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This Privacy Policy was revised October 2020.

FACTS	WHAT DOES ZIIBI, LLC 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 that 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 Ziibi, LLC chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Ziibi, LLC 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 855-853-4392. Our menu will prompt you through your choices or Contact us via email at [email protected] 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 855-853-4392 or go to www.Ziibifinance.com

Who is providing this notice?	Ziibi, LLC d/b/a Ziibi Finance, a wholly owned subsidiary of LDF Holdings, LLC, a wholly owned subsidiary of the Lac du Flambeau Business Development Corporation, a wholly owned and operated economic arm and instrumentality of the Lac du Flambeau Band of Lake Superior Chippewa Indians, a federally recognized Indian tribe, is providing this privacy policy.
How does Ziibi, 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 Ziibi, 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 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.

Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include other business entities of the Lac du Flambeau Band of Lake Superior Chippewa Indians of Wisconsin.
Non-Affiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Non-Affiliates can include service providers, data processors, and advertisers.
Joint Marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. Ziibi, LLC does not engage in Joint Marketing.

IMPORTANT DISCLOSURES:
This is an expensive form of borrowing and it is not intended to be a long term financial solution. Please note: zFunds 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 might be used include 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. Late fees and non-sufficient funds/returned item fees may apply as described in your Loan Agreement. Our fees are disclosed in your loan agreement. 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.

* The typical application and verification process requires a phone call with our customer service team.As part of our information collection process, we may detect additional bank accounts under the ownership of the consumer. We will consider these additional accounts to be part of the application process.Ziibi, LLC reviews your information in real-time to determine whether your information meets our lending criteria. You acknowledge that by completing and submitting the website application that you are applying for a loan. We verify applicant information through national databases, and we may pull your credit in order to determine your eligibility and ability to repay.ZFunds does not lend to residents in AR, CT, DC, GA, IL, ME, MD, MA, MN, NM, NY, PA, VT, VA, WV, AND WI. Availability of installment loans are subject to change at any time at the sole discretion of Ziibi, LLC.
Ziibi, LLC dba zFunds is an instrumentality and limited liability company, which abides by the principles of federal consumer finance laws, as incorporated by the Lac Du Flambeau Band of Chippewa Indians Tribe of Wisconsin. Ziibi, LLC dba zFunds is a Native American owned business operating within the interior boundaries of the Lac Du Flambeau reservation, a sovereign nation located in the United States.
Loan applications fully verified and approved Monday-Thursday by 3:30 pm central time will be funded as soon as the next business day. Loan applications fully verified and approved Friday by 3:30 pm central time will be funded as soon as the following Monday so long as the Monday is not a bank holiday.

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