The types of information we collect, and why we collect them, are described in our Data Collection policy. This page does not repeat those details.
1. Who We Are and Who This Policy Covers
In this policy, "River Valley Loans," "we," "us," and "our" mean Wahido Lending d/b/a River Valley Loans. This policy applies to current and former customers, to applicants, and to visitors to our website.
2. Our Privacy Notice
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.
We provide customers with a privacy notice as required by applicable law. That notice explains our sharing practices in a standard format and tells you which types of sharing you can limit. We may also send updated notices from time to time.
Please read it carefully, along with this policy.
3. How We Share Customer Information
We share customer information only as permitted by applicable law. The main reasons we share information include:
For everyday business purposes
We may share information to process your application and transactions, maintain and service your account, and respond to legal requirements. Examples include sharing information to verify your identity, to deposit your loan funds, and to process your payments.
With service providers
We may share information with companies that perform services on our behalf, such as payment processing, verification, communications, and technology support. These providers are expected to use the information only to perform services for us and to protect it.
For fraud prevention and security
We may share information to detect, prevent, or investigate fraud, identity theft, and other unlawful activity, and to protect our customers, our business, and others.
For legal reasons
We may share information when required or permitted by law. This includes responding to subpoenas, court orders, or requests from government authorities, and enforcing our agreements.
With affiliates or other companies
Any sharing with affiliates or with other companies for their own purposes, including marketing, is described in the privacy notice you receive. That notice also tells you whether you can limit such sharing and how.
In a business transfer
If all or part of our business is sold, merged, or transferred, customer information may be transferred as part of that transaction, subject to applicable law.
4. Your Choices and Opt-Out Rights
Where federal law gives you the right to limit certain types of sharing, you can exercise that right by contacting us. Your privacy notice describes which sharing you can limit.
To make a request:
- Contact us through our Contact Us page
- Tell us you want to limit sharing of your information
- Provide the details we need to identify your account
Your choice to limit sharing remains in effect unless you tell us otherwise, subject to applicable law. Limiting sharing does not affect sharing that the law allows without your consent, such as sharing needed to service your account.
5. Marketing Communications
If we send you marketing messages about our products and services, you can ask us to stop at any time by using the unsubscribe option in the message or by contacting us.
Even if you opt out of marketing, we will still send messages related to your application, loan, or account.
6. Your Rights Under Other Applicable Laws
Depending on where you live, you may have additional privacy rights under applicable law. These may include the right to request access to, correction of, or deletion of certain personal information.
To make a request, contact us. We may need to verify your identity before responding, and some requests may be limited where the law allows or requires us to keep certain information.
7. How We Protect Your Information
River Valley Loans uses security technology intended to keep customer information safe from unauthorized access. We expect the service providers we work with to protect information they receive from us.
8. Children's Privacy
Our website and services are intended for adults. We do not knowingly collect personal information from anyone under 18.
9. Links to Other Websites
Our website may reference websites operated by others. This policy does not apply to those websites. Please review the privacy policy of any website you visit.
10. Changes to This Policy
We may update this Privacy Policy from time to time. When we make changes, we will post the updated version on this page. When required by applicable law, we will also notify you directly.
11. Questions
If you have questions about this Privacy Policy or how your information is shared, please reach out through our Contact Us page.