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Privacy Policy

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Uprova Credit, LLC Privacy Notice (PDF)

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Facts

What does Uprova Credit, LLC do with your Personal Information?

Why?

Financial companies choose how they share your personal information. Federal and Tribal law gives consumers the right to limit some but not all sharing. Federal and Tribal 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 Banking information
  • Income and payment history
  • Employment information

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 Uprova Credit, LLC 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 Uprova Credit, LLC share? Yes
  • Can you limit this sharing? No

For our marketing purposes – to offer our products and services to you.

  • Does Uprova Credit, LLC share? Yes
  • Can you limit this sharing? Yes

For joint marketing with other financial companies

  • Does Uprova Credit, LLC share? Yes
  • Can you limit this sharing? No

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

  • Does Uprova Credit, LLC share? Yes
  • Can you limit this sharing? No

For our affiliates’ everyday business purposes – information about your creditworthiness.

  • Does Uprova Credit, LLC share? Yes
  • Can you limit this sharing? Yes

For our affiliates to market to you

  • Does Uprova Credit, LLC share? Yes
  • Can you limit this sharing? Yes

For non-affiliates to market to you

  • Does Uprova Credit, LLC share? Yes
  • Can you limit this sharing? Yes

To limit our sharing: Call toll-free 1-866-362-3444. 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 1-866-362-3444 or go to our website at www.uprova.com.

Who We Are

Who is providing this notice?
Uprova Credit, LLC 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.

What We Do

How does Uprova Credit, LLC protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal and Tribal law. These measures include computer safeguards and secured files and buildings.

How does Uprova Credit, LLC collect my personal information?
We collect your personal information, for example, when you:

  • Apply for a loan
  • Give us your income information
  • Provide employment information
  • Direct us where to deposit funds
  • Give us your contact information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?
Federal and Tribal 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 non-affiliates 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.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

  • Our affiliates include companies that, like Uprova Credit, LLC, are wholly owned by the Habematolel Pomo of Upper Lake.

Non-affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Non-affiliates with which we share information can include other companies that provide consumer financing, and direct marketing companies for application resell, direct mail and other purposes.

Joint Marketing

A formal agreement that exists between non-affiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners can include financial institutions, partners that promote our products, and other lending companies.

Tracking Information

When you visit the Uprova Credit, LLC (“Uprova”) website, a cookie is placed on your computer if you accept cookies. The cookie we place on your computer does not contain any of your personally identifiable information. Uprova advertises its products and services on websites that you may visit and uses service providers to place such advertisements. Those service providers (such as Google, Microsoft, Yahoo, Facebook, Instagram, and other platforms) may use cookies placed on your computer to show you advertisements for Uprova services on other websites. You can opt-out from service providers’ use of cookies in this manner by visiting each service provider’s advertising opt-out page or by utilizing “do not track” functionality in your web browser. If you choose to not have your browser accept cookies from the Uprova website, not all features may operate as intended – for example, if your browser shuts down in the middle of the application process, you may have to restart the process.

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NOT ALL LOAN RATES AND TERMS ARE INTENDED TO MEET LONG-TERM FINANCIAL NEEDS.

This service is offered to you via the internet from the reservation of the Habematolel Pomo of Upper Lake, a federally recognized Indian tribe, regardless of where you may be situated or access this site, and does not constitute an offer or solicitation for consumer loans in a state. The Tribe does not accept applications for this service from residents of all states, and the service may or may not be available to residents of your particular state. The states from which the Tribe chooses to accept applications may change from time to time without notice. By obtaining services from this site you are submitting to the jurisdiction of the Habematolel Pomo of Upper Lake.

Uprova is a website owned and operated by Uprova Credit, LLC., a tribal lending entity wholly owned and operated by the Habematolel Pomo of Upper Lake, California. The Habematolel Pomo of Upper Lake is a sovereign nation located within the United States of America and operates on the Tribe's reservation. Applications approved by 4:30 PM EST Monday through Friday are typically funded the next business day. Uprova Credit, LLC may perform a credit check or otherwise verify the personal and financial information submitted on your application. First-time Uprova Credit, LLC customers may qualify for a loan of $300 up to $5,000. Complete disclosures of APR, fees, and payment terms are set forth in the loan agreement which you should read before you sign and obtain funds. Your loan may be repaid at any time without penalty.

Uprova subprime loans are designed to help you meet short-term borrowing needs, such as for car repair, medical care for you or your family, or travel expenses in connection with your job. These loans are an expensive form of credit and are not intended to provide a solution for long-term credit or other financial needs. Alternative forms of credit such as a credit card advance, personal loan, home equity line of credit, and borrowing from a friend or relative may be a less expensive and more suitable source of funding. *Funds are usually deposited into your account within 30 mins depending on your bank. Restrictions: Not all who apply will qualify. Pre-qualification does not guarantee funding. You will not be eligible for funding, if, for example, the Tribe does not allow access to its jurisdiction from the market in which you reside, your application is missing required information, is inaccurate, or cannot be verified; or underwriting standards are not met.

Representative examples of APRs, Total Loan Costs and Fees for personal loans, which are offered to qualified customers, are as follows: APRs can range from 34.5% – 35.99%. Terms can range from 9 months – 36 months. See our Terms of Use and Privacy Policy for more information. Personal loan examples: 1) Loan amount: $2,500.00, Fee: 0%, APR: 34.5%, Term: 36 months, Bi-Weekly Payment: $51.58, Total Loan Cost: $4,023.53| 2) Loan amount: $5,000.00, Fee: 0%, APR: 34.5%, Term: 36 months, Bi-weekly Payment: $103.16, Total Loan Cost: $8,047.07. Short term loans at higher APRs are available for other customers.

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