Terms & Conditions
Privacy Policy
CCPA
Credit Report &
Information Consent

Terms & Conditions

Welcome to Sbear dba Sbear Financial website of (“Company”, “we” or “us”).  We provide the Company website www.sbearfinancial.com, including the MyAccount portal (the “Website”) as a service to you.  By using the Website provided us, you agree to these Terms of Use. You should read these Terms of Use carefully and print them for future reference.

Acceptance of the Terms & Conditions

The following terms and conditions, together with any documents they expressly incorporate by reference (collectively, these “Terms & Conditions”), govern your access to and use of, including any content, functionality and services offered on or through the Website.

Please read the Terms & Conditions carefully before you start to use the Website. By using the Website or by clicking to accept or agree to the Terms & Conditions when this option is made available to you, you accept and agree to be bound and abide by these Terms & Conditions and our Privacy Policy, incorporated herein by reference. If you do not want to agree to these Terms & Conditions or the Privacy Policy, you must not access or use the Website. This Website is offered and available to users who are 18 years of age or older. By using this Website, you represent and warrant that you are of legal age to form a binding contract with the Company and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website.

Modification of Website and Changes to the Terms & Conditions

We reserve the right to withdraw or amend this Website, and any service or material we provide on the Website, in our sole discretion without notice.  We may change the contents, operation, or any and all other features of the Website, including MyAccount, at any time for any reason, without notice. We may discontinue or restrict your use of the Website at any time for any reason, without notice.  We reserve the right, in our sole discretion, without any obligation and without any notice requirement, to change, improve or correct the information, materials and descriptions on this Website and to suspend and/or deny access to this Website for scheduled or unscheduled maintenance, upgrades, improvements or corrections. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users. You are responsible for making all arrangements necessary for you to have access to the Website and ensuring that all persons who access the Website through your internet connection are aware of these Terms & Conditions and comply with them.

We may revise and update these Terms & Conditions from time to time in our sole discretion. Any revisions will be posted at least 10 days prior to its effective date and changes will apply to all access to and use of the Website thereafter. If you find the Terms & Conditions unacceptable at any time, you may discontinue your use of the Website. By continuing to use the Website after the date of any change to these Terms & Conditions, including accessing MyAccount, you agree to be bound by the rules contained in the most recent version of these Terms & Conditions. You should check this page from time to time so you are aware of any changes, as they are binding on you.  Should any changes occur to these Terms & Conditions in the future, you will be able to determine this by referring to the version date at the bottom of these Terms & Conditions.  If you do not agree to these Terms & Conditions, please do not use this Website.

Accessing the Website and Security

To access the Website or some of the resources it offers, you may be asked to provide certain registration details or other information and create a user account on the Website.  You must provide for your own access to the Internet and pay any telephone service, communication, use, access and connection fees associated with such general internet access.  It is a condition of your use of the Website that all the information you provide on the Website is correct, current and complete, and you agree to maintain and update your registration information, if any, as soon as possible as it changes. You agree that all information you provide to register with this Website or otherwise, including but not limited to through the use of any interactive features on the Website, is governed by our Privacy Policy.

If you choose, or are provided with, a user name, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account, if any, is personal to you and agree not to provide any other person with access to this Website or portions of it using your user name, password or other security information. You agree to notify us immediately at help@sbearfinancial.com of any unauthorized access to or use of your information, user name or password or any other breach of security. You also agree to ensure that you logout from your account, if any, at the end of each session. You should use particular caution when accessing your account, if any, from a public or shared computer so that others are not able to view or record your password or other personal information.

We have the right to disable any user account, user name, password or other identifier, whether chosen by you or provided by us, at any time if, in our opinion, you have violated any provision of these Terms & Conditions.

Payments

You will not pay any service charges or fees to view the Website. If we ever change this policy, you will be notified in advance and allowed to discontinue your service.  If you use the MyAccount portal to make payments, for certain forms of payment, we or a third-party vendor used to process a payment may charge a processing fee, which will be specified.  Payments made to your account before 5:00 PM Pacific Time will be posted to your account the same day. Payments made after 5:00 PM Pacific Time, on weekends, or holidays will be posted to your account the following business day. All payments made will reflect on your payment history within 2 business days after posting.  Any scheduled transactions can be canceled 24 hours prior to the payment date by calling our Customer Service Department at (707) 702-0981.

