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 about your transactions with us 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.
Information Sharing
Kwikcash does not sell your nonpublic personal information. We share it only as needed to run our business and as permitted by law, for example with the lender that makes your loan, with service providers that help us verify your information, process your application, and service your account, and when required by law or legal process. We do not share your information with affiliates, and we do not share it with other companies so they can market to you.
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. We use this information to verify your identity as part of reviewing your application.
Texting
Account messages. If you give us your mobile phone number, a Kwikcash representative may occasionally send you a text message about your application or account, such as a question about a payment or a request for documents. These messages are sent individually by our staff, not by an automated system, and do not contain marketing. If you would prefer that we not text you, reply STOP or let us know using the contact information below, and we will contact you another way.
Marketing messages (optional). If you opt in through one of our sign-up forms, we may send you recurring marketing text messages about our products and offers. Consent to receive marketing text messages is not a condition of obtaining a loan or any other product or service. Message frequency varies. Message and data rates may apply. Reply STOP to any message to unsubscribe, or HELP for help. Carriers are not liable for delayed or undelivered messages.
Your mobile information. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging opt-in data and consent will not be shared with any third parties.
Stopping messages. Your stop request will become effective within one business day. You may also stop text messages by calling us or emailing us at info@kwikcashonline.com or 1-800-478-6230. If you have any questions about this policy, would like us to mail you a paper copy, or are having problems receiving or stopping our text messages, contact us at the email or phone number above or by mail at Kwikcash, 28532 Airoso Street, Rancho Mission Viejo, CA 92694. If we change this text message policy, we will post the updated policy on this page.
Security Policy
Securing our customers’ nonpublic personal information is very important to Kwikcash. Access to customer information is limited to employees who need it to serve your account, and they are required to keep it confidential and follow Kwikcash’s policies on the use and disclosure of customer information. Kwikcash maintains administrative, technical, and physical safeguards designed to protect our customers’ personal information from loss, misuse, or alteration.
Our entire website is served over a secure, encrypted connection (HTTPS using Transport Layer Security, or TLS). Information you enter on our website, including your application and your electronic signature on your loan documents, is encrypted while it travels between your browser and our servers. Use a current, up-to-date web browser to make sure your connection is protected.
For security purposes, Kwikcash uses software to monitor website traffic and to identify unauthorized attempts to upload or change information or otherwise cause damage to the Kwikcash website. Kwikcash has policies in place against the misuse, misappropriation, unauthorized access, tampering, damage, destruction, or unlawful use 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.
When you send an email to Kwikcash, your message will contain your return email address. Kwikcash may use your email address and the content of your message to respond to your inquiry, and will keep a record of substantive emails received from customers. Email is not necessarily secure against interception. Do not send us nonpublic personal information like your Social Security Number, bank account number, or other personally identifying information by email. Although Kwikcash does its best to protect and secure information submitted to it over the internet, no method of transmission or storage is completely secure, and Kwikcash cannot be responsible for any virus, spyware, adware, malicious code, or hacker activity on your own computer or device 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. To protect your shared secrets, create a strong password that combines letters, numbers, and symbols, do not reuse passwords from other sites, and never share your password with anyone. Kwikcash will never ask you for your password.
Kwikcash Information Retention Policy
Kwikcash will maintain electronic and hardcopy loan application information for funded, closed, withdrawn, and declined loans for at least seven years, or longer where required by federal or state law. 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:
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| 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), or respond to court orders and legal investigations | 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 don’t share |
| For our affiliates’ everyday business purposes – information about your transactions and experiences | NO | We don’t share |
| For our affiliates’ everyday business purposes – information about your creditworthiness | NO | We don’t share |
| For our affiliates to market to you | NO | We don’t share |
| For nonaffiliates to market to you | NO | We don’t share |
| Questions? | Call (800) 478-6230, email info@kwikcashonline.com, 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 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. |
| Definitions | |
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies.
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| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
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| Joint marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
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