TERMS OF USE
PLEASE READ THESE TERMS OF USE (“TERMS”) CAREFULLY. BY ACCESSING THIS SITE, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS. THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE AT ANY TIME AT OUR SOLE DISCRETION. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, YOU MAY NOT USE THE SITE OR SERVICES AND MUST DISCONTINUE YOUR USE OF THE SITE AND SERVICES.
To print our full Terms of Use, print this page. To view our full Privacy Policy, click here.
Ownership of Site
Welcome to www.indexloans.com (the “Site”). This Site is owned and operated by Index Loans LLC (“Index Loans,” “Index,” and “we,” and “us,” and “our”). These Terms govern your use of the Site and any products and services made available via the site (“Services”). Your compliance with these Terms is a condition to your use of the Site and Services. By using our Site or applying for a Service, you are agreeing to these Terms and the terms of our Privacy Policy.
Modifications
Index Loans reserves the right, at its sole discretion, to change, modify, add or remove portions of these Terms at any time. It is your responsibility to check these Terms periodically for changes. Your continued use of the Site following the posting of changes will mean that you accept and agree to the changes. As long as you comply with the Terms, Index Loans grants you a personal, non-exclusive, non-transferable, limited privilege to enter and use the site.
Site Requirements
To use the Site and to view documents presented in connection with certain of our Products, you will need:
- A Current Version (defined below) of an Internet browser we support;
- A connection to the Internet;
- A Current Version of a program that accurately reads and displays PDF files (which may be either a browser that supports native PDF rendering or a program such as Adobe Acrobat Reader); and
- A computer or mobile device and an operating system capable of supporting all of the above.
By “Current Version”, we mean a version of the software that we support and that is currently being supported by its publisher. We support the Current Version and, for a period of time (at least three (3) months), the version immediately prior to the Current Version of Firefox, Google Chrome, Microsoft Internet Explorer and Safari.
Intellectual Property
This Site, the content, any materials downloaded, and all intellectual property pertaining to or contained on the Site (including but not limited to copyrights, patents, database rights, graphics, designs, text, logos, trade dress, trademarks and service marks) are owned by Index Loans or third parties and all right, title and interest therein shall remain the property of Index Loans and/or such third parties (collectively, the “Content”). Content is protected by applicable trade dress, copyright, patent and trademark laws, and various other intellectual property rights and unfair competition laws.
You are authorized solely to view and retain a copy of the pages of the Site for your own personal, non-commercial use. You may also view and make copies of relevant documents, pages, images or other materials on this Site for the purpose of transacting business with Index Loans. You agree that you will not duplicate, publish, modify, create derivative works from, participate in the transfer of, post on the World Wide Web, or in any way distribute or exploit the Site, or any portion of the Site for any public or commercial use without the express written consent of Index Loans. Additionally, you agree that you will not (i) remove or alter any author, trademark or other proprietary notice or legend displayed on the Site (or printed pages produced from the Site); and (ii) make any other modifications to any documents obtained from the Site other than in connection with completing information required to transact business with Index Loans.
Digital Millennium Copyright Act Notice – How to Provide Notice of Alleged Copyright Infringement
You may not use the Site for any purpose or in any manner that infringes the rights of any third party. In accordance with the Digital Millennium Copyright Act of 1998 (the “DMCA“), we have a designated agent for receiving notices of copyright infringement and we follow the notice and take down procedures of the DMCA. We may terminate your access to the Site in the event of repeated violations.
Procedure
If you believe that your work has been copied in a way that constitutes copyright infringement, please provide our copyright agent the following information as required by the DMCA: (a) a physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; (b) identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site; (c) identification of the material that is claimed to be infringing or to be the subject of infringing activity and information reasonably sufficient to permit us to locate the material; (d) information reasonably sufficient to permit us to contact you (e.g. your name, email address and phone number); (e) a statement that you have a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and (f) a statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. It is often difficult to determine if your intellectual property rights have been violated. We may request additional information before we remove any allegedly infringing material. Please direct copyright infringement notifications to our DMCA Agent via email at Legal@IndexLoans.com or by mail at:
Legal Department
Index Loans, LLC
130 East Randolph, Suite 3400
Chicago, IL 60601
Phone: (312) 212-8079
Email: Legal@IndexLoans.com
Registration
Generally, you will be able to access and browse the Site without creating an account. However, the use of certain Site features may require you to register and create a username and password in order to access those features and portions of the Site. When you register an account on our Site, you are solely responsible for: (i) authorizing, monitoring, controlling access to and maintaining the confidentiality of your username and password; (ii) informing us, in writing or calling, of any need to deactivate a username due to security, confidentiality or other concerns; and (iii) any charges or damages that may be incurred by the use of your username or password, for any reason, until such time that you tell us to deactivate your account or other such notification that your account has been compromised or such other unauthorized use. We are not liable for any harm related to any authorized or unauthorized use of your username or password.
