WLCC Lending JEM D/B/A
Explore Credit Privacy Policy
Last Updated: May 1, 2025
WLCC Lending JEM D/B/A Explore Credit ("we," "us," or "our") respects your privacy and knows that you care about protecng your personal
informaon. This privacy policy idenes what informaon we collect from you when you access or use www.explorecredit.com (the "Site,"
including all subdomains), the services made available on and/or through the Site (the "Services"), and explains how we may use or share that
informaon.
This Site primarily operates as a for-prot business website. This privacy policy applies to informaon we collect from you on the Site; through the
Services; in email, text, and other electronic correspondence; and through any mobile applicaon through which we may communicate. Site may
host links other connecons to third party websites. The Site does not review, nor endorse, any other third-party website, nor does the Site control
how other third-party sites may use or collect informaon from consumers. We are not responsible for the consumer informaon use or collecon
policies, so please review them individually, as necessary.
1 Informaon We Collect
We may collect and use the following types of informaon from those who use the Site and the Services:
• Informaon by which you may be personally idened, such as your name, address, email address, phone number, social security number,
billing informaon, banking history, and credit card informaon, and other informaon that may not be publicly available ("personally
idenable informaon or PII”).
• Informaon about you that does NOT idenfy you personally, including, but not limited to, your demographic informaon (for example,
your age, gender, race, religion, polical aliaon, and household income), personal interests, online interacons, viewing data, requests
for Services, communicaons with us and third pares, adversement interacons, survey and polling informaon, Site feedback or
suggesons, search queries, and any other acvies when using the Site or the Services ("non personally idenable informaon or NPII").
• Informaon you provide when you register with the Site and the Services, when adding or updang account preferences, and when
subscribing for any Services not limited to income informaon, employment informaon, payment history, credit history, account balances,
and bank account informaon.
• We may combine the informaon you provide us with other informaon about you that we obtain from your past use of the Site and
Services, from our business partners, and from other companies. We will treat any NPII that is combined with PII as if it were all PII.
FACTS
WHAT DOES WLCC LENDING JEM D/B/A EXPLORE CREDIT DO WITH
YOUR PERSONAL INFORMATION?
WHY?
Federal law requires us to tell you how we collect, share, and protect your personal informaon. Federal law gives
consumers the right to limit some but not all sharing.
Please read this noce carefully to understand what we do.
WHAT?
The types of personal informaon we collect, and share depend on the product or service you have with us.
This informaon can include:
• Name, Mailing Address, Phone Number, Email Address
• Social Security number and Date of Birth,
• Credit History and Credit Scores
• Employment Informaon including Income Informaon and Payment History
• Bank Account Informaon and Account Balances
HOW?
In the secon below, we will explain how we may use or share your informaon, including the reasons that we may
share your informaon and your ability to limit this sharing.
Reasons we can share your personal informaon.
Does WLCC Lending JEM D/B/A
Explore Credit Share This
Informaon?
Can you limit this sharing?
For our everyday business purposes - such as to
process your transacons, maintain your account(s),
respond to court orders and legal invesgaons, or
report to credit bureaus.
Yes
No
For our markeng purposes - to oer our products and
services to you
Yes
No
For joint markeng with other nancial companies
Yes
No
For our aliates' everyday business purposes - informaon
about your transacons and experiences
Yes
No
For our aliates' everyday business purposes - informaon
about your creditworthiness
Yes
Yes
For our aliates to market to you
(Mobile phone number opt ins will not be shared)
Yes
Yes
For non-aliates to market to you
(Mobile phone number opt ins will not be shared)
Yes
Yes
To limit our
sharing
Call our toll-free number: +1844-355-5626
• Email support@explorecredit.com
• If you are a new customer, we can begin sharing your informaon as soon as you sign your loan
agreement. When you are no longer a customer, we may connue to share your informaon as
described in this noce. However, you can contact us at any me to limit our sharing.
Quesons?
Call +1 844-355-5626
What we do
How does WLCC Lending JEM D/B/A Explore Credit
protect my personal informaon?
• To protect your personal informaon from
unauthorized access and use, we use security
measures that comply with Federal Trade Commission
regulaons. These measures include computer
safeguards and secured les and buildings.
• We also maintain physical, electronic and procedural
safeguards (e.e., computer virus protecon soware,
rewalls, 128-bit Secure Socket Layer). Only
authorized employees have access to your personal
informaon.
How does WLCC Lending JEM D/B/A Explore Credit
collect my personal informaon?
We collect your personal informaon, for example, when you:
• Apply for credit
• Give us your income informaon
• Provide employment informaon
• Provide account informaon
• Give us your contact informaon
• Communicate with us electronically via email
• Call our call center
We also collect your personal informaon from others, such as credit
bureaus, aliates, or other companies.
Why can't I limit all sharing?
Federal law gives you the right to limit only:
• Sharing for aliates' everyday business
• Aliates from using your informaon to market to you;
and
• Sharing for non-aliates to market to you.
State laws and individual companies may give you addional rights to
limit sharing.
Denions
Aliates
Financial and non-nancial companies that earn commissions for
referring sales, leads, and trac to a non-related company.
Non-Aliates
Financial and non-nancial companies are not related by common
ownership or control.
Joint Markeng
A formal agreement between nonaliated nancial companies that
together market nancial products or services to you.
Links to Other Websites
This Site may contain links to, or from, other websites. This privacy policy only applies to informaon collected on this Site, and we are not
responsible for other website's privacy pracces. Please be aware that when you exit our Site using such links, you are bound by the privacy
policies of the other websites. We encourage you to review the privacy pracces of all other websites you reach through links on our Site.
