Millenium CA Loans ("we," "our," "us") provides this Privacy Policy to describe how we collect, use, disclose, and protect Personal Information when you visit our website.
We encourage you to read this Privacy Policy and to use it to help you make informed decisions.
We revise this Privacy Policy from time to time to reflect changes to our business, Services, or applicable laws. If a revised version requires notice in accordance with applicable law, we will provide advance notice by posting on this page; otherwise, the revised Privacy Policy will be effective as of the published effective date.
HOW THIS POLICY APPLIES
This Policy has two parts so you can clearly see which rules apply to which data uses:
- Part A — GLBA/FCRA ("GLBA Track"): Applies to nonpublic personal information (NPI) collected in connection with your loan offer request, and to any credit information we obtain with your written instructions (e.g., a soft credit inquiry) to evaluate you for alternative financial solutions.
- Part B — State Privacy Laws ("State Track"): Applies only to NPI processed on this site that is not subject to GLBA/FCRA—for example, site telemetry, or advertising/analytics outside of the GLBA context.
If information you submit relates to a financial-product request, GLBA controls even if the same identifiers also appear in other contexts.
PART A — GLBA/FCRA PRIVACY NOTICE
| FACTS | WHAT DO WE 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: • Identifiers and contact information (e.g., name, email, phone numbers, address). • Application/request information (e.g., date of birth, military and employment status, employer and job title, time at job and address, income and pay details, requested amount and purpose, whether you own a car or home, mortgage status, self-reported credit score or debt amount, best time to call). • Sensitive identifiers (e.g., Social Security number; driver's license number and issuing state). • Financial account information (e.g., bank name, routing and account number, account type, time with bank, direct deposit status). • Transaction and experience information related to your request and interactions with us. • Credit information (e.g., results of a soft inquiry obtained with your written instructions; not shared with third parties). • Technical and security data used to protect and process your request. |
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| 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. | ||||||||
PART B — STATE PRIVACY NOTICE
NOTICE AT COLLECTION
Scope. This Notice at Collection summarizes what personal information we collect at or before the point of collection, the purposes for which we use it, how long we retain it, and whether we sell or share it.
Retention. We retain personal information only as long as needed for the purposes described above or as required by law.
YOUR RIGHTS
You have rights to Know / Access, Delete, Correct, Data Portability, Opt-Out of Sale/Sharing, and Non-Discrimination.
For questions or concerns about our Privacy Policy and information practices, please contact us via our Contact Form.