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Cash Lenders Express
Privacy Policy
Last Updated August 04, 2008
BY VISITING THIS WEBSITE AND REQUESTING INFORMATION, PRODUCTS OR SERVICES, YOU
AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS PRIVACY POLICY. IF YOU DO
NOT AGREE WITH THE TERMS OF THIS PRIVACY POLICY, PLEASE DO NOT PROVIDE ANY
INFORMATION OR USE ANY OF THE SERVICES OR PRODUCTS OFFERED OR PROVIDED ON ANY OF
THE WEBSITES REFERRED TO IN THIS PRIVACY POLICY.
PLEASE NOTE: THIS PRIVACY POLICY CHANGES FROM TIME TO TIME AND CHANGES ARE
EFFECTIVE UPON POSTING. PLEASE CHECK BACK FREQUENTLY FOR UPDATES AS IT IS YOUR
SOLE RESPONSIBILITY TO BE AWARE OF CHANGES. WE DO NOT PROVIDE NOTICES OF CHANGES
IN ANY MANNER OTHER THAN BY POSTING THE CHANGES AT THIS WEB SITE.
This policy describes the information collection, use, and dissemination
practices of Cash Lenders Express, LLC, a Delaware Limited Liability Company,
its parents, subsidiaries and registered d/b/a companies (Collectively Referred
herein after as "Company") and all related websites owned or registered to
Company and applies to Company's collection, use, storage and disclosure of
information by Company on its (a) websites, including all its divisions,
subsidiaries and related companies (collectively, the "Websites"), (b) on
various Third Party websites, and (c) to Company's other information collection,
including the acquisition of customer information from third parties. Company is
not responsible for the information collection or privacy practices of third
party websites or applications.
By reference, this Privacy Policy is incorporated into and is subject to the
Terms and Conditions pertaining to the use of the website. Your use of the
website and any personal information you provide via the website or through
other official Company contact remains subject to this Privacy Policy as well as
the applicable Terms and Conditions for use of the site or services and products
contained thereon.
By providing us with your personal information on our website or in the course
of using our services, you consent to the transfer of your Personal Data and
Sensitive Personal Data, and any other data we acquire about you from
third-party service providers in the process of evaluating you for a loan, to
companies outside the EU, including but not limited to, other consumer credit
lenders and their affiliates.
Information Collection, Use, and Dissemination practices:
This policy applies to Company's collection, use, storage and disclosure of
information by Company on its, (a) websites, including all its parent companies,
divisions, subsidiaries and related companies (collectively, the "Websites"),
(b) on various third party websites, and (c) to Company's other information
collection, including the transfer of opt-in customer lists from third parties,
or the use of customer opt-in lists from third parties. Company is not
responsible for the information collection or privacy practices of third party
websites or applications.
1. Collection of Information.
1.1. User Direct Information:
Each time you provide transmit information via the Website, Company may obtain
and collect personally identifiable information provided by you, including, but
not limited to, your name, email address, mailing address, social security
number, credit card information, and telephone number. You may also provide us
with information that, when combined with personally identifiable information,
provides us with a better idea of who you are, including but not limited to your
gender, birthday, marital status, and education level (collectively referred to
as "personal information"). If you choose to access our website, use our
services or purchase our products, we may require you to provide personal
information as indicated on the forms throughout the site.
1.2. Survey Information:
Company may collect information from you when you voluntarily complete a Company
survey, order form, or a registration page either online by using the internet,
offline by providing this information through the mail, in person or using a
telephone. This information may be collected by surveys, order forms, or
registration pages operated by third parties. This method of collection is
collectively known as a "Survey." In such Surveys, Company or a third party may
ask you to provide personal identifiable information including your name, email
address, street address, zip code, telephone numbers (including cell phone
numbers and carriers), birth date, gender, salary range, education and marital
status, occupation, social security number, employment information, personal and
online interests, and such other information as may be requested from time to
time. Company may also collect such information concerning you from another
source and uses that information in combination with information provided from
the Websites. Completing the Surveys is completely voluntary, and you are under
no obligation to provide Survey Information to Company or a third party.
1.3. Third Party Information:
Company may collect information from you when you provide information to a third
party and Company subsequently acquires the information from the third party.
