Last Updated: November 2, 2022
Belmont Finance LLC (together with its subsidiaries, divisions, and brands, collectively, "Belmont," "we," "us," or "our," as the context may require) is a sales finance company providing consumer financing for in-home and direct sales. This Privacy Policy (this "Policy") describes our privacy practices for the website where this Policy appears, along with the customer and dealer portals managed by Belmont as part of the website (collectively, the "Site"), including the types of information we may collect from you when you visit the Site and our practices for collecting, using, protecting, and disclosing that information. We respect the privacy of the users of the Site ("you" or "your," as the context may require) and we are committed to respecting your privacy and the security of your personal information through compliance with this Policy.
Please read this Policy carefully to understand our policies and practices regarding your personal information and how we will treat it. By accessing or using the Site, you agree to this Policy and our Terms of Service. If you do not agree with this Policy, please do not visit, access, use, or otherwise interact with the Site.
This Policy may change from time to time (see Section 10 (Changes to this Policy)). Your continued use of the Site after we revise this Policy means you consent to such revisions and agree to abide and be bound by the most recent version of the Policy, so please check this Policy periodically for updates.
Please keep in mind that any personal information that we collect and process in connection with a financial product or service offered to you will be subject to our Consumer Privacy Notice. The Consumer Privacy Notice addresses our privacy obligations to you under the Gramm-Leach-Bliley Act ("GLBA") and the Fair Credit Reporting Act ("FCRA"), and the Consumer Privacy Notice will supersede this Policy in the event of any conflict.
Except as otherwise required by applicable law, this Policy describes and applies exclusively to personal information (as defined below) that we collect on or in connection with the Site and in texts, emails, and other electronic communications sent through or in connection with the Site. Except as otherwise provided in this Policy or as required by applicable law, this Policy does not apply to information that is collected by any application, website, or third party other than the Site, including through any application or content that may access, be linked to, or otherwise be accessible from the Site. If you visit an application, website, or third party that we mention or link to, be sure to review its privacy policy before providing any information, as that privacy policy will apply to your interactions with that application, website, or third party.
Except as otherwise provided in this Policy, "personal information" is information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with you. "Personal information" does not include information which is generally not considered "personal information" under applicable law, such as information which is publicly available or subject to special data privacy laws and/or regulations, such as "protected health information" covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA), or information not otherwise considered "personal information" under applicable law. For the avoidance of doubt, "personal information" does include "personally identifiable financial information" as defined under the GLBA.
We collect several types of information from and about you as a result of your use of the Site and as a result of your electronic communications with us. This information may include:
We may collect personal information:
The personal information we collect directly from you when you use or access the Site includes:
As you navigate through and interact with our Site, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:
The information we collect automatically is only statistical data and does not include personal information, but we may maintain the information or associate it with personal information we collect in other ways or receive from third parties. This information helps us improve our Site and deliver a better and more personalized service, including by enabling us to:
The technologies we use for this automatic data collection may include:
We also receive personal information from other sources, including credit bureaus, affiliates, and service providers. We generally require any service providers use your personal information only as we direct and in a manner consistent with this Policy.
We may offer the opportunity to engage with our Site and content on or through third-party social networking websites. When you engage with our content on or through third-party social networking websites, you may allow us access to certain information associated with your social media account, which may include personal data (e.g., name, username, email address, profile picture, gender) to deliver the content or as part of the operation of the website. We do not build profiles based on this information. The sharing and processing of such information is exclusively controlled by the social media platform you are using. If you do not wish to share such information or exercise any data subject rights related to such information, please refer to the privacy notices or policies of the social media platform you are using.
We may use the personal information that we collect about you or that you provide to us:
We may use or disclose aggregated information about our users and information that does not identify any individual without restriction.
We may disclose personal information that we collect or you provide:
We may use or disclose aggregated information about our users and information that does not identify any individual without restriction.
We provide all users with rights to:
To exercise any of these rights, please contact us as provided below in Section 11 (How to Contact Us). We may deny a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect, and we may retain copies of your personal information to the extent required by applicable law or as necessary to fulfill or enforce a loan or other contract to which you are bound.
To appeal a decision regarding a request, please contact us as provided below in Section 11 (How to Contact Us).
Additionally, we have identified or created the following mechanisms to provide you with further control over your information:
We do not control third parties' collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative ("NAI") on the NAI's website, https://thenai.org/opt-out. Similarly, you can opt out of receiving targeted ads from members of the Digital Advertising Alliance ("DAA") on the DAA's website, https://www.privacyrights.info.
If you are a resident of certain jurisdictions (e.g., California), applicable law may provide you with additional rights regarding certain categories of your personal information. Please see Section 12 (Jurisdiction-Specific Notices) for more information.
We implement various physical, administrative, and technical safeguards in accordance with industry standards to protect the security of your personal information both online and offline, including firewalls, encryption, and multifactor authentication. However, the safety and security of your information also depends on you. Where you have a username and password for access to certain parts of the Site, you are responsible for keeping this username and password confidential. We ask you not to share your username or password with anyone. If you believe your username or password has been compromised, please contact us as provided below in Section 11 (How to Contact Us).
Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to the Site. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Site.
The Site is not directed to nor intended for use by anyone under 18 years old ("Prohibited Users"). We do not knowingly collect personal information from Prohibited Users. Prohibited Users are not authorized to use the Site. If you are a Prohibited User, please do not provide any personal information to, on, or through the Site. If we learn we have collected or received personal information from a Prohibited User, we will delete that information. If you believe we might have any information from or about a Prohibited User, please contact us by any of the methods listed in Section 11 (How to Contact Us).
