This notice is provided to you on behalf of the A-1 Premium Budget, Inc., d/b/a
Cash In A Wink, (hereafter "Cash In A Wink", "we" "our" or "us"). "You" or "Your"
means you as a participant in or as a user of the Cash In A Wink website, products
or services. "Our website" means the Cash In A Wink website found at
www.cashinawink.com. All information transmitted, printed or otherwise submitted
to Cash In a Wink via our website may be used for any lawful purpose described herein,
and for other purposes as required or permitted by law.
Please read this notice carefully. It provides important information
applies to anyone who applies for or uses our products or services, or visits our
website, including but not limited to current and former customers.
WHAT INFORMATION WE COLLECT:
We collect personally identifiable financial information, including but not limited
to non-public personal information, as well as other types of personally identifiable
information from you and from other sources as described herein (collectively, “Your
Information”). Our primary goal in collecting your information is to provide you
with an efficient, accurate, and customized loan transaction. Your information also
helps us personalize and continually improve our customers’ experience at our Website.
We automatically collect and/or track the following types of information:
- Information we receive from you on applications or other loan forms, such as your
name, address, social security number, employment information, assets and income;
- Information provided by you through on-line forms, registration forms, surveys,
and/or other entries, such as email addresses, income, telephone numbers, and demographic
- Information about your transactions with us, our affiliates, or others, such as
your account history, your loan balances, payment history, parties to transactions,
and your reasons for doing business with us;
- Information we receive from third parties, such as consumer reporting agencies and
other lenders, regarding your credit worthiness and credit history, and to verify
- Information we obtain to verify representations made by you, such as your employment
history or income;
- Information obtained from specialized marketing information firms, such as household
- Web page http headers (home server domain names, IP address, type of client computer,
and type of Web browser). Information, user specific or aggregate, on what pages
our visitor’s access.
- Information you provide when you contact our customer service department.
- The email addresses of visitors that communicate with Cash In A Wink via email.
HOW WE USE AND DISCLOSE PERSONAL DATA:
We use Your Information (including all categories of information identified above)
to process your loan transaction and to:
- Provide you with products or services you request;
- Offer you additional products or services, from us or from others, that may be of
interest to you;
- Comply with all reporting and other legal requirements;
- Enhance your experience at our website;
- Process payments and update account records;
- Analyze customer demographics, payment histories, and preferences;
- Conduct statistical analysis;
- Provide our advertisers with editorial or feedback information
We may also share Your Information with companies within our corporate family ("Affiliated
Companies") and with other companies with whom we do business ("Non-Affiliated Third
Companies and Non-Affiliated Third Parties may be financial service providers, such
as mortgage bankers, mortgage brokers, consumer lenders, small lenders, loan brokers,
deferred deposit providers, check cashers, supervised lenders, delayed deposit providers,
deferred presentment providers, collection agencies, consumer reporting agencies,
banks, credit card providers, debit card providers, tax preparers, payroll service
providers, insurance agencies, bill payment agencies, ATM providers, lead generators,
pawn and title pawn services, automobile dealers, automobile financing, automobile
leasing, money transfer and remittance, bill payment, sale of money orders, insurance
services and financial service provider holding companies. This may also include
other types of businesses, such as advertisers on our website, magazine publishers,
retailers, and direct marketers. These companies may use the information that we
share for any legal purpose, including but not limited to, developing and promoting
new or joint products, improving existing products and services, and contacting
you to offer products and services that may be of interest to you.
We may also disclose any or all of Your Information to Affiliated Companies and
Non-Affiliated Third Parties that are financial institutions, or companies in the
businesses identified above, and with which we have joint marketing agreements.
In addition, we may disclose any or all of Your Information to companies that perform
services on our behalf. (“Service Providers”). We contract with service providers
to perform certain functions, including, database providers who assist in identity
verification, credit scoring companies, marketing demographics and consumer survey
companies, advertising and marketing companies, direct mail houses and other direct
marketing companies, and customer service support and call-center companies. Their
access is limited only to the Personal Data needed to perform their functions, and
only for the purpose of performing those functions, and they are prohibited from
using or disclosing the Personal Data for other purposes.
We also may release Your Information if it becomes necessary for compliance with
law or to protect the rights, property, or safety of our Website, our users, or
third parties. We reserve the right to release such Personal Data to law enforcement
or other governmental officials as we, in our sole and absolute discretion, deem
necessary to comply with the law. In addition, we reserve the right to use and disclose
all information that is not in individually identifiable form as we deem appropriate
in our sole discretion.
AUTOMATIC INFORMATION AND COOKIES:
We receive and store certain types of information whenever you interact with our
website. For example, like many Websites, we use "cookies" to obtain certain types
of information when your Web browser accesses our Website and when you login, such
as: your name and your email address. Cookies are pieces of information that are
transferred to your computer’s hard drive via your Web browser. They allow us to
provide you with a more convenient and personalized shopping experience by recording
information about your preferences.