Such information may include, but is not limited to, your name, email address,
street address, zip code, telephone numbers (including cell phone numbers and
carriers), birth date, gender, salary range, education and marital status,
occupation, industry of employment, personal and online interests, and such
other information as the you may have provided to the third party. When
acquiring this information, Company seeks assurances from the third party that
you agreed to provide and have such information acquired by Company. If you did
not give express permission, or you would like to remove your permission, you
may suppress all of your information by sending notification to us at
legal@customerpermissionservices.com.
1.4. Other Methods of Collecting Personal Information:
Other occasions when Company obtains information from you include (1) your
claiming a prize or seeking to redeem an offer by Company or by a third party,
(2) your requests for assistance through Company's customer service department,
and (3) when you voluntarily subscribe to a Company service or newsletter.
1.5. Cookies, Web Beacons, and Other Info Collected Using Technology:
Company currently uses cookie and web beacon technology to associate certain
Internet-related information about you with information about you in its
database. Additionally, Company may use other new and evolving sources of
information in the future.
(a) Cookies:
"Cookies" are a feature on your browser software. If enabled, we may write
cookies that may store small amounts of data on your computer about your visit
to any of the pages of this Site. Cookies assist us in tracking which of our
features appeal the most to you and what content you may have viewed on past
visits. When you visit this site again, cookies can enable us to customize our
content according to your preferences. We may use cookies to: keep track of the
number of return visits to this site; accumulate and report aggregate,
statistical information on website usage; deliver specific content to you based
on your interests or past viewing history; save your password for ease of access
to our Site. You can disable cookies, although the Site may not function
properly for you. Your browser preferences can be modified to accept or reject
all cookies, or request a notification when a cookie is set. You may read more
about cookies at http://cookiecentral.com. In order to use all of the features
and functionality of Company's websites, you need to accept cookies.
(b) Web Beacons:
A web beacon is a programming code that can be used to display an image on a web
page, but can also be used to transfer your unique user identification to a
database and associate you with previously acquired information about an
individual in a database. This allows Company to track certain websites you
visit. Web beacons are used to track online behavioral habits for marketing
purposes to determine products or services you may be interested in. In addition
to using web beacons on web pages, Company also uses web beacons in email
messages sent to individuals listed in Company's database.
(c) IP Addresses:
Company automatically tracks certain information based upon your behavior on the
site. We may use this information to do internal research on our users'
demographics, interests, and behavior to better understand, protect and serve
you and our community. This information may include the URL that you just came
from (whether this URL is on the site or not), which URL you next go to (whether
this URL is on the site or not), your computer browser information, and your IP
address. Your Internet Protocol ("IP") is a unique Internet "address" which is
assigned to you by your Internet Service Provider ("ISP"). For local area
network ("LAN"), DSL, or cable modem users, an IP address may be permanently
assigned to a particular computer. IP addresses are automatically logged by Web
servers, collecting information about a user's traffic patterns. While the IP
address does not identify an individual by name, it may, with the cooperation of
the ISP, be used to locate and identify an individual using the Web. Your IP
address can, however, reveal what geographic area you are connecting from, or
which ISP you are using. Finally, other websites you visit have IP addresses,
and we may collect the IP addresses of those websites and their pages.
(d) Computer Profiles:
Company may also collect and accumulate other anonymous data which will help us
understand and analyze the Internet experience of our visitors. For instance,
Company may accumulate visitor data relating to referring domain names, the type
of browsers used, operating system software, screen resolutions, color
capabilities, browser plug-ins, language settings, cookie preferences, search
engine keywords and JavaScript enablement. When you provide us with Personal
Identification Information, we are able to use such visitor data to identify
you.
(e) Data Analysis:
Data Analysis technology may be employed from time to time if used by a Client
of Company.
(f) New Technology:
The use of technology on the Internet, including cookies and web beacons, is
rapidly developing. As a result, Company strongly encourages individuals to
revisit this policy for any updates regarding its use of new technology.
