Big
Picture Loans Website Privacy Policy
In this Website Privacy
Policy (the “Privacy Policy”), the words "You" and "Your"
mean the visitor. The words “Big Picture Loans”, “Company”, "We",
"Us", and "Our", mean Big Picture Loans, LLC. Big Picture
Loans is a wholly owned subsidiary of Tribal Economic Development Holdings,
LLC, a wholly owned and operated economic arm and instrumentality of the Lac
Vieux Desert Band of Lake Superior Chippewa Indians ("Tribe"),
created for the benefit of the Tribe and operating pursuant to Tribal law. Big
Picture Loans is licensed and regulated by the Tribal Financial Services
Regulatory Authority, an independent regulatory body of the Tribe. Big Picture
Loans operates in accordance with the Lac Vieux Desert Band of Lake Superior
Chippewa Indians Tribal Consumer Financial Services Regulatory Code
("Code"). A complete copy of the Code can be found at Tribal Consumer Financial
Services Regulatory Code.pdf.
This Privacy Policy
covers the collection, use, and disclosure of personal information that may be
collected by Big Picture Loans anytime You interact with the Company, such as
when You visit Our website, when You apply for a loan, or when You call Our
customer support associates. Please take a moment to carefully read the
following to learn more about Our information practices, including what type of
information is gathered, how the information is used and for what purposes, to
whom We disclose the information, and how We safeguard Your personal information.
Your privacy is a priority at Big Picture Loans, and We go to great lengths to
protect it.
You acknowledge that this
Privacy Policy is part of Our Terms of Website Use, and by accessing or using
Our website, You agree to be bound by all its terms and conditions. If You do
not agree to these terms, please do not access or use this website.
Changes to this Privacy
Policy
In all things, We constantly aim to do the right thing and always seek to
improve. If We need to update this policy, We will do so to be more clear,
open, and honest with You. Such modification will be effective upon its posting
to Our website; it is therefore important that You review this policy
regularly.
Why We Collect
Information
We collect information about You to respond to Your inquiry regarding one of
Our loan products, to offer You one of Our loan products, to keep You informed
of new loan products, to inform You of loan product upgrades or modifications,
and to inform You of special offers.
What Information We
Collect
Personal Data
Personal information is data that can be used to identify or contact a single
person. Personal information does not include anonymous data, or data where the
identity of the individual has been irretrievably removed.
We may collect, use,
store and transfer different kinds of personal data about You which We have
grouped together as follows:
- Identity Data includes
first name, maiden name, last name, username or similar identifier,
salutation, company name, date of birth and gender.
- Contact Data includes
billing address, delivery address, email address, and telephone numbers.
- Financial Data includes
bank account and payment card details.
- Transaction Data includes
details about payments to and from You and other details of products and
services You have purchased from Us, and payments processed in connection
with the use of the Services.
- Technical Data includes
internet protocol (IP) address, internet service provider (ISP), date/time
stamp, Your login data, browser type, language and version, time zone
setting and location, browser plug-in types and versions, operating system
and platform and other technology on the devices You use to access this
website.
- Profile Data includes
Your username and password, preferences, feedback and survey responses.
- Usage Data includes
information about how You use Our app or products.
- Marketing and Communications Data includes
Your preferences in receiving marketing from Us and our third parties and
Your communication preferences.
We also collect, use and
share Aggregated Data such as statistical or demographic data
for any purpose. Aggregated Data may be derived from Your personal data but is
not considered personal data in law as this data does not directly or
indirectly reveal Your identity. For example, We may aggregate Your Usage Data
to calculate the percentage of users accessing a specific website feature.
However, if We combine or connect Aggregated Data with Your personal data so
that it can directly or indirectly identify You, We treat the combined data as
personal data which will be used in accordance with this privacy notice.
Online Activity
You may, at any time, explore the content available on Our website without ever
submitting personal information about Yourself. However, we may collect
information about Your online activity including, but not limited to, Your IP
address, location, device type, browser type, referral source, time spent on
website, and pages viewed.
This website uses
remarketing services to advertise on third-party websites (e.g., search
engines) to previous visitors of Our website. Remarketing places a cookie on
Your web enabled device that allows placement on websites You visit.
Text Message Terms
Big Picture Loans, LLC may send you text messages for non-telemarketing purposes regarding account and servicing information. You can cancel this service at any time by replying "STOP" to a text message. Message frequency varies. Message and Data rates may apply. Carriers are not liable for any delays or undelivered messages. For all questions about text message services you can email us at support@bigpictureloans.com
Children Under the Age of
13
Our Website is not intended for children under 13 years of age. No one under
age 13 may provide any personal information to or on the Website. We do not
knowingly collect personal information from children under 13. If You are under
13, do not use or provide any information on this Website or through any of its
features or register on the Website. If We learn We have collected or received
personal information from a child under 13 without verification of parental
consent, We will delete that information. If You believe We might have any
information from or about a child under 13, please contact Us at Support@BigPictureLoans.com.
