Privacy Policy

Stone Gate Finance Company Privacy Policy

1. Introduction
At Stone Gate Finance Company, we prioritize your privacy and the security of your personal information. This Privacy Policy outlines how we collect, use, and protect your data while ensuring compliance with applicable U.S. laws. We do not sell, share, or disclose your personal information to third-party marketers or telecallers.

2. Information We Collect
We may collect personal information necessary to provide financial services, including but not limited to:

Name, address, and contact details
Social Security Number (SSN) or Tax Identification Number (TIN)
Employment and income details
Financial history and account information

3. How We Use Your Information
Your personal data is used strictly for the purposes of:

Processing loan applications and providing financial services
Ensuring compliance with regulatory requirements
Preventing fraud and unauthorized transactions
Communicating account-related updates

4. No Third-Party Marketing or Telecalling
Stone Gate Finance Company does not share your personal data with third-party marketers, telecallers, or external entities for promotional purposes. Your information remains confidential and is used solely within the scope of our financial services.

5. Compliance with U.S. Laws
We comply with all relevant federal and state privacy laws, including:

Gramm-Leach-Bliley Act (GLBA): Governs the collection, use, and disclosure of non-public personal information (NPI) by financial institutions.
Fair Credit Reporting Act (FCRA): Regulates the use of consumer credit information and ensures data accuracy.
Dodd-Frank Wall Street Reform and Consumer Protection Act: Establishes consumer protection standards in financial services.
Right to Financial Privacy Act (RFPA): Protects consumer financial records from unauthorized government access.

6. Insurance-Backed Loans and Privacy Considerations
For customers opting for insurance-backed loans, we ensure that:

All insurance-related information remains confidential and is disclosed only to relevant insurers and regulatory authorities when required by law.
Loan agreements specify terms regarding the use of insurance policies as collateral.
Insurance policy details are not shared with unauthorized third parties.

7. Data Security Measures
We implement industry-standard security measures to safeguard customer information, including:

Encryption and secure storage of sensitive data
Access controls and authentication protocols
Regular security audits and compliance checks

8. Your Rights and Choices
Customers have the right to:

Request access to their personal information
Correct inaccuracies in their records
Opt out of non-essential communications
Request data deletion, subject to legal and contractual obligations

9. Changes to This Privacy Policy
Stone Gate Finance Company reserves the right to modify this policy as needed. Customers will be notified of any significant changes via our website or direct communication.

USA PATRIOT Act Notice: Important Information About Procedures for Opening a New Loan Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

* Applications submitted on this website may be funded by one of several lenders, including: Fin Wise Bank, a Utah-chartered bank, Member FDIC; Coastal Community Bank, Member FDIC; and Prosper Loan, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms, and annual percentage rates ("APR") may vary based upon Prosper Loan's proprietary scoring and underwriting system's review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees up to 10% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $1,000 to $36,500, at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 72 months. Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $2,000. For a well-qualified customer, a requested loan of $10,000 serviced by Prosper Loans over a period of 48 months that has an APR of 26.59% with an origination fee of 10% may have a payment of $340.52 per month. (Actual terms and rate depend on credit history, income, and other factors.) The total amount due under the loan terms provided is $16,345.12 and the disbursal amount is $10,000. In the example provided, the total financed amount is increased to receive the full requested loan amount after the origination fee is deducted. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.