What This Privacy Policy Covers

This policy covers how Wilshire Consumer Credit℠ treats personal information that Wilshire Consumer Credit℠ collects and receives, including information related to your past use of Wilshire Consumer Credit℠ products and services. Personal information is information about you that is a personally identifiable like your name, address, email address, or phone number, and that is not otherwise publicly available. This policy does not apply to the practices of companies that Wilshire Consumer Credit℠ does not own or control, or to people that Wilshire Consumer Credit℠ does not employ or manage.

Information Collection and Use

General

Wilshire Consumer Credit℠ collects personal information when you register with Wilshire Consumer Credit, when you use Wilshire Consumer Credit℠ products or services, when you visit Wilshire Consumer Credit℠ pages or the pages of certain Wilshire Consumer Credit partners.

When you register we ask for information such as your first and last name, account number, social security number, email address, physical address and zip code. Once you register with Wilshire Consumer Credit℠ and sign in to our services, you are not anonymous to us.

Wilshire Consumer Credit℠ collects information about your transactions with us and with some of our business partners, including information about your use of financial products and services that we offer.

Wilshire Consumer Credit℠ automatically receives and records information on our server logs from your browser, including your IP address, Wilshire Consumer Credit℠ cookie information, and the page you request.

Wilshire Consumer Credit℠ uses information for the following general purposes: to customize the content you see, fulfill your requests for products and services, improve our services, contact you, conduct research, and provide anonymous reporting for internal and external clients.

Children

Wilshire Consumer Credit℠ does not conduct business with individuals under the age of 18.

Information Sharing and Disclosure

Wilshire Consumer Credit℠ does not rent, sell, or share personal information about you with other people or nonaffiliated companies except to provide products or services you've requested, when we have your permission, or under the following circumstances:

• We provide the information to trusted partners who work on behalf of or with Wilshire Consumer Credit℠ under confidentiality agreements. These companies may use your personal information to help Wilshire Consumer Credit℠ communicate with you. These companies do not have any independent right to share this information.
• We respond to subpoenas, court orders, or legal processes, or to establish or exercise our legal rights or defend against legal claims;
• We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of Wilshire Consumer Credit℠ contracted terms, or as otherwise required by law.

Cookies

Wilshire Consumer Credit℠ may set and access Wilshire Consumer Credit℠ cookies on your computer.

Advertisers or other companies do not have access to Wilshire Consumer Credit℠'s cookies.

Wilshire Consumer Credit℠ uses web beacons to access Wilshire Consumer Credit℠ cookies inside and outside our network of web sites and in connection with Wilshire Consumer Credit℠ products and services.

Your Ability to Edit and Delete Your Account Information and Preferences

General

New categories of marketing communications may be added to the Marketing Preferences page from time to time.

We reserve the right to send you certain communications relating to the Wilshire Consumer Credit℠ service, such as service announcements or administrative messages that are considered part of your Wilshire Consumer Credit℠ account, without offering you the opportunity to opt-out of receiving them.

Confidentiality and Security

We limit access to personal information about you to employees who we believe reasonably need to come into contact with that information to provide products or services to you or in order to do their jobs.

We have physical, electronic, and procedural safeguards that comply with federal regulations to protect personal information about you.

Changes to this Privacy Policy

Wilshire Consumer Credit℠ may update this policy. Should this policy be changed, the revised policy will be posted in its entirety on this page with an effective date for the policy posted below.

Policy Effective Date: January 1, 2004