights

California Residents: Under the California Consumer Privacy Act (CCPA), you have additional rights including:

• Right to know what personal information we collect, use, and share
• Right to request deletion of your personal information
• Right to opt out of the sale of personal information (note: we do not sell personal information)
• Right to non-discrimination for exercising your privacy rights

Other State Residents: Residents of certain other states may have similar rights under state privacy laws. Contact us to learn about your specific rights.

6.4 Exercising Your Rights

To exercise any of these rights, please contact us using the information provided in the Contact Us section. We may need to verify your identity before fulfilling your request.

7. Cookies and Tracking Technologies

7.1 What Are Cookies?

Cookies are small text files stored on your device when you visit our website. We use cookies and similar tracking technologies to enhance your experience, analyze usage, and deliver personalized content.

7.2 Types of Cookies We Use

• Essential Cookies: Required for website functionality and security
• Performance Cookies: Help us understand how visitors use our website
• Functional Cookies: Remember your preferences and settings
• Advertising Cookies: Deliver relevant advertisements and measure campaign effectiveness

7.3 Managing Cookies

You can control cookies through your browser settings. However, disabling certain cookies may limit your ability to use some features of our website. Most browsers allow you to:

• View and delete cookies
• Block all cookies
• Block third-party cookies
• Receive notifications before cookies are stored

7.4 Do Not Track

Our website does not currently respond to "Do Not Track" signals from browsers. However, you can control tracking through your browser settings and opt-out tools.

8. Children's Privacy

NetCredit services are not intended for individuals under 18 years of age (or 19 in Alabama and Delaware, 21 in Mississippi). We do not knowingly collect personal information from children.

If we become aware that we have collected personal information from a child without proper consent, we will take steps to delete that information as quickly as possible. If you believe we have collected information from a child, 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, technology, legal requirements, or other factors. When we make changes, we will:

• Update the "Last Updated" date at the top of this policy
• Post the revised policy on our website
• Notify you of significant changes via email or prominent notice on our website

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information. Your continued use of our services after changes are posted constitutes your acceptance of the updated policy.

10. Contact Us

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

By Mail:

NetCredit
Privacy Department
175 W. Jackson Blvd., Suite 600
Chicago, IL 60604

By Phone:

(877) 392-2014
Monday - Friday: 8 AM - 9 PM CT
Saturday: 8 AM - 5 PM CT

By Email:

privacy@netcredit.com