Cash 2 U (“Cash 2 U” or “we”) respect your privacy and are committed to protecting your information that may be collected through your use of our website or mobile application (together, “Site”) or in applying for or receiving any of our products or services (“Services”). This privacy policy (“Policy”) describes how we collect and use your information and how you can control that use.
Please read this Policy carefully. By using our Site or Services, you agree to our collection, use, and sharing of your information as described in this Policy. Learn more about Cookies and Tracking.
Information that We Collect
Through your use of our Site and Services, we may collect information, which is information that identifies an individual or relates to an identifiable individual. information may include, but is not limited to, your first and last name, physical address, Social Security number, date of birth, and checking account information. We collect the following types of information:
Information Provided by You
If you express interest in one of our Services, we will collect certain information from you, including contact information (such as name and email), which we will use to contact you. We may request additional information that is necessary to process any application submitted by you, such as your physical address, Social Security number, mobile phone number, date of birth, bank account information and numbers, employment and income information. Additionally, we may collect information to verify your identity, for security-related purposes, or other administrative purposes. In order to provide Services to you, we may on occasion supplement the information you submit to us with information from third-party sources, such as consumer report information.
If you contact us, tell us your story, or otherwise provide us with information about yourself, we will maintain records of your correspondence. This may include any of your questions, comments, or suggestions. You may also provide us with the email addresses of your contacts and include a personal message to your contacts if you choose to participate in our referral program.
Account and Transaction Information
We collect information about your use of our Services. For example, in processing a payment with you, such information would include your name, amount of payment, and your bank account information, including account numbers, routing numbers, debit card numbers and similar information. Other information that we collect includes your transaction history, payment history, and account balance. We also collect tokens from online services and payment systems.
Device and Usage Information
We may automatically collect the following types of information as you use our Site and Services.
Usage Information: We collect certain information automatically through your use of the Site, such as which of our web pages you access, the frequency of access, and what you click on while on our Site.
Location Information: We may collect information about your actual location which may be determined from: IP address, GPS, and other sensors that may reveal information on nearby devices, Wi-Fi access points, and cell towers.
Device Information: We may collect information about the device you are using such as: hardware model, operating system, application version number, browser, and IP addresses.
Mobile Device Information: In addition to the Device Information listed above, when you access our Site or Services via a browser on your mobile device or through the use of our mobile application, we may also collect mobile network information including phone number, the unique device identifier assigned to that device, mobile carrier, operating system, and other device attributes.
Cookies and Other Tracking Technologies
A cookie is a small text file that is stored on a user’s computer for record-keeping purposes.
Session Cookies: We use session cookies to make it easier for you to navigate our Site. The session ID cookie expires 24 hours after you sign into our Site.
Persistent Cookies: We use persistent cookies that remain on your hard drive for an extended period of time. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our Site. You can remove persistent cookies by following directions provided in your Internet browser’s “help” file.
If you reject cookies, you may still use our Site, but your ability to use some areas of our Site may be limited. For example, you cannot create an account with us or take out a loan or other product without accepting cookies.
We may use a software technology called tracking pixels (a.k.a. web beacons or clear gifs) that help us better manage content on our Site by informing us what content is most effective. Tracking pixels are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user’s computer hard drive, tracking pixels are embedded invisibly on Web pages and are about the size of the period at the end of this sentence.
We may also use other website or mobile tracking technologies, such as device fingerprinting, to identify you and keep track of your preferences, prevent fraudulent activity or improve Site security, assess the performance of the Site, and deliver content to you based on your interests on our site and third-party sites.
Cookies & Targeting: If you would like to opt out of our third-party vendors’ cookies, the Network Advertising Initiative provides a tool that allows you to do so.
Aggregate Information
Statistical or aggregated information does not directly identify a specific person, but it may be derived from your information. For example, we may aggregate information to calculate the percentage of users in a particular ZIP code.
Third Party Data Collection
Some content or applications on the Site may be provided by third parties, including advertisers, ad networks and servers, analytics companies, and application providers. These third parties may use cookies or other tracking technologies to collect information about you when you use our Site. The information they collect may be associated with your information or they may collect information, including information, about your online activities over time and across different websites and other online services.
We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. Some of these third parties may provide you with ways to choose not to have your information collected or used for targeted advertising.
How We Use and Share Information
We use information we collect in the following ways:
Process Transactions: We use information to provide our Services, including to consider loan applications, make loans, process payments, and keep track of your points.
Communicate: We use information to communicate with you about our Site and Services. This may include payment reminders, information that you have requested, or notification of important changes to our Site and Services.
Marketing: We may occasionally send you information about products and services that we believe will be of interest to you. During any such communication, we will provide you with the option not to receive any future marketing communications.
Specific Purposes: You may be asked to provide information for a specific purpose. For example, if you participate in our referral program, you will be asked for information about your contacts. We will only use the information that you provide for the purpose for which you provided it to us.
Customer Support: We may use your information to provide you support or other services you have ordered. For example, we may need your information in order to provide technical support or answer questions about your account.
Post Testimonials: If you choose to tell us your story or otherwise give a testimonial, we will review such information and may post such testimonial on our Site along with your name and any other information that you choose to disclose on your testimonial. By submitting a testimonial, you consent to posting any information and content, including video content, you provide in such testimonial on our Site. If you submit a testimonial, you may revoke such consent at any time by calling (phone number here).
