We collect information required to verify your identity, to determine whether or not you qualify for our loan products, to process your loan including disbursement of funds to your bank account and processing your payments through your Employer or directly from you. We collect information that includes your personal information, social security number, personnel information including salary and payroll withholdings and deductions and employment status, full bank account information. We may collect additional information from or about you in other ways, such as through contact you've made with our customer support team, or from third parties such as credit bureaus and identity verification services. In addition, when you visit our website, we collect information sent to us by your computer, mobile phone or other access device. The information sent to us includes data on the pages you access, your computer IP address, device identifiers, the type of operating system you're using, your location, mobile network information, standard web log data and other information. Web log data includes the browser type you're using and traffic to and from our website.
When you access our website, we may place small data files on your computer or other devices. These data files may be cookies, pixel tags, or other local storage provided by your browser or associated applications ("Cookies"). We use these technologies to recognize you as a customer, help ensure that your account security is not compromised, mitigate risk and prevent fraud, and measure promotional effectiveness.
We may use both session and persistent Cookies. Session Cookies expire and no longer have any effect when you log out of your account or close your browser. Persistent Cookies remain on your device until you erase them or they expire.
We encode our Cookies so that we can interpret the information stored in them. You are free to decline our Cookies if your browser or browser add-on permits, but doing so may interfere with your use of our website. Refer to the help section of your browser, browser extensions, or installed applications for instructions on blocking, deleting, or disabling Cookies.
The security of your personal information is our priority. Throughout our website and processes we protect your personal information using bank-level data security: 128 bit-encryption and a Secure Sockets Layer (SSL) protocol that creates an encrypted connection between your browser and our servers. We also maintain physical, electronic and procedural safeguards that meet applicable law. When we use the term "personal information" it means information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been made anonymous so that it does not identify a specific user.
Our primary purpose in collecting personal information is to provide you with a secure, smooth, efficient, and customized experience. We may use your personal information to compare information for accuracy and verify it with third parties, provide customer support, process transactions and send notices to validate your email and other electronic communication about your transactions, resolve disputes, collect fees, and troubleshoot problems, prevent potentially prohibited or illegal activities, and enforce our Terms and Conditions, customize, measure, and improve the content, layout, and operation of our website and programs, deliver targeted marketing, service update notices, and promotional and educational materials, contact you at any email or telephone number, by placing a voice call or through text (SMS) or email messaging.
We do not sell or rent your personal information to third parties for their marketing purposes and only share your personal information with third parties as described in this policy.
We share some of your personal information with your Employer or company that your Employer uses to process payroll in order to process your loans. We also share some of your personal information with our banking partners to process your loans and repayments.
We may also share your personal information with our customer support team, service providers under contract with us who help with our business operations such as fraud prevention, bill collection, marketing, and technology services. We may share your personal information with Credit bureaus and collection agencies to report account information, as permitted by law. In addition, we may share your personal information with law enforcement, government officials, or other third parties pursuant to a subpoena, court order, or other legal process or requirement when we need to do so to comply with law or regulations, or when we believe, in our sole discretion, that such disclosure of personal information is necessary to prevent financial loss, or to report suspected illegal activity.
If you have questions or concerns regarding this policy, you should contact us by sending an email to firstname.lastname@example.org.
This policy was last modified November 12, 2013.