Your privacy is important to us. Learn how we collect, use, protect, and share your personal information.
Welcome to Arrowhead Advance. This Privacy Policy explains how Wakpamni Lake Community Corporation d/b/a Arrowhead Advance ("Arrowhead Advance," "we," "us," or "our") collects, uses, discloses, and protects your personal information when you visit our website, apply for a loan, or use our services.
We are committed to protecting your privacy and handling your personal information with care and respect. This Privacy Policy applies to all information collected through our website, mobile applications, phone communications, email, and any other interactions you have with us.
We implement industry-standard security measures to protect your personal and financial information. We will never sell your personal information to third parties for marketing purposes.
This Privacy Policy covers:
Arrowhead Advance is operated by the Wakpamni Lake Community Corporation, an entity of the Oglala Sioux Tribe. As a tribal entity, we operate under tribal law and federal regulations. State privacy laws may not apply to our operations. However, we are committed to maintaining high standards of privacy protection for all our customers.
We collect various types of information to provide and improve our services. The information we collect falls into several categories:
When you apply for a loan or interact with our services, we collect:
We obtain information from third-party sources to evaluate your loan application:
When you visit our website or use our online services, we automatically collect:
Most of the information we collect is necessary to process your loan application and provide our services. However, some information, such as survey responses or marketing preferences, is voluntary. You can choose not to provide voluntary information, though this may limit our ability to offer certain features or communications.
We use the information we collect for various legitimate business purposes:
You can opt out of marketing communications at any time by following the unsubscribe instructions in our emails, adjusting your account preferences, or contacting us directly. Opting out of marketing communications will not affect transactional communications related to your loan account.
We share your personal information only as described in this Privacy Policy and as necessary to provide our services. We do not sell your personal information to third parties for their marketing purposes.
We share information with third-party service providers who perform services on our behalf:
All service providers are bound by confidentiality obligations and are only permitted to use your information to provide services to us, not for their own purposes.
We may report your loan and payment information to one or more consumer reporting agencies (credit bureaus). This information becomes part of your credit file and may affect your credit score. Late payments, missed payments, or defaults will be reported and can negatively impact your credit.
If your account becomes delinquent, we may share your information with collection agencies or attorneys for the purpose of collecting the debt you owe.
In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred to the acquiring entity. You will be notified of any such change and any choices you may have regarding your information.
We may disclose your information when required by law or when we believe disclosure is necessary to:
As an enterprise of the Wakpamni Lake Community Corporation, we may share information with other tribal entities and departments as necessary for tribal governance, oversight, and economic development purposes.
We may share your information with other parties when you provide explicit consent for us to do so.
We require all third parties with whom we share your information to maintain appropriate security measures and to use your information only for the specific purposes for which it was shared. We do not authorize third parties to use or disclose your information except as necessary to perform services on our behalf or comply with legal requirements.
We take the security of your personal information seriously and implement comprehensive security measures to protect it from unauthorized access, use, disclosure, alteration, or destruction.
Our security practices include:
In the event of a data breach that compromises your personal information, we will notify you in accordance with applicable law. Notification will include:
While we implement strong security measures, you also play a role in protecting your information:
While we strive to protect your personal information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security, but we continuously work to enhance our security measures and protect your data to the best of our ability.
You have certain rights regarding your personal information. The specific rights available to you may vary depending on applicable law.
You have the right to:
You have the right to:
You can opt out of marketing communications by:
Note: Opting out of marketing communications will not stop transactional communications related to your loan account, such as payment reminders or important account notices.
You may request deletion of your personal information, subject to certain limitations:
Some browsers have "Do Not Track" features that signal websites not to track users. Currently, there is no universally accepted standard for how to respond to Do Not Track signals. Our website does not currently respond to Do Not Track signals, but we limit tracking as described in the Cookies section of this policy.
To exercise any of these rights, you can:
We will respond to verified requests within a reasonable timeframe as required by applicable law. We may need to verify your identity before processing your request to protect your privacy and security.
As a tribal entity operating under tribal law, certain state privacy laws may not apply to our operations. However, we are committed to respecting your privacy rights and will work with you to address your privacy concerns to the extent feasible under our tribal and federal legal obligations.
We use cookies and similar tracking technologies to enhance your experience on our website, analyze usage, and improve our services.
Cookies are small text files stored on your device when you visit a website. They help websites remember your preferences and recognize you on return visits.
| Cookie Type | Purpose | Duration |
|---|---|---|
| Essential Cookies | Required for the website to function properly. Enable basic features like page navigation and access to secure areas. | Session or up to 1 year |
| Functionality Cookies | Remember your preferences and choices (such as language or region) to provide enhanced, personalized features. | Up to 2 years |
| Analytics Cookies | Help us understand how visitors interact with our website by collecting and reporting information anonymously. | Up to 2 years |
| Advertising Cookies | Used to deliver relevant advertisements and track campaign effectiveness. | Up to 1 year |
We may allow certain third-party services to place cookies on your device for:
You can control and manage cookies in several ways:
If you disable or refuse cookies, some parts of our website may become inaccessible or not function properly. Essential cookies are necessary for the website to work, and disabling them may prevent you from using our services.
Arrowhead Advance services are intended for adults only. We do not knowingly collect, use, or disclose personal information from children under the age of 18.
To apply for a loan, you must be at least 18 years old. We verify age during the application process and will not approve applications from individuals under 18.
If you are a parent or guardian and believe that your child under 18 has provided personal information to us, please contact us immediately at support@arrowheadusadvance.com or (888) 459-1315. We will take prompt steps to delete such information from our systems.
Our website and services are not directed to children, and we do not knowingly collect personal information from children as defined by the Children's Online Privacy Protection Act (COPPA) or similar laws.
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors.
When we make changes to this Privacy Policy, we will:
Your continued use of our services after the effective date of an updated Privacy Policy constitutes your acceptance of the revised policy. If you do not agree with the changes, you should discontinue use of our services and contact us about closing your account.
We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information and your privacy rights.
If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:
We're here to help address your privacy concerns
Arrowhead Advance
Attn: Privacy Officer
Wakpamni Lake Community Corporation
[Physical Address]
[City, State ZIP]
We will respond to your privacy inquiries and requests within a reasonable timeframe, typically within 30 days. For complex requests, we may need additional time and will inform you of any delays.
For formal privacy requests (such as access, correction, or deletion of personal information), we may require written verification of your identity to protect your privacy and security. Please include your full name, address, phone number, and a description of your relationship with Arrowhead Advance when submitting written requests.