A web browser is usually set to accept cookies automatically but can be changed
to decline them. The Help section of the toolbar on most browsers will tell you
how to prevent your browser from accepting new cookies, how to have the browser
notify you when you receive a new cookie or how to disable cookies altogether. In
most cases, a visitor may refuse a cookie and still fully navigate our Website.
Please note that the information in our cookies can be requested only by our Website.
Your browser will not pass these cookies to any other site.
YOUR PRIVACY CHOICES:
In some circumstances, you have the right to direct us to not share your information
with Our Affiliates and Non-Affiliated Third Parties (i.e. "opt-out"). Please note
that even if you opt-out, we may still share Your Information with Affiliated Companies
and Non-Affiliated Third Parties as permitted or required by law. We may share all
information we collect about you with affiliated and non-affiliated companies to
facilitate providing our services to you, to administer our business, in order to
receive services from those companies, as permitted under joint marketing agreements,
and as otherwise permitted or required by law.
To opt-out, you may contact us via email at
firstname.lastname@example.org or in writing at 3422 Old Capital Trail,
Suite 1109, Wilmington DE 19808.
You may also opt-out of receiving marketing-related emails from Cash In A Wink by
responding to any of our email communications with the word “remove” in the subject
You may opt-out at any time. Once we receive your opt-out request, we will stop
sharing this information as soon as reasonably practicable.
NOTICE TO CALIFORNIA RESIDENTS:
Pursuant to state law, we may not share information we collect about you with affiliated
or non-affiliated third parties, except in the limited circumstances permitted under
state law, or if you give us your permission.
California Civil Code Section 1798.83, also known as S.B. 27, allows California
residents to request certain information regarding our disclosures in the prior
calendar year, if any, of personally identifiable information to third parties for
their own direct marketing purposes. To make such a request, please contact us at
or write to us at 3422 Old Capital Trail, Suite 1109 Wilmington DE 19808.
NOTICE TO NORTH DAKOTA RESIDENTS:
Pursuant to state law, we will only share information with our service providers
and with third parties as required or permitted by law, or if you give us your permission.
NOTICE TO VERMONT RESIDENTS:
We will not disclose information about you with Affiliated Companies or Non-Affiliated
Third Parties, other than as required or permitted by law, without your express
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 products or services to you. We maintain
physical, electronic, and procedural safeguards to guard your non-public personal
information from unauthorized access.
OUR RIGHT TO CONTACT YOU:
We reserve the right to contact you regarding your account status and changes to
to you. By visiting our Website, you understand and agree that we may contact you
at the phone number or email address you enter on your loan application to assist
you with your loan or to discuss other products and services that Cash In A Wink
may provide for you.
By opting-in you are providing consent to use personal information to provide the
services you’ve requested, including services that display customized content and
**Your provider’s Msg & Data Rates may apply to our confirmation and all subsequent
You may opt-out and remove your SMS information by sending “STOP”, “END”, “CANCEL”,
“UNSUBSCRIBE” or “QUIT” to the SMS text message you have received. If you remove
your SMS information from our database, you number will no longer be used for secondary
purposes, disclosed to third parties and used by us for third parties to send promotional
correspondence to you.
Data obtained from you in connection with this SMS service may include your name,
address, cell phone number, your provider’s name, the date & time, and content of
your messages. We will not be liable for any delays in the receipt of any SMS messages,
as delivery is subject to effective transmission from your network operator. SMS
message services are provided on an AS IS basis. To view Terms & Conditions visit
or call our Toll-free 24-hour Opt-in/Opt-out line 1-800-241-5753.
To cancel text message alerts, simply reply STOP to the message received to opt-out
of respective text alert program or Text STOP to 75935!
Help or Support
For help, email us at email@example.com
or call 1-800-241-5753. To request help, get contact information or additional information
regarding our texting services anytime from your mobile device by replying the word
HELP to the message you receive.
ACCESS TO YOUR PERSONAL INFORMATION:
Cash In A Wink gives you access to view Personal Data in your account for the purpose
of updating that Personal Data. You can review and/or update your personal data
at your customer portal on our website or by contacting Customer Service.
COLLECTION AND USE OF BANK ACCOUNT INFORMATION FOR PURPOSES OF COLLECTING LOAN PAYMENTS:
If we extend credit to a consumer, we will consider the bank account information
provided by the consumer as eligible for us to process payments against. In addition,
as part of our information collection process, we may detect additional bank accounts
under the ownership of the consumer. We will consider these additional accounts
to be part of the application process and eligible for payment retrieval.
WE DO NOT COLLECT DATA FROM CHILDREN:
The information and services provided by us or by our affiliates, sponsors, and
advertisers, are not intended to be viewed by children (under 18 years old). No
information collected from children is knowingly collected or used for any purpose
whatsoever, including marketing and promotional purposes, either inside or outside
Cash In A Wink.
OUR RIGHT TO CHANGE THIS POLICY:
We reserve the right to change this policy at any time by notifying you of the existence