Privacy Policy

1. Introduction

OneMain Financial Group, LLC and its subsidiaries (collectively, "OneMain," "we," "our," or "us") respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or interact with us.

Company Information:

• Legal Name: OneMain Financial Group, LLC
• NMLS #1339418
• Headquarters: Evansville, Indiana
• Website: onemainfinancialfi-247.com

2. Information We Collect

We collect various types of information to provide and improve our services. The information we collect includes:

2.1 Personal Information You Provide

When you apply for a loan, create an account, or interact with our services, you may provide:

• Identity Information: Name, Social Security Number, date of birth, driver's license number, government-issued ID
• Contact Information: Address, email address, phone number
• Financial Information: Income, employment details, bank account information, assets, debts, credit history
• Application Information: Loan amount requested, purpose of loan, collateral information (if applicable)
• Account Information: Username, password, security questions and answers

2.2 Information We Collect Automatically

When you visit our website or use our services, we automatically collect:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Information: Pages viewed, time spent on pages, links clicked, search queries
• Location Information: General geographic location based on IP address
• Cookies and Similar Technologies: Information collected through cookies, web beacons, and similar technologies

2.3 Information From Third Parties

We may receive information about you from:

• Credit Bureaus: Credit reports, credit scores, credit history
• Identity Verification Services: Identity verification and fraud prevention data
• Marketing Partners: Demographic and interest information
• Public Records: Publicly available information from government databases
• References: Information provided by references you authorize us to contact

3. How We Use Your Information

We use your personal information for various business purposes, including:

3.1 Loan Application Processing

• Evaluating your loan application and creditworthiness
• Verifying your identity and employment
• Determining loan terms, interest rates, and approval decisions
• Preparing loan documentation and agreements

3.2 Account Management

• Creating and maintaining your account
• Processing payments and managing your loan
• Providing customer service and support
• Sending account statements and notifications
• Responding to your inquiries and requests

3.3 Legal and Compliance

• Complying with federal and state lending regulations
• Preventing fraud, money laundering, and identity theft
• Reporting to credit bureaus
• Responding to legal processes and regulatory requirements
• Enforcing our terms and conditions

3.4 Business Operations

• Improving our website, services, and customer experience
• Conducting data analysis and research
• Developing new products and services
• Training our employees
• Managing business operations and risk

3.5 Marketing and Communications

• Sending promotional materials and offers (with your consent where required)
• Personalizing your experience and content
• Conducting surveys and gathering feedback
• Providing financial education and resources

4. How We Share Your Information

We may share your information with the following categories of third parties:

5. Data Security

We implement comprehensive security measures to protect your personal information from unauthorized access, use, or disclosure.

5.1 Technical Safeguards

• Encryption: We use industry-standard SSL/TLS encryption for data transmission
• Secure Storage: Personal information is stored on secure servers with restricted access
• Firewalls: Network security measures protect against unauthorized access
• Regular Security Audits: We conduct periodic security assessments and penetration testing
• Multi-Factor Authentication: Enhanced login security for account access

5.2 Administrative Safeguards

• Access to personal information limited to authorized personnel only
• Employee training on data security and privacy practices
• Confidentiality agreements with employees and service providers
• Regular security policy reviews and updates
• Incident response procedures for security breaches

5.3 Physical Safeguards

• Secure facilities with controlled access
• Surveillance systems and security personnel
• Secure disposal of physical documents
• Visitor logs and badge systems

6. Your Privacy Rights and Choices

You have certain rights regarding your personal information, which may vary depending on your state of residence.

6.1 Access and Correction

You have the right to:

• Request access to the personal information we have about you
• Request correction of inaccurate or incomplete information
• Update your contact information and preferences

6.2 Marketing Opt-Out

You can opt out of receiving marketing communications by:

• Clicking the "unsubscribe" link in promotional emails
• Calling 1-800-961-5577 to update your preferences
• Logging into your account and updating communication preferences
• Writing to us at our mailing address

6.3 California Consumer Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the CCPA:

• Right to Know: Request information about the categories and specific pieces of personal information we collect
• Right to Delete: Request deletion of your personal information (subject to certain exceptions)
• Right to Opt-Out: Opt out of the sale of your personal information (we do not sell personal information)
• Right to Non-Discrimination: Not be discriminated against for exercising your privacy rights

6.4 Other State Privacy Rights

Residents of certain states may have additional privacy rights under state law, including:

• Virginia Consumer Data Protection Act (VCDPA)
• Colorado Privacy Act (CPA)
• Connecticut Data Privacy Act (CTDPA)
• Utah Consumer Privacy Act (UCPA)

6.5 Gramm-Leach-Bliley Act (GLBA) Rights

Under federal law, you have the right to:

• Limit information sharing with affiliates for marketing purposes
• Limit information sharing with nonaffiliates for marketing purposes
• Receive our annual privacy notice

7. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our website and collect information about how you use our services.

7.1 Types of Cookies We Use

• Essential Cookies: Required for basic website functionality
• Performance Cookies: Help us understand how visitors use our website
• Functionality Cookies: Remember your preferences and choices
• Marketing Cookies: Track your online activity to display relevant ads

7.2 Cookie Management

You can control cookies through your browser settings. Please note that disabling certain cookies may affect website functionality. Most browsers allow you to:

• View cookies stored on your device
• Delete cookies individually or all at once
• Block all cookies or only third-party cookies
• Receive notification before cookies are stored

7.3 Do Not Track Signals

Some browsers include "Do Not Track" signals. We do not currently respond to these signals, but we provide you with choices about online tracking through cookie settings and opt-out mechanisms.

8. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18 years of age. If you are under 18, please do not provide any information on our website or through our services.

If we learn that we have collected personal information from a child under 18, we will delete that information as quickly as possible. If you believe we have collected information from a child under 18, please contact us immediately.

9. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

Factors we consider when determining retention periods include:

• The length of time we have an ongoing relationship with you
• Whether there is a legal obligation to which we are subject
• Whether retention is advisable in light of our legal position
• Regulatory requirements for financial services companies

Generally, we retain loan information for at least 7 years after account closure for regulatory compliance and business purposes.

10. Third-Party Websites and Services

Our website may contain links to third-party websites, plugins, and applications. We are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any third-party sites you visit.

This Privacy Policy applies only to information collected by OneMain Financial. When you click on links to third-party websites or use third-party services, you are subject to their privacy policies and terms of service.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will:

• Update the "Last Updated" date at the top of this policy
• Notify you through email or a prominent notice on our website
• Provide you with the opportunity to review the changes

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

12. Contact Us

If you have questions, concerns, or complaints about this Privacy Policy or our privacy practices, please contact us:

13. State-Specific Privacy Notices

If you are a resident of certain states, additional privacy rights and disclosures may apply to you. For state-specific privacy notices, please visit:

• California Privacy Notice
• Nevada Privacy Notice
• Vermont Privacy Notice
• Virginia Privacy Notice
• Colorado Privacy Notice