Protecting your privacy is important to AdvanceCash and our employees. We want you to understand what information we collect and how we use it. In order to provide our customers with short-term loans as effectively and conveniently as possible, we use technology to manage and maintain customer information.
The following policy serves as a standard for all Bank employees for collection, use, retention, and security of nonpublic personal information related to our short-term programs.
WHAT INFORMATION WE COLLECT
We may collect "nonpublic personal information" about you from the following sources: Information we receive from you on applications or other loan forms, such as your name, address, social security number, assets and income; Information about your loan transactions with us, such as your payment history and loan balances; and Information we receive from third parties, such as consumer reporting agencies and other lenders, regarding your creditworthiness and credit history "Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a short-term loan to you.
For example, as noted above, nonpublic personal information includes your name, social security number, payment history, and the like
WHAT INFORMATION WE DISCLOSE
We are permitted by law to disclose nonpublic personal information about you to third parties in certain circumstances.
For example, we may disclose nonpublic personal information about your short-term loans to consumer reporting agencies and to government entities in response to subpoenas. Such disclosures are made as necessary to effect, administer and enforce the loan you request or authorize.
Otherwise, we do not disclose nonpublic financial information about our customers or former customers to anyone, except as permitted by law.
If you become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.
OUR SECURITY PROCEDURES
We also take steps to safeguard customer information. We restrict access to nonpublic personal information about you to those of our and our servicer's employees who need to know that information to provide short-term loans to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
|WHAT DOES Make Cents, Inc, d/b/a AdvanceCash DO WITH YOUR PERSONAL INFORMATION?
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:
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 Make Cents, Inc, d/b/a AdvanceCash chooses to share; and whether you can limit this sharing.
|Reasons we can share your personal information
|Does Make Cents, Inc, d/b/a AdvanceCash 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 bureaus
|For our marketing purposes – to offer our products and services to you
|For joint marketing with other financial companies
|We don't share
|For our affiliates' everyday business purposes – information about your transactions and experiences
|We don't share
|For our affiliates everyday business purposes – information about your creditworthiness
|We don't share
|For non-affiliates to market to you
|We don't share
|What we do
|How does Make Cents, Inc, d/b/a AdvanceCash 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
We also maintain physical, electronic and procedural safeguards such as computer virus protection software, firewalls, and a 128 bit Secure Socket Layer. Only authorized employees have access.
|How does Make Cents, Inc, d/b/a AdvanceCash collect my personal information?
We collect your personal information, for example, when you
• Apply for a loan
• Give us your income information
• Provide employment information
• Provide account information
• Give us your contact information
We also collect your personal information from 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 non-affiliates to market to you.
State laws and individual companies may give you additional rights to limit sharing.
Financial and non financial companies related by common ownership or control.
• Make Cents, Inc, d/b/a AdvanceCash does not share with our affiliates.
and non financial companies not related by common ownership or control.
• Make Cents, Inc, d/b/a AdvanceCash does not share with non-affiliates so they can market to you
A formal agreement between non affiliated financial companies that together
market financial products or services to you.
• Make Cents, Inc, d/b/a AdvanceCash doesn't jointly market.