Avant Privacy Notice

 Rev 03/2014

FACTS

WHAT DOES Avant DO WITH YOUR PERSONAL INFORMATION
IN CONNECTION WITH YOUR AVANT LOAN OR LINE OF CREDIT?

 

 

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:

Social Security number and income

payment history and transaction history

credit history and assets

When you are no longer our customer, we continue to share your information as described in this notice.

 

 

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 we choose to share; and whether you can limit this sharing.

 

 

Reasons we can share your personal information

Do we 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 nonaffiliates to market to you

Yes

Yes

 

 

To limit
our sharing

Call 800-712-5407 —our menu will prompt you through your choice(s)

Visit us online: www.avant.com

Please note:

If you are a new customer, for the reasons we can share your information and for which you can limit the sharing, 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 800-712-5407 or go to www.avant.com

 


 

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What we do

How does Avant 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.

We restrict access to your information to those employees who need to know it to provide products or services to you.

How does Avant collect my personal information?

We collect your personal information, for example, when you

apply for a loan or give us your income information

tell us where to send the money or provide employment information

show us your government-based ID

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

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

sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

 

 

Definitions

Affiliates

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

Our affiliates include financial companies such as Avant, Inc., Avant of California LLC, Avant of Idaho, LLC, Avant of Wisconsin, LLC, Avant of Illinois, etc.

Nonaffiliates

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

Nonaffiliates we share with may include financial service providers, non-financial companies, and other businesses

Joint marketing

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

Our joint marketers may include financial service providers, non-financial companies, and other businesses

 

 

Other important information

 

The words “we”, “us” and “our” mean Avant of Alabama, LLC, Avant of California, LLC, Avant of Colorado, LLC, Avant of Delaware, LLC, Avant of Georgia, LLC, Avant of Idaho, LLC, Avant of Illinois, LLC, Avant of Missouri, LLC, Avant of New Mexico, LLC, Avant of South Carolina, LLC, Avant of South Dakota, LLC, Avant of Utah, LLC, Avant of Virginia, LLC, Avant of Wisconsin, LLC, Avant, Inc. (each an “Avant Provider”) and/or another related Avant Provider.

 

Notice to Texas Residents

Avant is licensed and examined under the laws of the State of Texas and by state law is subject to regulatory oversight by the Office of Consumer Credit Commissioner. Any consumer wishing to file a complaint against Avant should contact the Office of Consumer Credit Commissioner through one of the means indicated below: In Person or U.S. Mail: 2601 North Lamar Boulevard, Austin, Texas 78705-4207. Telephone No.: (800) 538-1579. Fax No.: (512) 936-7610. E-mail: consumer.complaints@occc.state.tx.us. Website: www.occc.state.tx.us.

 

Notice to Vermont Residents

In accordance with Vermont law, Avant will not share information we collect about Vermont residents with companies outside of Avant except as permitted by law, such as with the consent of the customer, to service the customer's accounts or to other financial institutions with which we have joint marketing agreements. We will not share creditworthiness information about Vermont residents among Avant's affiliates except with the authorization or consent of the Vermont resident.