Privacy Please review our Privacy Policy to understand our privacy practices.   All information we collect on this Website is subject to our Privacy Policy.  By using the Website, you signify your assent to both these Terms & Conditions and our Privacy Policy, the terms and conditions of which are incorporated herein and made a part of these Terms & Conditions.

Online Bill Payment Services

SBEAR provides its customers with two electronic bill payment options:(1) an autopay service that you can use to schedule recurring payments(“Autopay”); and (2) a payment service that you can use to make one-time payments.To utilize either of these electronic payment options, you will need to provide your SBEAR Account number, name, email address and certain banking information. Details of each electronic payment option are provided below.

A. Autopay

SBEAR customers may elect to use Autopay to schedule recurring payments.The following terms and conditions apply to the Autopay service. You understand that participation in the Autopay service is subject to SBEAR approval. You may enroll in Autopay through the Site or by verbal agreement with electronic signature.

By enrolling in Autopay, you are authorizing SBEAR to treat your electronic signature as evidence of your consent to initiate recurring electronic payment transactions from your designated bank account (“Designated Account”). You are also authorizing SBEAR to initiate debit entries to your Designated Account, at the financial institution you have indicated, using the Automated Clearing House (“ACH”) or other payment transfer service chosen by SBEAR from time to time. You acknowledge that the origination of ACH transactions to your Designated Account must comply with the provisions of U.S. law. You understand that this authorization will remain in full force and effect until SBEAR has received notification from you of its termination in such time and in such manner as to afford SBEAR and your designated financial institution a reasonable opportunity to act on it.

1. Autopay Options. Each month, you authorize SBEAR to automatically charge your Designated Account for one of the following choices:

Minimum Amount Due (‘Min Due’) – When this amount is selected, SBEAR will draft the ‘Minimum Payment Due’ reflected on your periodic billing statement. Any payments made through other approved methods will not affect theAutopay amount to be drafted.If you wish to skip any month’s draft, you must cancel your Autopay enrollment via the Site prior to the processing date. The ‘MinimumPayment Due’ on your billing statement reflects the current billing cycle minimum amount due plus any past due amounts. 

Minimum Amount Due + $$ Amount (‘Min Due +’) – When this amount is selected, SBEAR will draft the ‘Minimum Payment Due’ reflected on your periodic billing statement plus the dollar amount you designate. Any payments made through other approved methods will not affect the Autopay amount to be drafted. If you wish to skip a month’s draft, you must cancel your Autopay enrollment via the Site prior to the processing date.

Full Statement Balance (‘Balance’) – When this amount is selected, SBEAR will draft the ‘New Balance’ amount reflected on your periodic billing statement, less any payments or credits posted to your Account since the date of your billing statement. For example, if your last statement balance is $500, and you make a payment of $100 prior to your due date, SBEAR will draft the remaining $400 on your due date.

If your due date falls on a Sunday, legal holiday or other day that we are not open for business, we will process your payment on the next available business day. However, the payment will be credited to your Account as if it had been processed and posted on the due date. All payments are subject to further verification.

For any automatic payment option above that you have selected, SBEAR will not debit your Designated Account by an amount that will cause your Account to have a credit balance.You authorize SBEAR to reduce the amount of the debit previously disclosed to you on your billing statement so that the amount debited does not exceed the Account balance as of the time we begin processing your payment.

2. Termination and Unenrollment.

If funds are not fully available at any time during your participation in Autopay, or your Account is otherwise not in good standing, we reserve the right to terminate your participation therein. If a payment is rejected, refused, returned, disputed, or reversed by your financial institution for any reason, then SBEAR has the right to charge a returned item fee. In addition, if there are multiple occurrences of returned payments, SBEAR may terminate your participation in Autopay. SBEAR also reserves the right to terminate your participation in Autopay at anytime, as authorized by applicable law. If your participation in Autopay is terminated by us for any reason, you will receive a notification that your Account has been unenrolled. If your Account is closed and there is an outstanding balance on the Account, SBEAR will continue to automatically debit your Designated Account unless you unenroll from Autopay.

