Privacy Policy

Rev. 12/14
FACTS WHAT DOES ETHOS LENDING 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:
  • Social Security Number and Account Balances
  • Payment History and Credit History
  • Credit Scores and Income
How? All financial companies need to share customer personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer’s personal information; the reasons Ethos Lending LLC (“Ethos Lending”) chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Ethos Lending 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 credit worthiness
Yes Yes
For our affiliates to market to you Yes Yes
For nonaffiliates to market to you Yes Yes
To limit our sharing
  • Call toll-free 855-384-6753
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 toll-free 855-384-6753 or go to www.ethoslending.com

Who we are
Who is providing this notice? Ethos Lending LLC and its affiliated entities, such as Fenway Summer LLC and FS Card Inc.

What we do
How does Ethos Lending 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 Ethos Lending collect my personal information?

We collect your personal information, for example, when you

  • Apply for a loan or
  • Give us your contact information or
  • Give us your employment history or
  • Give us your income information or
  • Provide your mortgage information

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.
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.

  • Companies operating under the Ethos Lending, Fenway Summer, or FS names.
Nonaffiliates

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

  • Nonaffiliates we share with can include financial service companies such as mortgage lenders, brokers, investors, servicers, insurance companies, credit card and unsecured lenders, as well as retailers and nonprofit groups.
Joint Marketing

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

  • Our joint marketing partners include financial service companies.

Other important information
Do Not Call Policy:
This notice is the Ethos Lending LLC Do Not Call Policy under the Telephone Consumer Protection Act. We do not solicit via telephone numbers listed on the state or federal Do Not Call lists, unless the law allows. Ethos Lending LLC employees receive training on how to document and process telephone marketing choices. Consumers who ask not to receive telephone solicitations from Ethos Lending LLC will be placed on our Do Not Call list and will not be called in any future campaigns, including those of our affiliates. If you communicate with us by telephone, we may monitor or record the call.

For Nevada residents only:
We are providing you this notice under state law. You may be placed on our internal Do Not Call List by following the directions in the To limit direct marketing contact section. Nevada law requires we provide the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number-702.486.3132; email: BCPINFO@ag.state.nv.us. Ethos Lending LLC, 180 Montgomery Street, Suite 1000, San Francisco, CA 94104. Call us toll-free at 855-384-6753.

Vermont:
Under Vermont law, we will not share information we collect about Vermont residents with companies outside of our corporate family, unless the law allows. For example, we may share information with your consent, to service your accounts or under joint marketing agreements with other financial institutions with which we have joint marketing agreements. We will not share information about your creditworthiness within our corporate family except with your consent, but we may share information about our transactions or experiences with you within our corporate family without your consent.

California:
Under California law, we will not share information we collect about you with companies outside of Ethos Lending LLC, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing among our companies to the extent required by California law.
©2017 Ethos Lending LLC, All Rights Reserved. NMLS 1121650 - NMLS Consumer Access