Information Collected and Used
Information You Provide Us
We collect information you provide to us, for example when you create or modify your account, register to use our Site, purchase products or services from us, request information from us, contact customer support, or otherwise communicate with us. This information may include: name; home address; email address; home, work, and mobile telephone numbers; bank and/or other account numbers; date of birth; Social Security Number; driver’s license or other national, state, or government ID numbers; and salary and other financial information.
Information We Collect Automatically
Location / Geolocation Information and Your Internet Protocol (IP) address.
Information We Collect Through Your Use of Our Site
Google Analytics
We use Google Analytics, a web analytics service provided by Google LLC (“Google”) to collect certain information relating to your use of the Site. Google Analytics uses “cookies”, which are text files placed on your computer, to help the Site analyze how users use the Site. You can find out more about how Google uses data when you visit our Site by visiting “How Google uses data when you use our partners’ sites or apps”, (located at www.google.com/policies/privacy/partners/). We may also use Google Analytics Advertising Features to provide you with interest-based advertising based on your online activity. For more information regarding Google Analytics, please visit Google’s website, and pages that describe Google Analytics, such as www.google.com/analytics/learn/privacy.html.
Information Collected Through Cookies and Similar Technologies
We and our service providers use cookies, web beacons, and other technologies to receive and store certain types of information whenever you interact with our Site through your computer, tablet, or mobile device. A cookie is a small file containing a string of characters that is sent to your computer when you visit a website. When you visit the website again, the cookie allows the website to recognize your browser. Cookies may store unique identifiers, user preferences and other information. You can reset your browser to refuse all cookies or to indicate when a cookie is being sent. However, some website features or services may not function properly without cookies. We use cookies to improve the quality of our service, including to store user preferences, and track user trends.
Advertising
We may use how you browse in order to show you ads for Index Loans that are more relevant to your interests. We may use cookies and other information to provide relevant interest-based advertising to you. Interest-based ads are ads presented to you based on your browsing behavior in order to provide you with ads more tailored to your interests. These interest-based ads may be presented to you while you are browsing our Site or third-party sites not owned by OppLoans.
We belong to ad networks that may use your browsing history across participating websites to show you interest-based advertisements on those websites. Currently, our Site does not recognize if your browser sends a “do not track” signal or similar mechanism to indicate you do not wish to be tracked or receive interest-based ads. You can opt-out of receiving interest-based ads from us by clicking on the “ad choices” icon near the advertisement and selecting the marketing activities of which you would like to opt-out. To learn more about interest-based advertisements and your opt-out rights and options, visit the Digital Advertising Alliance and the Network Advertising Initiative websites (www.aboutads.info and www.networkadvertising.org/managing/opt_out.asp), or by clicking the “ad choices” icon by the advertisement and selecting what types of advertisement you wish to opt out of. Please note that if you choose to opt out, you may continue to see ads on our Site, but they will not be based on how you browse and shop.
Social Media
Our Site includes or may include “Social Media Features” such as the Facebook “Like” button and “Widgets,” such as the “Share” button or interactive mini-programs that run on our Site. These features may collect your IP address and which page you are visiting on our Site and may set a Cookie to enable the Social Media Feature to function properly. Social Media Features and Widgets are either hosted by a third-party or hosted directly on our Site. Your interactions with these Social Media Features are governed by the terms and privacy policy of the company providing it. We do not control, and we are not responsible for the use of your personal information by these third-party sites.
Monitoring
Your use of the products and services on this Site may be monitored by us, and that the resultant information may be used by us for our internal business purposes or in accordance with the rules of any applicable regulatory or self-regulatory organization.
Privacy
Our Privacy Policy applies to our use of your personal information, and its terms are expressly incorporated by reference. For more information on how we collect, share, and protect your personal information, please visit our Privacy Policy.
Site Security
We use industry standard physical, technical, and administrative security measures and safeguards to protect the confidentiality and security of your information. You acknowledge that the use of a username and password is an adequate form of security. You further acknowledge and agree that internet transmissions are never completely private or secure and that any message or information that you may send to the Site may be read or intercepted by others, notwithstanding our efforts to protect such transmissions.