3. Financial Institution Rules.

You agree to be bound by any rules your financial institution requires for pre-authorized electronic funds transfers. You are responsible for all fees charged by your financial institution associated with your Designated Account.

4. Monthly Statement and Billing Errors.

If you consent to receive paperless statements, SBEAR will make your monthly statement available to you online through the Site. You agree to review each monthly statement you receive and give SBEAR notice of any errors or disputed charges at least 3 days prior to your statement due date. If a billing error occurs due to a transaction you dispute on your monthly billing statement, SBEAR is responsible for correcting it if and when you notify us of the error, subject to the terms of your Credit Agreement. Unless you notify us of a billing error at least 3 days in advance of your scheduled payment due date, we will draft the scheduled Autopay debit amount reflected on your periodic billing statement. SBEAR is not liable for erroneous periodic billing statements, incorrect debits or charges, or for any delay in the actual date on which your Designated Account is debited.

5. Changes to Account.

You must no notify us if (a) any information changes regarding your Designated Account, or (b) if you wish to change the account or financial institution from which your payment is debited, or (c) if you wish to stop a payment or discontinue your participation in the program. All changes to information regarding your Designated Account may be made by logging in to the Site. If you do not update your Designated Account and SBEAR is unable to charge the Designated Account, you may be subject to applicable late fees, returned item charges and any fees or charges assessed by your financial institution.

6. Stop Payment.

You may cancel or edit any Autopay debit by signing in to your user profile on the Site, and following the Edit or Cancel links on the Autopay page, or by contacting a SbearCustomer Service representative at the appropriate toll-free number listed below.

(844) 500-2033 – Sbear Customer Service 

You will not incur a charge for canceling or editing an Autopay debit prior to being processed by us. You understand and agree that once we have begun processing a payment it cannot be cancelled or edited by us. SBEAR must receive your request to cancel or edit an upcoming automatic debit at least three (3) business days before the scheduled debit date as set within your Account.

B. Bill Payment Service

In addition to Autopay, SBEAR may permit you to make one-time payments of your bill through the Site Portal if you comply with the following terms:

•      By clicking “Submit” for such a one-time payment you authorize SBEAR or its service providers to charge your bank account, based on upon the information you provided, the amount you have elected

•       Clicking “Submit”for this service provides your electronic signature for the authorization.

•       Same day payments can be scheduled online until 5:00 PM PST

•       Payments will generally withdraw from your bank account within 2 business days.

•      A late fee may be applied to your SBEAR account if you schedule a payment to credit to your SBEAR account after your due date.

•      If a charge to your bank account is declined including for insufficient funds, we may re-submit the charge up to the number of times permitted by network rules, and we also reserve the right to undertake further collection action, including imposing costs and fees to the extent permitted by law. If a charge is declined by your bank you remain responsible for making the payment.

Intellectual Property Rights

The Website and its entire contents, features and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof), are owned by the Company, its licensors or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.

These Terms & Conditions permit you to use the Website for your personal, non-commercial use only. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit any of the material on our Website, except as follows:

* Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.

* You may store files that are automatically cached by your Web browser for display enhancement purposes.

* You may print or download one copy of a reasonable number of pages of the Website for your own personal, non-commercial use and not for further reproduction, publication or distribution.  By downloading, copying and printing content for non-commercial use, you do not obtain any right, title or interest.

* If we provide desktop, mobile or other applications for download, you may download a single copy to your computer or mobile device solely for your own personal, non-commercial use, provided you agree to be bound by our end user license agreement for such applications.

You must not modify copies of any materials from this site; use any illustrations, photographs, video or audio sequences or any graphics separately from the accompanying text; and delete or alter any copyright, trademark or other proprietary rights notices from copies of materials from this site. You may not, without Company’s express written permission, ‘frame’ or ‘mirror’ any material contained on this Website or any other Company server.   You must not access or use for any commercial purposes any part of the Website or any services or materials available through the Website.

If you print, copy, modify, download or otherwise use or provide any other person with access to any part of the Website in breach of the Terms & Conditions, your right to use the Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title or interest in or to the Website or any content on the Website is transferred to you, and all rights not expressly granted are reserved by the Company. Any use of the Website not expressly permitted by these Terms & Conditions is a breach of these Terms & Conditions and may violate copyright, trademark and other laws.

