Privacy Policy

1. Introduction

OneMain Financial Group, LLC and its subsidiaries (collectively "OneMain Financial," "we," "us," or "our") are committed to protecting your privacy and maintaining the confidentiality of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our mobile application, apply for our products and services, or otherwise interact with us.

This Privacy Policy applies to information we collect through:

• Our website (1mainfinancialloans-247.com) and mobile applications
• Loan applications and account management activities
• Email, text, and other electronic communications
• Telephone conversations and in-person interactions at our branches
• Third-party sources, including credit reporting agencies

By using our services or providing us with your information, you consent to the collection, use, and disclosure of your information as described in this Privacy Policy. Please read this policy carefully to understand our practices regarding your personal information.

2. Information We Collect

We collect several types of information from and about you, depending on how you interact with us:

2.1 Personal Information You Provide

When you apply for a loan or use our services, we collect information that identifies you personally, including:

• Identity Information: Name, date of birth, Social Security number, government-issued ID number, driver's license information
• Contact Information: Email address, telephone number, residential address, mailing address
• Financial Information: Income, employment information, bank account details, assets, debts, financial history
• Loan Application Information: Purpose of loan, desired loan amount, collateral information (for secured loans)
• Account Information: Username, password, security questions and answers

2.2 Credit and Background Information

To evaluate your creditworthiness and comply with legal requirements, we obtain:

• Credit Reports: From credit reporting agencies (Equifax, Experian, TransUnion)
• Credit Score: Your credit score and related credit history
• Payment History: Previous loan and credit card payment patterns
• Public Records: Bankruptcies, liens, judgments, and other public information
• Employment Verification: Confirmation of your employment status and income

2.3 Automatically Collected Information

When you visit our website or use our mobile app, we automatically collect certain technical information:

• Device Information: IP address, browser type and version, operating system, device identifiers
• Usage Data: Pages visited, time spent on pages, links clicked, referring website
• Location Data: General geographic location based on IP address
• Cookies & Similar Technologies: Information collected through cookies, web beacons, and other tracking technologies

2.4 Information from Third Parties

We may receive information about you from:

• Credit reporting agencies
• Fraud prevention services
• Marketing partners and data aggregators
• Government agencies (for verification purposes)
• Employers (for employment and income verification)

3. How We Use Your Information

We use the information we collect for various business purposes, including:

3.1 Processing Loan Applications

• Evaluating your creditworthiness and ability to repay
• Verifying your identity and the accuracy of information provided
• Making lending decisions
• Determining appropriate loan terms, interest rates, and conditions
• Preparing and executing loan agreements

3.2 Account Management & Servicing

• Processing payments and managing your account
• Providing customer service and support
• Sending account statements, payment reminders, and notices
• Responding to your inquiries and requests
• Offering refinancing or credit increase opportunities

3.3 Legal Compliance & Fraud Prevention

• Complying with federal and state lending laws and regulations
• Fulfilling reporting requirements to government agencies
• Preventing fraud, money laundering, and identity theft
• Protecting our legal rights and enforcing our agreements
• Responding to legal processes (subpoenas, court orders)

3.4 Business Operations & Analytics

• Improving our website, mobile app, and user experience
• Analyzing trends and customer behavior
• Developing new products and services
• Conducting market research and customer surveys
• Measuring the effectiveness of our marketing campaigns

3.5 Marketing & Communications

• Sending promotional materials about our products and services
• Offering personalized product recommendations
• Providing financial education resources and tips
• Inviting you to participate in surveys or promotions

4. Information Sharing

We may share your information with third parties in the following circumstances:

4.1 Service Providers

We share information with third-party service providers who perform services on our behalf, including:

• Payment Processors: To process loan payments and transactions
• Technology Providers: For website hosting, data storage, and IT services
• Marketing Agencies: To deliver advertising and promotional campaigns
• Analytics Companies: To analyze website traffic and user behavior
• Customer Service Providers: To provide support services

These service providers are contractually obligated to protect your information and may only use it for the specific purposes we authorize.

