Last Updated: November 2024
This Privacy Policy explains how Little Lake Lending ("we," "us," or "our"), owned and operated by the Big Valley Band of Pomo Indians, collects, uses, and protects your personal information.
🛡️ Our Commitment to Your Privacy
We are committed to protecting your personal information and respecting your privacy. We use industry-leading security measures to safeguard your data and comply with all applicable privacy laws and tribal regulations.
📊 Information We Collect
When you apply for a loan or use our services, we may collect:
- Personal Identification: Name, date of birth, Social Security number, government-issued ID
- Contact Information: Address, phone number, email address
- Financial Information: Bank account details, income information, employment details
- Credit Information: Credit reports and scores from credit bureaus
- Usage Data: Information about how you use our website and services
🎯 How We Use Your Information
We use your information to:
- Process your loan application and make lending decisions
- Verify your identity and prevent fraud
- Communicate with you about your loan and account
- Provide customer service and support
- Improve our services and website functionality
- Comply with legal and regulatory requirements
- Send you important updates and notifications
🔐 How We Protect Your Information
We implement robust security measures to protect your personal information:
- Encryption: All sensitive data is encrypted using bank-level SSL/TLS encryption
- Secure Storage: Your information is stored on secure servers with restricted access
- Access Controls: Only authorized personnel have access to your personal data
- Regular Audits: We conduct regular security audits and assessments
- Employee Training: Our staff is trained in data security and privacy best practices
🤝 Information Sharing
We do not sell your personal information to third parties. We may share your information with:
- Credit Bureaus: To verify credit information and report payment history
- Service Providers: Trusted partners who help us operate our services (under strict confidentiality agreements)
- Legal Authorities: When required by law or to protect our legal rights
- Affiliated Entities: Within the Big Valley Band of Pomo Indians organization for lending purposes
📝 Your Privacy Rights
You have the right to:
- Access the personal information we hold about you
- Request correction of inaccurate information
- Opt out of marketing communications
- Request deletion of your information (subject to legal requirements)
- Lodge a complaint with appropriate authorities
To exercise these rights, please contact us at: [email protected]
🍪 Cookies and Tracking
We use cookies and similar technologies to:
- Remember your preferences and settings
- Understand how you use our website
- Improve website functionality and user experience
- Analyze website traffic and performance
You can control cookies through your browser settings, though some features may not work properly if cookies are disabled.
👶 Children's Privacy
Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will delete it immediately.
⚖️ Tribal Sovereignty
Little Lake Lending operates under the sovereignty of the Big Valley Band of Pomo Indians, a federally recognized American Indian tribe. Our lending practices are governed by tribal law and applicable federal regulations.
🔄 Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on our website with an updated "Last Updated" date. Your continued use of our services after changes constitutes acceptance of the updated policy.
📞 Contact Us
If you have questions about this Privacy Policy or how we handle your information, please contact us:
Little Lake Lending Privacy Team
Email: [email protected]
Phone: 1-800-LENDING
Available: 24/7