| FACTS | WHAT DOES Zagime, LLC dba Blue River Lending DO WITH YOUR PERSONAL INFORMATION? |
|---|---|
| Why? | Financial companies choose how they share your personal information. Consumers have the right to limit some but not all sharing. This notice tells 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 checking account information Payment history and income Employment information and wire transfer instructions. |
| 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 ZAGIME LLC dba Blue River Lending chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information: | Does ZAGIME LLC dba Blue River Lending? | Can you limit the 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. | No | WE DO NOT SHARE |
| 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 855-540-9515 - our agents can assist you with any necessary updates to limit your shared information. 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 can share your information as described in this notice. However, you can contact us at any time to limit our sharing. |
| Questions? |
Call 855-540-9515 |
| Who is providing this notice? | ZAGIME LLC dba Blue River Lending, a business entity of the Lac du Flambeau Indian Tribe, is providing this privacy policy. |
| How does ZAGIME LLC dba Blue River Lending protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures. These measures include computer safeguards and secured files and buildings. |
| How does ZAGIME LLC dba Blue River Lending collect my personal information? | We collect your personal information, for example, when you: Apply for a loan Give us your income information Tell us where to send the money Provide account information Provide employment information We also collect your personal information from others, such as credit bureaus, affiliates or other companies. |
| Why can't I limit all sharing? | You have 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. |
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include other business entities of the Lac du Flambeau Indian Tribe. |
| Non-Affiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with can include service providers and data processors. |
| Joint Marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you. ZAGIME LLC dba Blue River Lending does not jointly market. |
Blue River Lending is a Native American owned business operating within the interior boundaries of the Lac du Flambeau reservation, a sovereign nation located in the United States. We adhere to the principles of the federal Fair Debt Collection Practices Act (FDCPA).
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© Zagime LLC dba Blue River Lending | All Rights Reserved
Copyright © 2017 Zagime, LLC. All Rights Reserved. Zagime, LLC dba Blue River Lending is a Native American owned business operating within the interior boundaries of the Lac du Flambeau reservation, a sovereign nation located in the United States. Zagime, LLC dba Blue River Lending is an instrumentality and limited liability company which abides by all applicable federal laws and regulations as established by the Lac du Flambeau Indian Tribe of Wisconsin. Zagime, LLC dba Blue River Lending does not lend to residents of: AR, DC, IL, MA, MD, MN, NM, CT, NY, PA, VT, VA, WV, and WI. Availability of installment loans is subject to change at any time at the sole discretion of Zagime, LLC dba Blue River Lending.
This is an expensive form of borrowing and it is not intended to be a long term financial solution. Please note: Blue River Lending loans are designed to assist you in meeting your short-term borrowing needs and are not intended to be a long term financial solution. Examples of emergency reasons why these loans might be used include unexpected emergencies, car repair bills, medical care, or essential travel expenses. Alternative forms of credit, such as a credit card cash advance, personal loan, home equity line of credit, existing savings or borrowing from a friend or relative, may be less expensive and more suitable for your financial needs. Late fees and non-sufficient funds/returned item fees may apply as described in your Loan Agreement. Our fees are disclosed in your loan agreement. If you do not make a payment on time, we will attempt to contact you via one or more authorized methods. We adhere to the principles of the federal Fair Debt Collection Practices Act (FDCPA). Because we may report your payment history to one or more credit bureaus, late or non-payment of your loan may negatively impact your credit rating. If you fail to repay your loan in accordance with its terms, we may place your loan with or sell your loan to a third-party collection agency or other company that acquires and/or collects delinquent consumer debt. You acknowledge that by completing and submitting the website application that you are applying for a Loan. We verify applicant information through national databases including, but not limited to, Clarity and DataX and we may pull your credit in order to determine your eligibility and ability to repay.
* The typical application and verification process requires a phone call with our customer service team.
Zagime, LLC dba Blue River Lending is an instrumentality and limited liability company, which abides by the principles of federal consumer finance laws, as incorporated by the Lac Du Flambeau Band of Chippewa Indians Tribe of Wisconsin. Zagime, LLC dba Blue River Lending is a Native American owned business operating within the interior boundaries of the Lac Du Flambeau reservation, a sovereign nation located in the United States.
Zagime, LLC dba Blue River Lending and its affiliates offer installment loans only to residents in those states where permitted. To obtain a loan, you must apply online and have a valid checking account and email address. Applications processed and approved before the scheduled close of business are typically funded the next business day. In some cases, we may not be able to verify your application information and may ask you to provide certain documents. Refer to how it works for additional details. Complete disclosures of APR, fees and payment terms are provided within your loan agreement. Loan approvals and the amount for which you may be approved may vary.