Privacy Policy

1. Scope and who we are

This Privacy Policy explains how Atlas Credit Company, Inc. and its affiliated consumer-lending companies (collectively, “Atlas Credit,” “Atlas,” “we,” “us,” or “our”) collect, use, disclose, retain, and protect personal information when you visit atlascredit.com, submit an application, use a customer portal or payment page, communicate with us, or use another digital service that links to this policy.

The Atlas lender responsible for a particular application, loan, or account is the legal entity identified in the application, loan agreement, account statement, or other transaction record. References to “Atlas Credit” or “Atlas Credit Company” include the applicable legal entity and any properly registered trade name it uses. Products are offered only where the applicable entity is licensed or otherwise authorized and the product is available.

This policy does not change any loan agreement, electronic-consent agreement, payment authorization, communications consent, or other contract. If this policy conflicts with a more specific notice or agreement governing a transaction, the more specific document controls for that transaction.

2. Atlas entities covered by this policy

This policy is intended to cover the following Atlas lending entities. Listing an entity does not mean that the entity is currently licensed, accepting applications, or offering a particular product in every location.

Operational note: The exact lender name on your loan documents controls.

3. Personal information we collect

The information we collect depends on how you interact with us and the product or service involved. It may include:

• Identifiers and contact information, such as name, postal address, email address, telephone number, date of birth, Social Security number, driver's license or other government-identification information, and online account credentials.
• Application, underwriting, and eligibility information, such as income, employment, residence, household obligations, references, requested loan amount, loan purpose, prior repayment history, military-lending status, identity-verification results, and information used to evaluate creditworthiness, fraud risk, and ability to repay.
• Financial and payment information, such as bank-account information, payment-card information, payment authorizations, payment history, deposits, returned payments, and information needed to initiate or reconcile a payment or disbursement.
• Account and transaction information, such as loan balances, payment status, payoff information, servicing history, correspondence, collection history, complaints, and records relating to account changes or accommodations.
• Consumer-report and verification information obtained from consumer reporting agencies or other permitted sources, such as credit history, credit attributes, inquiries, fraud indicators, identity information, and income or employment verification.
• Communications and customer-service information, such as emails, text messages, chat messages, documents you upload, complaint records, and call recordings or notes where notice and recording are permitted by law.
• Device and online activity information, such as IP address, device and browser type, operating system, referring page, pages viewed, clicks, timestamps, cookie or similar identifiers, and approximate location derived from an IP address.
• Employment-application information if you apply to work with Atlas, such as a resume, work history, education, references, and information used for recruiting or lawful background review.
• Other information you choose to provide or that we are permitted or required to collect by law.

4. Sources of personal information

We may collect personal information:

• Directly from you, including through applications, forms, websites, customer portals, payment pages, telephone calls, emails, text messages, documents, and in-person interactions.
• From Atlas affiliates and shared-service personnel.
• From consumer reporting agencies, employers, income-verification sources, references, financial institutions, and other persons you authorize or identify.
• From identity-verification, fraud-prevention, sanctions-screening, military-lending, data, communications, hosting, payment, and other service providers.
• From public records, government sources, and other sources permitted by law.
• Automatically through cookies, pixels, tags, log files, and similar technologies when you use our digital services.

5. How we use personal information

We may use personal information to:

• Operate, maintain, secure, troubleshoot, personalize, and improve our website, applications, portals, payment pages, products, and services.
• Receive and process applications; verify identity and application information; prevent fraud; evaluate eligibility and ability to repay; make credit decisions; deliver disclosures; fund loans; and administer customer relationships.
• Service and collect accounts; receive and post payments; issue permitted credits or deposits; calculate balances, refunds, and payoff amounts; provide statements, receipts, notices, reminders, and support; and investigate and resolve complaints and disputes.
• Communicate about an application, account, transaction, security issue, legal notice, product update, survey, or Atlas product or service, subject to applicable consent and opt-out requirements.
• Obtain or furnish information to consumer reporting agencies and respond to disputes, identity-theft reports, or fraud concerns.
• Conduct analytics, measure digital-service performance, understand how users interact with our services, improve consumer experience, and evaluate advertising or outreach effectiveness.
• Comply with licensing, recordkeeping, examination, reporting, anti-fraud, sanctions, military-lending, fair-lending, privacy, consumer-protection, tax, legal-process, and other legal or regulatory obligations.
• Protect Atlas, consumers, employees, and others; enforce agreements; establish, exercise, or defend legal rights; and support business continuity and information security.
• Evaluate employment candidates and administer recruiting activities.
• Carry out another purpose disclosed when the information is collected or with your direction or consent.

6. How we disclose personal information

Subject to applicable law, contractual restrictions, and the Consumer Privacy Notice, we may disclose personal information:

• Within the Atlas group for underwriting, servicing, collections, customer support, compliance, accounting, information security, fraud prevention, internal administration, and marketing of Atlas products where permitted.
• To service providers and vendors that perform services for Atlas, such as hosting, cybersecurity, document generation, electronic signatures, communications, analytics, payment processing, identity and income verification, credit reporting, fraud prevention, records management, professional services, and customer support.
• To consumer reporting agencies and other parties as authorized by the Fair Credit Reporting Act and other applicable law.
• To depository institutions, payment networks, and processors to fund loans, receive payments, issue credits, investigate errors, and prevent fraud.
• To regulators, examiners, law enforcement, courts, government agencies, auditors, attorneys, accountants, or other parties when required or permitted by law, legal process, examination, investigation, or to protect rights and safety.
• In connection with a proposed or completed merger, acquisition, financing, asset transfer, reorganization, or similar business transaction, subject to appropriate confidentiality and legal protections.
• At your direction or with your consent.
• To nonaffiliated companies so they may market their products or services, when permitted by law and subject to the opt-out right described in the Consumer Privacy Notice.

