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Privacy Policy

Charis Loans is committed to protecting the privacy of your personal information. This Privacy Policy outlines how Charis Loans Lending collects, uses and protects such information.

  1. Websites Covered

This Privacy Policy covers the information practices of When sites are posted by Charis Loans, the site will link to this Privacy Policy, and this Privacy Policy applies. When sites are posted by third parties, the Privacy Policy of the third party applies, and this Privacy Policy does not apply. may contain links to other Websites, including other Charis Loans Websites. This Privacy Policy applies only to information collected on and does not govern the information practices or the content of such other Websites. Charis Loans encourages you to review the Privacy Policies of other Websites to understand their information practices.

  1. Collection and Use of Personal Information

Charis Loans may collect user contact information, such as name, address, e-mail address and telephone number. Providing this information is entirely optional.

Charis Loans will use this information only to contact users to provide information about Charis Loans Lending products and services.

Charis Loans does not disclose any personally identifiable information about consumers to anyone, except as permitted or required by law. For example, personally identifiable information about a user may be used or shared to comply with any law, regulation, audit or court order. In the event that our business or substantially all of the assets of the business are acquired, personally identifiable information may be one of the transferred assets.

  1. Website Navigational Information

Charis Loans uses commonly used information-gathering tools, such as cookies, to collect information as user navigate (“Website Navigational Information”). This section describes the types of Website Navigational Information Charis Loans Lending may collect and how Charis Loans Lending may use this information.

  1. Cookies

Charis Loans uses cookies to make interactions with the Website easy and meaningful. When a user visits the Website, Charis Loans’ servers send a cookie to the user’s computer. Standing alone, cookies do not personally identify you. They merely recognize your web browser. Unless you choose to identify yourself to Charis Loans, either by responding to a promotional offer, opening an account, or filling out a web form (such as a “Contact Me” or a “30-Day Free Trial” web form), you remain anonymous to Charis Loans.

There are two types of cookies: session-based and persistent-based. Session cookies exist only during one session. They disappear from your computer when you close your browser software or turn off your computer. Persistent cookies remain on your computer after you close your browser or turn off your computer.

If you have chosen to identify yourself to Charis Loan, Charis Loans uses session cookies containing encrypted information to allow Charis Loans to uniquely identify you. Each time you log into the Website, a session cookie containing an encrypted, unique identifier that is tied to your account is placed in your browser. These session cookies allow Charis Loans to uniquely identify you when you are logged into the Website and to process your online transactions and requests. Session cookies are required to use the Website.

Charis Loans uses persistent cookies that only Charis Loans can read and use to identify browsers that have previously visited Charis Loans’ Website. When you access the Website or provide Charis Loans with personal information, a unique identifier is assigned to you. This unique identifier is associated with a persistent cookie that Charis Loans places on your web browser. Charis Loans is especially careful about the security and confidentiality of the information stored in persistent cookies. For example, Charis Loans Lending does not store account numbers or passwords in persistent cookies. If you disable your web browser’s ability to accept cookies, you will be able to navigate Charis Loans’ Website, but you will not be able to successfully use the Website.

  1. Web Beacons

Charis Loans uses web beacons alone or in conjunction with cookies to compile information about users’ usage of the Website. Web beacons are clear electronic images that can recognize certain types of information on your computer, such as cookies, when you viewed a particular Website tied to the web beacon, and a description of a Website tied to the web beacon. For example, Charis Loans may place web beacons in marketing e-mails that notify Charis Loans when you click on a link in the e-mail that directs you to one of Charis Loans’ Websites. Charis Loans uses web beacons to operate and improve the Company’s Websites and e-mail communications. Charis Loans may use information from web beacons in combination with data about users to provide you with information about Charis Loans.

  1. IP Addresses

When you visit the Website, Charis Loans collects your Internet Protocol (“IP”) addresses to track and aggregate non-personally identifiable information. For example, Charis Loans uses IP addresses to monitor the regions from which users navigate the Website.

  1. Third-Party Cookies

From time-to-time, Charis Loans engages third parties to track and analyze non-personally identifiable usage and volume statistical information from individuals who visit the Website. Charis Loans may also use other third-party cookies to track the performance of Charis Loans advertisements. The information provided to third parties does not include personal information, but this information may be re-associated with personal information after Charis Loans receives it. This Privacy Policy does not cover the use of third-party cookies.

  1. Sharing of Information Collected

Charis Loans may share Data About Charis Loans Customers with Charis Loans’ agents to ensure the quality of information provided. Charis Loans Lending does not share, sell, rent, or trade personally identifiable information with third parties for their promotional purposes.

Charis Loans reserves the right to disclose personally identifiable information provided by users if required by law or if Charis Loans reasonably believes that disclosure is necessary to protect Charis Loans’ rights and/or to comply with a judicial proceeding, court order, or legal process.

  1. Security

Charis Loans is committed to protecting the confidentiality of your information and online transactions. We maintain physical, electronic and procedural safeguards designed to protect your personal information. We have security procedures in place to safeguard against loss, theft, unauthorized access, destruction, misuse, and modification of this information after we receive it. For example, Charis Loans restricts access to the information to our employees, agents and contractors who need to know such information to provide products or services to you.

  1. Personal Information on Children

Charis Loans products are intended for use by individuals who are at least 18 years old. If you are under the age of 18, you should not be visiting We do not knowingly collect or retain personal information from children under the age of 18. If you are under the age of 18 and are visiting or otherwise using, you are advised not to disclose or provide any personally identifiable information on

  1. If You Access AOS From Outside the United States

If you reside outside the United States, you understand and agree that any information you provide to Charis Loans will be transferred from the country of your residence or location at the time it was provided to the United States. If you do not want your personally identifiable information to be transferred to the United States, do not provide that information to us. By providing us with your information, you consent to the transfer of your information to the United States.

  1. Changes to this Privacy Policy

Charis Loans reserves the right to change this Privacy Policy at any time. You will not be given any notice to these modifications. Your continued use of the Website after any changes are posted will be deemed to constitute your agreement to and acceptance of such changes to this Privacy Policy.

  1. Contacting Us

Questions regarding this Privacy Policy or the information practices of Charis Loans’ Website should be directed to Charis Loans at or 800-591-5993.