WLCC Lending JEM D/B/A
Explore Credit Privacy Policy
Last Updated: June 15, 2023
WLCC Lending JEM D/B/A Explore Credit ("we," "us," or "our") respects your privacy and knows that you care about protecting your personal
information. This privacy policy identifies what information we collect from you when you access or use www.explorecredit.com (the "Site," including
all subdomains), the services made available on and/or through the Site (the "Services"), and explains how we may use or share that information.
This Site primarily operates as a for-profit business website. This privacy policy applies to information we collect from you on the Site; through the
Services; in email, text, and other electronic correspondence; and through any mobile application through which we may communicate. Site may
host links other connections to third party websites. The Site does not review, nor endorse, any other third-party website, nor does the Site control
how other third-party sites may use or collect information from consumers. We are not responsible for the consumer information use or collection
policies, so please review them individually, as necessary.
1.
Information We Collect
We may collect and use the following types of information from those who use the Site and the Services:
•
Information by which you may be personally identified, such as your name, address, email address, phone number, social security number,
billing information, banking history, and credit card information, and other information that may not be publicly available ("personally
identifiable information or PII").
•
Information about you that does NOT identify you personally, including, but not limited to, your demographic information (for example,
your age, gender, race, religion, political affiliation, and household income), personal interests, online interactions, viewing data, requests
for Services, communications with us and third parties, advertisement interactions, survey and polling information, Site feedback or
suggestions, search queries, and any other activities when using the Site or the Services (“non personally identifiable information or NPII”).
•
Information you provide when you register with the Site and the Services, when adding or updating account preferences, and when
subscribing for any Services not limited to income information, employment information, payment history, credit history, account
balances, and bank account information.
•
We may combine information you provide us with other information about you that we obtain from your past use of the Site and Services,
from our business partners, and from other companies. We will treat any NPII that is combined with PII as if it were all PII.
FACTS
WHAT DOES WLCC LENDING JEM D/B/A EXPLORE CREDIT DO WITH
YOUR PERSONAL INFORMATION?
WHY?
Federal law requires us to tell you how we collect, share, and protect your personal information. Federal law gives
consumers the right to limit some but not all sharing.
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:
•Name, Mailing Address, Phone Number, Email Address
•Social Security number and Date of Birth
•Credit History and Credit Scores
•Employment Information, including Income Information and Payment History
•Bank Account Information and Account Balances
HOW?
In the section below, we will explain how we may use or share your information, including the reasons that we may
share your information and your ability to limit this sharing.
Reasons we can share your personal information.
Does WLCC Lending JEM D/B/A
Explore Credit Share This
Information?
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
No
For joint marketing with other financial companies
Yes
No
For our affiliates' everyday business purposes -
information
about your transactions and experiences
Yes
No
For our affiliates' everyday business purposes -
information
about your creditworthiness
Yes
Yes
For our affiliates to market to you
(Mobile phone number opt ins will not be shared)
Yes
Yes
For non-affiliates to market to you
(Mobile phone number opt ins will not be shared)
Yes
Yes
To limit our
sharing
Call our toll-free number: +1 844-355-5626
•
Email [email protected]
•
If you are a new customer, we can begin sharing your information as soon as you sign your loan
agreement. When you are no longer a customer, we may continue to share your information as described
in this notice. However, you can contact us at any time to limit our sharing.
Questions?
Call +1 844-355-5626
What we do
How does WLCC Lending JEM D/B/A Explore Credit
protect my personal information?
•To protect your personal information from unauthorized access
and use, we use security measures that comply with Federal
Trade Commission regulations. These measures include
computer safeguards and secured files and buildings.
•We also maintain physical, electronic and procedural
safeguards (e.e., computer virus protection software, firewalls,
128-bit Secure Socket Layer). Only authorized employees have
access to your personal information.
How does WLCC Lending JEM D/B/A Explore Credit
collect my personal information?
We collect your personal information, for example, when you:
•Apply for credit
•Give us your income information
•Provide employment information
•Provide account information
•Give us your contact information
•Communicate with us electronically via email
•Call our call center
We also collect your personal information from others, such as credit
bureaus, affiliates, or other companies.
Why can't I limit all sharing?
Federal law gives you the right to limit only:
•Sharing for affiliates' everyday business
•Affiliates from using your information to market to you; and
•Sharing for non-affiliates to market to you.
State laws and individual companies may give you additional rights to
limit sharing.
Links to Other Websites
This Site may contain links to, or from, other websites. This privacy policy only applies to information collected on this Site, and we are not
responsible for other website's privacy practices. Please be aware that when you exit our Site using such links, you are bound by the privacy
policies of the other websites. We encourage you to review the privacy practices of all other websites you reach through links on our Site.
