Wellingham Financial collects two types of information to create the best customer experience: (1) Personal information that users like you submit to Wellingham Financial via our website, and (2) Website usage information that is automatically generated by users as they interact with the site or information that we access via application programming interfaces.
Wellingham Financial uses personal information as required by state and federal regulators to assure we are promoting safe and responsible financing.
When you first apply via the Wellingham Financial website, we ask you to create an account and then ask you to supply certain personal information. We use this information:
- to determine your eligibility under the law and whether you can afford it
- to maintain your account
- to communicate with you about your account
- to securely process the funding and repayment transactions to which you and we might agree
The types of personal information we collect for these purposes can include:
- basic profile information such as your name, address, phone number, email address, preferences, and other similar information
- identifying information such as social security number, date of birth, or other information
- information such as employment, income or similar information
- transactional information such as including bank account numbers, routing numbers, debit card numbers or similar information
COLLECTION AND USE OF BANK ACCOUNT INFORMATION: As part of our application process, we require banking information. In processing your application, we may detect additional bank accounts under your ownership. We will consider these additional accounts to be part of the application process. By applying, you authorize us to search for and evaluate bank accounts under your ownership for this purpose.
Wellingham Financial may also obtain more information about applicants from third parties to help us validate this information. We also collect tokens from online services and payment systems.
After you become a Wellingham Financial customer, we use your information for transaction processing and to communicate with you.
Wellingham Financial uses "website usage" information to help create a better user experience.
Wellingham Financial collects certain information from users' browsers using small text files called "cookies." Wellingham Financial uses session ID cookies to confirm that users are logged in. This type of cookie helps Wellingham Financial recognize a user if he or she visits multiple pages on our site during the same session, so that we do not need to require a password to access each page. Please note: If you do not accept cookies from Wellingham Financial, you will not be able to use our site.
We also use a persistent cookie that stores your login ID (but not your password) to make it easier for you to login when you come back to Wellingham Financial on future visits. We encode our cookies so that only we can interpret the information stored in them, but they do not contain personally identifiable information. Users can remove or block the persistent cookie using the settings in your browser if you want to disable the feature.
Wellingham Financial also stores transaction history and user relationships/interactions. We collect this information so that we can provide users with a meaningful service.
Wellingham Financial may collect additional information in other ways not specifically described here. For example, we may collect information related to interactions with customer services, collections, surveys or other feedback tools from third parties using technologies such as application programming interfaces (APIs).
Wellingham Financial's primary purpose in collecting personal information during website usage is to provide users with a safe, smooth, efficient, and customized experience and allow them to take full advantage of our products and services.
Wellingham Financial uses this information to provide services and support; process transactions and send notifications regarding general operation of the service, such as messages or reminders, resolve disputes, collect fees, and troubleshoot problems; prevent potentially prohibited or illegal activities, and enforce our user agreement; customize, measure, and improve our services and the content and layout of our website; compare information for accuracy and verify it with third parties.
Wellingham Financial Protects Your Information With The Latest Internet Technology.
Wellingham Financial collects and stores certain information in order to provide the best solutions for our customers, today and tomorrow. We strive to go beyond industry standards to make sure your information is safe and secure, and we restrict access to protect you against fraud.
When you enter personally identifiable information on our registration page we use a 256-bit secure socket layer (SSL).
Wellingham Financial uses computer safeguards such as firewalls and data encryption, and authorizes access to personal information only for those employees who require it to fulfill their job responsibilities. Our data is encrypted before, during and after it is submitted to have the best protection of your information. Only authorized employees can access the data and they must submit multiple forms of identity verification before accessing any information.
Wellingham Financial does not store payment or related personal data at our offices.
Instead of storing payment information on company systems, Wellingham Financial uses PCI compliant methods to encrypt and transfer payment information to PCI compliant vendors and partners.
Wellingham Financial encrypts and securely transmits user payment information to the banking network at the time of initial payment acceptance.
Wellingham Financial does not share a user's personal or financial information with other customers or users. It is your responsibility to protect your account access codes, including your username and password, so others can’t access your account.
Wellingham Financial takes your privacy seriously and does not sell your data to third parties.
Wellingham Financial may share personal information with partners under contract who help with certain parts of our business operations including application evaluation, customer services, payment, fraud prevention, secure data storage, collections and other similar services.
Wellingham Financial will only use personal information in connection with the services Wellingham Financial provides. Wellingham Financial may share personal information in the event of a merger or acquisition. Should such an event occur, Wellingham Financial will seek to require that the new combined entity follow our privacy policy with respect to personal information you have provided.
Wellingham Financial may be compelled to share personal information with law enforcement, government officials, or other third parties in the event of a subpoena, court order or similar legal procedure, or when Wellingham Financial believes in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our user agreement.
Wellingham Financial will not sell or rent any of your personal information to third parties in the normal course of doing business and only shares your personal information with third parties as described in this policy, unless we implement a policy change and inform you of such change.
Wellingham Financial allows you to manage your account and information on the website. Once you log in you may update your personal information, assuming your account is in good standing. In that case, we will retain only the personal information required by law or that we deem necessary.