Personal Information that we collect personal information from you to help you use our products and services. When we say "personal information", we mean information that specifically identifies you. We collect this information in a number of ways. You are asked to provide personal information to us while submitting loan applications, discussing your application with us, providing feedback to us, or transferring funds when using our services. Examples of personal information include:
We may supplement the personal information you submit to us with information from third-party sources. For example, in an effort to protect the integrity of your account and if permitted under applicable law, we may supplement your application information with address standardization data to verify the address you have entered is valid and to protect you against identity theft. Finally, we never intend to collect personal information from children under 13 years of age. In fact, the products and services offered through this Site are not available to persons under the age of 18. If you are younger than 18, please do not provide any personal information while using this Site.
Aggregate information, which is data we collect about your use of our Site or third-party websites or services, from which personal information has been removed. Aggregate data is used to help us understand consumer trends, needs, interests, and preferences so we can improve our products and services.
Consumer Reports, As a company engaged in lending, Cash Quick Payday Advance, Inc., receives data from consumer reporting agencies. We partner with these agencies to assess your creditworthiness and to prevent fraud and identity theft. This is done as part of our regular underwriting, fraud prevention and loan servicing processes. Information we collect in these reports includes, but is not limited to:
Cash Quick Payday Advance, Inc., also collects information about your computer or mobile device to improve and evaluate your use of our Site and services. We may gather data such as your browser type, operating system, loading or exiting of web pages, and the Internet Protocol (IP) address of your computer or device.
Like other advertisers, we contract with third parties to place advertisements for our products and services on websites that are not our own. We place these ads where we think they are likely to be most relevant. These advertisements on third-party websites allow us to track responses to our ads. We and our affiliates use this information to track the performance of our advertising and marketing campaigns by using tools like cookies, web beacons and similar technologies. We use these tools to collect and store information about your visits, page visits and duration, and the specific ad or link that the user clicked on to visit the Site.
We may use your personal information to provide you with information, products, or services you request, to inform you about other information, products, and services we think will be of interest to you, to facilitate your use and our operation of our Site, and to improve our products and services. Here are some examples of ways in which we use your personal information:
We do not sell or rent your personal information to anyone. Generally, we will not disclose personally identifiable information that we collect through your use of the Site to unaffiliated third parties. We may, however, share your personal information with trusted third parties who are integral to the operation of our Site and business, including but not limited to our employees and agents, financial institutions, payment processors, verification services and credit bureaus, as well as any third parties that you have directly authorized to receive your personal information. We may disclose your personal information to law enforcement, government officials, or other third parties if:
We reserve the right to transfer any and all information that we collect from users, or that we otherwise collect in connection with this Site, including, without limitation, to unaffiliated third parties or affiliates, during the negotiations of a merger, consolidation, sale or transfer of assets or of any portion of our business.
Cash Quick Payday Advance, Inc., takes the privacy and security of your information seriously. We employ strict administrative, technical, and physical security measures to keep all information secure. Access to information is limited (through user and password credentials and software systems) to those employees who require it to perform their job functions. Other safeguards include, but are not limited to data encryption, firewalls, and physical access controls to buildings and files. When either you or we update information regarding your account, such as the status of a loan application, we typically send you notice of these changes via e-mail or text message. In recent years, individuals, businesses and even governments have seen a rise in "phishing" attacks. Phishing occurs when someone attempts to obtain your password or other sensitive information. Scammers often do this by impersonating a trusted source, or offering a compelling reason to open a malicious email attachment, click on a link or disclose personal information. We never ask for your sensitive personal information (e.g., passwords, payment card information) over e-mail or other unsecure methods. Please notify us at Cash Quick Payday Advance if you ever receive suspicious correspondence from us.
Effective date: March 13, 2023