Trademarks

The Company name, the Company logo and all related names, logos, product and service names, designs and slogans are trademarks of the Company or its affiliates or licensors, and are protected from reproduction, imitation, dilution, or confusing or misleading uses under national and international trademark and copyright laws. You must not use such marks without the prior written permission of the Company. All other names, logos, product and service names, designs and slogans on this Website are the trademarks of their respective owners.  Nothing contained on this

Website grants or should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademarks, trade names, service marks or logos displayed on this Website.

Prohibited Uses

You may use the Website only in accordance with these Terms & Conditions. You agree not to use the Website in any way that violates any applicable federal, state, local or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries); to transmit, or procure the sending of, any advertising or promotional material without our prior written consent, including any “junk mail”, “chain letter” or “spam” or any other similar solicitation; to impersonate or attempt to impersonate the Company, a Company employee, another user or any other person or entity (including, without limitation, by using email addresses associated with any of the foregoing); and to engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Website, or which, as determined by us, may harm the Company or users of the Website or expose them to liability.

Additionally, you agree not to use the Website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the Website, including their ability to engage in real time activities through the Website; use any robot, spider or other automatic device, process or means to access the Website for any purpose, including monitoring or copying any of the material on the Website; use any manual process to monitor or copy any of the material on the Website or for any other unauthorized purpose without our prior written consent; use any device, software or routine that interferes with the proper working of the Website; introduce any viruses, trojan horses, worms, logic bombs or other material which is malicious or technologically harmful; attempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer or database connected to the Website; attack the Website via a denial-of-service attack or a distributed denial-of-service attack; and otherwise attempt to interfere with the proper working of the Website. Should you use this Website to commit a criminal offense, we may disclose information about the user, including the user’s identity and other personal information, to law enforcement authorities and immediately suspend or terminate the user’s right to use the site.

Reliance on Information Posted

The information presented on or through the Website is made available solely for general information purposes. We do not warrant the accuracy, completeness or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.

This Website may include content provided by third parties, including materials provided by other users, bloggers and third-party licensors, syndicators, aggregators and/or reporting services. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by the Company, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of the Company. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.

User Responsibilities

You agree to comply with all applicable law in connection with your use of the Website, and such further limitations as may be set forth in any written or on-screen notice from Company. As a condition of your use of the Website, you warrant that you will not use the Website for any purpose that is unlawful or prohibited by these Terms & Conditions.

You agree and understand that you are responsible for maintaining the confidentiality of passwords associated with any account you use to access the Website.  Accordingly, you agree that you will be solely responsible to Company for all activities that occur under your account.  If you become aware of any unauthorized use of your password or of your account, you agree to notify Company immediately at help@sbearfinancial.com.

By using this Website, you agree not to violate or attempt to violate the security of the Website, including, without limitation, actions such as: (i) accessing data not intended for you or logging into a server or account that you are not authorized to access; (ii) attempting to probe, scan, or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization; (iii) attempting to interfere with service to any user, host, or network, including, without limitation, by way of submitting a virus to or overloading, “flooding,” or “spamming,” the Website; (iv) sending unsolicited email, including promotions and/or advertising of products or services; or (v) using any data mining, robots, spiders or similar data gathering and extraction tools.

Links from the Website

If the Website contains links to or accepts links from other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third party websites linked to this Website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.  To the extent that this Website contains links to outside services and resources, the availability and content of which Company does not control, any concerns regarding any such service or resource or any link thereto, should be directed to the particular outside service or resource.

Geographic Restrictions

The owner of the Website is based in the state of California in the United States. We provide this Website for use only by persons located in the United States. We make no claims that the Website or any of its content is accessible or appropriate outside of the United States. Access to the Website may not be legal by certain persons or in certain countries. If you access the Website from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.  Unless otherwise explicitly stated, all marketing or promotional materials found on this Website are solely directed to individuals, companies or other entities located in the U.S.

Disclaimer of Warranties

You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.

YOUR USE OF THE WEBSITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER THE COMPANY NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ANYONE ASSOCIATED WITH THE COMPANY REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

THE COMPANY HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR PARTICULAR PURPOSE.

THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Limitation of Liability

IN NO EVENT WILL THE COMPANY, ITS AFFILIATES OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, MYACCOUNT, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE.

THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Indemnification

You agree to defend, indemnify and hold harmless the Company, its affiliates, licensors and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys’ fees) arising out of or relating to your use of the Website or your violation of these Terms & Conditions, including, but not limited to, any use of the Website’s content, services and products other than as expressly authorized in these Terms & Conditions or your use of any information obtained from the Website.

Governing Law and Jurisdiction

All matters relating to the Website and these Terms & Conditions and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the laws of the State of California without giving effect to any choice or conflict of law provision or rule (whether of the State of California or any other jurisdiction).

Any legal suit, action or proceeding arising out of, or related to, these Terms & Conditions or the Website shall be instituted exclusively in the federal courts of the United States or the courts of the State of California sitting in Los Angeles County, California. You waive, to the fullest extent you may do so,  any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts, including the defense of inconvenient forum to the maintenance of any such action or proceeding.

Waiver and Severability

No waiver of by the Company of any term or condition set forth in these Terms & Conditions shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under these Terms & Conditions shall not constitute a waiver of such right or provision.

If any provision of these Terms & Conditions is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms & Conditions will continue in full force and effect.

Assignment

This Agreement, and any rights and licenses granted hereunder, may not be assigned, transferred, delegated, and sublicensed by you, but may be assigned, transferred, delegated, and sublicensed by Company without any restriction.

Entire Agreement

The Terms & Conditions and our Privacy Policy constitute the sole and entire agreement between you and Sbear with respect to the Website and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the Website.

Your Comments and Concerns

This website is operated by Sbear Inc., 6476 Van Nuys Boulevard, Van Nuys, CA 91401.

If you have any questions about these Terms & Conditions or the Website, or have any other feedback, comments, requests for technical support and other communications relating to the Website, we invite you to contact us by email at help@sbearfinancial.com.

Thank you for visiting the Website.

Privacy Policy

Effective March 2022

Sbear Inc. dba Sbear Financial and its affiliates (companies we own or control, or with which we are under common control, collectively, “Sbear,” “we,” or “us”) are committed to respecting the individual rights of consumers. This Privacy Policy describes our privacy and security practices regarding information we receive from and about you during your visit(s) to Sbear websites. This information depends on how you use Sbear websites. Please review this page to understand how your personal information is used and how we protect that information.

If you are a Sbear customer or otherwise provide personal information to us in connection with our financial services, please also review our Privacy Notice.

General Website Usage

You can visit our website to read product, investment, and company information or use our online tools without revealing any personal information. The only information we collect and store during general website usage is your Internet service provider, the website you last visited, the pages you requested and the date and time of those requests, and the number of visits you made to our website.

We use this information to measure website activity and improve the customer experience on our website. For example, we may use information such as your Internet Protocol address, browser type, and display/screen settings to aggregate the data to help improve your future experience with our website. In accordance with our Privacy Notice, this information may be shared with third parties to provide related services or to analyze, store, or aggregate the information. It may also be shared with other third parties working with us to improve our services and/or website. During general website usage, we do not collect or store personally identifiable information such as your name, mailing address, email address, phone number, or Social Security number.

Our website may link to third-party websites not controlled by us. We recommend that you review the privacy policy of any website before providing personally identifiable information.

Information We Obtain from You About You

In addition to information gathered through your general website usage, we may also collect the following information from you that you submit or provide to us through online services, such as MyAccount, indirect auto purchase pre-qualification credit decisions from third-party websites (e.g., CarGurus.com or Autotrader.com), or in faxes, telephone calls, emails, or other correspondence sent to us by you. We may also collect information that you provide when you apply for a loan, or from social media handles, content, or other data provided through third-party features or posted on social media pages. The types of personal information we may obtain directly from you include:

  • Identifiers, such as name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number or other similar identifiers, bank account number, credit card number, debit card number, or any other financial information;
  • Commercial Information, such as records of personal property, products, or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies;
  • Professional Information, such as current or past job history and income;
  • Demographics, such as age, race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, sexual orientation, veteran or military status, genetic information (including familial genetic information);
  • Records of your interactions, such as phone calls, text messages, emails, or other communications with our Customer Service and call center representatives, or any employee of Sbear;
  • Internet or other electronic activities, as discussed in greater detail above under “General Website Usage”;
  • Preferences, such as communication preferences (e.g., electronic communication versus receiving hard copies of documents).