We reserve the right to review and revise this Policy from time to time, without prior notice, subject to applicable legal requirements to notify you or obtain your consent. The date this Policy was last reviewed and/or revised is noted at the top of the page. You are responsible for periodically visiting the Site and this Policy to check for any changes. Your continued use of the Site following the posting of changes constitutes your acceptance of such changes.
To ask questions or comment about this privacy policy and our privacy practices, contact us:
Via mail:
Belmont Finance LLC
300 Plover Road
Plover, WI 54467
Via email:
Via phone:
1-877-547-2926
This Section 12.A applies exclusively to users of the Site who reside in the state of California. We provide our California Privacy Notice to supplement our main Privacy Policy and to comply with California privacy laws, including the California Consumer Privacy Act of 2018 (the "CCPA"). The CCPA does not apply to certain information we collect, such as personal information collected, processed, sold, or disclosed pursuant to the GLBA. To the extent that we collect any personal information that is subject to the CCPA, our practices and your rights are described below. Notwithstanding anything to the contrary elsewhere in this Policy, terms defined in the CCPA have the meaning assigned to them under the CCPA when used in this California Privacy Notice.
If your account has a California mailing address, we will not share personal information we collect about you with any nonaffiliated third party unless you provide authorization (or "opt in"), except to the extent permitted under California law.
We may collect, and in the last twelve (12) months have collected, the following categories of personal information from consumers:
| Category | Examples |
| A. Identifiers | A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers. |
| B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)) | A name, signature, Social Security number, address, telephone number, passport number, driver's license or state identification card number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information. Some personal information included in this category may overlap with other categories. |
| C. Protected classification characteristics under California or federal law | Age, race, citizenship, marital status, sex (including gender, gender identity, gender expression), and veteran or military status. |
| D. Commercial information | Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. |
| F. Internet or other similar network activity | Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement. |
| I. Professional or employment-related information | Current or past job history. |
We may collect your personal information from the categories of sources of personal information identified in Section 4 (How We Collect Personal Information).
We may use, disclose, or otherwise process the personal information we collect for the purposes identified in Section 5 (How We Use Your Information) and Section 6 (Disclosure of Your Personal Information).
We may share your personal information by disclosing it to a third party for a business purpose. We only make these business purpose disclosures under written contracts that describe the purposes, require the recipient to keep the personal information confidential, and prohibit using the disclosed information for any purpose except performing the contract. In the preceding twelve (12) months, we have disclosed the following categories of information to our third-party service providers: identifiers, California Customer Records personal information categories, protected classification characteristics under California or federal law, commercial information, internet, or other similar network activity, and professional or employment-related information.
We do not sell personal information.
The CCPA provides consumers with specific rights regarding their personal information. This Section 12.A.V describes your CCPA rights and explains how to exercise those rights.
You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past twelve (12) months (your "Right to Know"). Once we receive your request and confirm your identity (see Section 12.A.V.c), we will disclose to you:
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions (your "Right to Delete"). Once we receive your request and confirm your identity (see Section 12.A.V.c (Exercising Your Rights to Know or Delete)), we will review your request to determine whether an exception allowing us to retain the information applies. We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:
We will delete or deidentify personal information not subject to one of these exceptions from our records and will direct our service providers to take similar action.
To exercise your Right to Know or your Right to Delete described above, please submit a request by either:
Only you or your authorized agent may make a verifiable consumer request related to your personal information. To designate an authorized agent, contact us through one of the methods listed above.
You may only make a Request to Know, Data Access Request, or Data Portability Request twice within a twelve (12) month period. Your Request to Know, Data Access Request, or Data Portability Request must:
We will confirm receipt of your request within ten (10) business days. If you do not receive confirmation within this timeframe, please contact us as provided in Section 11 (How to Contact Us).
We try to substantively respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time, we will inform you of the reason and extension period. We cannot respond to your request or provide you with personal information unless we can verify your identity or authority to make the request and confirm the personal information relates to you. If we cannot verify your request within forty-five (45) days of its receipt, we may deny your request.
Any disclosures we provide will only cover the twelve (12) month period preceding our receipt of your request. The response we provide will also explain the reasons we cannot comply with a request, if applicable. We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request. We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.
For instructions on exercising your sale opt-out or opt-in rights, see Section 12.A.V.e (Personal Information Sales Opt-Out and Opt-In Rights) below.
If you are 16 years old or older, you have the right to direct us to not sell your personal information at any time (the "right to opt-out"). We do not collect personal information from anyone we actually know is less than 18 years old, and we do not sell personal information, and therefore we do not sell the personal information of consumers we actually know are less than 16 years old.
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
However, we may offer you certain financial incentives permitted by the CCPA that can result in different prices, rates, or quality levels. Any CCPA-permitted financial incentive we offer will reasonably relate to your personal information's value and contain written terms that describe the program's material aspects. Participation in a financial incentive program requires your prior opt-in consent, which you may revoke at any time.
We do not currently provide any financial incentives.
This Section 12.B applies exclusively to users of the Site who reside in the state of Nevada. Nevada provides its residents with a limited right to opt-out of certain personal information sales. Nevada residents who wish to exercise this sale opt-out right may email us at [email protected]. Please include "Nevada" in your email subject line and include the following information in your email: (i) your name, (ii) Nevada resident address, and (iii) email address. However, please note that we do not currently sell data triggering that statute's opt-out requirements.
This Section 12.C applies exclusively to users of the Site who reside in the state of Vermont. If your account has a Vermont mailing address, we will not share personal information we collect about you with any nonaffiliated third party unless you provide authorization (or "opt in"), except to the extent permitted under Vermont law.