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.
By providing your cell phone number and opting in to the SMS program, you have provided us with consent to send you text messages in conjunction with the services you have requested – this may include loan application update notifications, marketing and promotions, payment reminders and account updates etc depending on your choices. Your cellular provider’s Msg&Data Rates May Apply to our confirmation message and all subsequent messages. 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 contact us using the following information: Kwikcash 9150 Irvine Center Drive Irvine, CA 92618.
We are able to deliver messages to most of the major and minor mobile phone carriers: Major carriers: AT&T, Verizon Wireless, Sprint, T-Mobile, MetroPCS, U.S. Cellular, Alltel, Boost Mobile, Nextel, and Virgin Mobile. Minor carriers: Alaska Communications Systems (ACS), Appalachian Wireless (EKN), Bluegrass Cellular, Cellular One of East Central IL (ECIT), Cellular One of Northeast Pennsylvania, Cincinnati Bell Wireless, Cricket, Coral Wireless (Mobi PCS), COX, Cross, Element Mobile (Flat Wireless), Epic Touch (Elkhart Telephone), GCI, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri), Illinois Valley Cellular, Inland Cellular, iWireless (Iowa Wireless), Keystone Wireless (Immix Wireless/PC Man), Mosaic (Consolidated or CTC Telecom), Nex-Tech Wireless, NTelos, Panhandle Communications, Pioneer, Plateau (Texas RSA 3 Ltd), Revol, RINA, Simmetry (TMP Corporation), Thumb Cellular, Union Wireless, United Wireless, Viaero Wireless, and West Central (WCC or 5 Star Wireless). ***Carriers are not liable for delayed or undelivered messages***
Opt-out or STOP This policy applies to the text messages sent by Kwikcash to our customers while and after they use our product. If you wish to stop receiving any requested messages from Kwikcash, simply text STOP to that message. If you wish to stop receiving ALL messages you have opted in to, at once, type STOP ALL in the reply text you send us. Your stop request will become effective [within one day]. You may also stop text messages by calling us [or emailing us] using the contact information below. Info@kwikcashonline.com or 1-800-478-6230. 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.
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.
|Facts||WHAT 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:
|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 information||Does 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 bureaus||YES||NO|
|For our marketing purposes – to offer our products and services to you||YES||NO|
|For joint marketing with other financial companies||YES||NO|
|For our affiliates’ everyday business purposes – information about your transactions and experiences||YES||YES|
|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||YES||YES|
|To limit our sharing||Call (800) 478-6230 or visit us online: www.kwikcashonline.com or contact us at firstname.lastname@example.org
|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
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
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.|
|Affiliates||Companies related by common ownership or control. They can be financial and nonfinancial companies.|
|Nonaffiliates||Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|Joint marketing||A formal agreement between nonaffiliated financial companies that together market financial products or services to you.