As a condition of your use of the Site, you agree that you will not take any action intended to: (i) access data that is not intended for you; (ii) invade the privacy of, or obtain the identity of, or obtain any personal information about any Index Loans customer or user of this Site; (iii) probe, scan or test the vulnerability of this Site or the Index Loans network or breach security or authentication measures without proper authorization; (iv) attempt to interfere with service to any user, host, or network or otherwise attempt to disrupt our business, including without limitation, via means of submitting a virus to this Site, overloading, “flooding,” “spamming,” “mail bombing,” or “crashing;” or, (v) send unsolicited mail, including promotions and/or advertising of products and services. Violations of system or network security may result in civil or criminal liability.
Electronic Communications
When you visit the Site or send emails to us, you are communicating with us electronically and consent to receive communications from us electronically to the extent permissible by law. We will communicate with you by email or by posting notices to this Site. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing to the extent permissible by law. By submitting your email to us, you agree that we may send emails to you for the purpose of advising you of changes or additions to the Site, about any of our products or services, or for such other purposes as we deem appropriate and as permissible by law.
Submissions, Reviews, Feedback and other Postings to the Site
If you submit, upload or post any comments, ideas, suggestions, information, files, images or other materials to us or the Site, or if you submit any materials through third party services, such as by tagging us on Instagram (collectively, “Submissions”), you represent and warrant that you are the owner of or have the necessary rights and licenses to provide such Submissions. You further agree to, and hereby grant to us, a royalty-free, irrevocable, and fully transferable right and license to use the Submissions at our discretion and to use your name as provided in connection with your Submission or as set forth in your account. Please do not provide any Submissions that (i) are abusive, unlawful, obscene, or harmful, or that could encourage criminal or unethical behavior, (ii) violate or infringes the intellectual property or privacy rights of any person or entity, or (iii) contain or transmit a virus or any other harmful component. We take no responsibility and assume no liability for any Submissions provided by you or any third party, and under no circumstances shall we be liable for any user Submissions, including, but not limited to any loss or damage that results from the Submissions being transmitted or made available on the Site or through the use of the Site and Services. OppLoans shall not be subject to any obligations of confidentiality regarding such Submissions except as may be expressly agreed in writing by Index Loans or as otherwise specifically required by law.
Terms Specific to Loan Products Offered through the Site
Applications submitted on this website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Sandy, UT, member FDIC; Index LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by Index Loans.
California Residents. A married applicant may apply for a separate loan.
Ohio Residents. The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Married Wisconsin Residents. If you are married: (1) you confirm that any loan application that you make is made on behalf of your marriage or family; (2) no provision of any marital property agreement, unilateral agreement, or court decree under Wisconsin’s Marital Property Act will adversely affect a creditor’s interest unless prior to the time credit is granted, the creditor is furnished a copy of that agreement or decree or is given complete information about the agreement or decree; (3) you understand and agree that we will provide a copy of any loan agreement to your spouse for his or her information.
Notice to Service-members. Service-members on “active duty” or “active service” may be entitled to certain legal protections and debt relief pursuant to the Service-members Civil Relief Act (SCRA). For questions about the SCRA, service-members should contact their unit’s Judge Advocate, or their installation’s Legal Assistance Officer. A military legal assistance office locator for all branches of the Armed Forces is available at https://www.militaryonesource.mil/financial-legal/legal/.
Terms Specific to Index Loans Blog
Our blog are provided for free and are to be used for educational purposes only. We are not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act and we do not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit. Articles provided in connection with our blog are general in nature, provided for informational purposes only and are not a substitute for individualized professional advice. We make no representation that we will improve or attempt to improve your credit record, history, or rating through the use of the resources provided through our blog.
