PRIVACY
NOTICE

Rev. January 2023

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 and tribal consumer protection laws give consumers the right to limit some but not all sharing. Federal and tribal consumer protection laws 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

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
Does BlueChip share? Yes
Can you limit this sharing? No

For our marketing purposes — to offer our products and services to you
Does BlueChip share? Yes
Can you limit this sharing? Yes

For joint marketing with other financial companies
Does BlueChip share? No
Can you limit this sharing? We don't share

For our affiliates' everyday business purposes — information about your transactions and experiences
Does BlueChip share? No
Can you limit this sharing? We don't share

For our affiliates' everyday business purposes — information about your creditworthiness
Does BlueChip share? No
Can you limit this sharing? We don't share

For non-affiliates to market to you
Does BlueChip share? Yes
Can you limit this sharing? Yes

To limit our sharing

Call 888-681-6811 - our menu will prompt you through your choice(s) orVisit 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

Who We Are and What We Do

Who is providing this notice? 

BlueChip Financial d/b/a Spotloan

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 companies.
- BlueChip does not have 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 and third parties necessary to complete a transaction or request

Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.
‍- BlueChip doesn't jointly market