WKLENDING.COM PRIVACY POLICY

Rev. April 3, 2017

Please note that this Privacy Policy is supplemented by WKLending.com's Online Privacy Policy which describes our online practices and applies to anyone who visits our website and/or any WKLending.com-branded social media sites or pages. Please refer to that document to understand how WKLending.com manages personal information provided to WKLending.com through our website.

As used herein, “Site” refers to www.WKLending.com and other sites on the World Wide Web (including sites designed to be accessed by browsers using Wireless Application Protocol) originating in the United States, if they are owned and/or operated by White Knight Financial, LLC dba WKLending.com (“WKLending.com”). Any information that you voluntarily provide to WKLending.com or any of the above mentioned platforms (collectively the “Digital Devices”) will be treated in accordance with this Privacy Policy (the “Privacy Policy” or the “Policy”).

By accessing and using the Digital Devices you expressly accept and agree to be bound by the terms and conditions set forth in the Privacy Policy. If you do not wish to be bound by the Privacy Policy, you have no license to use our Digital Devices and should leave the Site or cease use of our other Digital Devices immediately.

WKLending.com reserves the right to modify the Policy in any way, at any time. All such modifications will take effect immediately after WKLending.com provides reasonable notice, which may be given by any of the following: posting on the Site or the Digital Devices, via electronic communication, in writing, and/or any other means that provide reasonable notice. Your continued use of the Digital Devices after receiving such reasonable notice constitutes your acceptance of the modified Policy.

FACTS WHAT DOES WKLENDING.COM 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 type of personal information we collect and share depends on the product or service you apply for with WKLending.com. This information can include: • Social Security Number and bank account information • Account balances and income • Payment history 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 reason WKLending.com chooses to share; and whether you can limit this sharing.


Reasons We Can Share Your Personal InformationDoes WKLending.com 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 YESNO
For our marketing purposes- offer our products and services to you YESNO
For joint marketing with other financial companiesYESNO
For non-affiliates to market to you YESYES


To Limit Our Sharing

  • Call (855) 227-4090
  • Email us at privacy@WKLending.com
  • Visit our website at www.WKLending.com


  • PLEASE NOTE: If you are a new customer, we can begin sharing your information 30 days from the date you are made aware of 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 (855) 227-4090
  • Email us at privacy@WKLending.com
  • Visit our website at www.WKLending.com


  • Who We Are 
    Who is providing this notice?WKLending.com is providing this notice, and it applies to all loans made, arranged, serviced or guaranteed by WKLending.com, and all products and services offered in connection with such loans.


    What We Do With Your Information  
    Who How does WKLending.com 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 WKLending.com collect my personal information?We collect your personal information, for example, when you
  • apply for a loan or line of credit

  • 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 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.
    How can I access and/or my stored information? WKLending.com provides you with access to your stored personal information. To view the personal information WKLending.com has on file for your account, visit your customer portal by logging on to www.WKLending.com. You can review and/or update your personal information online or by calling WKLending.com at (855) 227-4090. If you know your contact information will be changing, please provide us with notice as soon as possible to ensure WKLending.com has sufficient time to update your personal information and to ensure that you continue to receive all communications.


    Definitions 
    Nonaffiliates

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

  • Nonaffiliates we share with can include other lenders and direct marketing companies.
  • Joint marketing

    Companies 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 or marketers.


  • Our Right to Contact You
    We reserve the right to contact you regarding your account status and changes to subscriber agreements, our Privacy Policy, Online Privacy Policy, and Terms of Use, and any other policies or agreements that may be relevant to you. By visiting the Site, you understand and agree that we may contact you at the phone number and/or email address you provide on your loan application or any updated phone number and/or email address you may provide, to assist you with your loan, make important announcements, or discuss other products and services that WKLending.com may be able to provide for you.

    SMS/MMS Policy: If you have provided WKLending.com with your consent to receive SMS/MMS messages, WKLending.com will send certain communications to the phone number provided during your loan application or at another phone number if you provide us with notice of an update to your contact information. By default, you will be enrolled to receive all communications that WKLending.com may from time to time deliver by SMS/MMS messages. You may access your account portal at any time or contact WKLending.com at (855) 227-4090 to set the types of communications that you wish to receive by SMS/MMS message or revoke your consent to receive SMS/MMS messages. In order to validate your identity and to comply with state and federal law, you must confirm your enrollment in SMS/MMS communications by responding to the initial message sent by WKLending.com in the manner specified in the initial message in order to receive subsequent communications via SMS/MMS messages. Message and data rates may apply. Content may not be available on all carriers.