Information We Obtain from Third-Party Sources About You

At times, given the relationship between you and Sbear, it may be necessary to obtain information about you from third-party sources, such as credit reporting agencies (e.g., Equifax, TransUnion, Experian), vehicle history services, state motor vehicle departments, and insurance companies. The categories of information we obtain from such third-party sources include identifiers, financial or insurance information, demographics, commercial information, online activities, geolocation data, professional and education information, and preferences.

How the Collected Information Is Used

We may use information collected from you or third-party sources to:

  • Personalize and optimize your website browsing experiences by examining which parts of our website you visit;
  • Operate our websites, including debugging and product improvement;
  • Process and respond to your requests and inquiries in connection with our products and services;
  • Enter into and finalize our transactions with you for products and services;
  • Provide customer service and/or technical support;
  • Allow us to create, manage, and administer your MyAccount service; and
  • Protect against, identify, and prevent criminal activities such as fraud.

Cookies and Tracking Pixels

Cookies are text data stored by your browser when you visit a cookie-enabled website. As you browse the Web, websites may send cookies to your browser. Your browser settings probably control whether it accepts or rejects cookies and notifies you when a cookie is sent to you.

If your browser is set to reject cookies, cookie-enabled websites will not recognize you when you return. This provides you with anonymity, but makes it more difficult to offer you customized services. It may also be less secure than using cookies, because your data must be sent to the website each time you view a page. Accepting cookies means your private data remains on the website’s server, and the only information transmitted over the Internet is your identifying cookie.

If your browser is set to accept cookies, those sent to your browser are stored in your computer. There are different types of cookies. A “session” cookie is stored only in your computer’s working memory and only lasts for your browsing session. When you close all of your browser windows or shut down your computer, the session cookie disappears forever. A “permanent” cookie is stored on your computer’s hard drive until a specified date, which could be tomorrow, next week, or 10 years from now. Permanent cookies stay on your computer until they expire, are overwritten with newer cookies, or are manually removed.

We use permanent cookies to supply visitors to our website with a customized experience. These cookies do not involve personally identifiable information. We also use session cookies to customize your experience during a session, to aid your navigation and use of the website, to develop generic website metrics, and other similar uses.

Our Internet Services

To use our Internet services, such as MyAccount or Electronic Funds Transfer or Enrollment, we require certain personally identifying information (e.g., name, Social Security number, account number, and other applicable information) to verify that you are a Sbear customer. We use this information to identify and access data in our existing relationship and provide you with the requested services. We commonly request email addresses as an alternate means of contacting you. Providing your email address is optional unless you request an Internet-delivered service, where it is necessary to have your email address to honor your request. We may also use this information to know you better and improve our services.

Emails Containing Personal Information

Internet users may send us personally identifying information via email containing information about your Sbear account. We will use this information to identify the user as a Sbear customer, determine how to respond, better understand you and your customer needs, and improve our services.

Sharing Your Information

We may share information obtained about you with both affiliated and non-affiliated companies. This includes:

  • Sharing your payment and transaction history with non-affiliated third parties like credit reporting agencies;
  • Sharing information with any successor to all or part of our business, including the right to transfer information we have about you in the event we sell or transfer all or a portion of our business or assets;
  • Sharing information with non-affiliated third parties to complete a transaction you requested (for example, to complete a payment you are requesting to be made);
  • Sharing information with third parties that perform services on our behalf (for example, sending text or email messages to customers for us);
  • Sharing information with various government agencies (such as state motor vehicle departments and insurance or finance companies); and
  • Sharing information that may be required by government agency, law, or court order.

The types of information we may share with affiliated and non-affiliated third parties include identifiers, commercial information, online activities, professional information, records of your interaction, internet or other electronic activities, demographics, and preferences.

Questions?

Our privacy practices are designed to provide a high level of protection for your personal information. If you have any questions or comments about our privacy practices, contact us via email at help@sbearfinancial.com or phone at (844) 500-2033.

