Privacy Policy
Last updated: 2026-08-18
| Why? | Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing, and requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully. |
| What? | The types of personal information we collect and share depend on the product or service you use. This can include Social Security number, checking account information, transaction history and income, and credit history and account balances. |
| How? | All financial companies need to share customers' personal information to run their everyday business. Below we list the reasons financial companies can share personal information, the reasons Sphenefin chooses to share, and whether you can limit that sharing. |
Reasons we can share your personal information
| Reason | Does Sphenefin share? | Can you limit this? |
|---|---|---|
| For our everyday business purposes — to process transactions, maintain accounts, respond to legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes — to offer products and services to you | Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates' everyday business purposes — information about your transactions and experiences | Yes | No |
| For our affiliates' everyday business purposes — information about your creditworthiness | Yes | Yes |
| For our affiliates to market to you | Yes | Yes |
| For nonaffiliates to market to you | Yes | Yes |
Who we are and what we do
Who is providing this notice? Sphenefin (dba Sphenefin). To protect your personal information from unauthorized access and use, we use security measures that comply with federal law, including computer safeguards and secured files. We collect your personal information when you submit a loan request, provide contact information, or request help obtaining a loan — and from others, such as credit bureaus, affiliates or other companies. Federal law gives you the right to limit sharing for affiliates' use of your creditworthiness information and affiliate/nonaffiliate marketing; state laws may give you additional rights. If you hold an account jointly with someone else, your sharing choices apply to everyone on that account.
Definitions
Affiliates: companies related by common ownership or control (financial or nonfinancial). Nonaffiliates: companies not related by common ownership or control. Joint marketing: a formal agreement between nonaffiliated financial companies to jointly market products or services to you.
State-specific and other important information
Material changes to this Privacy Policy will be posted here and are effective upon posting. Vermont residents: we will not disclose information about you to affiliates or non-affiliated third parties, other than as required or permitted by law, without your express permission. California residents: see our separate California Privacy Notice. North Dakota residents: we will not disclose information about you to non-affiliated third parties, other than as required or permitted by law, without your express permission. Nevada residents: for more information about this notice or Nevada's do-not-call registry, contact us at the email below or the Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Street, Suite 3900, Las Vegas, Nevada 89101, phone (702) 486-3132. We honor Do Not Track requests only where required by applicable law; other parties may still collect information about your activity across other websites.
Contact Information
Company name: Sphenefin (doing business as Sphenefin). Email: [email protected]. Mailing address: 304 S. Jones Blvd #3567, Las Vegas, NV 89107.