Atlas does not sell or rent customer lists for monetary consideration. We do not disclose account numbers or similar access information for use in telemarketing, direct-mail marketing, or email marketing except as permitted by law. Some analytics or advertising technologies may allow other parties to receive online identifiers or activity information; where applicable law treats that activity as a “sale,” “sharing,” or targeted advertising, we will provide any notice and choice required by law.

7. Cookies and similar technologies

We and our service providers may use cookies, pixels, tags, local storage, software-development kits, and similar technologies to keep digital services functioning, maintain sessions, remember preferences, protect against fraud, measure performance, understand website use, and evaluate outreach or advertising. Some technologies are necessary for the site to work; others support analytics or advertising.

You may manage cookies through your browser settings and through any cookie-choice tool we make available. Blocking cookies may affect site functionality. Because there is no uniform industry standard for browser “Do Not Track” signals, our website may not respond to those signals. Where applicable law requires recognition of a legally valid opt-out preference signal, Atlas will process that signal for information and activities subject to that law.

8. Financial privacy choices and marketing communications

Financial privacy opt-out

The Consumer Privacy Notice explains the federal right to limit certain sharing with affiliates and nonaffiliates. You may exercise the choices stated in that notice by calling 903-593-6195 or mailing the opt-out form to Atlas Credit Company, Inc., Attn: Privacy Opt-Out, 410 W. Erwin St., Tyler, TX 75702.

Email and text marketing

You may use the unsubscribe link in a marketing email or follow the opt-out instructions in a promotional text message. You may also contact us using the information below. Marketing opt-outs do not stop application, account, servicing, payment, security, legal, or other nonpromotional communications.

Telephone communications

Consent to receive marketing calls or texts is not a condition of obtaining credit unless applicable law expressly permits otherwise. Any consent governing automated calls, prerecorded messages, or texts is addressed in the applicable communications consent and may be revoked as described there or by law.

9. Consumer reports and credit-report disputes

Atlas may obtain consumer reports and may furnish account information to consumer reporting agencies as permitted by law. A request under this website policy does not replace the procedures for disputing information in a credit report, correcting an Atlas account record, reporting identity theft, or exercising rights under the Fair Credit Reporting Act. Use the contact information in your adverse-action notice, credit-report disclosure, account notice, or loan agreement for those matters.

10. State privacy rights

Depending on where you reside and subject to exemptions, verification requirements, and other legal limitations, you may have rights to request access to or a copy of personal information, correction, deletion, data portability, information about disclosures, or an appeal of a denied request; or to opt out of certain sales, sharing, targeted advertising, or profiling. Financial institutions and information governed by federal financial privacy laws may be exempt from some state privacy-law requirements.

To submit a privacy request, email info@atlascredit.com with the subject line “Privacy Request,” call 903-593-6195, or mail your request to Atlas Credit Company, Inc., Attn: Privacy Request, 410 W. Erwin St., Tyler, TX 75702. Describe the request and the state in which you reside. Do not email a full Social Security number, bank-account number, payment-card number, or loan-account number. We may need to verify your identity and authority before acting. We will not unlawfully discriminate against you for exercising an applicable privacy right.

An authorized agent may submit a request where permitted by law, but Atlas may require proof of the agent's authority and may verify the consumer directly. If an applicable law provides a right to appeal, submit the appeal using the same contact method and label it “Privacy Appeal.”

11. Security

Atlas maintains an information-security program with administrative, technical, and physical safeguards designed to protect customer information. Measures may include role-based access controls, authentication, encryption, monitoring, employee training, incident-response processes, secured facilities and records, vendor oversight, and disposal controls. No method of transmission, storage, or security is guaranteed to prevent every incident.

12. Data retention

We retain personal information for as long as reasonably necessary to evaluate or administer an application, service or collect an account, maintain business and legal records, resolve disputes, enforce agreements, prevent fraud, satisfy regulatory examination and record-retention obligations, and carry out the purposes described in this policy. Retention periods vary based on the information, relationship, transaction, and applicable law. We may retain information about applicants who do not become customers where permitted or required by law.

13. Children

Our lending and employment services are not directed to children under 13, and we do not knowingly collect personal information online from children under 13. If you believe a child under 13 submitted information through our digital services, contact us so we can review the matter and take appropriate action.

14. Third-party websites and services

Our digital services may contain links to websites or services operated by third parties. Their privacy and security practices are governed by their own notices, not this policy. Review those notices before providing information to a third party.

15. Changes to this policy

We may update this policy to reflect changes in our practices, services, technology, legal requirements, or operations. The “Last updated” date shows when the policy was most recently revised. If required by law, we will provide additional notice or obtain consent before a material change takes effect. A revised federal Consumer Privacy Notice will be provided when required by Regulation P.

16. Contact Atlas Credit

For privacy questions, requests, or complaints, contact:

17. State lender and complaint contacts

For a loan-related question or complaint, contact the Atlas lender named in your loan documents first. If the matter is not resolved, you may contact the regulator for the applicable state. Regulator contact information may change; the regulator's official website controls.

Last updated: September 1, 2026