Wisconsin Privacy Policy - Facts

What does Wisconsin Acceptance, LLC (“Lender”) do with your personal information?

Why?

Financial companies must disclose 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.  This Privacy Policy applies to Lender, and its affiliated website. Please read this notice carefully.

What?

This privacy policy covers all of your personally identifiable information. The types of personal information we collect and share may depend on the product or service you have with us.  This information can include:

  • Social Security number, bank account, and debit card information
  • account balances and income
  • payment history and credit history
  • Cell phone number, employment information

How?

All financial companies need to share customers' personal information to run their everyday business.  In the section below, we list the types of sharing of customers' personal information, how we share, and whether you can limit this sharing.


Reasons we can share your personal information and to whom:

Does Lender share?

To whom is information shared with
Can you limit this sharing?

For our everyday business purposes - such as to verify your personal information, to approve and process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.

Yes

3rd Party processors and providers who have a duty of confidentiality, to courts when an order is received, and to major consumer credit reporting agencies such as CL Verify.

No

For our marketing purposes - to offer our products and services to you.

Yes

3rd party providers such as email services and text message providers who have an obligation of confidentiality. 


Email: No, Text: Yes.

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 credit worthiness.

Yes

No

For our affiliates to market to you.

Yes

Yes

For nonaffiliates to market to you.

Yes

Yes


To limit sharing

Please note: If you are a new customer, we begin sharing your information for business purposes immediately. We will not share your information to unrelated companies for the purpose of marketing their goods and services to you for 30 days from the date you receive this notice.  When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing as provided for in this privacy policy, allowing us enough time to act on your request. Questions call 312–888-4884 or go to www.acceptancesolutionsgroup.com


Who we are

Who is providing this notice?

Wisconsin Acceptance, LLC (“Lender”) is providing this privacy policy and it applies to all loans made by Lender via the Website and all products and services offered in connection with such loans.


What we do

How does Lender protect my personal information?

We take your privacy very seriously. To protect your personal information from unauthorized access and use, all files are protected by SSL encryption, the industry security standard, and all networks are secured by firewalls. Data is stored on secure servers using highest commercial standards, and any documents are protected in locked offices in locked cabinets with security cameras. Only those employees with a need to access your information may do so. All employees and vendors are subject to a duty of confidentiality.

How does Lender collect my personal information?

We collect your personal information, for example, when you

  • Apply for a loan or other product or service from us
  • Give us your income information
  • Your Banking History
  • Provide account information
  • Provide employment information

We also collect your personal information from third party vendors, such as credit bureaus, affiliates or other companies under a permissible purpose under the FCRA.

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
  • sharing for non-affiliates 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

Companies related by common ownership or control.  They can be financial and nonfinancial companies.

Non-affiliates

Companies not related by common ownership or control.  They can be financial and nonfinancial companies.

  • Non-affiliates we share with can include service providers.

Joint marketing

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

  • Our joint marketing partners can include institutions such as other lenders, lead providers and other service providers.

Other important information

California residents - California law requires financial institutions to obtain your consent prior to sharing information about you with non-affiliated third parties.  Except as permitted by law, we will not share information we collect about you with non-affiliated third parties while you are a resident of California.

Vermont residents - Vermont law requires financial institutions to obtain consent prior to sharing personal, financial information about you with others.  Except as permitted by law, we will not share information we collect about you with non-affiliated third parties or companies in our corporate family unless you call us at 312–888-4884 and authorize us to do so.

As of 07/17/2014

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