1.6. No Information Collected from Children:
Company will never knowingly collect any personal information about children
under the age of 13. If Company obtains actual knowledge that it has collected
personal information about a child under the age of 13, that information will be
immediately deleted from its database. Because it does not collect such
information, Company has no such information to use or to disclose to third
parties. Company has designed this policy in order to comply with the Children's
Online Privacy Protection Act ("COPPA").
1.7. Credit Card Information:
Company may, in certain instances, collect credit card numbers and related
information when an individual places an order from Company. When the credit
card information is submitted to Company, such information is encrypted and is
protected with SSL encryption software. Company will use the credit card
information for purposes of processing and completing the purchase transaction,
and the credit card information will be disclosed to third parties only as
necessary to complete the purchase transaction.
2. Use of Individual Information.
The following section describes how IWH uses personal information. The uses
described in these sections may change at any time. IWH may also broaden its use
of your personal information. IWH may also use your personal information to
provide commercial promotional offers to individuals or entities through, among
other things, email advertising, telephone marketing, direct mail marketing,
banner advertising and package stuffers.
2.1. General Use:
The following paragraphs in Section 2 describe how Company currently uses
Individual Information, but Company may change or broaden its use at any time.
As noted below, Company may update this policy from time to time. Company may
use Individual Information to provide promotional offers to individuals by means
of email advertising, telephone marketing, direct mail marketing, online banner
advertising, and package stuffers, among other possible uses.
2.2. Email and Unsubscribe Policy:
Company uses Individual Information to provide promotional offers by email to
individuals. Company may maintain separate email lists for different purposes.
If email recipients wish to end their email subscription from a particular list,
they need to follow the instructions at the end of each email message to
unsubscribe from the particular list. To unsubscribe from all Company 's email
lists, a person must send an email to
unsubscribe@customerpermissionservices.com.
Company's unsubscribe process
impacts only the future delivery of electronic mailings disseminated by Company
on its own behalf. You may still receive electronic mailings sent on behalf of
Third Parties and your personal information may still be shared with Third
Parties for use in offline marketing and data appends, including email appends.
You should also note that unsubscribing from Company's electronic mailings will
not automatically unsubscribe the subscriber's information from any Third Party
business associates and licensees of the data. Since Third Party associates and
licensee partners maintain separate databases from Company, and you will need to
unsubscribe from each source individually, if desired. This allows you the
freedom to pick and choose which subscriptions to maintain and which to
discontinue.
2.3. Content of Email Messages:
In certain commercial email messages sent by Company, an Advertiser's name will
appear in the "From:" line but hitting the "Reply" button will cause a reply
email to be sent to Company. The "Subject:" line of Company email messages will
usually contain a line provided from the Advertiser to Company.
2.4. Solicited
Email:
Company only sends email to individuals who have agreed on the Websites
to receive email from Company or from a third-party consumer credit lender with
whom Company shares information in accordance with this Privacy Policy, or to
individuals who have agreed on a Third Party website to receive email from Third
Parties. As such, Company does not send unsolicited email messages. As a result,
United States statutes requiring certain formatting for unsolicited email are
not applicable to Company's email messages.
2.5. Targeted Advertising:
Company
uses Individual Information to target advertising to an individual. When an
individual is using the Internet, Company uses Technology Information to
associate an individual with that person's Individual Information, and Company
attempts to show advertising for products and services in which the person has
expressed an interest in the Surveys, indicated an interest by means of
Technology Information, and otherwise. Company may, at its discretion, target
advertising by using email, direct mail, telephones, cell phones, and other
means of communication to provide promotional offers.
2.6. Telemarketing:
Company uses Individual Information to advertise, directly or indirectly, to
individuals using direct mail marketing or telemarketing using telephones and
cell phones. By registering and using this Site, You acknowledge that the
processing of your individual information may involve the transfer of such
Individual information from within or outside the European Economic Area ("EEA")
to countries within or outside the EEA whose data protection regulation may not
be as stringent as that within the European Union. We may use individual
information to provide the services you've requested, including services that
display customized content and advertising.
2.7. Wireless Addresses:
If the
e-mail address you provide to Company is a wireless e-mail address, you agree to
receive messages at such address from Company or its business associates (unless
and until you have elected not to receive such messages by following the
instructions in the unsubscribe portion of this policy). You understand that
your wireless carrier's standard rates apply to these messages.
