At Tan Oak Lending your privacy is important to us. This Privacy Policy describes the information we collect and how we use that information and applies if you have applied for service with Tan Oak Lending.

Protecting the Privacy of Customer Information

We are committed to protecting your privacy and to implementing technology that gives you the most powerful and secure online experience. We maintain physical, electronic, and procedural safeguards that comply with federal standards to transmit and store information about you. For instance, we use computer virus protection software, firewalls, and Secure Socket Layer (SSL) for data transmission to ensure that your information is secure. In addition, we are constantly evaluating new advances in security technology and techniques to provide the best possible protection for information about you.

Information We Collect About You

We collect "nonpublic personal information" about you from several sources:

  • Information you provide on your application
  • Transaction and experience information with us
  • Information from a consumer reporting agency
  • Information from your bank account
  • Non-personally identifiable information such as URL and TCP/IP information
How We Use the Information We Collect

The information we collect about you is primarily used to provide services to you and contact you regarding administrative notices. We may also use your information to resolve disputes, troubleshoot problems, and enforce our agreements with you, including our Terms and Conditions, Application Agreement, Loan Agreement, and this Privacy Policy. Although we may disclose information we collect and retain, its use will be limited to what we reasonably believe is appropriate and necessary to carry on our business and to provide the quality of service you expect and deserve.

Collection and Use of Bank Account Information

If we extend credit to a consumer, we will consider the bank account information provided by the consumer as eligible for us to process payments against. In addition, as part of our information collection process, we may detect additional bank accounts under the ownership of the consumer. We will consider these additional accounts to be part of the application process to help determine whether a consumer is eligible for credit.

Parties to Whom We Disclose

We do not sell, trade, or rent your information to others without your express consent, except as set forth below or otherwise allowed by law. We only provide these parties the information they need to provide services, and they are prohibited from using the information for any other purpose.

Information we share with Affiliates:

Some of our services are provided using our affiliates, and we share nonpublic personal information with them.

Information we share with Third Parties:

We use certain non-affiliated third parties as service providers, and we share nonpublic personal information with them.

Information we share with Third Parties:

We may disclose information we collect to financial institutions with whom we have a marketing and servicing agreement such as banks, credit reporting agencies, and our affiliates.

Choices Regarding Collection, Use, and Distribution

We may send you email regarding our service from time to time. If you do not wish to receive marketing emails, email customerservice@tanoaklending.com to "opt-out". We may send out periodic emails related to an active service you requested. You will not be able to choose to unsubscribe from these mailings as they are considered an essential part of the service you have chosen.

Accuracy of Your Account Information

We have established procedures to ensure that your financial information is accurate, current and complete, in keeping with reasonable industry standards. We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any information we determine to be inaccurate.

Changes to This Policy

Since circumstances and technologies change, we reserve the right to change or remove portions of our Privacy Policy at any time without prior notification.

Additional Security Precautions

You also have a significant role in protecting your information. No one can see or edit your personal information without knowing your email address and password; do not share these with others. If you use this site you are responsible for maintaining the confidentiality of your account, password, and restricting access to your computer. You agree to accept responsibility for all activities that occur under your account and password.

"Cookie" Policy

To ensure we are publishing content customers need and want, tanoaklending.com collects aggregated site-visitation statistics using cookies. We do not track individuals' use of the site. When someone visits the site, a cookie is placed on the customer's machine (if the customer accepts cookies). If you choose to not have your browser accept cookies from the tanoaklending.com Web site, you will not be able to subscribe to the service offerings on the site.

Who Do You Contact With Questions?

If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us by sending a letter to:

Tan Oak Lending
Attn: Privacy Compliance Officer
621 Medicine Way
Suite 9
Ukiah, CA 95482

Phone (877) 765-7548