Bread Financial Privacy



Your Privacy Is Important

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Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.


The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and income
  • Account balances and transaction history
  • Credit history and credit scores


All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Bread Financial chooses to share; and whether you can limit this sharing.

Reasons we can share your personal informationDoes Bread Financial share?Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureausYesNo
For our marketing purposes— to offer our products and services to youYesNo
For joint marketing with other financial companiesYesNo
For our affiliates' everyday business purposes— information about your transactions and experiencesYesNo
For our affiliates' everyday business purposes— information about your creditworthinessYesYes
For our affiliates to market to youYesYes
For nonaffiliates to market to youYesYes

To limit our sharing

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.


Who we are 
Who is providing this notice?This privacy notice is provided by the Bread Financial Holdings, Inc. family of companies, including Comenity Bank and Comenity Capital Bank. These companies do business under brand names such as “Bread Pay,” “Bread Loans,” and “Bread Savings”.
What we do 
How does Bread Financial protect my personal information?To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Bread Financial collect my personal information?

We collect your personal information, for example, when you

  • open an account or provide account information
  • give us your income information
  • use your credit or show your driver's license

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates' everyday business purposes—information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.


Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Our affiliates include companies with a Bread or Comenity name; financial companies such as Comenity Bank, Comenity Capital Bank, and nonfinancial companies such as Bread Financial Holdings, Inc. and its subsidiaries which offer servicing assistance to the banks and third parties.


Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Nonaffiliates we share with can include financial service providers, retailers, direct marketers, publishers, and nonprofit organizations.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners may include lenders and insurance companies.
Other important information

We also will comply with more restrictive state laws to the extent that they apply; for example, Vermont or California.

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Last Revised: July 2023


This privacy policy (“Privacy Policy”) describes how Bread Financial Holdings, Inc. family of companies, including Comenity Bank, Comenity Capital Bank, and Lon Operations LLC (d/b/a Bread ) (collectively referred to as “Bread Financial”, “we”, “us”, or “our”), collects, uses, discloses, processes, and retains Personal Information collected from you—or that you provide to us—in connection with your use of our “online services.” Online services includes our websites, such as, and, Social Media Pages (as defined below), mobile apps, and from the Services (as defined below) we offer to our customers. By accessing our online Services, you signify your understanding of the terms set out in this Privacy Policy.


If you are visiting us from a location outside of the United States, please keep in mind that we are U.S.-based. This Policy governs the information collected by or on behalf of our websites irrespective of where you are located when you access, browse, or interact with it. If you are a California resident, please see the “Privacy Notice for California Residents” section below, which supplements this Privacy Policy. 


Review Privacy Policy