How We Use Personal
Information
We will primarily use Your Personal Information to provide Our products and
services to You, as required by Our agreements with You. We will also use
Personal Information to enhance the operation of Our website, offer Our
products and services, improve Our marketing and promotional efforts,
statistically analyze website use, improve Our product and service offerings,
and customize Our website’s content, layout, and services. We may use Personal
Information to deliver information to You and to contact You regarding
administrative notices. We may also use Personal Information to resolve
disputes, troubleshoot problems and enforce Our agreements with You, including
Our Terms of Website Use and this Privacy Policy. If You are a customer or an
applicable consumer under the Gramm-Leach-Bliley Act (GLBA) then certain
information We collect is subject to the Lac Vieux Desert Band of Lake Superior
Chippewa Indians Tribal Consumer Financial Services Regulatory Code (“Code”)
and the principles of the GLBA and the treatment of this information is stated
in Our Privacy
Notice for Your review.
What Information We Share
We will only share information as allowed by the Code, applicable law and
described in this Privacy Policy. We will not sell Your personal data
to any third party, unless specifically authorized by You. For
example, during the application process you may choose to check a box that
currently states “I agree that if Big Picture Loans is unable to approve my
loan application, I would like it to use the information I provided in my
application to help me find another lender who may approve my loan”.)
We may disclose Your
personal information to Our parent, subsidiaries, and affiliates or to Our
contractors, service providers, and other third parties We use to support Our
business. We may also disclose Your personal information if We believe that We
are required to do so by applicable law; to comply with legal process or
governmental requests.
Your personal information
may be shared with credit bureaus to determine Your creditworthiness or to occasionally
review Your credit.
We may share information
with third parties in order to verify Your identity, pre-fill loan
applications, and facilitate Your pre-qualification for a loan.
Cookies
Big Picture Loans and its service providers use cookies to administer the
website, personalize Your online experience and save You time, track user
online activity, provide advertisements and gather demographic information
about Our users. Cookies help Us recall certain information about You when You make
subsequent visits.
You can turn off cookie
tracking in Your web browser's privacy settings. See below links for
instructions on how to enable or disable cookies on Your browser.
- Chrome
- Internet Explorer
- Safari
- Firefox
Unsubscribing
You can unsubscribe from receiving digital marketing communication offers from
Big Picture Loans at any time by clicking the unsubscribe link located at the
bottom of any marketing email. Additionally, users can go to www.BigPictureLoans.com for
more opt out options.
Privacy Policies of
Third-Party Websites and Third-Party Requirements
Except as otherwise provided in this Privacy Policy, this document only
addresses the use and disclosure of information We collect from You. Other
websites accessible through Our website have their own privacy policies and
data collection, use and disclosure practices and other requirements. Please
consult each website’s privacy policy. We are not responsible for the policies
or practices of third parties. Additionally, other companies which place
advertising on Our website may collect information about You when You view or
click on their advertising through the use of cookies. We cannot control this
collection of information. You should contact these advertisers directly if You
have any questions about their use of the information that they collect.
You authorize your
wireless operator to disclose your mobile number, name, address, email, network
status, customer type, customer role, billing type, mobile device identifiers
(IMSI and IMEI) and other subscriber and device details, if available, to Big
Picture Loans and service providers for the duration of the business
relationship, solely for identity verification and fraud avoidance.
Our Security Procedures
We take careful steps to safeguard customer information. We restrict access to
Your personal and account information to those employees who need to know that
information to perform their jobs, and We provide regular training to Our
employees on privacy, information security, and their obligation to safeguard
Your information. We maintain physical, electronic, and procedural safeguards
that comply with industry standards to protect Your personal information and We
regularly test those safeguards.
You can safeguard Your
personal information by taking a few simple precautions. Protect Your account
numbers, passwords, PIN’s, and customer access numbers. Never disclose
confidential information to unknown callers. You should always use a secure
browser and current virus detection software, and never open email from unknown
sources.
Contact Us
If You have any questions about this Privacy Policy, the practices of this
website, or Your dealings with this website, please contact us at:
Big Picture Loans
Customer Support
P.O Box 704
Watersmeet, MI 49969
1.800.957.6141
support@bigpictureloans.com