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Privacy

Updated 4/8/14

YOUR USE OF THIS WEBSITE ("SITE") INCLUDING YOUR SUBMISSION OF PERSONAL INFORMATION AND AN APPLICATION TO BE MATCHED WITH A LENDER ("SERVICE") IS GOVERNED BY THIS PRIVACY POLICY AND THE TERMS OF SERVICE. YOUR USE OF THIS SITE, INCLUDING, WITHOUT LIMITATION, SUBMISSION OF AN APPLICATION TO BE MATCHED WITH A LENDER, CONSTITUTES YOUR AGREEMENT AND ACCEPTANCE WITHOUT MODIFICATION OF THIS PRIVACY POLICY AND THE TERMS OF USE. IF YOU DO NOT AGREE WITH THIS PRIVACY POLICY AND THE TERMS OF SERVICE, DO NOT SUBMIT AN APPLICATION TO BE MATCHED WITH A LENDER AND DO NOT USE THE SITE.

1. Agreement/No Notice

Your use of the Site constitutes your agreement to this Privacy Policy ("Agreement"). By using the Site and submitting an application to be matched with a lender, you agree and acknowledge that you have read this Privacy Policy and agree to be bound by its terms and conditions. To the extent that you do not understand any terms of this Privacy Policy, you are instructed to seek legal advice and by using this Site and submitting an application to be matched with a lender, you warrant that you have done so or decided not to do so.

We may change our Privacy Policy from time to time and will not notify you of any changes. Instead, you are required to review this Privacy Policy each time you use our Site to ensure that you agree with its terms and conditions. Any changes to our Privacy Policy will be effective immediately after they are posted on the Site. Your continued use of the Site constitutes your agreement to the changes and the new Privacy Policy.

2. Fastcash Is Not A Lender

Fastcash is not a lender and does not broker loans or make decisions about cash advances, payday loans or whether to provide credit. Fastcash is not an agent, representative or broker of any lender and does not charge for submitting applications to lenders. Fastcash cannot and does guarantee that a lender will provide you with a loan if you submit an application via our Site. This Privacy Policy is not an offer or solicitation for a loan.

3. Use of Your Personal Information

Although Fastcash is not a lender, we have decided to follow privacy policies generally required of Lenders to help safeguard your personal information. In order to provide you Services, we will submit the information you provide in your application, to lenders. We may combine your personal information obtained from your application with information we collect from third party sources to make sure our loan matching application records are accurate. If we sell some or all of our businesses, your personal information and site visitor information may be disclosed in connection with negotiations and transferred to a buyer. In such an event, your personal information may be subject to a different privacy policy.

Lenders have their own policies about how they use and whether they share your personal information. If you have questions or concerns about how a lender may use your personal information, please contact the lender directly.

4. Type of Personal Information Collected

The type of personal information we collect and share depends on your loan and product request. Personal information we collect may include but is not limited to:

  • Name, address, telephone number, email address, driver's license number, social security number, military status;
  • Information about your spouse or dependent(s);
  • Income, income sources, bank account information, ABA/Routing numbers, how you get paid, how often you get paid, next two pay dates;
  • Employment information, identification of individuals such as your job supervisor, length of time with employer;
  • Credit history and assets including whether you own or rent or own;
  • IP address, browsing data;
  • Your desired loan amount;
  • Any other information that may be required in a loan application.

5. Use of Cookies

We use cookies to provide faster and easier access to your account information, monitor traffic on the Site and measure traffic patterns to make improvements to the Site.

6. How We Collect Your Personal Information

We collect your personal information when you submit an application for a loan on our Site. We also collect your personal information from others, such as, but not limited to credit bureaus, affiliates, lenders and lead generators.

7. Sharing of Your Personal Information

Federal law gives consumers the right to limit some but not all sharing of personal information. In the table below, we list the reasons we share your personal information and whether you can limit the type of sharing.

Reasons we can share your personal informationDoes Fastcash share?Can you limit this sharing?
For our everyday business purposes, such as to forward your application information to Lenders, respond to legal investigations and court ordersYesNo
For our loan marketing services to youYesNo
For joint marketing with Lenders and affiliatesYesNo
For our affiliates' everyday business purposes, we share information about your loan applications and inquiriesYesNo
For our affiliates' everyday business purposes, we share information about your credit historyYesNo
For our affiliates to market to youYesNo
For nonaffiliates to market to you, we send your information to third party marketers and list managersYesNo

8. How You Can Limit Sharing

To request a change in how we share your personal information, please contact us.

9. Why You Cannot Limit All Sharing

Federal law gives you the right to limit only: (i) sharing for affiliates' everyday business purposes, information about your creditworthiness, (ii) affiliates from using your information to market to you and (iii) sharing for nonaffiliates to market you. State laws and individual companies may give you additional rights to limit sharing.

10. How Does Fastcash Protect Your Personal Information

In order to protect your personal information from unauthorized use and access, we use security measures that comply with federal law. These measures include but are not limited to, computer safeguards and secured files and buildings. Unless we specifically disclose it on our Site, we do not use encryption.

11. If You Have Questions

If you have any questions regarding our Privacy Policy, please contact us.

12. Definitions

Below we provide you with certain definitions which you may find helpful to understanding our Privacy Policy.

Affiliates: Companies related by common ownership or control. Affiliates can be financial and nonfinancial companies.

Nonaffiliates: Companies not related by common ownership or control. Nonaffiliates can be financial and nonfinancial companies.

Joint Marketing: A formal agreement between nonaffiliated companies to together market products or services to you. Our joint marketing partners include lenders; banks; lender generators and affiliate networks.

13. Email Protection Service

When we submit your application to Lenders, we may provide the Lender with a substitute e-mail address for you to reduce the potential of unwanted e-mails and spam. We will provide you with the substitute e-mail address we create for you and forward any legitimate e-mails related to your application or loan for six months after the date of your application. You agree and acknowledge that through this substitute e-mail address, we may have access to information regarding any loan made to you by a Lender or other correspondence sent to you by a Lender. At our sole discretion, we may also provide Lenders with the e-mail address you provided on your Application.

14. Third Party Advertisers

In order to provide our Services free of charge, we may display advertisements by third parties. By accessing or using this Site, you consent to receiving these advertisements. Advertisers may use their own tracking technologies, including cookies, to collect information about users of this Site. However, we do not provide advertisers with the personal account information you submit in an application via our Site.

When you click on an advertiser's advertisement on our Site, you may be redirected to a different website operated by that advertiser or that advertiser's marketing partner. The Privacy Policy of those third party websites are not covered by this policy. You should review the privacy statements and terms of use of all third party web sites you access.

We may also share some or all of your personally identifiable information such as your name, email, telephone and address with third party marketers and list managers with whom we have a business relationship, and these third party marketers and list managers may use this information to contact you about their marketing or to provide you with business offers via email, telephone, mail, text message (text message rates may apply) or other means.

15. Rights Available to California Residents

California residents may request that their personally identifiable information not be shared with third parties. California residents may send such requests via the contact us form on our site. Please include your full name, email address and mailing address in your communication to us. California residents may also file grievances and complaints with California Department of Consumer Affairs via mail at 400 R Street, Suite 1080, Sacramento, CA 95814 or by phone at 916-445-1254 or 800-952-5210 or by email to dca@dca.ca.gov.