Privacy Notice and Policy

Our Commitment to Privacy

Avio Credit ("Avio Credit," "we," "our," or "us") understands that applying for credit requires you to share sensitive personal and financial information. This Privacy Notice and Policy explains the information we may collect through aviocreditapply.com, our online application, customer communications, and related services. It also explains how we use that information, when we may share it, and how you can contact us about your choices.

Information We May Collect

The information we collect depends on how you interact with Avio Credit. It may include identifying information such as your name, date of birth, Social Security number, mailing address, email address, phone number, state of residence, and government-issued identification details.

If you submit an application or manage an account, we may collect financial and underwriting information, including income, employment, benefits, banking details, requested loan amount, payment history, transaction records, credit information, and other details needed to evaluate eligibility or service a loan.

We may also collect technical information when you use our website, such as IP address, browser type, device identifiers, pages visited, referring URLs, approximate location, cookie data, and information about how you use our forms and online tools.

Sources of Information

We collect information directly from you, from your use of our website, from service providers that help operate our application and fraud-prevention systems, from credit bureaus or alternative data providers where permitted, from banks and payment processors, and from public or commercially available sources when reasonably necessary for identity verification, underwriting, compliance, or account servicing.

How We Use Information

Avio Credit may use personal information to receive and review applications, verify identity, evaluate eligibility, prevent fraud, present available loan options, prepare loan documents, process ACH deposits and payments, service accounts, respond to customer requests, and maintain records required by law.

We may also use information to improve our website, troubleshoot technical issues, measure advertising or site performance, send required notices, provide customer support, report account activity where applicable, enforce agreements, protect our rights, and comply with licensing, legal, regulatory, audit, or security obligations.

Credit, Banking, and Payment Information

When you apply for or accept a loan, Avio Credit may use bank account information to verify account ownership, deposit approved funds, process scheduled payments, handle returned payments, and service your account. We may review credit or consumer report information where permitted. If your loan is accepted and serviced, account activity may be furnished to consumer reporting agencies according to applicable law and the terms disclosed to you.

Cookies and Online Tracking

Our website may use cookies, pixels, log files, analytics tools, and similar technologies to keep the site working, remember preferences, protect against misuse, understand traffic patterns, and improve the online application experience. Most browsers let you limit or delete cookies. Some parts of the site may not function as intended if cookies are disabled.

When We Share Information

We do not sell your personal information as a standalone product. We may share information with vendors and service providers that support our business, including application technology providers, identity verification services, fraud-prevention vendors, customer support platforms, payment processors, data hosting providers, analytics providers, auditors, collection or servicing partners, and professional advisors.

We may share information with credit bureaus, consumer reporting agencies, banks, ACH processors, regulators, law enforcement, courts, or government agencies when permitted or required. We may also disclose information to protect Avio Credit, our customers, or others from fraud, security threats, unauthorized transactions, or legal claims.

If Avio Credit is involved in a merger, financing, restructuring, sale of assets, transfer of servicing rights, or similar business transaction, information may be reviewed or transferred as part of that transaction, subject to appropriate confidentiality and legal requirements.

Text Messages, Calls, and Email

If you provide a phone number or email address, Avio Credit and service providers acting on our behalf may contact you about your application, account, payment reminders, document requests, security alerts, or customer service matters. Where required, marketing calls or text messages will be sent only with appropriate consent. You may opt out of promotional texts by replying STOP to a text message or by contacting us. Message and data rates may apply.

Your Choices and Rights

You may ask us to review, update, or correct personal information associated with you. You may also request information about certain sharing practices or opt out of promotional communications. Some financial information must be retained or shared for everyday business purposes, legal compliance, fraud prevention, credit reporting, account servicing, or other reasons permitted by law.

Privacy rights vary by state. If your state provides additional rights, such as access, correction, deletion, portability, or limits on certain uses of personal information, you may contact us using the information below. We may need to verify your identity before completing a privacy request.

Security and Retention

We use administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, misuse, loss, or alteration. These safeguards may include encryption, secure systems, access controls, monitoring, and vendor oversight. No website or data transmission can be guaranteed to be completely secure. We retain information for as long as reasonably needed for the purposes described in this notice, including account servicing, legal, regulatory, tax, audit, dispute-resolution, and security purposes.

Children's Privacy

Avio Credit services are intended for adults. We do not knowingly collect personal information from anyone under 18. If we learn that information from a minor has been provided to us, we will take reasonable steps to delete it unless retention is required by law.

Third-Party Websites

Our website may link to third-party websites or tools. Their privacy practices are governed by their own policies. Avio Credit is not responsible for the content, security, or privacy practices of third-party websites that we do not control.

Changes to This Notice

We may update this Privacy Notice and Policy from time to time. When we make changes, we will post the revised notice on this page. Your continued use of the website or services after an update means the revised notice applies going forward.

Contact Us

If you have questions about this Privacy Notice and Policy or want to submit a privacy request, please contact Avio Credit at [email protected] or by phone at 1-888-371-1059.