Site Maintenance: We analyze how our users interact with our Site and Services in order to maintain and improve our Site and Services. We also use information that we collect to diagnose any problems with our Site or Services to improve the user experience.
We reserve the right to share information, including information, with third parties, as described below:
Service Providers: We may share information with service providers that help us perform functions and process your transactions.
Affiliates: We may share information with a parent company, subsidiaries, joint ventures, or other companies under common control with us.
Other Companies: We may share information with other companies for purposes of marketing our products to you or for analyzing our business and transactions.
Corporate Structure: We may share information in connection with a merger, acquisition, consolidation, change of control, or sale of all or a portion of our assets or if we undergo bankruptcy or liquidation.
To Prevent Harm: We may share information if we believe it is necessary in order to detect, investigate, prevent, or take action against illegal activities, fraud, or situations involving potential threats to the rights, property, or personal safety of any person.
As Required by Law: We will share information where we are legally required to do so, such as in response to court orders or legal process, to establish, protect, or exercise our legal rights, to defend against legal claims or demands, or to comply with requirements of mandatory applicable law.
With your Consent: We may request your permission to share your information for a specific purpose. We will notify you and request consent before you provide the information or before the information you have already provided is shared for such purpose.
Without Identifying You: We may share information in a manner that does not identify you. For example, we may share anonymous, aggregate information about your use of our Site and products with our service providers.
Cash 2 U provides you with certain “opt-out” rights from having your information used or shared for certain purposes. For more information regarding your rights related to our sharing of your non-public personal information, please call (phone number here).
Text Message Policy
When you provide us your cell phone number and opt in to our text messaging program, you have provided us with express consent to send you text messages about your loan, such as payment reminders. You may also opt in to receive marketing messages about other services we offer, including special offers you may be eligible for. Your cellular provider’s message and data rates may apply to our confirmation message and all subsequent messages. We do not charge you for any text messages we send you.
You understand the text messages we send may be seen by anyone with access to your phone. Accordingly, you should take steps to safeguard your phone and your text messages if you want them to remain private. Please notify Finance America immediately if you change mobile numbers or plan to provide your phone to another person.
If we modify this Text Message Policy, we will notify you by sending you a text message with a link to the new policy. We may terminate our text message program at any time. If you have any questions about this policy, would like us to mail you a paper copy of this policy or are having problems receiving or stopping our text messages, please call 866.775.6091.
By opting in, you agree and expressly consent to be contacted by us, our agents, employees, and/or affiliates through the use of email, and/or telephone calls and/or SMS text messages to your cellular, home or work phone numbers, as well as any other phone number you have provided in conjunction with this account, including with the use of automatic telephone dialing systems, autodialers, or an artificial or prerecorded voice.
Opt-out or STOP
If you wish to stop receiving marketing text messages from us, reply to any marketing text message we have sent you with STOP. If you wish to stop receiving account maintenance text messages from us, such as payment reminders, reply to any account maintenance text message we have sent you with STOP. If you wish to stop receiving all text messages from us, type STOP ALL in the reply text you send us. Your stop request will become effective within one day.
Help or Support
If at any time you need our contact information or information on how to stop text messages, reply to any text message we have sent you and in the reply text simply type HELP. Upon receiving your text message, we will send you a text message with our phone number, a link to this policy, and instructions on how to stop text messages. The number of text messages that we send to you per month will depend on your specific account details. It is our policy to send no more than two marketing messages per month. Some of the text messages we send may include links to websites. To access these websites, you will need a web browser and Internet access.
Correction
If your information changes, or if you no longer desire our service, you may correct or update your information by contacting us at: (phone number here) or privacy@Cash2U.com. If you have an account with us and your account is in good standing, you may also correct or update your information by logging into to your account on our Site and updating your information there.
Security
The security of your information is important to us. We maintain reasonable physical, technical, and administrative security measures to protect and limit access to your information. No method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your information, we cannot guarantee its absolute security. If you have any questions about the security on our Site, you can contact us at (phone number here).
Other Websites
The Site may contain links to or links from third party sites that are not owned or controlled by Cash 2 U. We have no control over the content, privacy policies, or practices of any third-party site. You are subject to the policies of those third-party sites where applicable. We encourage you to review the privacy policies of these third-party sites before you disclose your information.
Browser Do Not Track
The Site is not currently configured to respond to Do Not Track signals.
Children’s Privacy
Our Site and Services are not intended for use by children. We do not knowingly collect personal information from children under the age of 13 years. If we become aware that a child under 13 has opened an account or otherwise provided us with information, we take steps to terminate the child’s account and delete such information.
Applicable Law
This is a United States-based Site that is subject to United States law. This Site is controlled, operated, and administered by Cash 2 U from its offices within the United States of America. This Policy is provided in accordance with and subject to applicable U.S. law. If you are accessing this Site from a location outside the United States, you hereby agree that your use of this Site and our collection and use of your information is subject to this Policy.
Updates to this Policy
We reserve the right to modify this Policy at any time, so please review it frequently. If we decide to make material changes to this Policy, we will post those changes to this Site in a manner that we deem is appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. You agree to these future updates by continuing to use our Site or Services after they have been posted. You can always obtain a copy of the most updated Policy by calling (phone number here).
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Cash 2 U
Last Updated: December 2019
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