Privacy Policy

About Onoloans

Onoloans is a wholly tribally owned lending entity of the Mechoopda Indian Tribe of Chico Rancheria, operating within the exterior boundaries of a sovereign Indian reservation. This Privacy Policy describes how we collect, use, share, and protect information about applicants and customers.

Information We Collect

When you apply for a loan or use our services, we collect personal information including:

• Name, address, phone number, and email address
• Driver's license number and Social Security Number
• Date of birth
• Employment, income, and asset information
• Bank account information
• Information about co-applicants, where applicable

We also automatically collect limited technical information when you visit our website, including IP address, browser type, and pages accessed. We use cookies and similar technologies to operate and improve the site.

We obtain additional information from consumer reporting agencies and other lenders regarding your creditworthiness and credit history.

How We Use Your Information

We use your personal information to:

• Evaluate and process your loan application
• Verify your identity and prevent fraud
• Service your loan account and communicate with you about it
• Resolve disputes and enforce our agreements
• Comply with legal, regulatory, and tribal requirements

We may send you information about our services and promotional material unless you opt out. Sensitive information, such as your Social Security Number, will not be used for marketing.

Information Sharing

We may share your information with authorized service providers and third parties as needed to provide our services, including:

• Lenders, credit bureaus, and verification services
• Payment processors and servicing providers
• Collection agencies in the event of default
• Government and tribal authorities as required by law

SMS subscriber consent information will not be shared with any third parties for marketing purposes, except as necessary to complete the transaction.

We may disclose information to law enforcement in response to a subpoena or similar investigative demand, or to investigate or prevent illegal activity.

Data Security

Your information is stored in a technically and physically secure environment. We use industry-standard encryption, including Secure Socket Layer (SSL) protocol, for sensitive transmissions, and we restrict employee access to personal information. No data transmission over the Internet, however, is guaranteed to be 100% secure.

Children's Privacy

Our services are intended for adults. We do not knowingly collect personal information from individuals under 13, consistent with the Children's Online Privacy Protection Act (COPPA). You must be at least 18 years old (19 in certain states) to apply.

Your Choices

You have the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate information
• Opt out of marketing communications
• Request that we not share your nonpublic personal information with non-affiliated third parties, where permitted by law

To make any of these requests, contact us at privacy@onoloans.com.

Changes to This Policy

We may update this Privacy Policy from time to time. Continued use of our website and services after changes take effect constitutes acceptance of the updated policy.

Contact Us

Questions about this policy? Email privacy@onoloans.com or visit our Contact page.