Policy on Responsible Lending

trustedloan.org wants consumers to be educated, make smart financial decisions, and to be protected from malicious personal consumer lenders and other unsavory businesses that engage in unlawful and unethical lending practices.

Trust and Truth

trustedloan.org's policies and practices conform to applicable provisions of fair lending laws like the Truth in Lending Act. Before a consumer enters into a loan agreement, the lender should provide you in writing (this can be electronically) with the exact fees, rates, charges, roll over charges and other details. Visit the Rates and Fees section of this website to learn about current regulations and laws in your state.

Fair Lending

The Dodd-Frank Wall Street Reform Act states that all lenders must engage in "fair lending" practices. The Consumer Financial Protection Bureau enforces fair lending rules and regulations.

Current State Regulations

trustedloan.org encourages lenders to follow applicable federal and state regulations. This includes conformity with local laws regarding interest rates, maximum loan terms, rollover limits, fees, cooling-off periods in between loans, and other loan terms. Lenders that are an extension of a federally recognized Indian Tribe act as independent sovereign nations and may not be required to follow local laws regarding rates, fees and other loan terms, although such lenders conform to federal lending laws including the Truth in Lending Act.

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FACTS	WHAT DOES trustedloan.org 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 checking account information Transaction history and income Credit history and account balances
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 trustedloan.org chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does trustedloan.org 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

Who are we
Who is providing this notice?	trustedloan.org (dba trustedloan.org)
What do we do
How does trustedloan.org 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 trustedloan.org collect my personal information?	We collect your personal information, for example, when you Submit a loan request Provide your contact information Request help obtaining a loan 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 you Sharing for nonaffiliates to market 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.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Policy on Responsible Lending

Trust and Truth

Fair Lending

Terms of Use

Products and Services

Esign Consent

Loan Inquiry Policy

Credit References

Restrictions

Compliance With Laws

Intellectual Property

Limitation of Liability and Disclaimer of Warranties

Third Party Content

Privacy

Security

Site Use

Law and Venue

Binding Arbitration

Modification

Indemnification

Violation of the terms of use

Class Action Waiver

Miscellaneous

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Privacy Policy