Changes

We reserve the right to change, modify, or adjust our Privacy Policy. A revised policy only applies to data collected after its effective date. Any revisions will be posted at least ten (10) days prior to its effective date.

California Residents

For California residents, we provide additional information in compliance with the California Consumer Privacy Act (“CCPA”) and other California privacy laws. Any terms defined in the CCPA have the same meaning when used herein. Please review our Privacy Statement for California Residents by clicking here.
Subject to certain exceptions, the CCPA provides California consumers with the rights to know what personal information businesses collect about them and why, to request deletion of that personal information, and to prohibit a business from selling that information. To restrict the sharing of personal and financial information with our affiliates and outside companies with which we do business, please click here for our Privacy Notice and follow the instructions therein.

Alternatively, to exercise your rights under the CCPA, please submit a verifiable consumer request to us by:

  • Visiting our website and completing the CCPA Request Form, available here;
  • Filling out the form at the bottom of our California Privacy Notice, available here, and following the instructions therein; or
  • Calling Sbear Financial, toll-free, as follows:
    (844) 500-2033    ;

Only you or your authorized agent may make a request related to your personal information. An authorized agent may be a person or a business entity registered with the California Secretary of State to act on your behalf. We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to act on another’s behalf. Making a request does not require you to create an account with us, and we will only use personal information provided in such a request to verify the requestor’s identity or authority to make the request.

Personal information under the CCPA does not include any information covered by the Gramm-Leach-Bliley Act (“GLBA”). If you are a current or former customer, the data collected relating to your account is covered by the GLBA. Our GLBA privacy notice discusses what we do with your information and for information on opting out of information sharing.

PRIVACY POLICY FOR CALIFORNIA RESIDENTS

This PRIVACY STATEMENT FOR CALIFORNIA RESIDENTS (“California Privacy Statement”) supplements the information contained in the Privacy Notice of Sbear Inc. and its subsidiaries (collectively, “we,” “us,” or “our”). This California Privacy Statement applies solely to visitors, users, and others who reside in the State of California (“consumers” or “you”). We adopt this California Privacy Statement to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and other California privacy laws. Any terms defined in the CCPA have the same meaning when used in this California Privacy Statement.

Personal information under the CCPA does not include any information covered by the Gramm-Leach-Bliley Act (“GLBA”). If you are a current or former customer, the data collected relating to your account is covered by the GLBA.

Please review our GLBA privacy policies using the links below to learn what we do with your information and for information on opting out of information sharing.

Please view our privacy notice here.

California residents only: Please view our privacy notice here.

Exercising your rights under the CCPA

To exercise any rights under the CCPA, please submit a verifiable consumer request to us by filling out the form on this page.

Only you or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

CREDIT REPORT & INFORMATION CONSENT

Credit Report

You acknowledge that you have requested your rates for a loan from Sbear. For up to 12 months following your initial request, you authorize Sbear dba Sbear Financial to obtain your consumer report and related information about you from one or more consumer reporting agencies. We may use your consumer report for any legal purpose, including authenticating your identity, making decisions related to your loan, sending you invitations to apply, making follow-up Sbear loan offers, and servicing or collecting any Sbear loan you receive.

Identity Verification

Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account to help the government fight the funding of terrorism and money laundering activities. As a result, under our customer identification program, we must ask for your name, street address, mailing address, date of birth, and other information that will allow us to identify you.

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You authorize us to verify any information in your online application through third-party databases or by contacting third parties, including your college and prior employers. Further, you acknowledge we may also ask to see your driver’s license, passport, or other identifying or supporting documents at any time.

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Please note that we may terminate consideration of or decline your application at any time for any reason. If we elect to do this, we will send you a notice at the email address you registered with on the Sbear website.

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For New York, Rhode Island, and Vermont Residents: A consumer report may be obtained from a consumer-reporting agency in connection with your application. Upon your request, (i) you will be informed whether or not we obtained consumer reports, and (ii) if we did obtain them, we will inform you of the names and addresses of the credit reporting agencies that furnished the reports. A consumer report may also be requested or used for any renewals or extensions, reviews or collection actions, or other legitimate purposes associated with any loan we may grant you.