4.2 Credit Reporting Agencies

We report information about your account to credit bureaus, including:

• Your payment history (on-time or late payments)
• Credit limits and outstanding balances
• Account opening and closing information
• Collections or charge-off information (if applicable)

4.3 Legal and Regulatory Authorities

We may disclose your information to government agencies, courts, or law enforcement when:

• Required by law or legal process
• Responding to subpoenas, court orders, or government requests
• Complying with lending regulations and reporting requirements
• Investigating fraud or other illegal activities
• Protecting our legal rights or the rights of others

4.4 Business Transfers

If OneMain Financial is involved in a merger, acquisition, sale of assets, or bankruptcy, your information may be transferred as part of that transaction. You will be notified of any such change in ownership or control of your personal information.

4.5 With Your Consent

We may share your information with other parties when you give us permission to do so.

5. Your Rights & Choices

You have certain rights regarding your personal information:

5.1 Access to Your Information

You have the right to request access to the personal information we hold about you. You can:

• Log in to your online account to view your information
• Contact us to request a copy of your information
• Request information about how we've used your data

5.2 Correction of Information

If you believe any information we have about you is inaccurate or incomplete, you can:

• Update your information through your online account
• Call customer service to correct your information
• Visit a branch to make changes in person

5.3 Opt-Out Rights

Marketing Communications:

• Click "Unsubscribe" in promotional emails
• Reply "STOP" to text messages
• Call us to opt out of promotional calls
• Update preferences in your online account

Information Sharing:

• You can limit information sharing with our affiliates for marketing purposes
• Contact us to opt out of certain information sharing

5.4 California Residents (CCPA Rights)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to Know: Request details about the personal information we collect, use, and share
• Right to Delete: Request deletion of your personal information (subject to legal exceptions)
• Right to Opt-Out: Opt out of the sale of personal information (Note: We do not sell personal information)
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights

To exercise these rights, contact us at:

• Email: privacy@1mainfinancialloans-247.com
• Phone: 1-800-290-7002
• Mail: OneMain Financial, Privacy Office, 601 NW 2nd Street, Evansville, IN 47708

5.5 Nevada Residents

Nevada residents may opt out of the sale of certain covered information. We do not currently sell covered information as defined under Nevada law. If we change this practice, we will update this Privacy Policy and provide Nevada residents with the ability to opt out.

5.6 European Residents (GDPR)

If you are located in the European Economic Area (EEA), you have rights under the General Data Protection Regulation (GDPR), including:

• Right of access and portability
• Right to rectification
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to object to processing
• Right to lodge a complaint with a supervisory authority

6. Data Security

We take the security of your personal information seriously and have implemented comprehensive security measures to protect it from unauthorized access, use, or disclosure.

6.1 Technical Safeguards

• Encryption: All sensitive data transmitted to and from our website uses 256-bit SSL/TLS encryption
• Secure Servers: Your data is stored on secure servers with multiple layers of protection
• Firewalls: Advanced firewall technology protects against unauthorized access
• Intrusion Detection: 24/7 monitoring for suspicious activity and potential threats
• Data Encryption at Rest: Sensitive data is encrypted when stored in our databases

6.2 Administrative Safeguards

• Access Controls: Strict limits on who can access your information
• Employee Training: Regular security and privacy training for all employees
• Background Checks: Thorough screening of employees with access to personal information
• Security Policies: Comprehensive information security policies and procedures
• Third-Party Audits: Regular security assessments by independent experts

6.3 Physical Safeguards

• Secure Facilities: Restricted access to facilities housing sensitive data
• Document Destruction: Secure shredding of physical documents
• Security Cameras: Monitoring of physical locations

6.4 Your Role in Security

You can help protect your information by:

• Choosing strong, unique passwords for your account
• Never sharing your login credentials with anyone
• Logging out of your account when using shared computers
• Keeping your contact information up to date
• Being cautious of phishing attempts and suspicious communications
• Reporting any suspicious account activity immediately

7. Cookies & Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website and mobile app.

7.1 What Are Cookies?

Cookies are small text files stored on your device when you visit a website. They help websites remember your preferences and improve functionality.

