Effective Date: April 29, 2019

This website is owned and operated by CreditShop LLC (collectively, “CreditShop”, “we”, “us”, or “our”). CreditShop also operates this website on behalf of First Bank & Trust, Brookings, SD (“FB&T”).  CreditShop is a service provider to FB&T.

When you visit our website, apply for, or open an account, you entrust us with personally identifiable information. Because we value that trust and respect your expectation of privacy, we designed/provided this online privacy policy (the “Website Security Policy”). All financial companies share and use consumers’ personal information to run their daily business, provide you with products, process your transactions, and to properly identify, validate and protect your identity. This Website Security Policy describes the ways that CreditShop, on behalf of ourselves and FB&T, collects and shares personally identifiable information collected online.

What Types of Personally Identifiable Information do we collect?
For purposes of this Website Security Policy, "personally identifiable information" means information identifiable to and about an individual consumer collected online, such as on applications or other forms.  Personally identifiable may include an individual’s first and last name, home or other physical address, e-mail address, telephone number, social security number, or other identifier that permits the physical or online contacting of a specific individual.  Personally identifiable information also includes information concerning a user, such as income or employment information, that we collect online from the user and maintains in personally identifiable form in combination with an identifier described in the above categories.

What personal information do we share with other entities?
We may disclose all of the information, as described above, as permitted by law. Examples of what is permitted by law include: disclosing such information (a) to third parties if it is necessary or helpful in confirming the information or completing a transaction; (b) to other persons that have an interest in the financial product or service; (c) to report to consumer reporting agencies; (d) to comply with legal process such as subpoenas or court orders; (e) to respond to law enforcement agencies with respect to suspected or actual fraud, criminal activity or security risks; and (f) if you give us your consent.  We also may disclose all of the information we collect to companies that perform marketing services on our behalf (e.g., those that assist us with mailings).

This website uses the Google AdWords remarketing service to advertise on third party websites (including Google) to previous visitors to our site. It could mean that we advertise to previous visitors who haven’t completed a task on our site, for example using the contact form to make an enquiry. This could be in the form of an advertisement on the Google search results page, or a site in the Google Display Network. Third-party vendors, including Google, use cookies to serve ads based on someone’s past visits to our website. Any data collected will be used in accordance with our own Website Security Policy and Google’s privacy policy.
You can set preferences for how Google advertises to you using the  Google Ad Preferences page. You can also opt out of interest-based advertising entirely by cookie settings or permanently using a browser plugin.

Use of Cookies and Similar Technology
We,or our service providers, and other companies we work with may deploy and use cookies, web beacons, local shared objects and other tracking technologies for various purposes, such as fraud prevention and monitoring our advertising and marketing campaign performance. Some of these tracking tools may detect characteristics or settings of the specific device you use to access our online services.

We or our service providers who assist in operating our online services do not respond differently or limit their practices under the terms of this Online Website Security Policy when you access those online services with a browser that uses a do not track signal or similar mechanism.

Suspicious Email
It is our policy not to email you or send you electronic communications to request non-public personal information or account information (such as a username or password). If you receive an unsolicited email or other electronic communication that appears to be from us, but you suspect may be from another source and might be fraudulent, please email us at

Social Media
You may also find additional information on our products and services through social media sites such as Facebook, LinkedIn, or Twitter. Please keep in mind that any information you share is visible to all participants on these social media sites and you should never post any sensitive personal information (such as account number or tax identification). Please carefully review the terms of use and privacy policy on these social media sites as they may be different than our own policies.

Links to Other Web Sites
Our web site or online service may contain links to other web sites. As such, we are not responsible for the privacy practices or the content of such web sites.

Updating and Correcting Your Personal Information
Keeping your information accurate and up to date is very important. If your personal or account information is incomplete, inaccurate or not current, please contact us.

Children's Privacy
Our website and online services are not intended for children under the age of 13. We do not knowingly collect personal information from users in this age group.

Questions or Comments
If you would like more information regarding this Website Security Policy or you believe that the information we have on file about you is inaccurate or incomplete, you can email us at

Changes to this Website Security Policy
We may amend this Website Security Policy from time to time by posting a notice of the change (or an amended Website Security Policy) on our website. If we make changes to the Website Security Policy, we will revise the “Effective” date at the top of this Policy. We will send you a notice of the change only if required by applicable law.  Any changes to this Website Security Policy will become effective when we post the revised Website Security Policy on the site.