FACTS
WHAT DOES LIBERTY1 FINANCIAL DO WITH YOUR PERSONAL INFORMATION?
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. This information can include your Social Security number and income, account balances and payment history, credit history and credit score, and information related to the loan-matching services you request. |
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 reasons Liberty1 Financial chooses to share, and whether you can limit this sharing. |
Reasons We Can Share Your Personal Information | Does Liberty1 Financial Share? | 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 | YES | YES |
For non-affiliates to market to you | YES | YES |
To Limit Our Sharing | Call (800) 216-5772, our menu will prompt you through your choice(s); email [email protected]; or mail the form at the bottom of this page. 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 (800) 216-5772 or go to https://www.liberty1financial.com |
MAIL-IN FORM
Mark any or all that you want to limit:
- Do not share information about my creditworthiness with your affiliates for their everyday business purposes.
- Do not allow your affiliates to use my personal information to market to me.
- Do not share my personal information with non-affiliates to market their products and services to me.
Name: ______________________________
Address: ______________________________
City, State, Zip: ______________________________
Program #: ______________________________
Mail to: Liberty1 Financial, 999 E Playa del Norte, Suite 405, Tempe, AZ 85288.
WHAT WE DO
How does Liberty1 Financial 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. |
How does Liberty1 Financial collect my personal information? | We collect your personal information, for example, when you apply for a loan through us or seek financing through our lending partners, whether you provide that information to a Liberty1 representative or, when no representative is available, to Libby, our virtual agent. We also collect your personal information from others, such as credit bureaus and our lending partners. |
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; and 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. |
Non-Affiliates | Companies not related by common ownership or control. They can be financial and non-financial companies. Non-affiliates we share with can include service providers and direct marketing companies. |
Joint Marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you. |
OTHER IMPORTANT INFORMATION
State laws may also provide you with specific privacy protections. Please note those individual circumstances below that may apply to you. We will comply with applicable state laws with respect to our use of your information. So long as we are providing you with services under your agreement with Liberty1 Financial, we will provide this Privacy Notice to you at least annually.
California Residents: We will not share your personal information with non-affiliated third parties for their marketing purposes without your affirmative consent. Except as permitted by law, we will not share your personal information with our affiliates or joint marketing partners without first giving you additional privacy choices.
Sharing With Lending Partners: If you seek a loan through us, we share your application and eligibility information with third-party lending partners so they can evaluate you for financing. We receive compensation from our lending partners in connection with successful referrals. Because this sharing is necessary to provide the service you asked for, it does not appear as a row you can limit in the table above. California residents have a separate right under the California Consumer Privacy Act to opt out of this sharing, because we receive compensation for it; see our California Privacy Notice and our Do Not Sell or Share My Personal Information page for how to exercise that right. Your use of our website and services is also governed by our Terms & Conditions, which is incorporated into this notice by reference.
Nevada Residents: If you prefer not to receive marketing calls from us, you may be placed on our Do Not Call List by calling (800) 216-5772. This notice is provided pursuant to Nevada law. You can obtain further information by contacting the Nevada Attorney General’s Office at 100 North Carson Street, Carson City, NV 89701, (775) 684-1100, or [email protected].
Montana Residents: We will not disclose your name or any personal information to anyone other than your own creditors or our agents, affiliates, or contractors.
Job Applicants, SMS Terms: Liberty1 Financial offers you the option to engage in SMS text conversations about your job application. By participating, you understand that message frequency may vary depending on the status of your job application, and that message and data rates may apply. Please consult your carrier for further information on applicable rates and fees. Carriers are not liable for delayed or undelivered messages. Reply STOP to cancel and HELP for help.
By opting in to receiving SMS text messages about your job application, you acknowledge and agree that your consent data, mobile number, and personal information will be collected and stored solely for the purpose of providing you with updates and information related to your job application. We are committed to protecting your privacy and shall not share or sell your consent data, mobile number, or personal information to third parties under any circumstances.
DISCLAIMER
Annual percentage rates (APRs) through Liberty1 Financial range from 6.99% to 35.99% APR for first-time borrowers, with the lowest rates offered to the most creditworthy borrowers. Minimum loan amount is $5,000.00. Maximum loan amount is $110,000.00. Eligibility is not guaranteed, and requires that you meet credit and other conditions including: (a) your continuing to meet the criteria for this prescreened offer; (b) your credit report, application and credit history meet our pre-established credit criteria; (c) your monthly debt-to-income ratio (i.e., total monthly debt payments divided by monthly gross income) cannot exceed 50%; and (d) you have been employed for at least one (1) year. Liberty1 Financial does not discriminate on the basis of race, color, religion, sex, marital status, national origin or ancestry.
Clear Vision Financial LLC, d/b/a Liberty1 Financial
999 E Playa del Norte, Suite 405, Tempe, AZ 85288
(800) 216-5772