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.
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 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
Page 2  
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
Other important information
 
Bluechip Financial logo 120px
SpotloanSM is a brand owned by BlueChip Financial, a tribally-owned entity organized under and governed by the laws of the Turtle Mountain Band of Chippewa Indians of North  Dakota, a federally recognized Indian Tribe. BlueChip is located on and operates within the Tribe’s reservation.
nafsa logo 88px
For Inquiries and Payments: P.O. Box 720 Belcourt, ND 58316
Please note: This is an expensive form of credit and is intended only for short-term financial needs. Spotloans are designed to help you deal with emergencies such as rent, medical bills, car repairs, and expenses related to your job. Spotloans are not intended to solve longer-term credit or other financial needs, and alternative forms of credit may be better for you, including borrowing from a friend or relative, using a credit card cash advance, taking out a personal loan, or using a home equity loan or savings. Contact our customer service team by email at help@spotloan.com or by phone at 888-681-6811 to discuss if a Spotloan is right for you.

Spotloan © All Rights Reserved - Designed by SPINX Digital