2.8. Solicited
Email:
Short Message Service. Company may make available a service through which
you can receive messages on your wireless device via short message service ("SMS
Service"). Data obtained from you in connection with this SMS service may
include your name, address, cell phone number, your provider's name, and the
date, time, and content of your messages. You represent that you are 18 years of
age and the owner or authorized user of the wireless device on which messages
will be received, and that you are authorized to approve the applicable charges.
In addition to any fee of which you are notified, your provider's standard
messaging rates apply to our confirmation and all subsequent SMS correspondence.
All charges are billed by and payable to your mobile service provider. Company
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. Company may also obtain the
date, time and content of your messages in the course of your use of the SMS
Service. We will use the information we obtain in connection with our SMS
Service in accordance with this Privacy Policy. If fees are charged to your
wireless account invoice, we may provide your carrier with your applicable
information in connection therewith. Your wireless carrier and other service
providers may also collect data about your wireless device usage, and their
practices are governed by their own policies.
You acknowledge and agree that the
SMS Service is provided via wireless systems which use radios (and other means)
to transmit communications over complex networks. We do not guarantee that your
use of the SMS Service will be private or secure, and we are not liable to you
for any lack of privacy or security you may experience. You are fully
responsible for taking precautions and providing security measures best suited
for your situation and intended use of the SMS Service. We may also access the
content of your account and wireless account with your carrier for the purpose
of identifying and resolving technical problems and service-related complaints.
Company may use personal information to provide the services you've requested,
including services that display customized content and advertising. Company may
also use personal information for auditing, research and analysis to operate and
improve our technologies and services. Company may share aggregated and non
personal information with third parties business associates. When Company uses
business associates to assist Company in processing your personal information,
Company requires that they comply with our Privacy Policy and any other
appropriate confidentiality and security measures. Company may also share
information with third parties, including but not limited to, when complying
with legal process, preventing fraud or imminent harm, and ensuring the security
of our network and services.
You may remove your information from Company's
database. If you remove your information from Company's database it will no
longer be used by Company for secondary purposes, disclosed to third parties, or
used by Company or third parties to send promotional correspondence to you. You
may remove your information by sending your request in writing via email to
legal@customerpermissionservices.com or by sending "STOP", "END", "QUIT" to the
SMS text message you have received.
2.9. Use of Technology Information:
Company
uses Technology Information (1) to match a person's Survey Information and Third
Party List Information to other categories of Individual Information to make and
improve profiles of individuals, (2) to track a person's online browsing habits
on the Internet, (3) to determine which areas of Company's websites are most
frequently visited. This information helps Company to better understand the
online habits of individuals so that Company can target advertising and
promotions to them.
2.10. Profiles of Individuals:
Company uses Individual
Information to make a profile of an individual. A profile can be created by
combining Survey Information and Third Party List Information with other sources
of Individual Information such as information obtained from public databases.
2.11. Storage of Individual Information:
Company stores the Individual
Information in a database on its' computers. Our computers have security
measures (such as a firewall) in place to protect against the loss, misuse, and
alteration of the information under Company's control. Notwithstanding such
measures, Company cannot guarantee that its security measures will prevent its
computers from being illegally accessed, and the Individual Information on them
stolen or altered.
3. Use of Personal Information.
Company uses your personal
information in the following 3 ways: Customer Service; Sharing your personal
information with a consumer credit lender where applicable, Marketing; and
Complying with Legal Process.
3.1. Customer Service:
The following section
informs you of how the Company will use your personal information.
3.2. Credit
Lenders:
By providing us with your personal information on the website or in the
course of using our services, you consent to the transfer of your Personal Data
and Sensitive Personal Data, and any other data we acquire about you from
third-party service providers in the process of evaluating you for a loan to
consumer credit lenders and their affiliates. These companies may be located
outside the EU.
3.3. Marketing:
Company will use your personal information for
any marketing and survey purpose on behalf of Company and its affiliates and
subsidiaries to send information to you about additional goods or services that
may be of interest to you. In addition, Company will disclose your personal
information to third party agents and independent contractors to help us conduct
our marketing and survey efforts and to share with other companies in connection
with marketing efforts including but not limited to direct marketing. You may
have no relationship with these other companies.
