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. In general, we collect Personal Information that you submit to us voluntarily through www.bluetrustloans.com but we may also request optional information to support your use of www.bluetrustloans.com. This information can include but is not limited to the following:

• Social Security number and bank account information
• account balances and income
• payment history and credit history
• text messages and information contained in those messages

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 Blue Trust Loans chooses to share; and whether you can 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

For our marketing purposes – to offer our products and services to you, both during and after the administration of your account(s)

For joint marketing with other financial companies

For our affiliates' everyday business purposes – information about your transactions and experiences

For our affiliates' everyday business purposes – information about your creditworthiness

For our affiliates to market to you

For nonaffiliates to market to you

Who is providing this notice?

Blue Trust Loans 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.

How does Blue Trust Loans 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. Even though we have taken significant steps to protect your Personal Information, no company, including us, can fully eliminate security risks associated with Personal Information.

How does Blue Trust Loans 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
• Provide Feedback

We also collect your personal information from others, such as credit bureaus, affiliates, companies who we have partnered with (collectively, "Partners") or other companies. We may associate this information with the other Personal Information we have collected about you.

Information Collected Via Technology

As you use Blue Trust Loans, certain information may also be passively collected and stored on our or our service providers' server logs, including your Internet protocol address, browser type, and operating system. We also use Cookies and navigational data like Uniform Resource Locators (URL) to gather information regarding the date and time of your visit and the solutions and information for which you searched and viewed, or on which of the advertisements displayed on Blue Trust Loans you clicked.

This type of information is collected to make Blue Trust Loans and solutions more useful to you and to tailor the experience with Blue Trust Loans to meet your special interests and needs.

We or our service providers, may track your IP Address when you access Blue Trust Loans to assist with ad targeting.

We may use both session Cookies (which expire once you close your web browser) and persistent Cookies (which stay on your computer until you delete them) to provide you with a more personal and interactive experience with Blue Trust Loans. In order to use our services offered through Blue Trust Loans, your web browser must accept Cookies. If you choose to disable Cookies, some aspects of Blue Trust Loans may not work properly, and you may not be able to receive our services.

We may share your content preferences and other information with the social network from which you have connected to Blue Trust Loans, along with those companies and persons you have asked us to share your information with.

Additionally, if you provide feedback to us, we may use and disclose such feedback for any purpose, provided we do not associate such feedback with your Personal Information. We will collect any information contained in such feedback and will treat the Personal Information in it in accordance with this Privacy Policy. You agree that any such comments we receive becomes our property. We may use feedback for marketing purposes or to add to or modify our services without paying any royalties or other compensation to you.

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

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Affiliates

Companies related by common ownership or control.
Our affiliates include financial companies such as other lenders and non-financial companies such as marketing and servicing companies.

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.

Cookies

Small pieces of information that a website sends to your computer's hard drive while you are viewing a website.

Internet Protocol Address or "IP Address"

A number that is automatically assigned to your computer when you use the Internet. In some cases, your IP Address stays the same from browser session to browser session; but if you use a consumer internet access provider your IP Address probably varies from session to session.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• Our joint marketing partners can include institutions such as other lenders or marketers.

Other:

We may provide your Personal Information to third-party service providers who work on behalf of or with us to provide some of the services and features of Blue Trust Loans and to help us communicate with you. We require our third-party service providers to promise not to use such information except as necessary to provide the relevant services to us. If you do not want us to use or disclose Personal Information collected about you in the manner identified in this Privacy Policy, you should not use Blue Trust Loans

In the event we go through a business transition such as a merger, acquisition by another company, sale of all or a portion of assets, or other business transition, your Personal Information may be among the assets transferred. You acknowledge that such transfers may occur and are permitted by this Privacy Policy, and that any acquirer of ours may continue to process your Personal Information as set forth in this Privacy Policy.

We may disclose your Personal Information if we believe in good faith that such disclosure is necessary to (a) comply with relevant laws or to respond to subpoenas or warrants served on us; or (b) to protect and defend our rights or property, you, or third parties. You hereby consent to us sharing your Personal Information under the circumstances described herein.

Blue Trust Loans may contain links to other websites. Please be aware that we are not responsible for the privacy practices or the content of such other websites. This Blue Trust Loans privacy policy applies solely to information collected by us through www.bluetrustloans.com and does not apply to these third-party websites. The ability to access information of third-parties from Blue Trust Loans, or links to other websites or locations, is for your convenience and does not signify our endorsement of such third-parties, their products, their services, other websites, locations or their content.

Our third-party platform provider is a third-party beneficiary of our third-party service provider’s arbitration, class action, and jury waiver provisions.

Web browser: You can opt-out of receiving personalized ads by clicking on the blue icon that typically appears in the corner of the ads we serve and by following the instructions provided by clicking [HERE]. Please note that this “opt-out” function is browser-specific and relies on an “opt-out cookie”, thus, if you delete your cookies or upgrade your browser after having opted out, you will need to opt-out again. If you use a Safari browser, please also see directions regarding our cookie-less technology opt-out below.

Mobile Device Opt-Out: To opt-out of receiving targeted ads that are based on your behavior across different mobile applications follow the instructions below for iOS and Android devices:

     iOS 7 or Higher: Go to your Settings> Select Advertising> Enable the “Limit Ad Tracking” setting; and

     For Android devices with OS 2.2 or higher and Google Play Services version 4.0 or higher: Open your Google Settings App> Select Ads> Enable “Opt-out of interest-based advertising”.

Industry Opt-Out Tools and Self-Regulation: You may use the NAI opt-out tool [HERE] which will allow you to opt-out of seeing personalized ads from us and form other NAI approved member companies.