Privacy Policy – Right Now Loan

Reasons we can share your personal information	Does Right Now Loans 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	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 nonaffiliates to market to you	Yes	Yes

Reasons we can share your personal information

Does Right Now Loans 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

For our marketing purposes to offer our products and services to You

Yes

For joint marketing with other financial companies

Yes

We Do Not Share

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

Yes

For our affiliates’ everyday business purposes-information about your creditworthiness

Yes

For our affiliates to market to you

Yes

For nonaffiliates to market to you

Yes

Who we are:
Who is providing this notice?	Right Now Loans, a wholly-owned economic arm and instrumentality of the Elem Indian Colony of Pomo Indians

Who we are:

Who is providing this notice?

Right Now Loans, a wholly-owned economic arm and instrumentality of the Elem Indian Colony of Pomo Indians

What we do:
How does Right Now Loans 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 Right Now Loans collection 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 Limit Sharing?	Under applicable law, 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 nonaffiliates 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.

What we do:

How does Right Now Loans 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 Right Now Loans collection 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 Limit Sharing?

Under applicable law, 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 nonaffiliates 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 nonfinancial companies. *Our affiliates include other business entities of the Tribe.
Non-Affiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Definitions:

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies. *Our affiliates include other business entities of the Tribe.

Non-Affiliates

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

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

You acknowledge that by completing and submitting the website application that you are applying for a loan. We verify applicant and credit information through national databases including, but not limited to, Clarity, Factor Trust, and Microbilt and we may pull your credit in order to determine your eligibility and ability to pay.

Once you fill out an application, one of our customer service representatives will help you complete the loan process, which will include verification of certain personal information prior to final approval and funding of the loan. Loans from Right Now Loans are usually funded by Automated Clearing House (ACH) electronic crediting directly to your bank account. If your loan application is reviewed and approved after 2:00 PM CST, loan funds will usually be available the next business day. Unavoidable delays that occur as a result of bank holidays, the processing schedule of your particular bank, inadvertent processing errors, “acts of God,” and/or “acts of terror” may extend the time for the deposit and may cause a change in the time that you receive your loan proceeds.

Right Now Loans Lending ( “Right Now Loans”) is a subsidiary of SBR Enterprises, a wholly owned economic arm and instrumentality of a Native American entity formed under the laws of and operated by the Elem Indian Colony of Pomo Indians (the “Tribe”), a federally recognized sovereign American Indian Tribe located within the United States. Right Now Loans abides by all applicable federal laws and the laws and lending codes enacted by the Tribe’s federally recognized sovereign government. As a wholly owned tribal entity, Right Now Loans is licensed by the Elem Indian Colony of Pomo Indian’s Tribal Consumer Finance Department.

Please note: This is a very expensive form of borrowing. Right Now Loans Installment Loans are designed to assist you in meeting your short-term borrowing needs and are not intended to be a long term financial solution. Right Now Loans never charges any prepayment penalties. Prompt repayment of your loan will reduce the overall cost associated with borrowing and is strongly recommended by Right Now Loans.

Non- payment may result in additional fees and collection activities as described in your loan agreement and as allowed by Tribal and applicable federal law.

Credit products obtained through this website are not available to residents of all states and state availability may change from time to time without notice. Currently, residents of Arkansas, Connecticut, District of Columbia, Florida, Georgia, Illinois, Maryland, Massachusetts, Minnesota, New Jersey, New York, North Carolina, Pennsylvania, South Carolina, South Dakota, Vermont, Virginia, West Virginia are not eligible to receive a loan from Right Now Loans.

CUSTOMER SUPPORT
support@rightnowloan.com
PO Box 4102 Clearlake, CA 95422
Toll Free: 1-866-660-8743
Tribal Dispute: 1-866-399-8594
Fax: 1-707-361-0507

Contact Us
If you have questions regarding our loan programs, the terms of our loan agreements or payment plans; or just need more information, please do not hesitate to contact us any time, day or night. A Right Now Loans customer service representative will be happy to assist you.

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
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 Right Now Loans chooses to share; and whether You can limit this sharing.