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.
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
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.
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:
|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||
|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
|Why can't I limit all sharing?||Federal law gives you the right to limit only
|What happens when I limit sharing for an account I hold jointly with someone else?||Your choices will apply to everyone on your account.|
|Affiliates||Financial and nonfinancial companies related by common ownership or control.
|Non-affiliates||Financial and nonfinancial companies not related by common ownership or control.
|Joint Marketing||A formal agreement between nonaffiliated financial companies that together market
financial products or services to you.
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