3.4. Complying with Legal
Process:
Company will use or disclose your personal information in response to
subpoenas, court orders, warrants, or legal process, or to otherwise establish
or exercise our legal rights or defend against legal claims or in the event you
violate or breach an agreement with Company. Company will use and disclose your
personal information if we believe you will harm the property or rights of
Company , its owners, or those of Company 's other customers. Finally, we will
use or disclose your personal information if we believe it is necessary to share
information in order to investigate, prevent, or take action regarding illegal
activities, suspected fraud, situations involving potential threats to the
physical safety of any person, violations of Company's acceptable use policy, or
as otherwise required by law when responding to subpoenas, court orders and
other legal processes.
3.5. Order Fulfillment:
Company will transfer your
personal information to third parties when necessary to provide a product or
service that you order from such third party while using Company's websites or
when responding to offers provided by Company.
3.6. Data Summary:
Company may
sell or transfer non-individualized information, such as summary or aggregated
anonymous information about all persons or sub-groups of persons.
3.7. Third
Parties:
Company may provide your personal information to third parties with whom
they have a business relationship for the purposes of securing the services and
products you have requested or provide you with additional marketing materials
from which you may choose additional products or services.
3.8. Our right to
Contact You:
By using our website, you consent to Company, or a consumer credit
lender with whom Company shares information in accordance with this Privacy
Policy, to contact you by phone or email for marketing purposes or regarding
your account status and changes to subscriber agreements, privacy policy, or any
other policies or agreements relevant to you.
4. Privacy Practices of Third
Parties.
4.1. Advertiser cookies and web beacons:
Advertising agencies,
advertising networks, and other companies who place advertisements on the
websites and on the internet generally may use their own cookies, web beacons,
and other technology to collect information about individuals. Company does not
control the use of such technology and Company has no responsibility for the use
of such technology to gather information about you.
4.2. Links:
The websites and
email messages sometimes contain hypertext links to the websites of third
parties. Company is not responsible for the privacy practices or the content of
such other websites. Linked websites may contain links to websites maintained by
third parties. Such links are provided for your convenience and reference only.
Company does not operate or control in any respect any information, software,
products or services available on such third party websites. The inclusion of a
link to a website does not imply any endorsement of the services or the site,
its contents, or its sponsoring organization.
4.3. Affiliations/Merger/Sale:
Company further reserves the right to disclose, transfer or sell your personal
information to companies who are affiliated with Company in Company's sole
discretion. If Company changes ownership through an acquisition, merger, sale or
other change of business status, it reserves the right to transfer or assign the
right to use your Personal Information collected from the Website.
5. Foreign
use of the Website.
To the extent that you are accessing the Website while
domiciled outside of the United States, you acknowledge that the Personal
Information you are providing Company is collected and stored in the United
States and therefore consent to the transfer of information to and storage of
the information outside of your domiciled country and in the United States. You
further consent to the transfer of your Personal Data and Sensitive Personal
Data, and any other data we acquire about you from third-party service providers
in the process of evaluating you for a loan, to companies outside the EU,
including but not limited to, other consumer credit lenders and their
affiliates.
6. California User Consumer Rights.
In accordance with California
Civil Code Sec. 1789.3, California resident users are entitled to know that they
may file grievances and complaints with California Department of Consumer
Affairs, 400 R Street, STE 1080, Sacramento, CA 95814; or by phone at
916-445-1254 or 800-952-5210; or by email to dca@dca.ca.gov. For more
information about protecting your privacy, you may wish to visit:
http://www.ftc.gov
7. Fraud Prevention.
If false or inaccurate information is
provided, including in relation to a person’s identity and fraud is identified,
details about this information, including customer Personal Data, will be passed
to fraud prevention agencies. Law enforcement agencies may access and use this
information. We and other organizations may also access and use this information
to prevent fraud and money laundering, for example when: checking details on
applications for credit and credit related and other facilities; managing credit
and credit related accounts or other facilities; recovering debt; checking
details on proposals and claims for all types of insurance; and checking details
of job applicants and employees. For further details of the relevant fraud
prevention agencies please contact us as described in this Privacy Policy
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