PRIVACY POLICY STATEMENT

We Value Your Privacy

The word “You” or “Your” means you as a consumer, customer, or former customer of our loan products or a user of this site. “We”, “Our” or “Us” means Cash Banc “Our Site” means “cashbanc.com”.

We recognize the importance of building trusting relationships with our customers. We believe that building trust begins with protecting the information of our customers. It is our responsibility to keep safe your personal and financial information.

TYPE OF SITE:

We work to safeguard the information that you entrust to us. We developed the following policies to ensure your confidentiality and maintain your confidence in us. This Privacy Policy Statement explains our views and how they may pertain to you as a user of our website. For that reason, we ask that you please read it carefully.

WHAT INFORMATION DO WE COLLECT?:

We automatically collect and/or track the following non-public personal information:

IP address which we use to help diagnose problems with our server, administer our site and provide services to you.
Information, user specific or aggregate, on what pages our visitors access.
The e-mail addresses of visitors who communicate with us via e-mail.
Information we receive from you on applications or other forms, such as your name, address, phone number, social security number, assets, income, banking institutions and employers.
Information about your transactions with us that occur via the Internet, fax, phone or mail such as your payment history and loan balance.
Information we receive from credit reporting agencies or other national databases, such as your payment record with other short term loan lenders and your check payment history.
Information obtained when verifying the information you provide on an application or other forms, such as current or past employers, or from other institutions where you conduct financial transactions.

USE OF PERSONAL INFORMATION

All information transmitted or otherwise submitted to us via this website shall be deemed to be the property of Payday Cash Advance Loans and we shall be free to use such information for any lawful purpose as described herein.

Visitors to our site are not required to provide personal information in order to view or browse our site. Those who provide us with their name, address, phone number or e-mail address may be contacted for various reasons, such as an answer to an inquiry, occasional special offers or other business related matter. We view and analyze visitor activity to better understand the functionality and preferred sections of our site. We use this information to improve the content and navigation of our site. If you choose to provide personal information, it will be used for the following purposes:

To consider you for a short term loan, and
For marketing products and services which we determine in our sole judgment that you may find of interest.

We use your personal, demographic and profile data to enhance your experience at our site and to enable us to provide you with information we think you might be interested in and may not otherwise have known about. We use your contact information to send you information about our company and promotional material from our partners. We may also use your personal, demographic and profile data to improve our site, for statistical analysis, for marketing and promotional purposes, and for editorial or feedback purposes for our advertisers. Information collected by us may be added to our databases and used for future e-mails or postal mailings regarding site updates and new products and services.

DISCLOSURE OF DATA TO THIRD PARTIES

We have a number of companies within our family that work together to bring you services and products that may benefit you. The law allows us to share certain non-public personal information about our current and former customers with our family of companies such as your name, address and telephone number; transactional information and loan account experience. By sharing this information we can better understand your needs and as a result, we can send you notification of products and services that you might not otherwise be aware of.

We reserve the right to share, rent, sell, or otherwise disclose data we collect to third parties not within our family of companies. We will only disclose to them the minimum information necessary, such as name, address and telephone number, to provide their service. Any third party we share, rent, sell or otherwise disclose data to will be carefully prescreened by us, determined by us to be reputable, and will use the personal data for marketing products and services, which we determine, in our sole judgment, that you might find of interest.

We may share non-public personal information with a variety of businesses which perform marketing services on our behalf, or with other companies with whom we have joint marketing agreements. We will include confidentiality and data protection provisions in the contracts we make with these business partners.

In order to conduct our business we may also share your personal information with companies as permitted or required by law. This disclosure typically includes information to process transactions on your behalf, conduct the operation of our company, following your instructions as you authorize, or to protect the security of our financial records. These companies include credit reporting agencies, national databases and companies that provide services related to your account. We may also disclose your personal information to government entities in response to subpoenas.

Although we may disclose all of the information we collect and retain, its use will be limited to what we reasonably believe is appropriate and necessary to carry on our business and to provide the quality of service you expect and deserve.

OPTING OUT OF INFORMATION SHARING

If you prefer that we not disclose non-public personal information to companies outside of our family (other than as permitted by law), you may opt out by calling us at 1-800-979-0823, or by clicking on the link below (PRIVACY OPT OUT) and entering your e-mail address twice. Additionally, each e-mail message we send you will clearly state how you may remove your name from the e-mail list.

