Privacy Notice

Last Updated October 2024

Facts
WHAT DOES BlueChip Financial d/b/a Spotloan (“BlueChip”) DO WITH YOUR PERSONAL INFORMATION?
Why?

Financial companies choose how they share your personal information. Federal and tribal consumer protection laws give consumers the right to limit some but not all sharing. Federal and tribal consumer protection laws 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 with us. This information can include:

  • Social Security number and income
  • Payment history and employment information
  • 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 BlueChip chooses to share; and whether you can limit this sharing.

Reasons We Can Share Your Personal Information
Does BlueChip 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

Yes

For joint marketing with other financial companies

No

We don’t share

For our affiliates' everyday business purposes — information about your transactions and experiences

No

We don’t share

For our affiliates' everyday business purposes — information about your creditworthiness

No

We don't share

For non-affiliates to market to you

Yes

Yes

To limit our sharing
Call 888-681-6811 or
Visit us online: www.spotloan.com/opt-out or www.bluechipfinancial.com/opt-out

If you are a new customer, 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 888-681-6811 or go to spotloan.com or bluechipfinancial.com
Who we are

Who is providing this notice?

BlueChip Financial d/b/a Spotloan

What we do

How does BlueChip 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 does BlueChip collect my personal information?

We collect your personal information, for example, when you

  • Apply for a loan or give us your income information
  • Provide account information or give us your contact information
  • Tell us where to send the money
  • We also collect your personal information from others, such as credit bureaus 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 Other Important Information below.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions
Affiliates

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

  • BlueChip does not have affiliates
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 direct marketing companies and third parties necessary to complete a transaction or request
Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • BlueChip doesn't jointly market
Other Important Information
BlueChip is a tribally-owned entity organized under and governed by the laws of the Turtle Mountain Band of Chippewa Indians of North Dakota, a federally recognized Indian Tribe (the “Tribe”), and as a tribally owned entity the laws of your state do not apply to BlueChip.

Data obtained through the text messaging program will not be shared with any third parties for marketing purposes.

Want to download our privacy policy?

Download PDF

Spotloan is a brand owned by BlueChip Financial ("BlueChip"), a tribally-owned entity organized under and governed by the laws of the Turtle Mountain Band of Chippewa Indians of North Dakota, a federally recognized Indian tribe (the "Tribe"). BlueChip is located on, operates within, and originates and services loans from the Tribe’s reservation. Though Spotloans are available to residents of certain states, consumers should know that BlueChip’s lending license is issued by the Tribe's Lending Commission, and not by the states in which its consumers may reside. Although the visitation is electronic, consumers are coming on to the Tribe’s reservation and subject to the Tribe’s jurisdiction to obtain a Spotloan.

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