Star Of Texas Financial Solutions

CSO AND LENDER PRIVACY POLICIES

CSO PRIVACY POLICY

Star of Texas Financial Solutions, and its affiliates (collectively "the CSO Companies") have a privacy policy for consumers. The policy applies to all nonpublic personal information about a consumer that is obtained by the CSO Companies in connection with providing a consumer a financial product or service for personal, family, or household purposes. The policy covers all nonpublic personal information collected by the CSO Companies and applies during the course of the customer relationship and after the relationship has ended.

The CSO Companies depend on a variety of sources of information to provide efficient and appropriate levels of service. They get and store nonpublic personal information from: (1) the initial contact with a consumer, where nonpublic personal information is provided on consumer applications and account set-up screens. This information may include consumer's name, address, phone number and other information provided to us; (2) consumer transaction activity, including frequency of transactions and payments, most recent transaction, phone requests, services purchased and other information; and (3) consumer reporting agencies.

The CSO Companies have systems that provide secure retention of all consumer records. They protect the security and privacy of all nonpublic personal information by restricting access and following security standards and procedures to protect against unauthorized use.

The CSO Companies do not disclose any nonpublic personal information about consumers to any company that does not have a marketing agreement with them or is not a CSO Companies or parent(s), subsidiaries or affiliates thereof, except as permitted or required by law. CSO Companies may disclose nonpublic personal information, as described above, to companies or financial institutions with which they have joint marketing agreements or have been hired by them to perform marketing services. Of necessity, the CSO Companies will share nonpublic information with any THIRD (3rd) party that provides services necessary to the transaction you have entered into and the auditing, legal review, servicing, funding or collection relating thereto.

LENDER PRIVACY POLICY

Vectis Funding, LLC ("Lender") has a privacy policy that applies to all nonpublic personal information about a consumer that is obtained by Lender in connection with providing a consumer a financial product or service for personal, family, or household purposes. The policy covers all nonpublic personal information collected by Lender and applies during the course of the customer relationship and after the relationship has ended.

Lender depends on a variety of sources of information to provide efficient and appropriate levels of service, including: (1) the initial contact with a consumer where nonpublic personal information is provided on consumer applications and account set-up screens. This information may include the consumer's name, address, phone number and other information provided to us; (2) consumer transaction activity, including frequency of transactions and payments, most recent transaction, phone requests, services purchased and other information; and (3) consumer reporting agencies.

Lender has systems that provide secure retention of all consumer records. Lender protects the security and privacy of all nonpublic personal information by restricting access and following security standards and procedures to protect against unauthorized use.

Lender does not disclose any nonpublic personal information about its consumers to any company that does not have a marketing agreement with Lender or is not affiliated with Lender, except as permitted or required by law. Lender may disclose nonpublic personal information, as described above, to companies or financial institutions with which it has joint marketing agreements or that have been hired by Lender to perform marketing services. Of necessity, Lender will share nonpublic personal information with CSO Companies.

Subscriber text messaging originator opt-in data and consent details will not be shared with any third parties except when explicitly authorized by the subscriber.

FACTS	WHAT DOES Star of Texas Financial Solutions ("CSO") 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 us 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 income Account balances and payment history Credit history and credit scores.
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 Star of Texas Financial Solutions chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information		Does Star of Texas Financial Solutions 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		Yes	No
For joint marketing with other financial companies		Yes	No
For our affiliates' everyday business purposes – information about your transactions and experiences		Yes	No
For our affiliates everyday business purposes – information about your creditworthiness		No	We don't share
For our affiliates to market to you		No	We don't share
For nonaffiliates to market to you		No	We don't share
To limit our sharing	Call 855-243-5433 – our menu will prompt you through your choice(s); or Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?	Call 855-243-5433

What we do

How does Star of Texas Financial Solutions 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. We also maintain physical, electronic and procedural safeguards i.e. computer virus protection software, firewalls, 128-bit Secure Socket Layer. Only authorized employees have access.
How does Star of Texas Financial Solutions collect my personal information?	We collect your personal information, for example, when you Apply for a loan Give us your income information Provide employment information Provide account information Give us your contact information We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
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.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account
Definitions
Affiliates	Financial and nonfinancial companies related by common ownership or control . Our affiliates include companies with a common corporate identity such as Vectis Funding, LLC, DSI Lending Resources, Inc., K2 Finance, Inc. and RCL Finance, Inc.
Nonaffiliates	Financial and nonfinancial companies are not related by common ownership or control. Nonaffiliates, we share with can include direct marketing companies for application resell, direct mail and other purposes.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include financial institutions, credit card companies, partners that promote our products, pre-paid debit card providers and other lending companies.

Other important information

Vermont residents: We will not disclose information about you with affiliates or non-affiliated, third-party companies or financial institutions, other than as required or permitted by law, without your express permission.

California residents: We will not share information we collect about you with affiliated or non-affiliated third parties, except in the limited circumstances permitted under state law, or if you give us your permission.

North Dakota residents: We will not disclose information about you with non-affiliated, third-party companies or financial institutions, other than as required or permitted by law, without your express permission.

Nevada residents: If you would like more information regarding this notice or Nevada's law regarding corporate do not-call registries, you can contact us at the toll-free number or address included in this notice or the Bureau of Consumer Protection, Office of the Nevada Attorney General at 555 E. Washington Street, Suite 3900, Las Vegas, Nevada 89101; Phone: (702)486-3132/Email: BCPINFO@ag.state.nv.us

FACTS	WHAT DOES Vectis 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 us 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 income · Account balances and payment history · Credit history and credit scores. If you are a new customer, we can begin sharing your information thirty (30) days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
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 Vectis Funding, LLC chooses to share, and whether you can limit this sharing.
Reasons we can share your personal information		Does Vectis Funding, LLC 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		Yes	No
For joint marketing with other financial companies		Yes	No
For our affiliates' everyday business purposes – information about your transactions and experiences		Yes	No
For our affiliates everyday business purposes – information about your creditworthiness		No	We don't share
For our affiliates to market to you		No	We don't share
For nonaffiliates to market to you		No	We don't share
Questions?	Phone Number: 469-759-9870

What we do
How does Vectis Funding, LLC 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. We also maintain physical, electronic and procedural safeguards i.e. computer virus protection software, firewalls, 128-bit Secure Socket Layer. Only authorized employees have access.
How does Vectis Funding, LLC collect my personal information?	We collect your personal information, for example, when you · Apply for a loan · Give us your income information · Provide employment information · Provide account information · Give us your contact information We also collect your personal information from other companies.
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.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account
Definitions
Affiliates	Financial and nonfinancial companies related by common ownership or control. · Our affiliates include, but are not limited to DSI Lending Resources, Inc., K2 Finance, Inc. and RCL Finance, Inc.
Nonaffiliates	Financial and nonfinancial companies not related by common ownership or control. · Vectis Funding, LLC does not share with nonaffiliates so they can market to you.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. · Our joint marketing partners include financial institutions, credit card companies, partners that promote our products, pre-paid debit card providers and other lending companies.

Other important information