General Privacy Policy | How Avant, LLC collects, uses, and shares personal information

ONLINE PRIVACY NOTICERev. 12/2021

FACTS	WHAT DOES AVANT, LLC ("AVANT") 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 us to tell you how we 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 or access through us. This information can include: Social Security number and income Account balances and transaction history Credit history and assets
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 Avant choose to share; and whether you can limit this sharing.

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 us to tell you how we 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 or access through us. This information can include:

Social Security number and income
Account balances and transaction history
Credit history and assets

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 Avant choose to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Avant 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, or report to credit bureaus	Yes	No
For our marketing purposes— to offer our products and services to you	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates’ everyday business purposes—information about your transactions and experiences	Yes	No
For our affiliates’ everyday business purposes—information about your creditworthiness	Yes	Yes
For our affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	Yes	Yes

To limit our sharing	Call 800-712-5407 Please note If you are a new customer, for the reasons we can share your information and for which you can limit the sharing, we can begin sharing your information 30 days from the date we sent this notice. 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.

To limit our sharing

Call 800-712-5407

Please note

If you are a new customer, for the reasons we can share your information and for which you can limit the sharing, we can begin sharing your information 30 days from the date we sent this notice. 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?	Call 800 712-5407 or go to www.avant.com

What we do
How does Avant 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. We restrict access to your information to those employees who need to know it to provide products or services to you
How does Avant collect my personal information?	We collect your personal information, for example, when you apply for a loan use your credit or debit card tell us where to send the money provide employment information show your government-issued ID 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 nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

How does Avant 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.

We restrict access to your information to those employees who need to know it to provide products or services to you

How does Avant collect my personal information?

We collect your personal information, for example, when you

apply for a loan
use your credit or debit card
tell us where to send the money
provide employment information
show your government-issued ID

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 nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include financial companies such as Zero Financial, Inc., Avant of California LLC, Avant of Idaho, LLC, Avant of Wisconsin, LLC, Avant of Illinois, etc.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with may include financial service providers, non-financial companies, and other businesses
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include financial service providers, and other businesses

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Our affiliates include financial companies such as Zero Financial, Inc., Avant of California LLC, Avant of Idaho, LLC, Avant of Wisconsin, LLC, Avant of Illinois, etc.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Nonaffiliates we share with may include financial service providers, non-financial companies, and other businesses

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Our joint marketing partners include financial service providers, and other businesses

Other important information
Notice to California Residents. Under California law, we will not share information we collect about you with companies outside of Avant, unless the law allows. For example, we may share information with your consent or to service your account. We will limit sharing to the extent required by California law. Notice to Nevada Residents. We are providing you this notice pursuant to Nevada law. You may be placed on our internal Do Not Call List by calling 1–800-712-5407 or by writing to us at 222 W Merchandise Mart Plaza, Suite 900, Chicago, IL 60654. For more information, contact us at the address above, or email [email protected]. You may also contact the Nevada Attorney General's office: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; telephone number: 1–702–486–3132; email [email protected]. Notice to Texas Residents Avant of Texas, LLC is licensed and examined under the laws of the State of Texas and by state law is subject to regulatory oversight by the Office of Consumer Credit Commissioner. Any consumer wishing to file a complaint against Avant of Texas, LLC should contact the Office of Consumer Credit Commissioner through one of the means indicated below: In Person or U.S. Mail: 2601 North Lamar Boulevard, Austin, Texas 78705-4207. Telephone No.: (800) 538-1579. Fax No.: (512) 936-7610. E-mail: [email protected]. Website: www.occc.state.gov. Notice to Vermont Residents We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found at www.avant.com or call 800 712-5407.

Notice to California Residents.

Under California law, we will not share information we collect about you with companies outside of Avant, unless the law allows. For example, we may share information with your consent or to service your account. We will limit sharing to the extent required by California law.

Notice to Nevada Residents.

We are providing you this notice pursuant to Nevada law. You may be placed on our internal Do Not Call List by calling 1–800-712-5407 or by writing to us at 222 W Merchandise Mart Plaza, Suite 900, Chicago, IL 60654. For more information, contact us at the address above, or email [email protected]. You may also contact the Nevada Attorney General's office: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; telephone number: 1–702–486–3132; email [email protected].

Notice to Texas Residents

Avant of Texas, LLC is licensed and examined under the laws of the State of Texas and by state law is subject to regulatory oversight by the Office of Consumer Credit Commissioner. Any consumer wishing to file a complaint against Avant of Texas, LLC should contact the Office of Consumer Credit Commissioner through one of the means indicated below: In Person or U.S. Mail: 2601 North Lamar Boulevard, Austin, Texas 78705-4207. Telephone No.: (800) 538-1579. Fax No.: (512) 936-7610. E-mail: [email protected]. Website: www.occc.state.gov.

Notice to Vermont Residents

We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.
Additional information concerning our privacy policies can be found at www.avant.com or call 800 712-5407.

AVANT PRIVACY NOTICE

ONLINE PRIVACY NOTICERev. 12/2021