7.2 Types of Cookies We Use

• Essential Cookies: Required for the website to function properly (e.g., maintaining your session, security features)
• Performance Cookies: Collect information about how you use our website to help us improve it
• Functionality Cookies: Remember your preferences and settings
• Advertising Cookies: Used to deliver relevant advertisements based on your interests

7.3 Third-Party Cookies

We may allow third parties to place cookies on your device for:

• Analytics (e.g., Google Analytics)
• Advertising (e.g., retargeting ads)
• Social media integration

7.4 Managing Cookies

You can control cookies through your browser settings:

• Most browsers allow you to refuse or accept cookies
• You can delete existing cookies from your device
• You can set your browser to notify you when cookies are being used

Note: Disabling certain cookies may affect website functionality and your user experience.

7.5 Do Not Track Signals

Some browsers have a "Do Not Track" feature. Currently, there is no industry standard for responding to Do Not Track signals. We do not currently respond to Do Not Track browser signals.

8. Third-Party Links

Our website may contain links to third-party websites, applications, or services that are not operated by OneMain Financial. This Privacy Policy does not apply to these third-party sites.

• We are not responsible for the privacy practices of third-party websites
• We encourage you to review the privacy policies of any third-party sites you visit
• Linking to a third-party site does not imply endorsement

Third-party sites may have different privacy policies and terms of service. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party sites or services.

9. Children's Privacy

OneMain Financial does not knowingly collect personal information from individuals under the age of 18. Our services are intended for adults only.

• We do not knowingly solicit or collect information from children under 18
• We do not knowingly market to children
• If we learn that we have collected information from a child under 18, we will delete it promptly

If you believe we have inadvertently collected information from a minor, please contact us immediately at privacy@1mainfinancialloans-247.com so we can delete the information.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors.

10.1 How We Notify You

When we make material changes to this Privacy Policy, we will:

• Post the updated policy on our website with a new "Last Updated" date
• Notify you via email or through your online account
• Provide prominent notice on our homepage for significant changes
• Request your consent if required by law

10.2 Your Acceptance

By continuing to use our services after changes are posted, you accept the updated Privacy Policy. If you do not agree with the changes, please discontinue use of our services and contact us to close your account.

10.3 Previous Versions

You may request previous versions of this Privacy Policy by contacting us.

11. Contact Information

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

11.1 Privacy Office

OneMain Financial
Attn: Privacy Office
601 NW 2nd Street
Evansville, IN 47708

11.2 Email

Email: privacy@1mainfinancialloans-247.com

11.3 Phone

Customer Service: 1-800-290-7002
Monday - Friday: 8:00 AM - 8:00 PM ET

11.4 Data Protection Officer

For inquiries specifically related to data protection and privacy rights, you may contact our Data Protection Officer at the addresses above.

12. State-Specific Privacy Notices

12.1 California Residents (CCPA)

California Consumer Privacy Act (CCPA) Rights:

California residents have specific rights under the CCPA, including:

• Right to Know: You can request information about the categories and specific pieces of personal information we collect, use, and disclose
• Right to Delete: You can request deletion of your personal information, subject to certain exceptions
• Right to Opt-Out: You can opt out of the sale of personal information (we do not sell personal information)
• Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights

Categories of Information Collected:

• Identifiers (name, address, SSN, etc.)
• Financial information
• Commercial information
• Internet activity
• Professional/employment information
• Inferences about preferences and characteristics

California "Shine the Light" Law: California residents may request information about disclosures of personal information to third parties for direct marketing purposes. Contact us using the information in Section 11.

12.2 Nevada Residents

Nevada residents have the right to opt out of the sale of certain covered information. While we do not currently sell covered information as defined under Nevada law (NRS 603A), you may submit an opt-out request for future sales by contacting us at privacy@1mainfinancialloans-247.com.

12.3 Vermont Residents

We will not share information we collect about Vermont residents with non-affiliated third parties except as permitted by Vermont law.

12.4 Other State Rights

Residents of other states may have additional rights under state privacy laws. Please contact us for information about rights specific to your state.