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Rev. 05/2014

FACTS: What does Star Group, LLC dba Star Group Loans 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 checking account information
  • Transaction history and income
  • Credit history and account balances

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 Star Group, LLC dba Star Group Loans

chooses to share; and whether you can limit this sharing.



Reasons we can share your personal information

Does COMPANY 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

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 888.228.2894 or go to https://www.stargrouploans.net/privacy



Who we are

Who is providing this notice?

Star Group, LLC dba Star Group Loans

What we do

How does Star Group, LLC dba Star Group Loans

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 Star Group, LLC dba Star Group Loans

collect my personal information?

We collect your personal information, for example, when you

  • Submit a loan request or provide your contact information
  • Request help obtaining a loan

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.

Defi nitions

Affi liates

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

Nonaffiliates

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.

Other important information

Our policy about obtaining and disclosing information may change from time to time. Material changes to this Privacy Policy will be posted here and are deemed effective upon posting and without additional notice to you.

California residents: We will not share information we collect about you with affiliated or non-affiliated third parties, except in the limited circumstances permitted under state law, or if you give us your permission (i.e., via a request form). Also please note that in order to provide better services to consumers, when we receive a Do Not Track signal, we may ignore such signals. Other parties may collect personally identifiable information about an individual consumer's online activities over time and across different web sites when a consumer uses our website or service.

North Dakota residents: We will not disclose information about you with non-affiliated, third party companies or financial institutions, other than as required or permitted by law, without your express permission.

Nevada residents: If you would like more information regarding this notice or Nevada's law regarding corporate do-not-call registries, you can contact us at the toll-free number or address included in this notice or the Bureau of Consumer Protection, Office of the Nevada Attorney General at 555 E. Washington Street, Suite 3900, Las Vegas, Nevada 89101; Phone: (702)486-3132/Email: [email protected]

Vermont residents: We will not disclose information about you with affiliates or non-affiliated, third party companies or financial institutions, other than as required or permitted by law, without your express permission.

Wireless and Text Messaging Policy: By providing your cell phone number, you have provided us with consent to send you text messages in conjunctions with the services you have requested. Your cellular provider's Msg&Data Rates may apply to our confirmation message and all subsequent messages. You understand the text messages we send may be seen by anyone with access to your phone. Accordingly, you should take steps to safeguard your phone and your text messages if you want them to remain private.

Please notify us immediately if you change mobile numbers or plan to provide your phone to another person. If we modify this Text Message Policy, we will notify you by sending you a text message with a link to the new policy. We may terminate our text message program at any time. If you have any questions about this policy, would like us to mail you a paper copy of this policy or are having problems receiving or stopping our text messages, please contact us using the following information: Star Group Loans, 623 Main Street, Hunkins Plaza, Charlestown, Nevis, West Indies.

You agree and consent to be contacted by Lender, our agents, employees, affiliates, loan servicing companies, and third-party collectors through the use of email, telephone calls, facsimiles and/or SMS text messages to your cellular, pager, facsimile, home or work numbers, as well as any other telephone number you have provided in conjunction with this loan, including the use of automatic telephone dialing systems, autodialers, or an artificial or prerecorded voice for the purposes of providing service to you for this Loan and service and offers for related products and services. You consent to Lender's use of your personal information to provide the services you have requested, including services that display customized content and advertising.

Opt-out or STOP

This policy applies to the text messages sent by Lender to our customers while and after they use our product. If you wish to stop receiving marketing text messages from us, reply to any text message we have sent you and in the reply text simply type STOP. If you wish to stop receiving all text messages from us, including those with information about payment due dates or missed payments, type STOP ALL in the reply text you send us. Your stop request will become effective within one day. You may also stop text messages by calling us or emailing us using the contact information below.

Help or Support

If at any time you need our contact information or information on how to stop text messages, reply to any text message we have sent you and in the reply text simply type HELP. You may also visit our contact page at https://www.stargrouploans.net/contact or call us at 888-228-2894. Upon receiving your text message, we will send you a text message with this information. It is our policy to send no more than 20 messages per month. In general, the messages we send provide you with information about your account. Some of the text message we send may include links to websites. To access these websites, you will need a web browser and Internet access.