PRIVACY POLICY

Protecting your privacy is important to South Gate Financial LLC (SGF) and our employees. We want you to understand what information we collect and how we use it. In order to provide our customers with short term loans as effectively and conveniently as possible, we use technology to manage and maintain customer information. The following policy serves as a standard for all South Gate Financial employees for collection, use, retention, and security of nonpublic personal information related to our short term programs.

FACTS
WHAT DOES SOUTH GATE FINANCIAL LLC 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 bank account information
  • payment history and income
  • credit score and credit history
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 South Gate Financial LLC chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does South Gate Financial LLC share? Can you limit this sharing?
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 No
For our affiliates to market to you
Yes Yes
For nonaffiliates to market to you
Yes Yes
To limit our sharing
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.

Questions?  Call 866-343-9220 or email support@sgfcredit.com

Who we are
Who is providing this notice? South Gate Financial LLC is providing this privacy policy and it applies to all loans made by the company and all products and services offered in connection with such loans.
What we do
How does South Gate Financial LLC 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 South Gate Financial LLC collect my personal information?

We collect your personal information, for example, when you

  • Apply for a loan
  • Give us your income information
  • Tell us where to send the money
  • Provide account information
  • Provide employment 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 nonaffiliates 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.
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.

  • Our affiliates include companies within the South Gate Financial family.
Nonaffiliates

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

  • Non-affiliates we share with can include providers of consumer financial products and services.
Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners can include institutions such as other lenders and providers of consumer products and services.
Other important information
If we extend credit to a consumer, we will consider the bank account information provided by the consumer as eligible for us to process payments against. In addition, as part of our information collection process, we may detect additional bank accounts under the ownership of the consumer. We will consider these additional accounts to be part of the application process.