VLN, Inc. Privacy Policy




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.


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
  • Account balances and transaction history
  • Credit history and payment history


All financial companies need to share customers’ personal information to run their everyday business. In this section below, we list the reasons financial companies can share their customer’s personal information; the reasons VLN chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does VLN Share? Can you limit this sharing?
For our every day business purposes - such as to process 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 purposes - information about your transactions and experiences Yes No
For our affiliates' everyday 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 1-877-655-9170

Or, complete the PDF version of the form which can be found at the bottom of this notice and return it to us at:

Attn: Customer Service
3101 Technology Dr.
Edmond, OK 73013

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.

To limit direct marketing contact

Call 1-877-655-9170

Please Note: Direct marketing is email, postal mail and telephone marketing. Your telephone and postal mail opt-out choices will last for five years, subject to applicable law. Even if you limit direct marking, we may still contact you to service your account or as otherwise allowed by law.


Call toll free 1-877-655-9170

Who we are

Who is providing this notice?

The VLN family of companies. A list of its U.S. consumer financial companies is located at the end of this document.

What we do

How does VLN 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. We authorize our employees to get your information only when they need it to their work, and we require companies that work for us to protect your information.

How does VLN collect my personal information?

We collect your personal information, for example, when you
  • Open an account or make deposits or withdrawals from your account
  • Pay your bills or apply for a loan
  • Use your credit or debit card
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 non affiliates to market to you
  • State laws and individual companies may give you additional rights to limit sharing.
See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.



Companies related by common ownership or control. They can be financial and non financial companies.

Our affiliates include companies with a VLN name and financial companies such as Adfitech, Inc., VLN Management, LLC., VLN Partners, LP and Secured Income Partners


Companies not related by common ownership or control. They can be financial and non financial companies.
  • Financial service providers, such as mortgage bankers, securities broker-dealers and insurance agents&/or agencies.
  • Non-Financial companies, such as retailers, direct marketers, membership clubs and publishers; and other companies and organizations, such as non-profit organizations.

Joint marketing

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

Our joint marketing partners include financial services and insurance companies.

Other important information

Do Not Call Policy - This notice is the VLN Do No Call Policy under the Telephone Consumer Protection Act.
We do not solicit via telephone numbers listed on the state or federal Do Not Call lists, unless the law allows. VLN associates receive training on how to document and process telephone marketing choices. Consumers who ask not to receive telephone solicitations from VLN will be placed on the VLN Do Not Call list and will not be called in any future campaigns, including those of VLN affiliates. If you communicate with us by telephone, we may monitor or record the call.

For Nevada residents only - We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call list by following the directions in the To Limit direct marketing contact section. Nevada law requires we provide the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Street, Suite 3900, Las Vegas, NV 89101; Phone number 702-486-3132; email BCPINFO@ag.state.nv.us

For California residents only - If you live in California, you will receive a different notice that reflects your rights under California and federal law.
Click here to view the California Privacy Notice

For Residents of Alaska, Connecticut, Florida, Illinois and North Dakota – These are “opt-in” states regarding privacy.
Click here to view the Opt-In Notice

For Vermont Residents Only — If you live in Vermont, we will not share your personal information with nonaffiliates, except for our everyday business and marketing purposes. Also, we will not share information about your creditworthiness with affiliates unless you agree to such sharing. Vermont residents do not have to contact us to implement these limits on our sharing. We may share information about your transactions and experiences with affiliates for their everyday business purposes and to market to you, but you can stop them from using the information in marketing by checking the box marked “Do not allow your affiliates to use my personal information to market to me,” on the Mail-in Form above.