Privacy Policy

FACTS	What Does Willow Lake Lending Do With Your Personal Information?
Why?	Financial companies choose how they share your personal information. Consumers have the right to limit some but not all sharing. This notice tells you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and checking account information Payment history and income Employment information and wire transfer instructions
How?	All financial companies need to share customer personal information to run their everyday business. In the section below, We list the reasons financial companies can share their customers personal information; the reason Willow Lake Lending chooses to share; and whether you can limit this sharing.

FACTS

What Does Willow Lake Lending Do With Your Personal Information?

Why?

Financial companies choose how they share your personal information. Consumers have the right to limit some but not all sharing. This notice tells you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

Social Security number and checking account information
Payment history and income
Employment information and wire transfer instructions

How?

All financial companies need to share customer personal information to run their everyday business. In the section below, We list the reasons financial companies can share their customers personal information; the reason Willow Lake Lending chooses to share; and whether you can limit this sharing.

Reasons We Can Share Your Personal Information	Does Willow Lake Lending Share?	Can You Limit This Sharing?
For our everyday business purposes, such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.	YES	NO
For our marketing purposes – to offer our products and services to you.	YES	NO
For joint marketing with other financial companies	NO	WE DO NOT SHARE
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 non-affiliates to market to you.	YES	YES

To Limit Our Sharing
• Call (855) 857-5253 our menu will prompt you through your choices or • Contact us via email at customerservice@willowlakelending.com Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we can share your information as described in this notice. However, you can contact us at any time to limit our sharing.

To Limit Our Sharing

• Call (855) 857-5253 our menu will prompt you through your choices or

• Contact us via email at customerservice@willowlakelending.com

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we can share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions?
Call (855) 857-5253 or go to www.willowlakelending.com.

Who We Are:
Who is providing this notice?	Willow Lake Lending is a wholly owned subsidiary of Arrow Financial Services, a wholly owned subsidiary of Rosebud Economic Development Corporation (“REDCO”), a sovereign economic arm, enterprise, and instrumentality of, and created under the laws of and for the benefit of, the Rosebud Sioux Tribe, a federally recognized sovereign American Indian tribe in South Dakota, is providing this privacy policy.

Who We Are:

Who is providing this notice?

Willow Lake Lending is a wholly owned subsidiary of Arrow Financial Services, a wholly owned subsidiary of Rosebud Economic Development Corporation (“REDCO”), a sovereign economic arm, enterprise, and instrumentality of, and created under the laws of and for the benefit of, the Rosebud Sioux Tribe, a federally recognized sovereign American Indian tribe in South Dakota, is providing this privacy policy.

What We Do:
How does Willow Lake Lending protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures. These measures include computer safeguards and secured files and buildings.
How does Willow Lake Lending collect my personal information?	We collect your personal information, for example, when you: Apply for a loan Give us your income information Tell us where to send the money Provide account information Provide employment information We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
How does Willow Lake Lending collect my personal information?	You have the right to limit only: sharing for affiliates’ everyday business purposes information about your creditworthiness affiliates from using your information to market to you sharing for non-affiliates to market to you
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include other business entities of Rosebud Economic Development Corporation (“REDCO”), the economic arm of the Rosebud Sioux Tribe, a sovereign American Indian tribe in South Dakota.
Non-affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. Non-affiliates we share with include service providers and data processors.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. * Willow Lake Lending does not jointly market.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

• Our affiliates include other business entities of Rosebud Economic Development Corporation (“REDCO”), the economic arm of the Rosebud Sioux Tribe, a sovereign American Indian tribe in South Dakota.

Non-affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies. Non-affiliates we share with include service providers and data processors.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

* Willow Lake Lending does not jointly market.