Website Privacy Policy

Last updated: October 15, 2024

Notice to California Residents:  Please click here to learn more about your privacy rights.

Notice to Oregon Residents:  Please click here to learn more about your privacy rights.

This privacy policy is meant to help you understand how we collect, use, and protect your personal information. We are committed to maintaining your trust and confidence when it comes to the privacy of your personal information, so please take a moment to read about how we do that below.

First, we want to make sure you understand some terms we use in this privacy policy. When we say “website”, we mean https://www.reliablecredit.com as well as the Reliable Credit app. When we say “Reliable Credit”, “we”, or “us”, we mean Reliable Credit Association, Inc. When we say “consumer”, “you” or “your”, we mean consumers who visit this website. When we say “personal information”, we mean information that can be associated with a specific person and can be used to identify that person.

Information We Collect

Information we get from you:

We collect personal information about you if you engage in transactions with us. For example, we may collect your personal information if you decide to apply for a loan online, such as contact information and your financial information. Here are the kinds of personal information we collect from you:

  • Identifying Information: We collect information that could identify you such as your name, address, telephone number, email address, driver’s license number, and Social Security Number.

  • Financial Information: We may also collect your financial account information such as bank account number and debit card number, as well as credit score, credit history, income, assets, and similar information in the course of processing any transaction related to our products or services. For additional information relating to your choices about financial information specifically, see our Privacy Notice .

Information collected automatically:

We also automatically collect certain data that is not used to identify you when you interact with us online. For example, we may receive data about Reliable Credit app usage, website usage, and customer satisfaction surveys.

Like many businesses, we collect information through cookies and similar technologies automatically when you visit our website. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our website, and other technical information. This information is primarily needed to maintain the security and operation of our website, and for our internal analytics purposes.

We may use analytics service providers to analyze how you interact and engage with our website, so we can learn and make enhancements to offer you a better experience. Some of these entities may use cookies, web beacons and other technologies to collect information about your use of the Reliable Credit website, which may include tracking activity across time, web browser, pages viewed, time spent on pages, links clicked and similar information.

You can read more about this type of information collection in our cookie policy here.

Where We Get Your Information

  • Information provided by you: We collect information from you when you enter it or otherwise provide it to us in connection with our products and services. This information could be provided via an online form, over the phone, our app, or via other means in which you interact with us. We may collect your social security number.

  • Information from third parties: We also collect personal information from third parties we interact with in connection with your transactions with us. For example, information may be collected from credit bureaus, skip tracing services, repossession agents, collection agencies, and other partners who may have your personal information.

  • Information from cookies and other tracking technologies: We use cookies, web beacons, and similar technologies to record your preferences, track the use of our website and collect information. This information may include, referring/exit pages, operating system, date/time stamp, and/or browser type. All of this information is anonymized and cannot be used by us for tracking.

What We Do With Your Information

We are not in the business of selling your personal information. We use the information for the purposes disclosed, including to provide you the services requested. We only share your personal information with third parties to fulfill the purpose for which you provided it in connection with your transactions with us, such as to process your application, process your payments, and service your account.

We may also disclose your personal information:

  • To any successor if we sell our business.

  • To comply with any court order, law, or legal process, including to respond to any government or regulatory request.

  • If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Reliable Credit, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

  • With your consent. 

Third-Party Use of Cookies and Other Tracking Technologies

Some website content is served by third parties. These third parties may use cookies, alone or in conjunction with web beacons or other tracking technologies, to collect information about you when you use our website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services.

We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly.

For example, Google, Inc. (“Google”) uses cookies in connection with its Google Analytics services. Google’s ability to use and share information collected by Google Analytics about your visits to this website is subject to the Google Analytics Terms of Use and the Google Privacy Policy. You have the option to opt out of Google’s use of cookies by visiting the Google advertising opt-out page at https://policies.google.com/technologies/ads or the Google Analytics Opt out Browser Add-on at https://tools.google.com/dlpage/gaoptout/. 

Your Choices Regarding Information We Collect

We do our best to provide you with choices about the personal information you provide us. Here is how you can control your information:

  • Tracking Technologies: You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly. You can read more about this type of information collection in our cookie policy here.

  • Promotional Offers from Us: If you do not wish to have your [email address/contact information] used by Reliable Credit to promote our own products or services, you can opt out by contacting your local branch office via telephone stating your request or by sending an email stating your request to [email protected]. If we have sent you a promotional email, you may click unsubscribe at the bottom of that email. This opt out does not apply to information provided to Reliable Credit as a result of a product purchase or other transaction entered into with us.

Security

Reliable Credit is committed to protecting the confidentiality of your information and online transactions. We maintain physical, electronic, and procedural safeguards designed to protect your personal information. We have security procedures in place to safeguard against loss, theft, unauthorized access, destruction, misuse, and modification of this information after we receive it. For example, Reliable Credit restricts access to the information to our employees, agents, and contractors who need to know such information to provide products or services to you. In particular, we protect the confidentiality and security of social security numbers, limit access to such numbers to individuals who need access to that information, prohibit unauthorized disclosure of that information, and securely dispose of that information when no longer needed.

Do-Not-Track Signals

Your browser may offer you a “Do Not Track” or “DNT” option, which allows you to opt out of certain of your online activities over time and across different websites. Many websites and applications, including ours, do not support Do Not Track requests at this time because DNT signals are not yet uniform, which means that we may collect information about your online activity both while you are using our website and after you leave. For more information about DNT signals, please visit http://allaboutdnt.com. Other third-party websites may keep track of your browsing activities when they provide you with content, which enables them to customize what they present to you on their websites.

Personal Information on Children

Our products and services are intended for use by individuals who are at least 13 years old. If you are under the age of 13, you should not be visiting our website. We do not knowingly collect or retain personal information from children under the age of 13. If you are under the age of 13 and are visiting or otherwise using this website, you are advised not to disclose or provide any personal information on this website.

Revisions to This Policy

We are always improving. From time to time, we may update this policy to reflect any changes to our business or to the law that might affect this policy. We encourage you to visit this page frequently to see recent changes. You can see the date on which the latest version of this privacy policy was posted at the very top of this page.

How to Contact Us

If you have any questions, please call us during normal business hours at 1-888-462-3003 or write us at:

Reliable Credit Association, Inc.
Attn: General Counsel
PO Box 22829
Milwaukie, OR 97269