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Privacy Disclosure

(Effective March, 2019)
FACTS
WHAT DO JORA CREDIT AFFILIATED COMPANIES 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 lenders to tell you how they 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 Jora and Echo Credit chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Do Jora and Echo Credit 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, prevent or mitigate fraud, engage in corporate transactions, or report to credit bureaus
Do Jora and Echo Credit share?
Yes
Can you limit this sharing?
No
For our marketing purposes — to offer our products and services to you
Do Jora and Echo Credit share?
Yes
Can you limit this sharing?
No
For joint marketing with other financial companies
Do Jora and Echo Credit share?
Yes
Can you limit this sharing?
No
For our affiliates' everyday business purposes — information about your transactions and experiences
Do Jora and Echo Credit share?
Yes
Can you limit this sharing?
No
For our affiliates' everyday business purposes — information about your creditworthiness
Do Jora and Echo Credit share?
Yes
Can you limit this sharing?
Yes
For our affiliates to market to you
Do Jora and Echo Credit share?
Yes
Can you limit this sharing?
Yes
For non-affiliates to market to you
Do Jora and Echo Credit share?
Yes
Can you limit this sharing?
Yes
To limit our sharing

Please note:
If you are a new customer, we can begin sharing your information as soon as the same day that you apply for a loan. 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?

For Jora call 1-888-256-60831-888-256-6083 or go to JoraCredit.com; For Echo Credit call 1-877-606-13401-877-606-1340

Who are we
Who is providing this notice?
Jora Credit Holdings, LLC Companies that use "Jora" or "Echo Credit" in their name.
What we do
How do Jora and Echo Credit 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 do Jora and Echo Credit 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 non-affiliates to market to you
  • State laws may give you additional rights to limit sharing. See below for more on your rights under state law
Definitions
Affiliates

Financial and nonfinancial companies related by common ownership or control.

  • Our affiliates include financial companies with the Jora Credit, Echo Credit, or Cortex names, all under common ownership of TF Holdings, Inc.
Non-affiliates

Financial and nonfinancial companies not related by common ownership or control.

  • Non-affiliates we share with can include companies engaged in the selling of consumer products and services, non-profit organizations, direct mail and other purposes.
Joint Marketing

A formal agreement between non-affiliated 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

Additional Notices for Loan Accounts:
California Residents: We will automatically treat your account as if you are limiting the sharing with non-affiliates.

North Dakota Residents: We will automatically treat your account as if you are limiting the sharing with non-affiliates.

As part of our credit underwriting and information collection process, we will consider bank account information provided by you and we may detect additional bank accounts under your ownership. We also may collect and consider information about you from non-credit reporting agency data providers, including, for example, information about your location and the location of your mobile devices, and publicly available information about you.

Updating your information: If you need to update the personal information you have given us, log in to your account at JoraCredit.com and click on "Preferences" in the menu or call 1-888-256-60831-888-256-6083 to speak to an account representative. For Echo Credit updates, log in to your account at EchoCredit.com and click on “Preferences” in the menu or call 1-877-606-13401-877-606-1340.

"Do not track": When someone visits the Jora or Echo Credit website, a cookie is placed on the visitor's computer (if the visitor accepts cookies). The cookie we place on your computer does not contain any of your personally identifiable information. Jora and Echo Credit advertise its products and services on websites that you may visit, and both Jora and Echo Credit use service providers to place such advertisements. Those service providers (such as Google, Microsoft or Yahoo) may use cookies placed on your computer to show you advertisements for Jora and Echo Credit services on other websites. You can opt out from service providers' and/or marketers' use of cookies in this manner by visiting each service provider's advertising opt-out page or by utilizing "do not track" functionality in your web browser. If you choose to not have your browser accept cookies from the Jora and/or Echo Credit website, you will not be able to subscribe to the service offerings on these websites.

Changes to this privacy disclosure: If we make material changes to this privacy disclosure, we will notify you via email and post the updated privacy disclosure on the Jora and Echo Credit websites. Please take note of the "Effective Date" at the top of this privacy disclosure.

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