Account-related & Promoonal Use Cases
By providing us with your mobile number and opng-in, you give Explore Credit permission to send you account-related text messages, like payment
reminders and nocaons, as well as promoonal messages, such as special oers and discounts, in conjuncon with the services you have
requested. Message frequency may vary by account. Message and data rates may apply. To opt-out, text STOP to any text message we send you. An
opt-out conrmaon message will be sent back to you. To request support, text HELP to any text message we send you or email us at
support@explorecredit.com. If your handset does not support MMS, any MMS messages sent may be delivered as SMS messages. Wireless carriers
are not liable for undelivered or delayed messages.
Privacy Policy
All the above categories exclude text messaging originator opt-in data and consent; this informaon will not be shared with any third pares.
Changes to the Privacy Policy
We may update this privacy policy at any me. We will post any changes in our privacy pracces on this page with the date of the most recent
revision indicated next to "Last updated" near the top of the page. If we make signicant changes to the way we manage our visitors' personal
informaon, we may nofy you by email or by posng prominent noce on our Site. We reserve the right to determine the most appropriate means
of providing you with any noce required or advisable, in our sole discreon, under the terms of this privacy policy or as required by law. We may
choose to provide nocaon by email, physical wrien noce, posng prominently on the Site, or through other conspicuous means. It is your
responsibility to ensure we have your current email address and to periodically check this page for any updates.
Opt-Out Procedures
As your privacy is important to us, we provide you with the following procedure(s) for opng out of future communicaons from us:
• Email. Send an email to optout@explorecredit.com explaining the specic communicaons or privacy pracces you want to opt out of. You
may also opt out by clicking "unsubscribe," or a similar buon, at the boom of any emails we may send you and then following the online
instrucons. However, please note that it may not be possible to opt out of certain emails (for example, conrmaon emails related to services
you have requested).
• Phone. Call +1 844-355-5626 to receive help from our customer support team to opt out.
Opt-out requests will be honored, and we will do our best to stop communicaon immediately, however it may take up to 30 days for previously
iniated markeng campaigns to cease. Opt-out requests do not apply to non-markeng, informaonal and/or transaconal communicaon from
WLCC Lending JEM D/B/A Explore Credit related to your customer account with us.
Third-party Adversers. WLCC Lending JEM D/B/A Explore Credit ulizes 3rd party marketers to promote its products and services. Third-party
marketers iniate markeng campaigns using informaon in their own databases. Opt-out request made to us will not necessarily prevent markeng
from third- party marketers who rely upon their own mailing and contact lists. You will have to contact each directly in order to opt-out of their
individual mailing and/or contact lists. No mobile informaon will be shared with third pares/aliates for markeng/promoonal purposes. All the
above categories exclude text messaging originator opt in data and consent; this informaon will not be shared with any third pares.
Third-Party Tracking. We cannot control the privacy pracces of third pares that use cookies, web beacons, or other tracking technologies associated
with their content on the Site to collect informaon about your acvies over me and across dierent websites. These third pares rely on their own
privacy policies, not this one, and may have dierent pracces and procedures for liming their sharing of your informaon or opng out of their
mailing/contact lists. Please review their privacy policies for more informaon. Addionally, you may opt out of tracking from members of the Network
Adversing Iniave (NAI) by vising its Consumer Opt-Out Page.
Addional rights for California residents under the CCPA
• Under the CCPA, California residents have the right to know and access your personal informaon.
o Know the categories of personal informaon we collect and the categories of sources from which we got the informaon.
o Know the business or commercial purposes for which we collect and share personal informaon
o Know the categories of third pares and other enes with whom we share personal informaon
o Access the specic pieces of personal informaon we have collected about you.
To request this informaon, please email your name, email address, California postal address as well as your loan ID, if you have one to
CCPA@ExploreCredit.com. You may also exercise your right by calling +1-844-355-5626.
• Right to deleon. In some circumstances, you may ask us to delete your personal informaon. To request deleon of your informaon, please
email your name, email address, California postal address as well as your loan ID, if you have one to CCPA@ExploreCredit.com. You may also
exercise your right by calling +1-844-355-5626.
• Right to opt out of sales. We may share your personal informaon with third pares in ways that may constute a "sale" under CCPA. You may
request that we not "sell" your personal informaon on a going forward basis. To do so, please email your name, email address, California postal
address as well as your loan ID, if you have one to CCPA@ExploreCredit.com. You may also exercise your right by calling +1-844-355-5626. If you
reengage with us aer opng out of the "sale" of your personal informaon, such as obtaining a new loan, signing up for a newsleer and/or
entering a sweepstakes or contest your personal informaon will be collected and used in accordance with this Privacy Noce.
• Right to be free from discriminaon. You may exercise any of the above rights without fear of being discriminated against. We are permied to
provide a dierent price or rate to you if the dierence is directly related to the value provided to you by your data.
For any of the above menoned rights, you may designate an authorized agent to make a request on your behalf. In the request, you or your
authorized agent must provide including informaon sucient for us to conrm the identy of an authorized agent. We are required to verify that
your agent has been properly authorized to request informaon on your behalf, and this may take addional me to fulll your request.
We will use the informaon you provide to make your CCPA rights requests to verify your identy, idenfy the personal informaon we may hold
about you and act upon your request. We strongly recommend that you submit the email and postal address that you used when you created
accounts or signed up for a newsleer. If you are a California resident and have any quesons regarding your CCPA rights under this Privacy Noce,
please contact us at CCPA@ExploreCredit.com.
Cookies. ln order to opt out of cookies and other tracking technologies, you can congure or disable cookies in your browser sengs. However, please
note that doing so may cause parts of the Site to funcon improperly.
Contact Us. Your feedback is important to us. To send us your quesons, suggesons, or complaints, please contact us as follows:
WLCC Lending JEM D/B/A Explore Credit I
Wakpamni Lake Road
Wakpamni Lake, SD 57716
