Trust is the basis of each customer relationship. It is of utmost importance that you, our customer, understand that we appreciate, honor and guard our relationship with great care, beginning with the information you share with us. We believe your privacy should not be compromised.

Because of this, it is our obligation to keep you informed of our practices. We use your information for the purpose of making your financial life easier by providing you with quality services and products that will help you achieve your financial goals. We understand you have concerns about the confidentiality of your Information. This notice should provide you with the information needed to better understand and feel confident in the privacy practices at the following entities. This policy is provided to you jointly by the organizations listed at the end of this policy.

In connection with your transaction, information may be acquired about you as described in this notice, which is handled as stated in this notice.

1. Non-public personal information about you is collected from the following sources:

• Information received from you on applications or other forms;

• Information about your transactions;

• Information received from a consumer reporting agency;

• Your browser; and

• Other sources, in connection with providing you a financial product or service.

2. We do not disclose, nor do we reserve the right to disclose, any non-public personal information about our consumers, customers or former customers to anyone, except as permitted by law. We may disclose non-public personal information about you, as a consumer, customer or former customer, to non-affiliated third parties as permitted by law.

3. We restrict access to non-public personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non- public personal information.

4. Phone calls, alerts and messages received as text messages on your mobile access device may incur charges from your mobile access service provider. Voice, data, messaging, or other wireless carrier fees may apply.

Text Message Policy

By providing us with your mobile number and opting-in, you give Heritage Acceptance Corporation permission to send you account-related text messages, (like payment reminders, contact and update requests, and other notifications) in conjunction with servicing your account.

• The number of messages will vary by account.
• Message and data rates may apply.
• Some messages may be pre-recorded and/or automated.
• To opt-out, text STOP to any text message we send you. An opt-out confirmation message will be sent back to you.
• To request support, text HELP to any text message we send you  or call (574) 522-9598
• If your handset does not support MMS, any messages sent may be delivered as SMS messages.
• Wireless carriers are not liable for undelivered or delayed messages.

Privacy Policy

2. We do not disclose, nor do we reserve the right to disclose, any non-public personal information about our consumers, customers or former customers to anyone, except as permitted by law. We may disclose non-public personal information about you, as a consumer, customer or former customer, to non-affiliated third parties as permitted by law. Subscriber text messaging originator opt-in data and consent details will not be shared with any third parties not required for our everyday business purposes except when explicitly authorized by the subscriber