Privacy Policy and Data Use Practices

Privacy policy.

Effective Date: January 14, 2026

your name, address, e-mail address, Internet Protocol address, telephone number, date of birth, and other contact information;
your business name, address, tax id number, business inception date, business bank statements (and data about your banking transactions), telephone number and address;
financial information, such as your bank name and your bank account number, personal and business credit bureau reports, payment behavior, and other reports concerning your credit history and experience;
other financial or personal information about you, such as your percent ownership in the business, your liabilities, and your financial condition;
your social security number;
your identity through an acceptable form of government-issued identification;
we may collect data through a third party site inspection vendor, or social media sites or services.
information about any previous loan applications you may have previously applied for (directly or on your behalf), and any previous IOU Financial loan payment history;
such other information we may collect with your consent or as permitted or required by applicable law; and
personal information about you given to us by others and personal information about others provided by you;
background information of the personal guarantors of the business and/or business itself.

to process loan transactions;
to verify your identity in connection with our user registration process;
to manage and administer your account with IOU Financial;
to facilitate the transactional process between financial institutions
to compile and analyze information to better understand our customers
to determine your risk grade, interest expense rate, term and maximum loan amount;
to set up auto payment deductions as may be required by our loan agreements
to produce data analytics and reports containing summaries of data and general information that we may share with business partners.
to prevent fraud, identity theft or illegal activities;
to maintain our business records for reasonable periods and to generally manage and administer our business;
to resolve disputes and to enforce our loan agreements;
to compare information for accuracy and verify it with third parties; and
to meet legal, regulatory, insurance, audit, processing and security requirements imposed on us, which may include establishing and verifying your identity and checking your identity against money laundering, terrorist financing or similar watch lists established by regulatory agencies or similar bodies in the United States and/or Canada.

TransUnion (www.transunion.com)
- Phone: 1-800-680-7289
- E-mail: fvad@transunion.com
- Mail: TransUnion P.O. Box 6790 Fullerton, CA 92834
Equifax (www.equifax.com)
- Phone: 1-888-766-0008
- E-mail: fraudalerts@equifax.com
- Mail: Equifax Credit Information Services, Inc P.O. Box 740241 Atlanta, GA 30374
Experian (www.experian.com)
- Phone: 1-888-397-3742