Halo Funding, LLC's GLBA Notice

Facts: What does Halo Funding, 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 Halo Funding, LLC ("Halo") 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:

Social Security Number and transaction history
Account balances and payment history
Household income

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 Halo chooses to share; and whether you can limit this sharing.

Reasons Halo can share your personal information	Does Halo 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	No	We do not share
For joint marketing with other financial companies	No	We do not share
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	No
For our affiliates to market to you	No	We do not share
For nonaffiliates to market to you	No	We do not share

For more information about the information Halo collects, your privacy rights, and how we protect your privacy, please visit Halo's privacy policy.

Who we are	Answer:
Who is providing this notice?	This notice is provided by Halo Funding, LLC.

What we do	Answer:
How does Halo 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 Halo collect my personal information?	We collect your personal information, for example, when you: apply for a loan or give us your contact information, provide employment information or give us your income information. We also collect your personal information from others, such as credit reporting agencies.
Why can't I limit all sharing?	Federal law gives you the right to limit only: sharing for affiliates’ everyday business purposes — information about your creditworthiness, affiliates from using your information to market to you, sharing for nonaffiliates to market 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.

Term	Definition
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates with which we share personal information include our capital partners and our loan servicing partner.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Halo does not engage in Joint Marketing.

Other Important Information

For California Customers: In accordance with California law, we will only share information we collect about California residents with nonaffiliates as permitted by applicable law. For example, we may share information with your consent, and to provide our products and services to you. We limit the sharing of your personal information to the extent required by California law.

For Vermont Customers: In accordance with Vermont law, we will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information or financial information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.

Additional information concerning our privacy policies can be found at https://www.joinhalo.com/privacy-policy