Mobile Privacy Policy2024-10-04T14:26:21-05:00

Mobile Privacy Policy

Helix Mobile Updates is a recurring text messaging program that provides you with customer care and promotional information about your personal installment loan status and options.

Following is information about how the program works and we handle your data in connection with this program.

Frequency

Messages are recurring and may be sent up to five times per month, depending on loan status.

Types

Messages will confirm your opt-in or opt-out from our text messaging program, or may include notifications about:

Return to complete your loan application
Transfer of your funds
Tips for managing your loan account through your online Client Portal
Confirmation when your loan is paid off
When you’re eligible to apply for additional funds
How to obtain a new payment plan if needed

The Information We Collect and How We Collect It

When you apply for a loan, we collect the phone number that you provided in your application. We ask for your consent to send text messages about your loan status and our products and services to the phone number provided during the application process. Consent to our text messaging program is not required to apply for a loan or to receive funding.

Information Sharing

Your phone number is never sold. In the event your account becomes delinquent, your phone number may be transferred to a third-party collection agency, but will not be used to send text messages.

How to Opt Out

You may opt out from our text messaging program at any time by responding STOP to any of our messages, after which you will not receive further messages. Additional details for opting out from our messages can be found in our SMS Terms of Service.

Help

If you need assistance, you can reply HELP to any of our messages. You also can contact us anytime at info@helixfi.com or call 800.619.5309, 8am – 6pm (Central Time), Monday-Friday.

RESOURCES

IMPORTANT DISCLOSURES

This is an expensive form of borrowing and it is not intended to be a long term financial solution. Please note: Helix by TBO Bank 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 do not make a payment on time, we will attempt to contact you via one or more authorized methods. We adhere to the principles of the federal Fair Debt Collection Practices Act (FDCPA). Because we may report your payment history to one or more credit bureaus, late or non-payment of your loan may negatively impact your credit rating. 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. We will consider these additional accounts to be part of the application process. TBO Bank reviews your information in real-time to determine whether your information meets its 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.

Availability of loans are subject to change at any time at the sole discretion of TBO Bank.

Helix by TBO Bank is a brand of TBO Bank. Loans are issued and serviced by TBO Bank.

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