| FACTS | WHAT DOES UPTURN USA LLC 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:
|
| 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 Upturn chooses to share; and whether you can limit this sharing. |
| REASONS WE CAN SHARE YOUR PERSONAL INFORMATION | Does Upturn 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 non-affiliates 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 (855) 887-8876 or go to https://www.upturn.com |
| WHAT WE DO | |
|---|---|
| How does Upturn 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 Upturn collect my personal information? |
We collect your personal information, for example, when you:
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:
|
| 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 non-financial companies.
|
| Non-Affiliates |
Companies not related by common ownership or control. They can be financial and non-financial companies.
|
| Joint Marketing |
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. |
| OTHER IMPORTANT INFORMATION |
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State laws may also provide you with specific privacy protections. Please note those individual circumstances below that may apply to you. We will comply with applicable state laws with respect to our use of your information. So long as we are providing you with services under your Agreement with Upturn, we will provide the Privacy Policy to you at least annually. California Residents: We will not share your personal information with non-affiliated third parties for their marketing purposes without your affirmative consent. Except as permitted by law, we will not share your personal information with our affiliates or joint marketing partners without first giving you additional privacy choices. Nevada Residents: If you prefer not to receive marketing calls from us, you may be placed on our Do Not Call List by calling (855) 887-8876. This notice is provided pursuant to Nevada law. You can obtain further information by contacting the Nevada Attorney General's Office at 100 North Carson Street, Carson City NV 89701, (775) 684-1100, or aginfo@ag.nv.gov. Montana Residents: We will not disclose your name or any personal information to anyone other than your own creditors or our agents, affiliates, or contractors. Job Applicants SMS terms: Upturn USA LLC, offers you the option to engage in SMS text conversations about your job application. By participating, you also understand that message frequency may vary depending on the status of your job application, and that message and data rates may apply. Please consult your carrier for further information on applicable rates and fees. Carriers are not liable for delayed or undelivered messages. Reply STOP to cancel and HELP for help. By opting-in to receiving SMS text messages about your job application, you acknowledge and agree that your consent data, mobile number, and personal information will be collected and stored solely for the purpose of providing you with updates and information related to your job application. We are committed to protecting your privacy and shall not share or sell your consent data, mobile numbers, or personal information to third parties under any circumstances. |
Effective December 2025