Privacy Policy

Last updated: August 17, 2026

This Privacy Policy explains how SET Financial Corporation (“SET,” “we,” “us”) collects, uses, and shares information when you visit setfinancial.com, apply for a loan, or use your online account. For details about how we handle nonpublic personal financial information under the Gramm-Leach-Bliley Act, see our GLBA Privacy Notice. For our text-message program, see our Mobile Terms and Conditions.

Information we collect

  • Application and account information you provide: name, address, date of birth, Social Security number, income and employment, bank account details, and mobile phone number.
  • Verification information: credit and identity data obtained to process and service your loan.
  • Website and device information: IP address, browser type, pages viewed, referring URL, and similar data collected through cookies and comparable technologies.

How we use information

We use information to evaluate and process loan applications, service and collect loans, verify identity, prevent fraud, comply with law, operate and improve our website, and communicate with you about your application and account.

How we share information

We share information only as needed to provide our services and as permitted by law — for example, with service providers who work on our behalf (such as identity verification, payment processing, and messaging vendors) under contracts that restrict their use of the information, and with credit bureaus, regulators, and other parties as required or permitted by law and described in our GLBA Privacy Notice. We do not sell your personal information.

Mobile information and text messaging

No mobile information — including your phone number and your SMS opt-in and consent — will be shared with or sold to third parties or affiliates for marketing or promotional purposes. Text-messaging originator opt-in data and consent are not shared with any third parties. The categories of information we may share with service providers to operate our services exclude text-messaging originator opt-in data and consent.

If you opt in to our text-message program, we use your mobile number only to send the account and payment servicing messages described in our Mobile Terms and Conditions. Consent to receive text messages is not a condition of any loan or of loan approval. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help at any time.

Your choices

You may opt out of text messages at any time by replying STOP. You may opt out of marketing email using the unsubscribe link in any marketing message. You can manage cookies through your browser settings.

Data security

We maintain administrative, technical, and physical safeguards designed to protect your information. No method of transmission or storage is completely secure, and you should not send confidential information by text message.

Children’s privacy

Our website and services are intended for U.S. residents age 18 or older and are not directed to children.

Changes to this Policy

We may update this Privacy Policy from time to time. We will post the revised version on this page with a new “Last updated” date.

Contact us

SET Financial Corporation, 5540 Centerview Dr Ste 204 PMB 712445, Raleigh, NC 27606 · compliance@setfinancial.com · toll-free 800-803-2510 · NMLS #1952099.