"Site" means and includes any and all websites including (www.onemainfinancial.com) , interactive features, widgets, plug-ins, applications, content, downloads and/or other services maintained by any of the OneMain or OneMain Financial family of companies.
The terms “we,” “us,” “our,” or “OneMain,” as used on this Site, mean and include the OneMain and OneMain Financial family of companies. The terms “you” or “your” mean and include you as an individual person and, if you are an employee or representative of another person or entity, such person or entity.
We and our third-party service providers may use a variety of tracking technologies that automatically (or passively) store or collect certain nonpersonal information whenever you visit or interact with the Site (“Usage Information”). This Usage Information may be stored or accessed using a variety of technologies that may be downloaded to your personal computer, browser, laptop, tablet, mobile phone or other device (a “Device”) whenever you visit or interact with our Site. This Usage Information may include:
On the Site, we may ask you to provide us or our service providers with information that identifies you personally (“Personal Information”) such as:
We may collect this information through various forms and in various places on the Site, including if you apply for a loan, through "contact us" forms, or when you otherwise interact with the Site.
Please see our Privacy Notice , which we provide to all our customers, for a comprehensive explanation of how we collect, use and share Personal Information and what your can do to limit the use and sharing of your Personal Information.
How Do We Use Collected Information?
What about Cookies, Web Beacons and other Tracking Technologies?
OneMain uses tracking technologies, such as Cookies and Web Beacons, on our Site to collect and store Usage Information whenever you visit or interact with the Service. A “Cookie” is a small file containing alphanumeric characters that stores information about the user or records the user’s browsing activity. Cookies are stored on your Device’s hard drive. A “Web Beacon” is an electronic image (1x1 .gif) located within a certain web page that allows the Site to record the simple actions of the user opening the page. Cookies, Web Beacons, and other tracking technologies (e.g., HTML5 and Flash local storage, embedded scripts, and e-tags/cache browsers) may be active on our Site. There may be other tracking technologies now and later devised and used by us in connection with the Site.
OneMain may send one or more tracking technologies to your Device when you visit the Site, or other sites where OneMain ads appear, for a variety of purposes, including:
In addition to the list above, we may also work with data providers who may collect web log data from you, such as your IP address and information about your browser or operating system. We may place a data provider’s cookie which will be used to recognize your browser and enable you to receive customized ads or content. These cookies contain no personally identifiable information; they may contain or reflect demographic or other interest-based data in a de-identified form. The information in these cookies may be linked to data you voluntarily have submitted to us, such as your name, postal address or email, which we may share with a data provider in hashed or encrypted form. To opt-out of these data provider cookies, please go to the Digital Advertising Alliance (“DAA”) website at http://www.aboutads.info/choices.
OneMain also uses depersonalized aggregated Usage Information to assess and maximize the performance of the Site. This depersonalized Usage Information may be provided to other companies to assist us with these objectives, including, but not limited to, third party advertisers, analytics providers, and other service providers. Depersonalized Usage Information does not include any Personal Information that can be used to identify individuals.
Your browser should allow you to manage tracking technologies. However, if your browser’s settings are too restrictive you may not be able to use all of the features of this Site.
How About Interactions with Third-Party Services?
What about Advertising?
OneMain uses the following Google Analytics advertising features:
Third-party analytics and other service providers may set and access their own tracking technologies on your Device and they may otherwise collect or have access to information about you, which may include Personal Information. For example, on the Site, Google will collect, store, and use this information to create statistical reports about your use of the Site. You can opt-out of the Google Analytics Advertising Features through their Ads Settings or any other available means. Google Analytics’ currently available opt outs can be found at: https://tools.google.com/dlpage/gaoptout . We are not responsible for the effectiveness of or compliance with any third parties’ opt-out options, including Google’s opt-out.
Further, while we may use a variety of companies to serve advertisements on the website, you may wish to visit http://www.networkadvertising.org/choices , which provides information regarding this practice by Network Advertising Initiative (“NAI”) members, and your choices regarding having this information used by these companies, including the “opt-out” procedures of NAI members. Opting out of one or more NAI members only means that those NAI members no longer will be allowed under their own rules to deliver targeted content and/or ads to you, which will affect this and other sites, but does not mean you will no longer receive any targeted content and/or ads. Also, if your browsers are configured to reject cookies when you visit this opt-out page, or you subsequently erase your cookies, use a different device or change web browsers, your NAI opt-out may not, or may no longer, be effective. Additional information is available on the NAI’s website accessible by the above link. You may also be able to opt-out of receiving third-party behavioral ads by visiting the DAA website at http://www.aboutads.info/choices . Similar limitations may apply to the DAA opt-out
We are not responsible for effectiveness of or compliance with any third-parties’ opt-out options.
How does OneMain share information?
Can I confirm that the information OneMain collects is correct or make changes to my information?
Keeping your account information accurate and up to date is very important. You may request access to the Personal Information OneMain maintains about you, or you may ask questions or raise issues with the accuracy of your Personal Information, with us by contacting us at the following phone number or postal address: 1-800-742-5465, OneMain, P.O. Box 3662, Evansville, IN 47735-3662. We will promptly investigate your concerns, respond to you and update our records as needed. We request that you keep your information as up to date as possible so that you may get the maximum benefit from OneMain. You can make changes by logging into account management on the Site. In particular, please make sure that you inform us of e-mail address changes since this is the quickest way to communicate. When you edit your Personal Information or change your preferences on the Site, information that you remove may persist internally for our administrative purposes.
