Overview

In today's environment, where people are subjected to marketing calls, junk mail, and spam and are very concerned about fraud and identity theft, we recognize the seriousness of our responsibility to help maintain the privacy and security of your personal information. As a result, we have adopted privacy and security practices that go beyond minimum legal requirements in order to give you greater comfort. We invite you to compare what we do with any other lender that you are presently using or considering.

Recognize and prevent scams
We take your security seriously. Protect yourself from fraudsters who reach out to you pretending to be LightStream. Always confirm the caller is from LightStream before sharing personal information.

• After you submit an application at LightStream.com or on the LightStream Mobile App, we may contact you to verify your identity and some of the information you provided in your application.
• LightStream will only call you directly if there are questions about an application you’ve submitted.
• LightStream will not contact you to ask for or confirm your personal information until after you have submitted your loan application.
• LightStream does not conduct telemarketing outreach.
• If someone calls you and tells you that you have been approved for a loan that you did not apply for, it is not LightStream.
• LightStream does not charge any fees and will never ask you to send funds before signing your loan agreement. The only money you are required to send us is your regular monthly payment after taking out a loan from us.

We are a Norton Secure Site:

For Nevada residents only, Nevada law requires that we also provide you with the following contact information:

Bureau of Consumer Protection, Office of the Nevada Attorney General
555 E. Washington St., Suite 3900
Las Vegas, NV 89101
Phone: 702.486.3132
Email: BCPINFO@ag.state.nv.us

We may modify this privacy and security policy from time to time. We will post such changes to this page and update the last revised date. If the changes to the policy are significant, we will provide a more prominent notice including, possibly, an email notification to you.

Our Security Practices

With regard to the security of your personal information, we employ a variety of electronic, physical, and procedural safeguards to protect your personal information including:

Encryption - We employ 128-bit Secure Sockets Layer (SSL) technology to encrypt your personal information when it is in transit between your web browser and our web server or vice versa. In addition, we also use advanced encryption when storing or backing up your personal information on our computers, substantially reducing the risk even in the event of loss or misuse of your personal information.

Software and Hardware Security - We employ stringent, up-to-date software and hardware solutions to minimize the risk that your encrypted, personal information could be hacked, lost, or stolen from our computer systems.

Physical Security - Your encrypted, personal information is located and stored in secure areas within our building and any offsite data processing facilities.

Access - Access to your personal information (either physically or online) is limited to you and our employees who have a "need to know" in order to perform their jobs and who have the appropriate authentications such as key cards, user IDs, and passwords. A user ID and password is required on the Sign In page on our web site for you to access and/or update your account information. Please remember to keep your user id and password secure. Also, if you prefer additional security, we offer our AccountLock feature which will prevent access to your account even with a valid user id and password. Access will only be granted after you request a pass code from us. We will then email you a randomly-generated, temporarily available pass code, allowing you one-time access to your account.

Training - We provide training to our employees regarding our security procedures.