FACTS

WHAT DOES MIINAN FUNDS, LLC DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers 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 customers’ 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 MIINAN FUNDS chooses to share; and whether you can limit this sharing.

Reasons We Can Share Your Personal Information

Does Miinan Funds Share?

Can You Limit 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

Yes

No

For our affiliates' everyday business purposes – information about your transactions and experiences

Yes

No

For our affiliates' everyday business purposes – information and your creditworthiness

Yes

Yes

For our affiliates to market to you

Yes

Yes

For nonaffiliates to market to you

Yes

Yes

To limit our sharing

Call 1-800-274-1034 – our menu will prompt you through your choices or

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 1-800-274-1034 or go to www.laddercredit.com

Who we are

Who is providing this notice?

MIINAN FUNDS, LLC., a business entity of the Lac Courte Oreilles Bank of Lake Superior Chippewa Indians, is providing this privacy policy.

What we do

How does MIINAN FUNDS, LLC 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 MIINAN FUNDS, LLC 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 nonaffiliates 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 Lac Courte Oreilles Bank of Lake Superior Chippewa Indians.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • MIINAN FUNDS, LLC may share with nonaffiliates so they can market to you.

Joint marketing

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

  • MIINAN FUNDS, LLC may jointly market.
*Not everyone will be approved

The line of credit account is designed as a short-term cash flow solution and not designed as a solution for longer term financial problems. Additional Fees may accrue if the outstanding principal balance is not paid at the end of the cycle. Credit counseling services are available to consumers who are experiencing financial problems.