Information We Collect About You
We collect nonpublic personal information about our customers. “Nonpublic personal information” is information about you that is not publicly available, and that we obtain in connection with providing a financial product or service to you.
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, income, checking account information and employment information.
- Information you provide us through our Website, including your name, e-mail, cell phone and home telephone numbers, regardless of whether you apply for a loan.
- Information about your transactions with us, our affiliates, or others, such as your loan and payment history. Information we receive from a consumer-reporting agency.
We may also collect and/or track the following information: Web page http headers, home server domain names, IP addresses, type of computer, type of Web browser, information from third-party Web analysis programs, information you provide us through applications, on-line forms, registration forms, surveys, and/or other entries, such as e-mail addresses, personal, financial, or demographic information, information on what pages our visitors access, and e-mail addresses of visitors that communicate with us via e-mail.
Our website is not directed at children under the age of thirteen, nor do we knowingly collect or maintain information from children under the age of thirteen. You must be at least eighteen years of age to obtain a loan from us.
How We Use Your Information
We may also use your personal, demographic and profile data to enhance your experience at our site and to enable us to present content we think you might be interested in. We use your contact information to provide you information about our company and promotional material from us or 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 communication regarding site updates, new products and services, and upcoming events.
When you give us your email address, you are agreeing to receive email messages from us, including marketing or promotional messages.
How We Share Your Information
If we are not licensed to provide loans in your state, and you ask us to forward your nonpublic personal information to a licensed lender, we will share your information with one or more lenders who offer loans in your state. We may also share your nonpublic personal information as allowed or required by law. We may also disclose all of the information we collect as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. We may share your information with one or more unaffiliated companies who perform certain services for us and on our behalf. These services include, among others, data processing and management. These services allow us to contact you and provide you with information about our company and promotional materials that may be of interest to you. You give us your consent to share your information for these purposes. Except to the extent prohibited by law, we may continue to share information as described in this paragraph, even if you have opted out, as provided below.
Additionally, we may use or share the information we collect with affiliated companies in our corporate family. These are companies related by common ownership or control, and can be financial and nonfinancial companies. Our affiliates include companies doing business under the trade names Dollar Loan Center, and financial companies such as DLC Empire Prepaid Card, LLC, Lead Empire, LLC and DLC Empire, LLC. We may share your information with our affiliates so that they can solicit and market products and services to you. However, you have the right to opt out of us sharing your information with our affiliates so that our affiliates can solicit and market products and services to you. You also have the right to opt out of us sharing information with our affiliates about your creditworthiness.
We may also share your nonpublic personal information with non-affiliated third parties. Non-affiliated third parties who may receive this information include mortgage and loan brokers, consumer lenders, small lenders, deferred presentment providers, check cashers, credit repair providers, supervised lenders, collection agencies, banks, credit and debit card providers, tax preparers, payroll service providers, insurance agencies, bill payment agencies, ATM providers, marketing service providers (e.g., lookup and reference services, data enhancement services, and suppression and validation marketers; e-mail marketers; and telemarketers), and financial service provider holding companies. You have the right to opt out of us sharing your information with non-affiliated third parties.
Your Opt Out Rights
If you would like to exercise your opt-out rights as described above, you may call us toll-free at 1-866-550-4352 or email us at firstname.lastname@example.org. In your email message, please include your name, address, account number (if applicable), type Opt Out in the subject line, and type any or all of the following statements, as applicable:
Do not share information about my creditworthiness with your affiliates for their everyday business purposes
Do not allow your affiliates to use my personal information to market to me
Do not share my personal information with nonaffiliates to market their products and services to me.
Note that even if you choose to exercise your right to opt out of certain disclosures as described above, we may still contact you and retain your nonpublic personal information as permitted by law. However, we will not share information covered by your opt-out request with our affiliates and non-affiliated third parties.
How We Protect Your Information
We restrict access to non-public personal information about you to those employees who need to know that information to provide goods or services to you. We retain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information.
Additional Security Precautions
You also have a significant role in protecting your information. No one can see or edit the nonpublic personal information you have shared with us on this Website without knowing your account information and password. If you use this Website, you are responsible for maintaining the confidentiality of your account, password, and restricting access to your computer. You agree to accept responsibility for all activities that occur under your account and password.
Some states impose special requirements that apply to residents of those states. If you are a resident of one of those states, we may be required to follow procedures that differ from those described elsewhere in this Policy.
California Residents. Subject to certain exceptions allowed by law, we will not disclose to, or share your nonpublic personal information with, any nonaffiliated third party unless we have obtained your prior written consent, and we will not disclose to or share your nonpublic personal information with an affiliate unless we have notified you annually in writing that the nonpublic personal information may be disclosed to our affiliates and you have not opted-out of that disclosure.
Our Right To Change
Effective as of April 25, 2012.