These Terms and Conditions govern each credit application you submit to FinWise Bank ("Lender") and each RISE loan that you may obtain from FinWise Bank. FinWise Bank offers RISE installment loans that are designed to help you with your immediate cash needs. FinWise Bank encourages you to borrow only what you need and what you are able to timely repay. Additionally, FinWise Bank encourages you to shop the marketplace until you are convinced that you have found the best solution for your needs. You may choose to consult a consumer credit counseling service for additional options.
The transactions related to your credit application and any loan that you may obtain from FinWise Bank shall be governed by the laws of the State of Utah, regardless of where you may be viewing or accessing the RISE Credit website.
You certify that the information supplied by you on this website in or as part of your credit application is true, complete and correct. You authorize FinWise Bank, its authorized representatives, servicers, and/or assignees to verify the information by contacting any of the persons or firms listed by you. You fully release all parties from claims of damage that may arise out of or relate to any such contacts. Any false information submitted on this website in or as part of your credit application shall be sufficient reason for denial of your loan request.
You authorize FinWise Bank and its authorized representatives to obtain information about you from one or more consumer reporting agencies and other sources. You understand that FinWise Bank reserves the right to withhold funding of your loan, at any time prior to disbursement, to allow us to verify any information that you provide.
We may make inquiries concerning your credit history and standing, and may report information concerning your performance including, but not limited to, late payments, missed payments, or other defaults, to credit reporting agencies. Late payments, missed payments or other defaults on your Loan may be reflected in your credit report.
Notice: As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms and your credit obligations.
As part of our credit underwriting and information collection process, we will consider the bank account information provided by you as eligible for us to process payments against, we may detect additional bank accounts under your ownership, and we also may collect and consider information about you from non-credit reporting agency data providers and publicly available information about you.
RISE by FinWise may contact you by several contact methods, including but not limited to, writing to you via U.S. postal service and/or electronic mail and calling you via telephone at any address or number you provide to us. We may also contact you via text messaging or other mobile communications method, if you request or agree to this type of communication. We may use any one or all of these methods to contact you about the status or approval of your loan, inform you about special promotions, savings and services we believe may be of interest to you, to remind you of upcoming payments, and to communicate with you regarding collections and other issues related to your loan. If you have authorized FinWise Bank to do so, FinWise Bank or its authorized servicer(s) may contact you using a predictive dialer or other automated telephone dialing device, or by pre-recorded message, during reasonable hours at any of the phone numbers which you provide to us. You may manage your contact information and preferences by calling us at (866) 580-1226, emailing us at email@example.com or changing your contact preferences on the RISE Credit website.
We have established procedures to ensure that your financial information is accurate, current and complete, in keeping with reasonable industry standards. We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any information we determine to be inaccurate. You may change your information on your application or otherwise update your account information online by logging into the "My Account" page at www.risecredit.com and selecting "Account Settings".
You also have a significant role in protecting your information. No one can see or edit your personal information without knowing your login information. Do not share your login information with others. If you use this website, you are responsible for maintaining the confidentiality of your account, password, and restricting access to your computer. You agree to accept responsibility for all activities that occur under your account and password.
We automatically log generic information about your computer and your computer's connection to the Internet, which we call "session data." Session data consists of things such as device information, IP address, operating system and browser software information, and the activities conducted by the user while on our site. An IP address is a number that lets computers and mobile devices connected to the Internet, such as our web servers, know where to send data back to the user, such as the pages of the site the user wishes to view. We collect session data because it helps us analyze such things as what items visitors are likely to click on most, the way visitors are clicking through the site, how many visitors are surfing to various pages on the site, how long visitors to the site are staying and how often they are visiting. It also helps us diagnose problems with our servers and lets us better administer our systems. It is possible to determine from an IP address a visitor's Internet Service Provider (ISP) and the approximate geographic location of his or her point of connectivity. We also collect and use session data to help prevent fraud or unauthorized use of our site. Session data is sometimes shared with third parties.
We respect the privacy of your children, and we comply with the Children’s Online Privacy Protection Act (“COPPA”). We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen (13). You must be at least eighteen (18) years of age (or nineteen (19), in certain states) to obtain services from FinWise Bank.
c/o RISE Credit
Attn: Customer Service
P.O. Box 101808
Fort Worth, TX 76185
(866) 580-1226; or
You understand that FinWise Bank will retain your credit application and the information you provide on this website in or as part of your credit application, whether or not we approve you for credit.