Please note that choosing to opt out of this information sharing may limit opportunities for you to receive product and service information that may interest you, and may limit our ability to provide you with fast and efficient service.

We will stop sharing your information as soon as reasonably practicable after we receive your request. New customers can sign the opt out notice at the time your application is processed. We will honor your request immediately. When you end your customer relationship with us, or when we end our customer relationship with you, we will treat the information we have about you as if you were still our customer.

Exceptions to Your Opt-Out Rights Despite your opt out rights described above, by law we may share your personal information without offering you the opportunity to opt-out in the following circumstances:

To effect, administer or enforce a transaction.
If the transaction, service, or product is requested or authorized by the customer.
To maintain or service a customer’s account as part of another loan extension program.
For disclosures required in the ordinary course of business, such as the settlement of claims or benefits, the confirmation of information to the consumer or the consumer’s agent, and the billing, processing, or clearing of items in the normal course of business.
To the extent permissible under the Right to Financial Privacy Act.
To a consumer reporting agency under the Fair Credit Report Act (FCRA). Our Policies regarding FCRA are outlined below.
To comply with Federal, State or local laws, rules and other applicable legal requirements.

Please note that you will not be able to opt out with regard to the collection and disclosure of aggregate information. Such information does not include anything personally identifiable, however, and simply reflects statistical analysis of various aspects of site usage.

OUR SECURITY PROCEDURES

We protect customer privacy by ensuring that only employees who need to know that information in order to provide, process or service a short term loan for you.

We maintain physical, electronic and procedural safeguards that comply with Federal regulations to guard your non-public, personal information.We use Secure Socket Layer (SSL) technology to prevent unauthorized parties from viewing any personal information you transmit to us. We continually assess new technology for protecting information. We continually strive to ensure that our operational and data processing systems are in a secure environment that protects your account information from being accessed by unauthorized parties.

You can also take steps to help safeguard your personal information. Protect your account numbers, PIN and customer access numbers. Never disclose confidential information to unknown callers.

ACCURACY OF YOUR ACCOUNT INFORMATION

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.

FAIR CREDIT REPORTING ACT DISCLOSURE

The Fair Credit Reporting Act sets standards that regulate the use of consumer reports. This Act permits us to share with our affiliates and non-affiliates information regarding transactions and experiences. While it also permits (with opt-out provisions) the sharing of information we obtain from third parties (credit reports for example), it is the policy of Payday Cash Advance Loans not to do so except where allowed by regulation or law.

If you have opted-out of the sharing agreements with companies outside of the Payday Cash Advance Loans family of companies referred to in this Privacy Policy, there is no need to do so for the purposes of the Fair Credit Reporting Act.

FORMER CUSTOMERS

Even if you are no longer a customer, our Privacy Policy Statement will continue to apply to you.

CHILDREN

We do not specifically intend to collect information from children (under 18 years old). We believe that children should get their parents’ consent before giving out personal information. If you discover your child has used our site against your wishes, contact us at 1-800-979-0823 and we will remove your child’s information from our records. If you are concerned about your child’s use of our site, we encourage you to use website filtering technology to supervise your child’s access to that site.

RETENTION TIME

Once you have provided personal information to Cash Banc we will store and maintain the information you have volunteered for so long as you have not directed us otherwise. Our retention of this data allows us to continue providing you with personalized services and appropriate products without interruption.

OUR RIGHT TO CHANGE

Since offerings and technologies change, we reserve the right to change or remove portions of our Privacy Policy at any time without prior notification. If the changes are substantial, such as adding a category of information that we will disclose to a third party, we will notify existing customers and give them an appropriate time period to opt out of the disclosure.

COLLECTION AND USE OF BANK ACCOUNT INFORMATION FOR PURPOSES OF COLLECTING LOAN PAYMENTS:

If we extend credit to a consumer, we will consider the bank account information provided by the consumer as eligible for us to process payments against. In addition, as part of our information collection process, we may detect additional bank accounts under the ownership of the consumer. We will consider these additional accounts to be part of the application process and eligible for payment retrieval.

WHO DO YOU CONTACT WITH QUESTIONS?

If you have any questions or concerns relating to this Privacy Policy, you should call 1-800-979-0823. We will respond to your calls in the order in which they are received.