Changes to the Privacy Policy
We may update this privacy policy at any time. We will post any changes in our privacy practices on this page with the date of the most recent
revision indicated next to "Last updated" near the top of the page. If we make significant changes to the way we manage our visitors' personal
information, we may notify you by email or by posting prominent notice on our Site. We reserve the right to determine the most appropriate means
of providing you with any notice required or advisable, in our sole discretion, under the terms of this privacy policy or as required by law. We may
Definitions
Affiliates
Financial and nonfinancial companies that earn commissions for
referring sales, leads, and traffic to a non-related company.
Non-Affiliates
Financial and nonfinancial companies not related by common ownership or
control.
Joint Marketing
A formal agreement between nonaffiliated financial companies that
together market financial products or services to you.
choose to provide notification by email, physical written notice, posting prominently on the Site, or through other conspicuous means. It is your
responsibility to ensure we have your current email address and to periodically check this page for any updates.
Opt-Out Procedures
As your privacy is important to us, we provide you with the following procedure(s) for opting out of future communications from us:
•Email. Send an email to [email protected]om explaining the specific communications or privacy practices you want to opt out of. You
may also opt out by clicking "unsubscribe," or a similar button, at the bottom of any emails we may send you and then following the online
instructions. However, please note that it may not be possible to opt out of certain emails (for example, confirmation emails related to services
you have requested).
•Phone. Call +1 844-355-5626 to receive help from our customer support team to opt out.
Opt-out requests will be honored, and we will do our best to stop communication immediately, however it may take up to 30 days for previously
initiated marketing campaigns to cease. Opt-out requests do not apply to non-marketing, informational and/or transactional communication
from WLCC Lending JEM D/B/A Explore Credit related to your customer account with us.
Third-Party Advertisers.
WLCC Lending JEM D/B/A Explore Credit utilizes 3rd party marketers to promote its products and services. Third-
party marketers initiate marketing campaigns using information in their own databases. Opt-out request made to us will not necessarily prevent
marketing from third- party marketers who rely upon their own mailing and contact lists. You will have to contact each directly in order to opt-out
of their individual mailing and/or contact lists. No mobile information will be shared with third parties/affiliates for marketing/promotional
purposes. All the above categories exclude text messaging originator opt in data and consent; this information will not be shared with any third
parties.
Third-Party Tracking.
We cannot control the privacy practices of third parties that use cookies, web beacons, or other tracking technologies
associated with their content on the Site to collect information about your activities over time and across different websites. These third parties
rely on their own privacy policies, not this one, and may have different practices and procedures for limiting their sharing of your information or
opting out of their mailing/contact lists. Please review their privacy policies for more information. Additionally, you may opt out of tracking from
members of the Network Advertising Initiative (NAI) by visiting its Consumer Opt-Out Page.
Additional rights for California residents under the CCPA
•Under the CCPA, California residents have the right to know and access your personal information.
oKnow the categories of personal information we collect and the categories of sources from which we got the information;
oKnow the business or commercial purposes for which we collect and share personal information;
oKnow the categories of third parties and other entities with whom we share personal information; and
oAccess the specific pieces of personal information we have collected about you.
To request this information, please email your name, email address, California postal address as well as your loan ID, if you have one to
CCPA@ExploreCredit.com. You may also exercise your right by calling +1-844-355-5626.
•Right to deletion. In some circumstances, you may ask us to delete your personal information. To request deletion of your information, please
email your name, email address, California postal address as well as your loan ID, if you have one to C[email protected]. You may also
exercise your right by calling +1-844-355-5626.
•Right to opt out of sales. We may share your personal information with third parties in ways that may constitute a “sale” under CCPA. You may
request that we not “sell” your personal information on a going forward basis. To do so, please email your name, email address, California postal
address as well as your loan ID, if you have one to CCPA@ExploreCredit.com. You may also exercise your right by calling +1-844-355-5626. If
you reengage with us after opting out of the “sale” of your personal information, such as obtaining a new loan, signing up for a newsletter
and/or entering a sweepstakes or contest your personal information will be collected and used in accordance with this Privacy Notice.
•Right to be free from discrimination. You may exercise any of the above rights without fear of being discriminated against. We are permitted to
provide a different price or rate to you if the difference is directly related to the value provided to you by your data.
For any of the above mentioned rights, you may designate an authorized agent to make a request on your behalf. In the request, you or your
authorized agent must provide including information sufficient for us to confirm the identity of an authorized agent. We are required to verify that
your agent has been properly authorized to request information on your behalf and this may take additional time to fulfill your request.
We will use the information you provide to make your CCPA rights requests to verify your identity, identify the personal information we may hold
about you and act upon your request. We strongly recommend that you submit the email and postal address that you used when you created
accounts or signed up for a newsletter. If you are a California resident and have any questions regarding your CCPA rights under this Privacy Notice,
please contact us at [email protected].
Cookies.
In order to opt out of cookies and other tracking technologies, you can configure or disable cookies in your browser settings. However,
please note that doing so may cause parts of the Site to function improperly.
Contact Us. Your feedback is important to us. To send us your questions, suggestions, or complaints, please contact us as follows:
WLCC Lending JEM D/B/A Explore Credit
1 Wakpamni Lake Road
Wakpamni Lake, SD 57716