Disclaimer
INDEX LOANS DOES NOT PROMISE THAT THE SITE OR ANY CONTENT, DOCUMENT OR FEATURE OF THE SITE WILL BE ERROR-FREE OR UNINTERRUPTED, OR THAT ANY DEFECTS WILL BE CORRECTED OR THAT YOUR USE OF THE SITE WILL PROVIDE SPECIFIC RESULTS. THE MATERIAL IN THIS SITE COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. THE SITE AND ITS CONTENT ARE DELIVERED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. ALL INFORMATION PROVIDED ON THE SITE IS SUBJECT TO CHANGE WITHOUT NOTICE. INDEX LOANS CANNOT ENSURE THAT ANY FILES, DOCUMENTS OR OTHER DATA YOU DOWNLOAD FROM THE SITE WILL BE FREE OF VIRUSES OR CONTAMINATION OR DESTRUCTIVE FEATURES. INDEX LOANS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF ACCURACY, NON-INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. OPPLOANS DISCLAIMS ANY AND ALL LIABILITY FOR THE ACTS, OMISSIONS AND CONDUCT OF ANY THIRD PARTIES IN CONNECTION WITH OR RELATED TO YOUR USE OF THE SITE. YOU ASSUME TOTAL RESPONSIBILITY FOR YOUR USE OF THE SITE AND ANY LINKED SITES. YOUR SOLE REMEDY AGAINST OPPLOANS FOR DISSATISFACTION WITH THE SITE OR ANY CONTENT IS TO STOP USING THE SITE OR ANY SUCH CONTENT. THIS LIMITATION OF RELIEF IS A PART OF THE BARGAIN BETWEEN THE PARTIES.
LIMITATION OF LIABILITY
EXCEPT WHERE PROHIBITED BY LAW, NEITHER INDEX LOANS, NOR ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, SUCCESSORS OR ASSIGNS OF EACH, SHALL BE LIABLE TO YOU FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, EVEN IF OPPLOANS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. UNLESS OTHERWISE EXPRESSLY SET FORTH IN A WRITTEN AGREEMENT WITH YOU, OPPLOANS’S MAXIMUM LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THIS SITE, OR ITS CONTENT, WHETHER IN CONTRACT, TORT OR OTHERWISE SHALL BE LIMITED TO THE AMOUNT YOU PAID TO ACCESS THIS SITE.
Some jurisdictions do not allow limitations of liability, so the foregoing limitation may not apply to you.
Enforceability and Governing Law
This Site is located in the State of Illinois with regard to the use of the Site. These Terms and the relationship between you and Index Loans shall be governed by the laws of the State of Illinois without regard to its conflicts of law provisions with regard to the use of the Site. You agree to the personal jurisdiction by and venue in the state and federal courts in Cook County, Illinois, and agree and consent that such courts are the exclusive forum for litigation of any claim or cause of action arising out of or relating to your use of this Site or the Content with respect to the Site. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or relating to your use of this Site or the Content must be filed within one year after such claim or cause of action arose or be forever barred.
Information From Children
You must be 18 years old to use the Index Loans Site. Index Loans does not knowingly collect information from anyone under the age of 18, and we do not offer loans to anyone under age 18.
Indemnification
You agree to defend, indemnify and hold Index Loans and its affiliates and its and their directors, officers, employees, agents, contractors, successors or assigns thereof harmless from and against all third party claims, damages and expenses (including reasonable attorneys’ fees) against or incurred by us arising out of your breach of these Terms or violation of applicable law, any of your Submissions, your use of or access to the Site, or access by anyone accessing the Site using your account. We reserve the right to assume or participate, at your expense, in the investigation, settlement and defense of any such action or claim.
Third Party Sites / Links
This Site may contain links to sites maintained by third parties. Index Loans is not responsible for the content or privacy policies of those sites, and the existence of such links should not be considered an endorsement or recommendation of those sites or of any product or service offered on those sites or of any party that is associated with those sites. Please note that other sites and webpages linked to or from this Site may be governed by separate terms and conditions, including privacy policies. Please refer to the applicable terms and conditions and privacy policies of those sites and webpages when visiting them.
Additional Terms
Certain features or Services available through the Site may be subject to additional terms, which will be presented to you at that time. In the event of a conflict between these Terms and such additional terms, the additional terms will govern solely with respect to such features and Services. Such additional terms are expressly incorporated into and made part of these Terms.
Severability
Any failure by Index Loans to exercise any rights or enforce any of these Terms shall not constitute a waiver of such rights or terms with regard to the use of the Site. If any provision of these Terms or their application in a particular circumstance is held to be invalid or unenforceable to any extent, the remainder of these Terms of Use, or the application of such provision in other circumstances, shall not be affected thereby, and each provision hereof shall be valid and enforced to the fullest extent permitted by law. These Terms of Use constitute the entire agreement between you and Index Loans with regard to your use of the Site, and any and all other written or oral agreements or understandings previously existing between you and Index Loans with respect to such use are hereby superseded and cancelled.
