Introduction
OneMain Financial Group, LLC and its affiliates ("OneMain Financial," "we," "us," or "our") are committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information when you visit our website, apply for a loan, or use our services.
By using our website or services, you consent to the practices described in this Privacy Policy. Please read this policy carefully to understand our practices regarding your personal information.
Scope of This Policy
This Privacy Policy applies to information collected through our website (www.omf.com), mobile applications, branch locations, and any other means by which you interact with OneMain Financial.
Information We Collect
We collect several types of information from and about you, including:
Personal Information
- Identity Information: Name, date of birth, Social Security Number, driver's license number
- Contact Information: Address, email address, phone number
- Financial Information: Income, employment information, bank account details, credit history
- Loan Information: Loan amount requested, loan purpose, collateral information
Automatically Collected Information
- IP address and device identifiers
- Browser type and operating system
- Pages visited and time spent on our website
- Referring website addresses
- Location data (with your consent)
Information from Third Parties
- Credit reports from credit bureaus
- Identity verification services
- Public records and databases
- Marketing partners and data providers
How We Use Your Information
We use the information we collect for various purposes, including:
To Provide Our Services
- Process loan applications and determine eligibility
- Verify your identity and prevent fraud
- Service your loan and manage your account
- Communicate with you about your loan and account
To Improve Our Services
- Analyze website usage and improve user experience
- Develop new products and services
- Conduct research and analysis
For Marketing and Communications
- Send promotional offers and product information (with your consent)
- Personalize your experience on our website
- Respond to your inquiries and provide customer support
For Legal and Compliance Purposes
- Comply with applicable laws and regulations
- Respond to legal requests and court orders
- Protect our rights and the safety of others
Information Sharing
We may share your information with:
Service Providers
Third-party companies that perform services on our behalf, such as payment processing, data analysis, email delivery, hosting services, customer service, and marketing assistance.
Affiliates
Our parent company, subsidiaries, and affiliated companies for purposes consistent with this Privacy Policy.
Business Partners
Companies with whom we partner to offer products or services that may be of interest to you (with your consent where required).
Legal and Regulatory
Government agencies, law enforcement, and other parties when required by law or to protect our rights.
We Never Sell Your Personal Information
OneMain Financial does not sell your personal information to third parties for their marketing purposes. Your trust is important to us.
Data Security
We take the security of your personal information seriously and implement appropriate technical and organizational measures to protect it.
Security Measures
- Encryption: We use 256-bit SSL encryption to protect data transmitted to and from our website
- Access Controls: We limit access to personal information to employees who need it to perform their jobs
- Monitoring: We monitor our systems for potential vulnerabilities and attacks
- Training: Our employees receive regular training on data protection and security
- Audits: We conduct regular security assessments and audits
Your Role in Security
While we work hard to protect your information, you also play an important role. Please keep your account credentials secure, use strong passwords, and notify us immediately if you suspect unauthorized access to your account.
Your Privacy Rights
Depending on your state of residence, you may have certain rights regarding your personal information:
Access and Portability
You may request access to the personal information we have collected about you and receive it in a portable format.
Correction
You may request that we correct inaccurate personal information we maintain about you.
Deletion
You may request that we delete personal information we have collected about you, subject to certain exceptions.
Opt-Out
You may opt out of receiving marketing communications from us at any time by clicking the "unsubscribe" link in our emails or contacting us directly.
Do Not Track
Our website does not currently respond to "Do Not Track" signals from web browsers.
California Residents
California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect and how we use it, and the right to non-discrimination for exercising your privacy rights.
Children's Privacy
Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child, we will take steps to delete that information.
Policy Updates
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will post any changes on this page and update the "Last Updated" date at the top of this policy.
We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information. Your continued use of our website or services after any changes to this Privacy Policy constitutes your acceptance of the updated policy.
Contact Us About Privacy
If you have questions about this Privacy Policy or want to exercise your privacy rights, please contact us:
Phone
Privacy Office
601 N.W. Second St.
Evansville, IN 47708