SMS Privacy Policy

Big Picture Loans, LLC (“Big Picture Loans”) is a wholly owned subsidiary of Tribal Economic Development Holdings, LLC, a wholly owned and operated economic arm and instrumentality of the Lac Vieux Desert Band of Lake Superior Chippewa Indians ("Tribe"), created for the benefit of the Tribe and operating pursuant to Tribal law. Big Picture Loans is licensed and regulated by the Tribal Financial Services Regulatory Authority, an independent regulatory body of the Tribe. Big Picture Loans operates in accordance with the Lac Vieux Desert Band of Lake Superior Chippewa Indians Tribal Consumer Financial Services Regulatory Code ("Code"). A complete copy of the Code can be found at Tribal Consumer Financial Services Regulatory Code.pdf.

In these Terms of Website Use (the "Terms"), the words "You" and "Your" mean the visitor. The words “Big Picture Loans,” "We", "Us", and "Our", mean Big Picture Loans, LLC. These Terms constitute an agreement between Big Picture Loans and You, governing Your access and use of this website, bigpictureloans.com.

Big Picture Loans is committed to protecting Your privacy. This SMS Privacy Policy (the “Policy”) governs how We treat the Personal Information that We collect and receive from You in connection with Your use of the SMS Service (“Service”), which We make available to You through a third-party service provider. This Policy is incorporated into the Terms of Service.

By using the Service, You agree to the terms of this Policy. Big Picture Loans reserves the right, in its sole discretion, to modify or change this Policy at any time with or without prior notice to You. The date of the last update will be posted at the top of this Policy for Your convenience. This Policy, including any changes, is effective as soon as posted. Your continued use of the Service following the posting of any changes to the Policy constitutes Your full acceptance of those changes.

“Personal Information” is information that individually identifies You, such as Your mobile phone number or user/screen name, as well as the any Personal Information that You choose to include in messages You send through the Service.

What Personal Information is collected about You
Through the use of the Service, Big Picture Loans will receive the following information: Your mobile phone number when You send a text message to us, the text of messages that You send, as well as any comments or feedback regarding the Service that You send to us.

How Big Picture Loans uses Personal Information about You
We use Personal Information to (a) provide You with the Service, (b) process and respond to inquiries, (c) provide notifications and reminders about Your account, and (d) market our loan product to You.

Disclosure of Your information
When You consent to receive text messages, We will not share or sell Your Personal Information to other companies or individuals, unless We have Your consent. We may use or disclose such information in any of the following limited circumstances:

We have Your consent.
We need to enforce our Terms of Service.
We provide such information to trusted businesses or persons for the sole purpose of processing Personal Information on our behalf. When this is done, it is subject to agreements that oblige those parties to process such information only on our instructions and in compliance with this Policy and appropriate confidentiality and security measures. If the third party fails to comply with our terms, Big Picture Loans is not accountable in any way for any liability or reimbursement.
We provide such information to third parties who have entered into non-disclosure agreements with us.
We respond to subpoenas, court orders, or legal process, or establish or exercise our legal rights, or the legal rights of others, or defend against legal claims.
We believe it is necessary to share Personal Information to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of Big Picture Loan’s Terms of Service, or as otherwise required by law.

We may share aggregated information with others without further notice. An example of this would be the number of people who used the Service in a given month or the total number of texts sent in a given week.

Security
Big Picture Loans takes precautions to ensure the security of Your Personal Information, including ensuring that our third-party service providers protect the security of Your Personal Information. However, We cannot guarantee that hackers or unauthorized personnel will not gain access to Your Personal Information despite our efforts. You should note that in using the Service, Your information will travel through third party infrastructures which are not under our control (such as a third-party SMS delivery platform or Your carrier network).

We cannot protect, nor does this Policy apply to, any information that You transmit to other users. You should never transmit personal or identifying information to other users.

Opting In
When You consent to receive text messages, the frequency varies according to Your account and preferences. Message and data rates may apply.

Opting Out
To opt-out, reply "STOP" to the text message received. You can also contact us at (800)584-4880. An opt-out confirmation message will be sent back to You.

To request support, reply "HELP" to the text message received or contact us at (800)584-4880.

Contact
If You have any questions or concerns regarding this Site, please contact Us by email at Support@BigPictureLoans.com or by phone at (800)584-4880.

04/2024

IMPORTANT INFORMATION ABOUT PROCEDURES FOR APPLYING FOR A LOAN – To help fight the funding of terrorism and money laundering activities, and to comply with Tribal law and the spirit of federal law requiring all financial institutions to obtain, verify and record information that identifies each person who applies for a loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask for your driver’s license number or other identifying documents.

* Loan approval, and amounts are based on minimum income amounts, other credit criteria, and verification of the information you provide during the application process. Big Picture Loans, LLC (“Big Picture Loans®”) will run credit checks on all applicants and may review credit information from specialized credit bureaus. Big Picture Loans reviews and approves all loans on Tribal land at its office located at E23970 Pow Wow Trail, Watersmeet, MI 49969. If your application is verified and approved by 5:00 p.m. CST, you will generally receive an ACH deposit on the next Business Day. Business Day means Monday through Friday excluding all federal banking holidays. The loan documents and authorizations, including the loan agreement, depend on time-sensitive factors. Despite our best efforts, unavoidable delays in the review process can happen. If we are unable to verify your information within two Business Days after you submit your application, the loan documents and authorizations may need to be modified to accurately reflect certain payment disclosures, and you may be required to carefully review and submit new documents reflecting these changes.

** Returned payments, late payments, and non-payments may result in additional fees, charges, or collection activities pursuant to the terms of your loan agreement and as allowable under Tribal and applicable federal law.

*** Big Picture Loans is a wholly owned subsidiary of Tribal Economic Development Holdings, LLC, a wholly owned and operated economic arm and instrumentality of the Lac Vieux Desert Band of Lake Superior Chippewa Indians (“Tribe”), a federally recognized Indian tribe, created for the benefit of the Tribe and operating pursuant to Tribal law. Big Picture Loans is a duly licensed Financial Services Licensee of the Lac Vieux Desert Tribal Financial Services Regulatory Authority, an independent regulatory body of the Tribe, and operates in accordance with the Lac Vieux Desert Band of Lake Superior Chippewa Indians Tribal Consumer Financial Services Regulatory Code, which can be found here: Tribal Consumer Financial Services Regulatory Code.pdf.

If Big Picture Loans approves your loan it will be governed by Tribal law, applicable federal law and your loan agreement. The laws of your resident state may have interest rate limits and other protective laws that are more favorable. If you wish to have your resident state law apply, you should consider taking a loan from a licensed lender in your state. Availability of installment loans are subject to change from time to time as determined by Big Picture Loans.

You can contact us at Support@BigPictureLoans.com or at PO Box 704, Watersmeet, MI 49969-0704. To access a copy of Big Picture Loans Privacy Notice, please click here: Privacy Notice. Any unauthorized reproduction, distribution, or disclosure is prohibited without Big Picture Loans’ express written consent.

Consumer Notice:
Our loans should be used for short-term financial needs only, not as a long-term financial solution. Individuals with credit difficulties should seek credit counseling. For more information, please see our Financial Wellness Page.