Privacy Policy

Big Valley Financial is providing you the following information in a manner consistent with principles under United States Federal Law.

COLLECTION AND USE OF BANK ACCOUNT INFORMATION:

If we extend credit to a consumer, we will consider the bank account information provided by the consumer as eligible for us to process payments against. In addition, as part of our information collection process, we may detect additional bank accounts under the ownership of the consumer. We will consider these additional accounts to be part of the application process.

FACTS

WHAT DOES BIG VALLEY FINANCIAL 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 lenders to tell you how they 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
  • Account balances and payment history
  • 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 Big Valley Financial chooses to share; and whether you can limit this sharing. 

Reasons we can share your personal information

Does Big Valley Financial 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

No

WE DO NOT SHARE

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

No

WE DO NOT SHARE

For our affiliates to market to you

No

WE DO NOT SHARE

For non-affiliates to market to you

Yes

Yes

To limit our sharing

  • Call (888) 248-5664
  • Visit us online at: www.bigvalleyfinancial.com
  • Contact us via e-mail: clientcare@bigvalleyfinancial.com

Please note:

If you are a new customer, we can begin sharing your information as soon as the same day that you apply for a loan.  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) 248-5664 or go to www.bigvalleyfinancial.com


What We Do

 

How does Big Valley Financial 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 also maintain physical, electronic, and procedural safeguards (e.g. computer virus protection software, firewalls, 128 bit Secure Socket Layer).  Only authorized employees have access. 

How does Big Valley Financial collect my personal information? 

We collect your personal information, for example, when you: 

  • Apply for a loan
  • Give us your income information
  • Provide employment information
  • Provide account information
  • Give us your contact information

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 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. 

Definitions

Affiliates 

Financial and nonfinancial companies related by common ownership or control.  

  • Big Valley Financial has no affiliates.

Non-Affiliates 

Financial and nonfinancial companies not related by common ownership or control. 

  • Non-affiliates we share with can include direct marketing companies for application resell, direct mail, and other purposes. 

Joint Marketing 

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

  • Our joint marketing partners include financial institutions, credit card companies, partners that promote our products, pre-paid debit card providers, and other lending companies. 


Big Valley Financial Big Valley Financial is a Tribal enterprise, wholly owned and operated by the Big Valley Band of Pomo Indians, a federally-recognized American Indian tribe and sovereign government. Any Agreement entered into as a result of this Application shall be governed by applicable Tribal and federal law. This web site's contents do not signify a solicitation or offer for check advances in all states. Areas of operation may change with or without notice. Services mentioned on this site may or may not be available in your particular state. Each aspect of, communication, and transaction, with/on this site will be deemed to have occurred in Big Valley Financial's Big Valley Band of Pomo Indian Reservation offices, regardless of the location where you are accessing or viewing this site. All content, existing and/or submitted to and in association with this site will be considered Big Valley Financial's copyrighted property. All communications with the company are deemed confidential. Any unauthorized reproduction, distribution, or disclosure is prohibited without the company's express written consent.