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Privacy Policy

Privacy Policy

This Privacy Policy is provided by Nice Loans Installment LLC (“Nice Loans Installment”, “we”, or “us”) and describes the collection, use, sharing, storage, and protection of your non-personal and personal information by Nice Loans Installment. Please read this policy carefully to understand what we do with your non-personal and personal information and how you can limit some sharing of such information.

This Privacy Policy describes the collection, use, sharing, storage, and protection of your nonpersonal and personal information by Nice Loans Installment. Please read this policy carefully to understand what Nice Loans Installment does with your non-personal and personal information and how you can limit some sharing of such information. If you would like to download a separate attachment of our policy, please click HERE. Whenever you visit https://www.niceloans.com you accept the practices described in this Privacy Policy.

What information does Nice Loans Installment collect?
Nice Loans Installment may collect your non-personal and personal information anytime you interact with Nice Loans Installment, such as when you visit the Site, purchase any of  Nice Loans Installment’s products or services online, fill out Nice Loans Installment’s application form, otherwise contact Nice Loans Installment, or when Nice Loans Installment contacts you. Nice Loans Installment may also collect your personal information from third parties, such as employers and consumer reporting agencies.

Non-personal information – this refers to information that does not by itself identify you as a specific individual.

For example, non-personal information may include (without limitation):
  • The Uniform Resource Locator (“URL”) of the last website visited by a user before visiting https://www.niceloans.com.
  • Which URL a user goes to after visiting https://www. niceloans.com.
  • What browser a user is using.
  • A user’s Internet Protocol (“IP”) address..
  • A user’s device type, browser type, screen resolution and operating system.
  • Cookies –pieces of information which a web server may place on a user’s computer or other device when a user visits a website to facilitate the user’s Internet session, to maintain security and to improve the user’s experience.
Personal information –this refers to information that can be associated with you and could be used to identify you.

For example, personal information may include (without limitation):
  • Mailing address, email address, and phone number
  • Social security number
  • Income
  • Account balances
  • Credit card information
  • Transaction and financial information
  • Payment history
  • Employment information
  • Creditworthiness and credit history information
  • Bank account information
How does Nice Loans Installment use your information?
Nice Loans Installment may use your non-personal and personal information for the following purposes from time to time:
  • To provide you with access to our site, services, and products.
  • To enhance the operation of the Site, service and process your transaction(s), improve Nice Loans Installment’s marketing and promotional efforts, statistically analyze Site use, improve Nice Loans Installment’s service and product offerings, and customize the Site’s content, layout, and services..
  • To detect and prevent fraud and for account authentication purposes.
  • To deliver information to you and contact you regarding administrative notices.
  • To resolve disputes, troubleshoot problems and enforce our agreements with you, including without limitation, our Terms of Use, Accessibility Policy, and this Privacy Policy.
  • To market our services and products to you.
  • Any other purpose that is permitted by law.
Does Nice Loans Installment share your information?
  • Nice Loans Installment may share your non-personal and personal information described above from time to time with Nice Loans Installment’s affiliates (as defined below) and non-affiliates (as defined below) as permitted by law, such as (without limitation) for Nice Loans Installment’s business and marketing purposes, servicing and processing your transaction(s), sending you informational, marketing, and promotional content, maintaining and servicing your account(s), reporting to credit bureaus, and responding to court orders and legal investigations.
  • Nice Loans Installment may share your non-personal and personal information described above from time to time with non-affiliates pursuant to a Joint Marketing Agreement (as defined below).
  • Nice Loans Installment may share your non-personal and personal information described above from time to time with Nice Loans Installment’s affiliates for everyday business purposes and marketing purposes.
  • Nice Loans Installment may share your non-personal and personal information described above from time to time with non-affiliates so that they can market services and products to you.
  • Nice Loans Installment may share your non-personal information described above from time to time with non-affiliates so that they can enable  Nice Loans Installment to verify your identity by registering and remembering devices associated with your account for purposes of fraud detection and prevention.
How can you share information about your http://www.niceloans.com experience on social media sites?
Nice Loans Installment may offer services that allow you to share information with third party social media sites such as Facebook, Twitter, Pinterest, and others. Please note that if you share information with these third party social media sites, different rules may  apply to their use and/or sharing of the information you provide them.

How can you limit sharing of your personal information?
You can limit sharing of your personal information for the following purposes:
  1. Sharing for  Nice Loans Installment’s affiliates to market services and/or products to you;
  2. Sharing for non-affiliates to market services and/or products to you; and
  3. Sharing information about your creditworthiness with Nice Loans Installment’s affiliates’ for everyday business purposes.
If you wish to limit sharing of your personal information for any or all of the three above-described purposes, please contact us:
  • By calling 833.308.6423 – our menu will prompt you through your choice(s); or
  • By writing a letter to:  Nice Loans Installment, 2400 East Devon Avenue, Suite 300, Des Plaines, Illinois 60018.
When does Nice Loans Installment begin sharing your personal information?
  • Except as otherwise described in the next sentence, Nice Loans Installment may begin sharing your information immediately. If you are a new customer, Nice Loans Installment may, thirty days after this Privacy Policy is accepted, begin sharing (a) your personal information with Nice Loans Installment’s affiliates and non-affiliates to market services and/or products to you, and (b) information about your creditworthiness with  Nice Loans Installment’s affiliates and non-affiliates. If you are an existing or former customer,  Nice Loans Installment can continue to share your information as described in this Privacy Policy. Please note that regardless of whether you are a new, existing, or former customer, at any time you can limit Nice Loans Installment’s sharing of your information by following the instructions set forth above in the section entitled “How can you limit sharing of your personal information?”
How does Nice Loans Installment safeguard your personal information?
  • Nice Loans Installment understands the importance of protecting your personal information.  Nice Loans Installment maintains physical, electronic and procedural safeguards that comply with applicable law to protect your personal information.
How can you limit the collection and use of some of your non-personal information?
  • You have the ability to control how some of your non-personal information is collected and used online by controlling whether to accept cookies. If you prefer not to accept cookies, you can change your browser settings to disable cookies, but if you do so, please note that you will not be able to apply for a loan on the Site or access or use your online account. If you prefer not to receive personalized ads from third party advertisers, you can opt-out of some network advertising programs by visiting http://www.networkadvertising.org/choices
Will this Privacy Policy change?
  • Please note that  Nice Loans Installment reviews its privacy practices from time to time, and that such practices are subject to change.  Nice Loans Installment reserves the right to change this Privacy Policy at any time by posting revised versions of this Privacy Policy on the Site.
  • Your use of the Site constitutes your acknowledgement of and to agreement to the Privacy Policy that is posted on the Site at that time of such use.
Is this Privacy Policy subject to www.niceloans.com’s Terms of Use?
  • Yes, if you choose to visit https://www.niceloans.com, your visit and any dispute over privacy is subject to this Privacy  Policy and our Terms of Use.
Definitions:
  • Affiliates – companies related by common ownership or control. They can be financial or nonfinancial companies. 
  • Non-Affiliates – companies not related by common ownership or control. They can be financial or nonfinancial companies.  Non-Affiliates can include (without limitation) companies engaged in direct marketing and selling of consumer products and services.
  • Joint Marketing Agreement – a formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Effective Date: January 15, 2020.