Privacy Policy - Northern Star Lending

Reasons we can share your personal information	Does Northern Star Lending 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	We Do Not Share
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 non-affiliates to market to you	Yes	Yes

Reasons we can share your personal information

Does Northern Star Lending 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

For our marketing purposes - to offer our products and services to you

Yes

For joint marketing with other financial companies

Yes

We Do Not Share

For our affiliates’ everyday business purposes - information about your transactions and experiences

Yes

For our affiliates’ everyday business purposes - information about your creditworthiness

Yes

For our affiliates to market to you

Yes

For non-affiliates to market to you

Yes

Customer Support
support@northernstarlending.com
PO Box 818 Keshena, WI 54135
Toll Free: 877-335-5990
Tribal Dispute: 800-635-1153
Fax: 920-659-5497

Northern Star Lending
Supports efforts to combat fraud in the lending industry. If you believe you have been a victim of fraud, please contact your local law enforcement authority and the Online Lenders Alliance Consumer Hotline at 866-299-7585.

We verify applicant and credit information through national databases including, but not limited to, Clarity, Factor Trust, and Microbilt.

Loan Applications approved and processed by 12:30 pm CST of any business day will be funded the same day; Loan Applications approved and processed after 12:30 pm CST will be funded by the next business day. Unavoidable delays that occur as a result of bank holidays, the processing schedule of your particular bank, inadvertent processing errors, “acts of God,” and/or “acts of terror” may extend the time for the deposit and may cause a change in the Disbursement Date as disclosed herein.

Northern Star Lending is a commercial enterprise and instrumentality of the Menominee Indian Tribe of Wisconsin, a federally recognized sovereign Indian nation (the “Tribe”) that adheres to federal consumer finance laws and operates within the boundaries of the Tribes’ reservation. Northern Star Lending operates pursuant to the law of the Tribe. Loans from Northern Star Lending are governed by federal law and the law of the Tribe, not the law of the state where you reside. Nothing in this communication should be construed as a waiver of sovereign immunity, which is expressly reserved.

Please note: This is an expensive form of borrowing. Northern Star Lending installment loans are designed to assist you in meeting your short-term borrowing needs and are not intended to be a long-term financial solution. Examples of emergency reasons why these loans might be used include unexpected emergencies, car repair bills, medical care, or essential travel expenses. The Annual Percentage Rate (“APR”) as applied to your loan will range from 630%-780% depending on your payment schedule, pay frequency, loan term, and the amount of your loan. Failure to repay your loan obligations when due may result in additional fees and collection activities as described in your loan agreement and as allowed by applicable Tribal and federal law. Credit products obtained through this website are not available to residents of all states and state availability may change from time to time without notice. Currently, residents of Arkansas, Connecticut, District of Columbia, Georgia, Illinois, Maine, Maryland, Massachusetts, Minnesota, New Mexico, New Jersey, New York, North Carolina, Pennsylvania, South Carolina, Vermont, Virginia, West Virginia and Wisconsin are not eligible to receive a loan from Northern Star Lending.

Why?	Financial companies choose how they share your personal information. Consumers have the right to limit some but not all sharing. This notice tells 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 with us. This information can include: Social Security number and checking account information Payment history and income Employment information
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 reason Northern Star Lending LLC chooses to share; and whether you can limit this sharing.

How does Northern Star Lending LLC protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures. These measures include computer safeguards and secured files and buildings.
How does Northern Star Lending LLC collect my personal information?	We collect your personal information, for example, when you: Apply for a loan Give us your income information Tell us where to send the money Provide account information Provide employment information We also collect your personal information from others, such as credit bureaus, affiliates or other companies.
Why can't I limit all sharing?	You have 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
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.

Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. Our affiliates include other business entities of the Tribe.
Non-Affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. Non-Affiliates we share with can include service providers and data processors.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Northern Star Lending LLC does not jointly market.