Is My Information Secure?
WHAT
INFORMATION WE COLLECT
WHAT INFORMATION WE
DISCLOSE
OUR SECURITY PROCEDURES
OUR PRIVACY POLICY
For all short-term loan customers - Protecting
your privacy is important to us 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 employees for collection,
use, retention, and security of non-public personal information related to our
short-term loan programs.
We may collect non-public 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 credit
worthiness and credit history. Non-public personal information is non-public
information about you that we obtain in connection with providing a short-term
loan to you.
We are permitted by law to disclose non-public personal information
about you to third parties in certain circumstances. For example, we may
disclose non-public personal information about your short-term loans to
consumer reporting agencies and to governmental entities in response to
subpoenas. Moreover, we may disclose all of the non-public personal information
about you that we collect, as described above, to financial service providers
that perform services on our behalf, such as the marketers and servicers of
your short-term loan, and to financial institutions with which we have joint
marketing arrangements. Such disclosures are made as necessary to affect,
administer, and enforce the loan you request or authorize. Otherwise, we do not
disclose non-public personal 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 non-public personal information about you to those employees who need
to know that information to provide short-term loans to you. We maintain
physical, electronic, and procedural safeguards that protect your non-public
personal information.
I. Mission Statement: Our mission is to meet the
desires of our customers. We respect the privacy of our customers and we
believe you have the right to expect that information you entrust to us will be
treated with appropriate discretion. As part of our Privacy Policy, we have
adopted the following principles to serve as standards for all our employees
for collection, use, retention, and security of individual customer
information. This is our continuing commitment to you as a valued customer.
II. Recognition of Customer's Expectations of Privacy:
Because we recognize that you have the right to privacy, we also recognize that
you have the right to expect your personal financial information to remain
private and secure. While certain information is critical to providing quality
service, we can not overlook the fact that one of our most important assets is
our customers' trust. Therefore, the safekeeping of customer information is a
priority.
III. Our Collection, Retention, and Use of Information About
You: Information about consumers is accumulated from a variety of
sources. Some of the information is provided to us directly by customers
themselves. Other information could be obtained by us from outside sources. We
will limit the use and collection of information about our customers to that
which is necessary to administer our business, provide exceptional service, and
offer opportunities that we think will be of interest to customers. This means
the information will be used for identifying additional products or services
that we believe customers might want to know about. We will use this
information only in accordance with the principles indicated in this policy.
IV. Our Maintenance of Accurate Information: We
have established procedures to ensure that your financial information is
accurate, current, and complete, in keeping with reasonable commercial
standards. Should you ever believe that our records contain inaccurate or
incomplete information about you, please notify us. We will investigate your
concerns and correct any inaccuracies in a timely manner.
V. Limitations on Employee Access to Information: Employee
access to personally identifiable customer information will be limited to those
with a business reason for knowing such information. Employees are trained on
the importance of maintaining the confidentiality of customer information as
well as the privacy principles described in this policy. Due to the importance
of these issues, all of our employees are responsible for maintaining the
confidentiality of customer information and any employee who violates these
privacy principles will be subject to disciplinary measures.
VI. Security Procedures to Protect Information: We
are committed to the security of your financial and personal information. All
of our operational and data processing systems are in a secure environment that
protects your account information from being accessed by third parties. We
maintain and grant access to customer information only in accordance with our
internal security policy.
VII. Restrictions on the Disclosure of Account Information:
It is our policy not to reveal specific information about customer accounts or
other personally identifiable data to unaffiliated third parties for their
independent use unless:
(1) The information is provided to help complete a
customer-initiated transaction,
(2) The customer requests or authorizes it,
(3) The information is provided to a reputable credit bureau or
similar information reporting agency,
(4) The disclosure is required or allowed by law (e.g. subpoena,
investigation of fraudulent activity, requested by regulator, etc.) or,
(5) The customer has been informed about the possibility of
disclosure for marketing purposes through a prior notice and given the
opportunity to decline or "opt out."
VIII. Maintaining Customer Privacy in Business Relationships
with Third Parties: When we conduct business with third parties,
it requires its vendors and suppliers to maintain similar standards of conduct
regarding the privacy of personally identifiable customer information provided
to them.
IX. Providing Privacy Information to Customers and Responding
to Inquiries: We value our customer relationships. Because we
recognize and respect your privacy, we want you to understand how we use the
information you provide as well as our commitment to ensuring your personal
privacy. As a result of our commitment, we have developed these Privacy
Principles, which are made readily to our customers. Customers who have
questions about these Privacy Principles or have a question about the privacy
of their customer information should write to us at:
Cash In A Wink
3422 Old Capitol Trail, Suite 1109
Wilmington, DE 19808-6192
X. Protection of Customer Information on our Website:
We protect the privacy of customer information sent to and from our websites by
utilizing the same security and privacy standards that are applied to
traditional banking transactions. These Privacy Principles apply to
individuals, and we reserve the right to change them, along with related
provisions at any time.
XI. Spam Concerns: We take your privacy seriously
and do not tolerate spam. To learn more about how we use your name or how it
may have been acquired, please view our privacy policy. If you have received
email directly from us and do not wish to receive further communication, you
may remove yourself from all our lists from this page. Please be aware that you
may have received an email advertisement from one of our permission-based
marketing partners. All our marketing partners adhere to strict privacy
standards and obtain email addresses through sources that adhere to those
standards. If you feel that one of our marketing partners has used your name
without permission, please contact them directly using the information provided
with the ad you received. If, for any reason, you can not contact the
advertiser directly, please forward a copy of the email you received to
webmaster@cashinawink.com and we will attempt to contact the
advertiser on your behalf.
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