    Other Important Information
    If we extend credit to a consumer, or guarantee credit offered to a consumer by an unaffiliated 3rd party lender, 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 any information collected about these additional accounts as part of the consumer's application and may use such information in our underwriting processes.

    California residents -- California law requires financial institutions to obtain your consent prior to sharing your personal information with non-affiliated third parties. If you are a resident of California, we will not share information we collect about you with non-affiliated third parties without your consent, except as permitted by law.

    The Site is controlled, operated and administered entirely within the United States this Policy, the Site, and any claim associated with, related to, or arising from this Policy and the Site are governed by the law of the State of Nevada within the United States. Use of the System from locations outside the United States where these practices are illegal or violate any law is prohibited.


    Children's Privacy
    At various places on the Site, WKLending.com may ask users whether they are 18 years of age or older or of proper legal age. WKLending.com relies on users to be truthful in responding to these questions. WKLending.com does not knowingly collect or maintain personal information from children under 13 years of age. If WKLending.com learns that personal information of a child under 13 years of age has been collected, WKLending.com will take steps to delete the information as soon as possible. If you are under 18 years of age or the proper legal age, you are not allowed to use or access the Site at any time or in any manner and any such use is unauthorized.

    Except where required in accordance with law, law enforcement agency, court, or other governmental authority, WKLending.com does not intentionally solicit personal data from individuals under 18 years of age. A parent or guardian whose child provided personal data to WKLending.com without the parent’s or guardian’s consent should immediately notify WKLending.com of such disclosure in writing to privacy@wklending.com. WKLending.com, upon receipt of such written notice, shall take reasonable measures to remove such disclosed information from WKLending’s.com database and/or notify the appropriate authority.


    Links
    WKLending.com may link to websites, including those of subsidiaries and/or third-party content providers that have different privacy policies and practices from those disclosed herein. WKLending.com assumes no responsibility for the policies or practices of such linked sites, and encourages you to become acquainted with them prior to use.


    WKLending.com Online Privacy Policy
    Rev. March 28, 2017

    WKLending.com’s Online Privacy Policy supplements WKLending.com’s general Privacy Policy which describes our general collection, use and disclosure practices with respect to the personal information of consumers and our customers. These documents should be read together to understand how WKLending.com manages personal information. This Policy describes WKLending.com’s online practices and applies to anyone who visits our website and/or any WKLending.com-branded social media sites or pages.

    Visits to our Website

    Information we Collect

    When a consumer or customer visits our website, including in the course of filling out an application for one of our products, we may collect certain information, including but not limited to a visitor’s: internet protocol (“IP”) address, internet browser information, device operating system, date and time of the website visit and information about the pages visited while on the WKLending.com website.

    We also may use cookies and other electronic technologies to help us understand how consumers interact with our website. Cookies are small data files that are delivered to a web browser by a web server, containing information such as which websites were viewed and preferential information such as language choices and auto-fill fields. Users may set their browsers to reject cookies, but the functionality of the website may be impaired and the efficiency of the website visit may be impacted.

    At this time, WKLending.com does not track its customers over time and across third party websites or online services and therefore does not respond to Do Not Track signals. However, some third party sites may keep track of your browsing activities when they serve you content. How we Use Information
    WKLending.com uses the information we collect for various purposes, including but not limited to:
    • Making improvements to WKLending.com’s website based on the way our visitors interact with our website;
    • Analyzing non-user-specific data on our website visitors to help us improve and customize our products and services using tools including Google Analytics; and
    • Delivering advertisements to consumers for our products and services on our own website, as well as on third-party websites, based on consumer browsing behavior.

    Social Media Platforms WKLending.com has official pages on Facebook and Twitter, which allow consumers to interact with us and get to know our brand, products and services. Consumer interaction through these pages is subject to the terms of use and privacy policies of the social media platform being used. We advise you to use these platforms cautiously and to never include private, confidential information when posting or commenting on social media.

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