PRIVACY POLICY


 

Kwikcash is committed to protecting the individual privacy rights of all of its clients. Kwikcash strongly believes that it has a responsibility to protect from disclosure to any unauthorized parties, your nonpublic and personal information. This policy applies to each and every customer. Therefore, Kwikcash has adopted and implemented this privacy policy to protect your account and your personal information. As our customer, we collect and receive nonpublic personal information about you. This includes information such as your name, Social Security Number, birth date, employment information, and income.
 

Information Collection

Kwikcash will collect the following kinds of nonpublic personal information about you:

  • Information we receive from you on applications or other forms, such as your name, date of birth, contact information, income and obligations;
  • Information we receive from you about your transactions with us, our affiliates, or others, such as prior loans, terms, payoffs, and payment history;
  • Information we receive from consumer reporting agencies, such as your credit history and credit worthiness; and
  • Information we receive as a result of verifying your information with non-affiliated third parties, such as employment history and loan balances.
 

No Information Sharing Policy

Kwikcash does not disclose any nonpublic personal information that we collect about our customers or former customers, as described above, to anyone, except as permitted by law.

 

USA Patriot Act

In order to assist the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens a loan account. What this means to you: When you open a loan account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents.
The information being requested and observed is for compliance with the requirements of Section 326 of the USA Patriot Act implementing customer identification and verification requirements. This information in no way will be used in making the credit decision on your completed application.

 

Security Policy

Securing of a customers’ nonpublic personal information is very important to Kwikcash. Kwikcash employees are required to sign a privacy policy agreement stating that that they are aware of Kwikcash’ policy regarding the use of and disclosure of customer information. Kwikcash has also taken extra steps and put in place several security measures to protect our customers’ personal information from loss, misuse, or alteration. When customers send their personal identifying information to Kwikcash via the Kwikcash website, Kwikcash requires that a secure session be established first, using Secure Socket Layer (SSL) technology supporting up to 256-bit encryption to prevent unauthorized persons from viewing any private information being transmitted during your application process. Information transmitted between the Kwikcash server and your computer must be sent only while in a secure mode or Kwikcash will have no responsibility for any loss or exposure of personally identifying information to unauthorized third parties during a secure SSL session, data passed between the customer’s computer and Kwikcash computer servers are secured through the use of public key cryptography. The customer’s computer exchanges key information with Kwikcash servers to create a private conversation that only the customer’s computer and Kwikcash computer servers may understand. To benefit from SSL protection, customers must use a browser with SSL capabilities. This method of information transfer will apply when the customer is entering in personal information, execution of and submittal of the online promissory note, for validation and verification purposes during your communications through our server and processing systems.

While using the Kwikcash website, customers will be notified upon entering and leaving a secured session, unless the setting is turned off on the customers’ browser. After leaving a secured session, information transmitted to Kwikcash will not be secure. For security purposes, Kwikcash uses various software programs to monitor web site traffic and to identify unauthorized attempts to upload or change information or otherwise to cause damage to the Kwikcash website. These programs do not collect personally identifying information about customers, but do enable Kwikcash to collect information allowing Kwikcash to identify website users attempting to tamper with the Kwikcash website. Kwikcash has policies in place against the misuse, misappropriation, unauthorized access, tampering, damage, destruction, or unlawful utilization of the Kwikcash websites and computer systems and will seek the maximum enforcement of state, federal, and international criminal and civil laws against any individual engaging in such activity. Please note that when customers send electronic mail messages (e-mail) to Kwikcash, the customers’ messages will contain the customers’ return e-mail address. Thus, Kwikcash may utilize customers’ e-mail addresses in order to respond to customer inquiries and the content of customers’ e-mail in formulating a response. Kwikcash  will permanently record and store any substantive e-mail received from its customers. Customer e-mail sent to Kwikcash is not necessarily secure against interception. Do not initiate communication with Kwikcash by email if your communication will include nonpublic personal information like your Social Security Number, bank account number, or other personally identifying information that you wish to protect. Although Kwikcash does its best to protect and secure information submitted to it over the internet, your use of this website is strictly at your own risk. Kwikcash makes no representations that it can guarantee the security of any information sent by the users of this website during an unsecured session. Kwikcash protects the security of its servers but cannot be responsible for any virus, spy ware, ad ware, malicious codes and /or hacker activity that may result in damage to your computer or theft of your identifying information.

 

Additional Security Feature of Shared Secrets

Shared secrets are a security method for accessing confidential information. A shared secret is something known only to the user and the holder of the confidential information. Shared secrets usually consist of a user ID and password. These shared secrets allow the user to log into the site of the holder of confidential information such as a Credit Card issuer or financial institution. Shared secrets are necessary for a safe and dependable online authentication procedure. In order to minimize potential compromise of your shared secrets, you should create passwords that are a combination of both letters and numbers.

 

Kwikcash Information Retention Policy

Kwikcash will maintain electronic and hardcopy loan application information for funded/closed/withdrawn and declined loans for a period of years in accordance with all mandated federal and State Laws. If you would like to receive copies of any such information, you must notify Kwikcash in writing with your request so that the proper authentication and forwarding information can be verified.

 

FactsWHAT DOES KWIKCASH, INC. 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 Kwikcash, Inc. chooses to share; and whether you can limit this sharing.

When you are no longer our customer, we continue to share your information as described in this notice.

Reasons we can share your personal informationDoes Kwikcash, Inc. 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 bureausYESNO
For our marketing purposes – to offer our products and services to youYESNO
For joint marketing with other financial companiesYESYES
For our affiliates’ everyday business purposes – information about your transactions and experiencesYESYES
For our affiliates’ everyday business purposes – information about your creditworthinessYESYES
For our affiliates to market to youYESYES
For nonaffiliates to market to youYESYES

 

To limit our sharingCall (800) 478-6230 or visit us online: www.kwikcashonline.com or contact us at info@kwikcashonline.com

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 (800) 478-6230 or go to www.kwikcashonline.com

 

What We Do
How does Kwikcash, Inc. 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.
How does Kwikcash, Inc. collect my personal information?We collect your personal information, for example, when you

  • Open an account or pay us by check
  • Provide account information or give us your contact information
  • Show your driver’s license

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 non-affiliates companies to market to you

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else?Your choices will apply to everyone on your account – unless you tell us otherwise.

 

Definitions
AffiliatesCompanies related by common ownership or control. They can be financial and nonfinancial companies.
NonaffiliatesCompanies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Nonaffiliates we share with can include other financial services companies, lenders, insurance companies, retailers, membership clubs, or other consumer service providers.
Joint marketingA formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include other financial services companies, lenders, insurance companies or other consumer service providers.