Privacy Policy

Phoenix Title Loans, L.L.C.
Effective Date: November 12, 2026

This Privacy Policy explains how Phoenix Title Loans, L.L.C. (“Phoenix Title Loans,” “we,” “us,” “our”) collects, uses, shares, and protects personal information. Part A is our federal Privacy Notice for consumers who apply for or obtain a loan. Part B describes our practices for our Website, online application, chat, calls, text messages, and email.

Part A — Federal Privacy Notice

Rev. November 2026

FACTS	WHAT DOES PHOENIX TITLE LOANS, L.L.C. 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. Federal law also requires us to tell 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 income payment history and employment information credit history and credit scores
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 reasons Phoenix Title Loans chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Phoenix Title Loans 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 don’t 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 nonaffiliates to market to you	No	We don’t share

To limit our sharing	Call (480) 499-4699 — our staff will help you with your choice(s) or Mail the form below 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 continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?	Call (480) 499-4699 or go to www.phoenixtitleloans.com

Mail-in Form
Mark any/all you want to limit:  Do not share information about my creditworthiness with your affiliates for their everyday business purposes.  Do not allow your affiliates to use my personal information to market to me.
Name		Mail to: Phoenix Title Loans, L.L.C. 6250 E Cheney Dr Paradise Valley, AZ 85253-3518
Address
City, State, Zip

Who we are
Who is providing this notice?	Phoenix Title Loans, L.L.C.
What we do
How does Phoenix Title Loans protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Phoenix Title Loans collect my personal information?	We collect your personal information, for example, when you apply for a loan or give us your income information provide employment information or show your driver’s license give us your contact information We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?	Federal law gives you 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 State laws and individual companies may give you additional rights to limit sharing.
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 financial companies under common ownership with Phoenix Title Loans, L.L.C., such as pawn lenders.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Phoenix Title Loans does not 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. Phoenix Title Loans doesn’t jointly market.

Part B — Website, Application, Chat, Calls, Texts, and Email

1. Scope

Part B applies to information we collect through our Website, online application, live chat, telephone calls, text messages, email, and our locations. If you apply for or obtain a loan, Part A also applies to you.

2. Information We Collect

• Information you give us online: name; email address; telephone numbers; home address; the state that issued your driver’s license; length of residence; marital status; employment status and employer name, title, address, and telephone number; monthly income and other income sources; requested loan amount; vehicle year, make, model, mileage, VIN, condition, title type, and lien or payoff information; vehicle photos; your typed name; and anything you send us by chat, text, or email.
• Information we collect at our locations: photo identification, Social Security number, date of birth, proof of income and residence, vehicle inspection results, your vehicle title, and payment information.
• Information from others: consumer reporting agencies, vehicle-valuation services, title and lien records, the Department of Defense Military Lending Act database, our affiliates, and the employers and other sources you list.
• Information collected automatically: IP address, approximate location based on IP address, device and browser type, pages viewed, referring website, and date and time of visits, collected through cookies, pixels, tags, and similar technologies.

We do not ask for your Social Security number on our Website.

3. How We Use Information

We use information to respond to your inquiries; review applications; verify your identity, income, vehicle, title, and military status; make and service loans; communicate with you; prevent fraud; maintain and improve the Website; market our own products and services; and comply with legal and regulatory obligations.

4. How We Share Information

We do not sell personal information. We share information only:

• with our affiliates, which are companies under common ownership with us, as described in Part A and subject to the choices described there;
• with service providers that perform services for us, such as website hosting, form processing, chat and messaging, payment processing, vehicle valuation, and identity verification, under contracts that require them to protect the information and use it only to provide services to us;
• with consumer reporting agencies, as described in your loan documents;
• with your employer or other sources you list, only as needed to verify your application;
• as required by law, such as in response to a subpoena or court order, or at the request of our regulators;
• to protect against fraud or to protect the rights, property, or safety of our customers, Phoenix Title Loans, or others; and
• in connection with a sale, merger, or transfer of our business or loan accounts.

5. Cookies, Analytics, and Advertising

Our Website uses cookies and similar technologies to operate the site, measure how it is used, and support our advertising. These include tag-management, analytics, and third-party advertising technologies, such as The Trade Desk, that may collect your IP address, device and browser identifiers, the pages you visit, and actions you take on our Website, and may use that information to measure our ads and show our ads on other websites. We do not sell personal information.

You can block or delete cookies in your browser settings, and you can limit interest-based advertising at optout.aboutads.info, at optout.networkadvertising.org, or through your device settings. Blocking cookies may affect some Website features. Our Website does not currently respond to browser “Do Not Track” signals.

Emails we send may contain pixels that tell us whether an email was opened. You can prevent this by turning off automatic image loading in your email program.

6. Calls and Text Messages

Our text messages are typed and sent individually by our staff, only to customers about their accounts and to people who text us first. We do not send automated or marketing text messages. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text-messaging originator opt-in data and consent will not be shared with any third parties, except service providers that operate our messaging systems for us. Reply STOP to opt out at any time. Message and data rates may apply.

7. Live Chat

Our Website chat is operated by service providers, including Front, that store and process chat messages for us under contracts requiring them to protect the information and use it only to provide services to us. We keep chat conversations as part of our business records. Chat tools may use cookies to keep your conversation connected. If you contact us through WhatsApp, WhatsApp also processes your messages under its own privacy policy. Please do not send your Social Security number or financial account numbers by chat.

8. Data Security

We maintain administrative, technical, and physical safeguards designed to protect customer information, and we require our service providers to do the same. No system is completely secure. If a security incident affects your personal information, we will notify you as required by law.

9. Retention

We keep personal information as long as needed to provide our services, meet Arizona and federal record-keeping requirements, resolve disputes, and enforce agreements. We then dispose of it securely.

10. Your Choices

• Affiliate sharing and affiliate marketing: see “To limit our sharing” in Part A. You may also make your choice at any Phoenix Title Loans location.
• Marketing: you may opt out of our marketing calls or emails at any time. Opting out does not affect your loan.
• Text messages: reply STOP at any time.
• Access and correction: you may ask to review or correct personal information we hold about you.

To make a request, call (480) 499-4699 or visit any location. We may need to verify your identity before responding.

11. Children

Our Website is not directed to children, and we do not knowingly collect personal information from anyone under 18.

12. Changes to This Policy

We may update this Privacy Policy by posting a revised version with a new Effective Date. If a change in our sharing practices requires a revised privacy notice, we will provide it as required by law before the change takes effect.

13. Contact Us

Phoenix Title Loans, L.L.C.
6250 E Cheney Dr, Paradise Valley, AZ 85253-3518
Phone: (480) 499-4699 · Text: (480) 422-1826
www.phoenixtitleloans.com