PRIVACY POLICY

Last Modified Date: December 2018

Protecting your privacy is important to 123CashNow 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 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 the online form 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.

FACTS WHAT DOES 123CashNow DO WITH YOUR PERSONAL INFORMATION?
Why? 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.
What? 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 payment history
  • Transaction or loss history and employment information
How? 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 123CashNow chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does 123CashNow 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 Yes No
For our marketing purposes – to offer our products and services to you Yes No
For joint marketing with other financial companies No We don't share
For our affiliates' everyday business purposes – information about your transactions and experiences No We don't share
For our affiliates everyday business purposes – information about your creditworthiness No We don't share
For non-affiliates to market to you No We don't share
To limit our sharing
  • Visit us online: 123CashNow.com
  • Contact us via email: customerservice@123CashNow.com
Please note: If you are a new customer, we can begin sharing your information as soon as the same day that you submit your information for a loan. 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.
Questions? Email: customerservice@123CashNow.com

PRIVACY POLICY CONTINUED

What we do
How does 123CashNow 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.
All information collected is stored in a technically and physically secure environment. We store and transmit information with SSL encryption software.
How does 123CashNow collect my personal information? We collect your personal information, for example, when you
  • Submit your Information
  • 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.
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.
Definitions
Affiliates Financial and nonfinancial companies related by common ownership or control.
  • 123CashNow does not share with our affiliates.
Non-affiliates Financial and nonfinancial companies not related by common ownership or control.
  • 123CashNow does not share with non-affiliates so they can market to you
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • 123CashNow doesn't jointly market.

INFORMATION COLLECTION

• Marvistel and its subsidiaries such as but not limited to 123CashNow.com will herein use information such as IP address and the use of browser cookies to track data in order to remarket and retarget consumer behaviors for the purpose of advertising and marketing.
• Third-party vendors such as but not limited to Google will show ads on sites across the Internet.
• Third-party vendors, including Google but not limited to use cookies to serve ads based on someone's past visits to Marvistel and its subsidiary websites such as but not limited to 123CashNow.com website.
• Visitors can opt out of Google's use of cookies by visiting Google's Ads Settings. Alternatively, you can point your visitors to opt out of a third-party vendor's use of cookies by visiting the Network Advertising Initiative opt-out page.


SITE PRIVACY CHANGES

This website’s policies and content may be revised at any time and without prior notice. Changes to this Policy will be posted on this Site. You should review this Policy each time You access the Site. If we make any changes in the way we collect, use, and/or share personal information that may impact You, we will notify You by sending an email and/or by prominently posting notice of the changes on this Site.

Effective Date: August 2015