Privacy Notice

Rev. August 2020

FACTS	WHAT DOES BlueChip Financial d/b/a Spotloan (BlueChip) 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 income Payment history and employment information Credit history and credit scores
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 BlueChip chooses to share; and whether you can limit this sharing.

FACTS

WHAT DOES BlueChip Financial d/b/a Spotloan (BlueChip) 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 income
Payment history and employment information
Credit history and credit scores

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 BlueChip chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does BlueChip 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	Yes
For joint marketing with other financial companies	No	We don't share
For our affiliates' everyday business purposes— information about your transactions and experiences	No	We don't share
For our affiliates' everyday business purposes— information about your creditworthiness	No	We don't share
For non-affiliates to market to you	Yes	Yes

To limit our sharing

Call 888-681-6811 - our menu will prompt you through your choice(s) or
Visit us online: www.spotloan.com/opt-out or www.bluechipfinancial.com/opt-out

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 888-681-6811 or go to spotloan.com or bluechipfinancial.com

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What we do
How does BlueChip 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 BlueChip collect my personal information?	We collect your personal information, for example, when you Apply for a loan or give us your income information Provide account information or give us your contact information Tell us where to send the money We also collect your personal information from others, such as credit bureaus, affiliates and 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 credit worthiness Affiliates from using your information to market you Sharing for non-affiliates to market you State laws and individual companies may give you additional rights to limit sharing.
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 non-financial comapnies. BlueChip does not share with our affiliates
Non-affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. Non-affiliates we share with can include direct marketing companies
Joint marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. BlueChip doesn't jointly market

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial comapnies.

BlueChip does not share with our affiliates

Non-affiliates

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

Non-affiliates we share with can include direct marketing companies

Joint marketing

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

BlueChip doesn't jointly market

Other important information