Information we collect
The Personal Information we collect about you comes from account applications, forms, and other materials that you submit throughout the course of your relationship with us. We may also collect information about your transactions and experiences with us relating to the products and services we provide to you. Additionally, depending on the products or services you request, we may obtain information about you, including your credit history, from third-party sources, such as consumer reporting agencies.
We collect information when you contact us, such as when you call us for customer service or when you e-mail us.
Generally, you will be able to access and browse our Site without creating an account. However, the use of some Site features may require you to create an account. When you register for an account, we may collect:
- Your name, home address, e-mail address, home and/or mobile telephone number;
- Any username, password, or other access credentials;
- Your date of birth;
- Marital status (Wisconsin only);
- Personal identifiers such as Social Security Number, driver’s license, or state identification number;
- Employment information, such as the name, address, and telephone number of your employer;
- Military service history;
- Deposit account information such as account and routing numbers; and – Any other optional information you may choose to provide us.
You are not required to supply any of the Personal Information that we may request. However, failure to do so may mean that we are unable to open or maintain your account or to provide services to you.
We automatically collect certain information when you use our Site. This information may include:
- “Clickstream” data, including information regarding which of our web pages you access, the frequency of such access, and your product and service preferences;
- Device information, including hardware model, operating system,
browser, or IP address; and – Mobile device information, including telephone number, the unique device identifier assigned to that device, mobile carrier, or other device attributes.
Cookie & Analytics
Technologies such as cookies, beacons, tags, and scripts are used by Index Loans and our analytic partners or service providers.
These technologies are used in authenticating your user settings,
administering the Site, tracking users’ movements around the Site,
analyzing trends, and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis. We may also allow other third-parties to use cookies and other tracking technologies on our Site.
Users may be able to control the function of some cookies through your browser settings. However, if you reject cookies, you may still use our Site, but your ability to use some features or areas of our Site may be limited.
The Site is not currently configured to respond to Do Not Track signals.
Third Party Data Collection
When you visit the Site, your browser may be momentarily directed to the website of an ad server or other third-party service provider. This re-direction process will not be apparent to you. These third-party websites automatically receive your IP address when this happens, and they may also collect information from your interaction with our Site including computer and connection information, standard web log information, and ad information. Such information does not identify you individually. We do not control these third-parties’ tracking technologies or how they may be used. If you have questions about the collection or use of your information by these third-parties, please contact them directly. Some of these third-parties may provide you with ways to choose not to have your information collected or used for advertising purposes.
If you log into our Site through an account created with a third-party website (e.g, Facebook, Yelp, or LinkedIn), that third-party website may send us information about you, depending on the privacy settings that you have in place with that third-party website. Any information collected will be subject to the privacy policies of these third-party websites.
How we use your information
We may use your Personal Information to:
- Administer, operate, facilitate, and manage your relationship and/or account with Index Loans. This may include sharing such information internally as well as disclosing it to our third-party service providers;
- Evaluate your eligibility for products provided by or through Index Loans;
- Contact you or, if applicable, your designated representative(s) by mail, telephone, e- mail, facsimile, etc., in connection with our relationship and/or account;
- Provide you with information, recommendations, advertisements, or advice concerning products and services offered by Index Loans and tailor the types of information we choose to send or display to you;
- Facilitate our internal business operations, including assessing and managing risk and fulfilling our legal and regulatory obligations;
- Better understand how users access and use our Site;
- Improve Site performance;
- Notify you about changes to our Site or policies;
- Respond to your requests and otherwise fulfill any purpose for which you provide it to us;
- Effectuate or enforce a transaction or agreement; or – For any other business purposes permitted under the law.
Disclosure of Your Personal Information
Index Loans does not disclose your Personal Information to third-parties, except as described in this Policy. Third-party disclosures may include sharing such information with non-affiliated companies that perform support services for your account or facilitate your transactions with us, including those that provide professional,
legal, or accounting advice to us.
If you apply and are denied a loan, you may be given the option to allow us to share your Personal Information with third-parties who may be interested in offering you credit. In such cases, Index Loans may sell or otherwise provide that Personal Information to third parties, as authorized by you.
We may also disclose your Personal Information to fulfill your instructions, to protect our rights and interests and those of our business partners, for any other purpose disclosed by us when you provide the information, or pursuant to your express consent.
Under limited circumstances, your Personal Information may be disclosed to third-parties as permitted by, or to comply with, applicable laws and regulations, for instance, when responding to a subpoena or similar legal process, to protect against fraud, or otherwise cooperate with law enforcement or regulatory authorities. We may also disclose your information if we believe it is necessary to protect the rights,
property, or safety of Opportunity Financial, our customers or others,
or to enforce our contractual rights.
