This Privacy Policy describes how Minto Money (we, us, or our)—the d/b/a of Minto Financial—handles personal information about website visitors, applicants, and customers. It is intended to work alongside our Data Collection practices page and applicable federal privacy expectations for financial institutions, including the Gramm-Leach-Bliley Act (GLBA) framework.
This notice is informational website content. Your loan agreement and any notices delivered to you may contain additional terms. If required notices conflict with this page on a specific point, the required notice controls for that point.
Scope
This Policy covers information collected through getmintomoney.com, our application and account experiences, phone and email interactions, and service providers acting on our behalf. It does not cover unrelated third-party websites that may link to or from our site.
Why / What / How (GLBA-Style Summary)
| Why we process information | What we may process | How we collect or obtain it |
|---|---|---|
| Process loan applications and underwrite offers subject to verification and approval | Name, SSN, DOB, address, phone, email, income, employment, checking account details | Forms you complete; specialty consumer reports (including Clarity and Factor Trust) |
| Verify identity and reduce fraud | ID details, device/browser data, contact history | You; verification vendors; security logs |
| Fund and service loans; process payments | Account numbers, payment schedules, transaction history | You; banks/payment processors you authorize |
| Communicate about your application or account | Contact details and message content | You; our support systems |
| Meet legal and regulatory obligations | Records required under applicable law | Combined sources above |
| Operate and improve the website | IP address, pages viewed, cookie IDs | Automatic collection; analytics tools |
Categories of Personal Information
Depending on your relationship with us, we may process:
- Identifiers and government identifiers needed for credit applications
- Commercial and financial information related to income, banking, and loan performance
- Internet or network activity on our site
- Professional or employment-related information you provide
- Inferences used in underwriting where permitted by applicable law
Sensitive information such as Social Security numbers is collected only when needed for legitimate lending and compliance purposes and is subject to heightened safeguards.
How We Share Information
We may share personal information with:
- Service providers that help us verify identity, process payments, host systems, deliver documents, communicate with customers, or prevent fraud—under contracts that limit use to providing services to us
- Specialty consumer reporting agencies, including Clarity and Factor Trust, as needed for underwriting and related reporting practices we use
- Professional advisors such as auditors or counsel when reasonably necessary
- Authorities when required or permitted by applicable law, legal process, or to protect rights, safety, or property
- Successors in connection with a reorganization or similar transaction, subject to applicable law
We do not sell personal information to unrelated third parties for their independent marketing. We also do not share information with nonaffiliated third parties for those parties’ marketing under a GLBA “opt-out sharing” model beyond what applicable law and our notices allow. If a specific opt-out right applies to you, we will describe how to exercise it in the required notice or below.
Opt-Out and Consumer Choices
You may:
- Update account information by contacting Customer Care during published Central Time hours
- Limit certain marketing by following unsubscribe instructions in marketing emails or by asking Customer Care (account-servicing messages may continue)
- Manage cookies through your browser settings (see Cookies below)
- Ask about electronic notices and paper copies as described in E-Consent
If applicable law gives you additional rights (for example, to request access to certain information we hold about you), contact Customer Care. We will respond as required by applicable law after verifying your identity.
Cookies and Analytics
We use cookies and similar tools for essential site functions, security, preferences, and analytics. Analytics help us understand aggregate traffic; they are not used alone to approve or deny credit. You can block or delete cookies in your browser. Blocking essential cookies may affect login, application forms, or account features.
For more detail on automatic collection, see Data Collection.
Security Measures
We maintain administrative, technical, and physical safeguards designed to protect customer information, consistent with our obligations under applicable law for financial institutions. Measures may include access controls, encryption in transit where appropriate, employee training, and vendor oversight.
No system is perfectly secure. Protect your passwords, avoid public Wi-Fi for sensitive sessions when possible, and use only official getmintomoney.com pages. Never email your Social Security number or full account numbers. If you suspect unauthorized account activity, contact Customer Care immediately at (844) 446-8686.
Children’s Privacy
Our products and website are directed to adults who can lawfully enter credit contracts. We do not knowingly collect personal information from children under 13. If you believe a child provided information, contact us so we can take appropriate steps.
Changes to This Policy
We may update this Privacy Policy from time to time. The updated version will be posted on this page. Continued use of the site after posting means you acknowledge the update, except where applicable law requires a different process for certain changes.
Related Disclosures
- Data Collection — sources, purposes, cookies
- Terms of Use — website rules and SMS/TCPA terms
- E-Consent — electronic documents and signatures
- About — who we are and how to escalate concerns
Contact Us About Privacy
Customer Care
Phone: (844) 446-8686
Email: [email protected]
Mail: Minto Money, PO Box 58882, Minto, AK 99758
Hours: Monday–Friday 7:00–19:00 CT; Saturday 8:00–16:30 CT.