What about Email and Text Messaging?
You may cancel or modify our e-mail marketing communications you receive from us by following the instructions contained within our promotional e-mails. This will not affect subsequent subscriptions and if your opt-out is limited to certain types of e-mails the opt-out will be so limited. If you subscribe to text messages from us, you can terminate a particular text message subscription by reply texting “STOP.” Subsequent or different subscriptions will be unaffected. Please note that we reserve the right to send you certain communications relating to your account or use of our Site, such as administrative and service announcements and these transactional account messages may be unaffected if you choose to opt-out from receiving our marketing communications.
How is information collected on this Site protected?
OneMain endeavors to incorporate commercially reasonable physical, electronic, and procedural safeguards to help protect and secure your Personal Information. We maintain Personal Information in secure computer systems and we limit the employees’ access to those with a business reason to see it. More specifically, employees may access information about you when needed to maintain your accounts or otherwise meet your needs. Our employees are trained to understand and comply with OneMain’s security safeguards. However, no data transmission over the Internet, mobile networks, wireless transmission or electronic storage of information can be guaranteed to be 100% secure.
Am I protected when linking from the Site to other sites?
Online Tracking and Do Not Track Disclosures
Third parties that have content embedded on our Site may set Cookies on a user’s browser and/or obtain information about the fact that a web browser visited a specific OneMain website from a certain IP address.
Various third parties are developing or have developed signals or other mechanisms for the expression of consumer choice regarding the collection of information about an individual consumer’s online activities over time and across third-party websites or online services (e.g., browser Do Not Track (DNT) signals). Currently, we do not monitor or take any action with respect to these signals or other mechanisms. We do not allow third parties to collect Personal Information about a user’s online activities, over time and across different sites, services, and applications, when that user uses our site, service or applications.
What About Information I Disclose Publicly or to Others?
User Content and Public Information. The Site may permit you to submit ideas, photographs, video, pictures, data, information about your location, questions, comments, suggestions or other content, including Personal Information (collectively, “User Content”). We or others may store, display, reproduce, publish, distribute or otherwise use User Content online or offline in any media or format (currently existing or hereafter developed) and may or may not attribute it to you. Others may have access to this User Content and may have the ability to share it with third parties. Please think carefully before deciding what information you share, including Personal Information, in connection with your User Content. Please note that we do not control who will have access to the information that you choose to make public, and cannot ensure that parties who have access to such publicly available information will respect your privacy or keep it secure. We are not responsible for the privacy or security of any information that you make publicly available on the Site or what others do with information you share with them on the Site. We are not responsible for the accuracy, use or misuse of any User Content that you disclose or receive from third parties through the Site.
Do We Collect Information about Children?
We are a general audience site and we do not knowingly collect, maintain, or use Personal Information on our Site about children under the age 13 that requires parental notice and consent under the Children’s Online Privacy Protection Act (“COPPA”). If you are a child under 13 years of age, you are not permitted to use the Site and should not send any information about yourself to us through the Site.
If we become aware that we have collected personal information from any child, we will dispose of that information in accordance with COPPA and other applicable laws and regulations. If you are a parent or guardian and you believe that your child under the age of 13 has provided us with Personal Information without COPPA-required consent, please contact us using the contact information provided below.
What About Transfer of Information to the United States?
Additional Notices In Connection with the OneMain Rewards Program
To the extent we provide you notice through the Program of different or additional privacy policies or practices (e.g., at the point of our collection), those additional terms shall govern such data collection and use.
We may use various methods and technologies to store or collect Usage Information such as Cookies and Web Beacons (as described above) (collectively, "Tracking Technologies"). There may be other Tracking Technologies now and later devised that are used by us in connection with the Program. We may use Tracking Technologies for a variety of purposes, including:
We may use your Personal Information, Demographic Information or Usage Information that is collected in connection with the Program:
Additional Notices In Connection with OneMain Perks
Copyright © 2016. All right reserved
OneMain Financial is an Equal Housing Lender.
CA: OneMain Financial Group, LLC and OneMain Financial Services, Inc. and OneMain Consumer Loan, Inc. – Loans made or arranged pursuant to Department of Business Oversight California Finance Lenders License. NH: OneMain Financial - NMLS # 1339418 and OneMain Consumer Loan, Inc. - NMLS # 937358. PA: OneMain Financial Group, LLC and OneMain Financial of Pennsylvania, Inc. and OneMain Consumer Loan, Inc. – Licensed by the Pennsylvania Department of Banking and Securities. RI: OneMain Consumer Loan, Inc., Rhode Island Licensed Lender and Licensed Small Loan Lender.
For residents of the State of Washington only: OneMain Financial Group, LLC - Consumer Loan Company License - NMLS # 1339418, OneMain Financial of Washington, Inc. - Consumer Loan Company License - NMLS # 36167, OneMain Consumer Loan, Inc. - Consumer Loan Company License - NMLS # 937358 and OneMain Financial Services, Inc. - Consumer Loan Company License - NMLS # 1056. Click here for the NMLS Consumer Access Database.