In the event of a merger, divestiture, restructuring, reorganization,
dissolution, or other sale or transfer of any or all of Index Loans’ assets, some of your Personal Information held by us may be among the assets transferred to a buyer or other successor.
Accessing Your Information
While we make every effort to ensure that all information we hold about you is accurate, complete, and up-to-date, you can help us by promptly notifying us if there are any changes to your information. When our customers create an online profile, you will be able to view and change many aspects of your account information by logging in with your online access credentials.
Information Security - How we Protect Your Privacy
We are committed to protecting the privacy and confidentiality of your Personal Information. We limit access to your Personal Information to authorized employees or agents and we expect our service providers to limit their use of your Personal Information. We also maintain physical,
technical, and administrative safeguards to protect your Personal Information against loss, misuse, damage or modification, and unauthorized access or disclosure.
Social Media
Our Site includes or may include “Social Media Features”, such as the Facebook “Like” button and “Widgets,” such as the “Share” button or interactive mini-programs that run on our Site. These Features may collect your IP address and which page you are visiting on our Site and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third-party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it. We do not control and we take no responsibility for the use of your Personal Information by these third-party sites.
Third Party Links
At times, our Site may contain links to other third-party websites. Any access to and use of such linked sites is not governed by this Privacy Policy but, instead, is governed by the privacy policies of those third-party websites. We are not responsible for the information practices of such third-party websites. We encourage you to review the privacy policies of these third-party sites before you disclose your Personal Information.
Childrens Privacy
The information and services provided by us on our Site are not intended for children. We do not knowingly collect, use, or share any information from anyone under the age of 13 years. If we become aware that a child under 13 provided us with Personal Information, we take steps to delete such Personal Information.
Other Privacy Policies or Statements Changes to Policy
This Privacy Policy provides a general statement of the way in which Index Loans protects your Personal Information. You may,
however, in connection with specific products or services offered by Index Loans, be provided with privacy policies or statements that supplement this Policy. This Policy may be changed from time to time to reflect changes in our practices concerning the collection, use, and sharing of Personal Information. The revised Privacy Policy will be effective immediately upon posting to the Site. Your continued use of the Site after we make changes is deemed to be acceptance of those changes, so please check the Privacy Policy periodically for updates.
Contact Us
If you require further information regarding our privacy policies and practices, please contact:
130 E Randolph St
Suite 3400
Chicago, IL 60601
This version of the Privacy Policy is effective August 11, 2021.
Facts
FACTS | WHAT DOES INDEX LOANS 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:
When you are no longer our customer, we continue to share your information as described in this notice. |
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 Index Loans chooses to share; and whether you can limit this sharing. |
Reasons we can share your personal information | Does Index Loans 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 |
Questions | Call “(800) 990-9130” or go to www.indexloans.com |
---|---|
To limit our sharing | Call (800) 990-9130 Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent 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. |
What We Do
HOW DOES INDEX LOANS 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 INDEX LOANS COLLECT MY PERSONAL INFORMATION
We collect your personal information, for example, when you
- apply for a loan or give us your contact information
- show your driver’s license or provide employment information
- give us your income 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 – 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.
Who We Are
Who is providing this notice?
Index Loans, LLC (“Index Loans”)
Definitions
AFFILIATES
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Our affiliates include companies with an OppLoans name, and financial companies, such as Opportunity Financial, LLC, Opportunity Manager, LLC and Opportunity Funding SPE, LLC.
NONAFFILIATES
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Non-affiliates we share with may include financial service providers, non-financial companies, and other businesses.
JOINT MARKETING
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Joint marketing partners may include financial service providers and other businesses.
Other Important Information
NOTICE TO CALIFORNIA RESIDENTS.
Under California law, we will not share information we collect about you with companies outside of Index Loans, LLC, unless the law allows. For example, we may share information with your consent or to service your account. We will limit sharing to the extent required by California law.
NOTICE TO NEVADA RESIDENTS.
We are providing you this notice pursuant to Nevada law. You may be placed on our internal Do Not Call List by calling (855) 408-5000 or by writing to us at 130 E. Randolph St., Ste. 3400, Chicago IL 60601. For more information, contact us at the address above or email help@indexloans.com. You may also contact the Nevada Attorney General’s office: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Ste. 3900, Las Vegas, NV 89101;
telephone number: (702) 486-3132; email BCPINFO@ag.state.nv.us.
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