This page explains how Minto Money (we, us, or our)—the d/b/a of Minto Financial—collects personal and financial information when you visit getmintomoney.com, apply for an installment loan, or manage an account. It works together with our Privacy Policy. If you have questions, contact Customer Care using the details on our contact page.
Information You Provide Directly
When you apply, create or use an account, or contact us, you may provide:
- Identifying information (name, date of birth, Social Security number, government ID details when requested)
- Contact information (mailing address, email, phone numbers)
- Employment and income information
- Banking information for an active checking account (routing and account numbers)
- Payment preferences and communications about scheduling
- Messages you send by email, phone, mail, or web forms
Provide accurate information. False or incomplete information may delay or prevent review of your application.
Information from Third-Party Sources
To verify identity, assess eligibility, and evaluate ability to repay, we may obtain information from specialty consumer reporting agencies, including Clarity and Factor Trust. Those sources may provide consumer report information related to identity, prior lending activity, and related risk indicators used in underwriting online installment loans.
We may also receive information from:
- Banks or payment processors involved in ACH or debit transactions you authorize
- Service providers that help with identity verification, fraud prevention, document delivery, or customer communications
- Public records or other sources permitted by applicable law
We do not report loan activity to the three major credit bureaus. Specialty reporting through Clarity and Factor Trust may still affect how other specialty lenders view your history. See our educational article on credit reporting.
Information Collected Automatically
When you use our website, we and our service providers may collect:
- Device and browser type, operating system, and general location derived from IP address
- Pages viewed, links clicked, referring URLs, and timestamps
- Cookie identifiers and similar technologies used for session management, security, analytics, and remembering preferences
This technical data helps us operate the site, detect abuse, and understand how visitors use our pages.
Purposes of Collection and Use
We collect and use information for purposes that include:
- Application processing — receiving and reviewing loan requests
- Identity verification — confirming you are who you claim to be
- Ability-to-repay and underwriting — assessing eligibility, loan amount, and terms subject to verification and approval
- Funding and servicing — disbursing funds when approved, scheduling payments, providing statements and notices
- Payment processing — ACH, debit card, and other payment methods you authorize
- Customer support — responding to questions, payoff requests, and account updates
- Fraud prevention and security — detecting and reducing unauthorized access or misuse
- Legal and regulatory compliance — meeting obligations under applicable law
- Operations and analytics — improving site performance and understanding traffic patterns
We do not sell your personal information as that term is commonly understood for selling lists to unrelated marketers. Sharing with service providers who process data for us is described in the Privacy Policy.
Cookies and Tracking Technologies
Cookies are small files stored on your device. We may use:
- Essential cookies needed for login sessions, security, and form submission
- Preference cookies that remember choices you make on the site
- Analytics cookies that help us understand aggregate traffic and page performance
You can control cookies through your browser settings. Blocking essential cookies may prevent parts of the application or account experience from working. Third-party analytics tools, if used, operate under their own policies in addition to ours.
We do not use cookie data alone to make credit decisions. Underwriting relies on application data and permitted consumer report information.
How Long We Keep Information
We retain application and account information for as long as needed to service your relationship, resolve disputes, and meet recordkeeping duties under applicable law. Retention periods vary by record type. When information is no longer required, we dispose of or de-identify it in a manner consistent with our security practices and applicable law.
Your Choices
Depending on applicable law and your relationship with us, you may:
- Update contact or banking information by contacting Customer Care
- Opt out of certain marketing communications (transactional account messages may still be sent)
- Adjust browser cookie settings
- Request information about electronic notices as described in E-Consent
Additional privacy choices are summarized in the Privacy Policy.
Security Overview
We use administrative, technical, and physical safeguards designed to protect personal and financial information against unauthorized access, use, or disclosure. No method of transmission or storage is completely secure. You can help by protecting passwords, using official getmintomoney.com pages only, and never sending Social Security or full account numbers through unsecured email or public forms.
Related Pages
- Privacy Policy — why we process data, sharing, and consumer choices
- E-Consent — electronic delivery and signing
- Terms of Use — website rules
Contact About Data Collection
Customer Care
Phone: (844) 446-8686
Email: [email protected]
Mail: PO Box 58882, Minto, AK 99758
Hours: Monday–Friday 7:00–19:00 CT; Saturday 8:00–16:30 CT.