PRIVACY NOTICE AND PRIVACY POLICY

Last Updated: May 13, 2026

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What Does LOYALTY FINANCE LLC Do With Your Personal Information?

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Why?

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Financial companies choose how they share your personal information. Federal law gives consumers the right to limit certain types of information sharing, but not all sharing. Federal law also requires us to tell you how we collect, use, share, and protect your personal information.

Please read this Privacy Notice carefully to understand how LOYALTY FINANCE LLC (“LOYALTY FINANCE,” “we,” “us,” or “our”) handles your information.

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What Information Do We Collect?

The types of personal information we collect and share depend on the products or services you obtain from us.

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This information may include:

• Name, address, phone number, and email address

• Social Security number and date of birth

• Government-issued identification information

• Income, employment, and banking information

• Loan applications and supporting documentation

• Payment history and transaction information

• Credit history, credit reports, and credit scores

• Information submitted through forms, applications, or communications

• Device information, IP address, browser type, and website activity

• SMS, email, or WhatsApp communication preferences

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How Do We Collect Your Information?

We collect your personal information in various ways, including when you:

• Complete loan applications or forms

• Request financial products or services

• Submit documents or verification information

• Communicate with our office

• Visit or interact with our website

• Communicate with us by phone, email, SMS, or WhatsApp

• Interact with advertisements, landing pages, or marketing campaigns

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We may also collect information from:

• consumer reporting agencies;

• financial institutions;

• affiliates;

• service providers;

• marketing partners;

• publicly available sources.

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Why Do We Share Your Personal Information?

Financial companies may share customers’ personal information to operate their everyday business activities.

Below are the reasons LOYALTY FINANCE may share your personal information and whether you can limit certain types of sharing.

 

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Affiliate and Business Transfer Disclousure

We may share, transfer, disclose, or make available personal information to our parent companies, subsidiaries, affiliates, commonly owned entities, strategic partners, service providers, contractors, successors, assigns, or related companies for operational, servicing, compliance, marketing, analytics, customer support, financial, administrative, or other legitimate business purposes, as permitted by applicable law.

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LOYALTY FINANCE and its affiliated entities may utilize shared systems, databases, personnel, technology platforms, customer relationship management systems (CRM), communication systems, analytics tools, and operational infrastructure for servicing, support, compliance, administrative, and business purposes.

In connection with a merger, acquisition, restructuring, financing transaction, investment transaction, sale of assets, transfer of servicing rights, portfolio sale, or transfer of business operations, personal information may be transferred, disclosed, or made available as part of such transaction, subject to applicable legal and regulatory requirements.

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How Can You Limit Certain Sharing?

To limit certain information sharing permitted by law, you may contact us using the information below.

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Please note:

• If you are a new customer, we may begin sharing your information 30 days from the date this notice is provided to you.

• When you are no longer our customer, we may continue to share your information as described in this notice and as permitted by law.

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You may contact us at any time regarding your privacy preferences.

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How Does LOYALTY FINANCE Protect Your Personal Information?

To protect your personal information from unauthorized access and use, we maintain commercially reasonable physical, electronic, and administrative safeguards that comply with applicable legal and regulatory requirements.

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These safeguards include:

• secured systems and networks;

• restricted employee access;

• encryption technologies where appropriate;

• fraud prevention and monitoring systems;

• secure document retention practices.

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However, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security.

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How Does LOYALTY FINANCE Use Cookies and Tracking Technologies?

Our website may use:

• cookies;

• analytics tools;

• advertising pixels;

• session technologies;

• tracking technologies;

• remarketing technologies.

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These technologies help us:

• improve website functionality;

• personalize user experiences;

• analyze traffic;

• measure advertising performance;

• support marketing campaigns.

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By using our website, you consent to the use of such technologies in accordance with this Privacy Notice.

You may disable cookies through your browser settings; however, portions of the website may not function properly.

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SMS, WhatsApp, and Electronic Communications

By providing your telephone number or contact information, you expressly consent to receive:

• phone calls;

• emails;

• SMS/text messages;

• WhatsApp messages;

• prerecorded or automated communications;

• payment reminders;

• servicing notifications;

• collection communications;

• marketing communications;

• account-related notifications.

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Message frequency may vary. Standard message and data rates may apply.

You may opt out of SMS communications at any time by replying STOP to any text message or by contacting us directly.

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Consent to receive communications is not a condition of loan approval.

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Regulatory and Compliance Disclosure

LOYALTY FINANCE LLC intends to operate in compliance with applicable federal and local laws and regulations governing consumer lending and financial services, including but not limited to:

• regulations and requirements of the Office of the Commissioner of Financial Institutions of Puerto Rico (“OCIF”);

• the Truth in Lending Act (“TILA”);

• the Equal Credit Opportunity Act (“ECOA”);

• the Fair Credit Reporting Act (“FCRA”);

• applicable anti-fraud and consumer protection laws;

• applicable guidance issued by federal and state regulatory agencies;

• applicable laws and regulations of the Commonwealth of Puerto Rico and the United States.

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Certain financial products or services referenced on this website may be subject to:

• eligibility requirements;

• identity verification;

• underwriting review;

• income verification;

• approval criteria;

• regulatory restrictions.

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Nothing contained on this website shall constitute:

• a guarantee of loan approval;

• a guarantee of financing;

• a guarantee of specific financial outcomes.

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Nothing contained on this website shall be interpreted as a waiver of any consumer rights or protections provided under applicable law.

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Credit Reporting and Consumer Rights

Consumers have the right to:

• request information regarding adverse credit decisions where required by law;

• dispute inaccurate information with consumer reporting agencies;

• receive certain disclosures as required under applicable federal and Puerto Rico laws.

LOYALTY FINANCE may obtain consumer reports and other financial information in connection with applications, account reviews, servicing, collections, or other permissible purposes under applicable law.

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Third-Party Websites

Our website may contain links to third-party websites or services.

LOYALTY FINANCE is not responsible for:

• third-party privacy practices;

• website content;

• security measures;

• products or services offered by third parties.

Your use of third-party websites is at your own risk.

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Children’s Privacy

Our website and services are not directed toward individuals under eighteen (18) years of age.

LOYALTY FINANCE does not knowingly collect personal information from minors in violation of applicable law.

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Changes to This Privacy Notice

LOYALTY FINANCE reserves the right to modify or update this Privacy Notice at any time.

Any modifications become effective immediately upon posting on our website.

The “Last Updated” date at the top of this page reflects the latest revision.

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Questions or Contact Information

If you have questions regarding this Privacy Notice or your personal information, please contact:

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LOYALTY FINANCE LLC
Email: info@loyaltyfinancepr.com
Phone: (787) 707-0170

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