Privacy Policy

FACTS	What Does Desert Ridge 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 a customer’s 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 Desert Ridge Lending chooses to share, and whether you can limit this sharing.

Reasons We Can Share Your Personal Information	Does Desert Ridge 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 Subscriber text messaging originator opt-in data and consent details will not be shared with any third parties not required for our everyday business purposes except when explicitly authorized by the subscriber.	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 Your Sharing
Call (877) 380-3778 our menu will prompt you through your choices or Contact us via email at customerservice@DesertRidgeLending.com Subscriber text messaging originator opt-in data and consent details will not be shared with any third parties not required for our everyday business purposes except when explicitly authorized by the subscriber. 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 Your Sharing

Call (877) 380-3778 our menu will prompt you through your choices or
Contact us via email at customerservice@DesertRidgeLending.com

Subscriber text messaging originator opt-in data and consent details will not be shared with any third parties not required for our everyday business purposes except when explicitly authorized by the subscriber. 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 (877) 380-3778 or go to DesertRidgeLending.com .

Who We Are:
Who is providing this notice?	Desert Ridge Lending is a wholly owned corporate subdivision of Wolf Creek Holdings, which is a wholly owned corporate subdivision and economic arm of the Santa Ysabel Economic Development Corporation, a federally chartered Tribal business corporation organized under 25 U.S.C § 5124, a sovereign economic arm, enterprise and instrumentality of, and created under the laws and for the benefit of, the Iipay Nation of Santa Ysabel, a federally recognized sovereign American Indian tribe in California, which abides by the principles of federal consumer finance laws, as incorporated under the laws of the Tribe. Loans for Desert Ridge Lending are governed by the laws of the Tribe, not the law of your resident state.

Who We Are:

Who is providing this notice?

Desert Ridge Lending is a wholly owned corporate subdivision of Wolf Creek Holdings, which is a wholly owned corporate subdivision and economic arm of the Santa Ysabel Economic Development Corporation, a federally chartered Tribal business corporation organized under 25 U.S.C § 5124, a sovereign economic arm, enterprise and instrumentality of, and created under the laws and for the benefit of, the Iipay Nation of Santa Ysabel, a federally recognized sovereign American Indian tribe in California, which abides by the principles of federal consumer finance laws, as incorporated under the laws of the Tribe. Loans for Desert Ridge Lending are governed by the laws of the Tribe, not the law of your resident state.

What We Do:
How does Desert Ridge 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 secure files and buildings.
How does Desert Ridge 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.
Why can’t I limit all sharing?	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 non-financial companies. Our affiliates include other business entities of Desert Ridge Lending, which is a wholly owned corporate subdivision of Wolf Creek Holdings, a wholly owned corporate subdivision and economic arm of the Santa Ysabel Economic Development Corporation & Tribal Development Corporation, a sovereign economic arm, enterprise and instrumentality of, and created under the laws and for the benefit of, the Iipay Nation of Santa Ysabel, a federally recognized sovereign American Indian tribe in California.
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. * Desert Ridge Lending does not jointly market.

FOOTER DISCLOSURES

Wolf Creek Lending dba Desert Ridge Lending is a wholly owned corporate subdivision of Wolf Creek Holdings, a wholly owned corporate subdivision and an economic arm of the Santa Ysabel Economic Development Corporation (“EDC”), a federally chartered Tribal business corporation organized under 25 U.S.C § 5124, a sovereign economic arm, enterprise and instrumentality of, and created under the laws and for the benefit of, the Iipay Nation of Santa Ysabel, a federally recognized sovereign American Indian tribe in California, which abides by the principles of federal consumer finance laws, as incorporated under the laws of the Tribe.

Desert Ridge Lending reviews your information to determine whether it meets our lending criteria. By completing and submitting the website application, you acknowledge that you are applying for a loan. We verify applicant information through national databases including, but not limited to, Clarity and Factor Trust, and we may obtain information from consumer reporting agencies to evaluate your eligibility and ability to repay. Desert Ridge Lending does not lend to residents of Arkansas, Connecticut, District of Columbia, Illinois, Maine, Maryland, Massachusetts, Minnesota, New Hampshire, New Mexico, New York, Pennsylvania, Vermont, Virginia, West Virginia. The availability of installment loans is subject to change at any time at the sole discretion of Desert Ridge Lending.

Desert Ridge Lending loans are designed to assist you in meeting your short-term borrowing needs and are not intended to be a long-term financial solution. Examples of emergency reasons why these loans may be used include, but are not limited to, unexpected emergencies, car repair bills, medical care, or essential travel expenses. Alternative forms of credit, such as a credit card cash advance, personal loan, home equity line of credit, existing savings, or borrowing from a friend or relative, may be less expensive and more suitable for your financial needs. Desert Ridge Lending encourages quick repayment to save on finance fees. You will only pay the interest accrued up until your payment date. Late fees and non-sufficient funds/returned item fees may apply as described in your Loan Agreement. Complete disclosure of APR, fees, and payment terms is provided within the Loan Agreement. If you do not make a payment on time, we may attempt to contact you via one or more authorized methods. We adhere to the principles of the federal Fair Debt Collection Practices Act (FDCPA). We may report your payment history to one or more credit bureaus. If you fail to repay your loan in accordance with its terms, we may place your loan with or sell your loan to a third-party collection agency or other company that acquires and/or collects delinquent consumer debt.

As part of our information collection process, we may detect additional bank accounts under the ownership of the consumer. These additional accounts may be considered as part of the application process.

Loan applications fully verified and approved Monday through Thursday by 6:30 p.m. Central Time will be funded as soon as the next business day. Loan applications fully verified and approved Friday by 6:30 p.m. Central Time will be funded as soon as the following Monday, provided that Monday is not a bank holiday.

^* Some loans may be eligible for free same-day funding if approved Monday through Friday by 2:00 p.m. Central Time. If same-day funding is not available, funds will be provided as soon as the next business day. Deposit times and same-day funding availability may vary depending on your financial institution. Desert Ridge Lending is not responsible for any additional charges applied by your financial institution. Errors or omissions in providing your bank or card information in the Disbursement and Payment Choice Authorization section may cause delays.

You will only pay interest accrued up to your payment date.

^** You may be contacted to verify your information prior to approval. Approval is not guaranteed and may be delayed or rescinded if certain information has changed or cannot be verified.

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