Payday Loan Cash Advance Privacy Policy

AmeriCash Advance Privacy Policy

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AmeriCash Advance Privacy Policy
Texas Credit Access Business (CAB) Privacy Policy

AmeriCash Advance Privacy Policy

Rev. January 2011

FACTS	WHAT DOES AmeriCash Advance DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and income Account balances and payment history Credit history and credit scores.
How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons AmeriCash Advance chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information		Does AmeriCash Advance share?	Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus		Yes	No
For our marketing purposes – to offer our products and services to you		No	We Do Not Share
For joint marketing with other financial companies		No	We Do Not Share
For our affiliates' everyday business purposes – information about your transactions and experiences		Yes	No
For our affiliates' everyday business purposes – information about your creditworthiness		Yes	Yes
For our affiliates to market to you		Yes	Yes
For nonaffiliates to market to you		No	We Do Not Share
To limit our sharing	Call 877-369-6700 – our menu will prompt you through your choice(s); or Contact us via email: [email protected]. Please note: If you are a new customer, we can begin sharing your information from the date you become a customer. However, you can contact us at any time to limit our sharing.
Questions?	Call 877-369-6700; go to www.americashadvance.com; email us at [email protected].

What we do?
How does AmeriCash Advance protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain physical, electronic and procedural safeguards i.e. computer virus protection software, firewalls, 128 bit Secure Socket Layer. Only authorized employees have access.
How does AmeriCash Advance collect my personal information?	We collect your personal information, for example, when you Apply for a loan Give us your income information Provide employment information Provide account information Give us your contact information We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only Sharing for affiliates’ everyday business purposes-information about your creditworthiness Affiliates from using your information to market to you Sharing for nonaffiliates to market to you. State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.
Definitions
Affiliates	Financial and nonfinancial companies related by common ownership or control. Our affiliates include companies with a common corporate identity of AmeriCash Advance such as Nations Cash Source, LLC and/or PaydayCashLoans.com.
Nonaffiliates	Financial and nonfinancial companies not related by common ownership or control. Nonaffiliates we share with can include direct marketing companies for application resell, direct mail and other purposes.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include financial institutions, credit card companies, partners that promote our products, pre-paid debit card providers and other lending companies.

Other important information

Vermont residents: We will not disclose information about you with affiliates or non-affiliated, third party companies or financial institutions, other than as required or permitted by law, without your express permission.
California residents: We will 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.
North Dakota residents: We will not disclose information about you with non-affiliated, third party companies or financial institutions, other than as required or permitted by law, without your express permission.
Nevada residents: If you would like more information regarding this notice or Nevada’s law regarding corporate do-not-call registries, you can contact us at the toll-free number or address included in this notice or the Bureau of Consumer Protection, Office of the Nevada Attorney General at 555 E. Washington Street, Suite 3900, Las Vegas, Nevada 89101; Phone: (702)486-3132/Email: [email protected].
Collection and use of Bank Account Information:: 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.

Texas Credit Access Business (CAB) Privacy Policy

Rev. January 2011

FACTS	WHAT DOES AmeriCash Advance EXPRESS DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and income Account balances and payment history Credit history and credit scores.
How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons AmeriCash Advance chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information		Does AmeriCash Advance share?	Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus		Yes	No
For our marketing purposes – to offer our products and services to you		Yes	No
For joint marketing with other financial companies		No	We Do Not Share
For our affiliates’ everyday business purposes – information about your transactions and experiences		No	We Do Not Share
For our affiliates' everyday business purposes – information about your creditworthiness		Yes	Yes
For our affiliates to market to you		No	We Do Not Share
For nonaffiliates to market to you		No	We Do Not Share
To limit our sharing	Call 877-369-6700 – our menu will prompt you through your choice(s); or Contact us via email: [email protected]. Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?	Call 877-369-6700; go to www.americashadvance.com; email us at [email protected].

What we do?
How does AmeriCash Advance protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain physical, electronic and procedural safeguards i.e. computer virus protection software, firewalls, 128 bit Secure Socket Layer. Only authorized employees have access.
How does AmeriCash Advance collect my personal information?	We collect your personal information, for example, when you Apply for a loan Give us your income information Provide employment information Provide account information Give us your contact information We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only Sharing for affiliates’ everyday business purposes-information about your creditworthiness Affiliates from using your information to market to you Sharing for nonaffiliates to market to you. State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.
Definitions
Affiliates	Financial and nonfinancial companies related by common ownership or control. Our affiliates include companies with a common corporate identity of AmeriCash Advance such as Nations Cash Source, LLC and/or PaydayCashLoans.com.
Nonaffiliates	Financial and nonfinancial companies not related by common ownership or control. Nonaffiliates we share with can include direct marketing companies for application resell, direct mail and other purposes.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include financial institutions, credit card companies, partners that promote our products, pre-paid debit card providers and other lending companies.

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