Welcome to Approved Cash Advance
Approved Cash Advance Company Privacy Notice
At Approved Cash Advance Company (hereinafter “ACAC") we take our ethical responsibilities and your privacy seriously. We are committed to protecting the privacy and security of our customers’ personal information and ensuring the accuracy of such information. We collect and maintain information about our customers to enable us to protect the security of their transaction relationships, conduct our business in a manner consistent with laws and regulations for financial institutions, provide customers with information and offers on products and services to meet their needs, and to satisfy legal requirements.
This Privacy Policy describes how ACAC collects personal information, the types of personal information we collect, our use of current and former consumer information, as well as the steps that we take to maintain the confidentiality and accuracy of such information. This policy also explains how customers can exercise their privacy rights by electing to opt-out of certain information sharing practices that we would otherwise apply to their nonpublic personal information. If you conduct transactions with ACAC and/or use the company’s web site you explicitly agree to the terms and conditions of the Privacy Policy in effect at that time. In compliance with industry standards and regulations enforced by Federal and State governmental bodies, we abide the following Privacy Policy.
How We Obtain Personal Customer Information.
This policy principally governs ACAC’s use of non-public personal customer information. Non-public personal information is defined in applicable law and generally means financial information that is identified with an individual that is not obtainable from a public source. For example, a customer’s check cashing transaction activity is non-public information. Non-public information includes any list, description, or other grouping of customers that is created using non-public information (whether or not the list also includes public information). Non-public information does not include any list, description, or grouping that is created using only public information.
We obtain personal customer information primarily from our customers (for example when they request that we complete a financial transaction on their behalf). We may also obtain such information from other sources (for example, if a customer applies for a loan we may obtain a credit report on them and ask that they authorize us to verify their personal financial information). If we are unable to obtain such information as our business may require from our customers, we may be prevented from providing them with a service and/or may be compelled to discontinue providing a service that we previously provided to them. We also maintain personal customer information resulting from their experience and transaction activity with us.
When we need to collect personally identifiable information from a customer to execute a requested transaction or provide a customer with a particular service, we will ask the customer to voluntarily supply us with the information we need. We may ask customers to provide information such as, but not limited to: name, address, telephone number, email address, demographic information (such as income level and gender), account balances with creditors, payment histories, account activity, and other information that may be contained in the customer’s credit card statements or other reports relating to debt, and credit bureau reports, collection agency reports or other communications, and other information relating to payment histories, creditworthiness, annual income, or ability to satisfy financial obligations. This information may be collected from, but not limited to, the following sources: our communications with you, including information obtained when you register for a ACAC service or otherwise volunteer such information, your transactions with us, our affiliates, or others; outside companies, such as consumer reporting agencies, and public sources, such as bankruptcy records and real estate records.
How ACAC Uses A Customer’s Personal Information
We use customer personal information for legitimate business purposes in a manner consistent with industry practices in compliance with applicable laws and regulations. We may disclose nonpublic personally identifiable information about a customer in order to effect or carry out any transaction that the customer has requested of us or as necessary to complete our contractual obligations with the customer. We Reserve The Right To, Share, Sell, Rent Or Otherwise Transfer/Disclose A Customer’s Personal Information To Third Parties For Any Purpose In Our Sole Discretion In Accordance With Applicable Laws. We may share a customer’s personally identifiable information with affiliated companies that are directly or indirectly controlled by, or under common control of ACAC. We may send personally identifiable information about a customer to non-affiliated companies that are not directly or indirectly controlled by, or under common control of, ACAC. We may disclose nonpublic personal information about customers to our affiliates. We may also disclose nonpublic personal information about customers to the following types of third parties: credit reporting agencies, collection agencies, bad debt buyers, banks, tax preparation service providers, and debt settlement companies or credit counseling companies a/k/a consumer debt assistance programs. Finally, we may disclose nonpublic personal information about customers to persons who collect data on certain segments of the consumer finance industry, such as marketing companies, academics, trade associations, and professional firms. We may change or broaden the use of customers’ personal information at any time. We may use customer’s personal information to provide customized content, promotional offers to individuals by means of email advertising, telephone marketing, direct mail marketing, banner advertising, and other possible uses. We may sometimes use customers’ personally identifiable information in other ways, including sending promotional materials, and sharing information with third parties so that these third parties can send customers promotional materials and communications that directly promote the use of Web sites, or the purchase of products or services.
Protecting Personal Customer Information From Unauthorized Access
Safeguarding customer non-public personal information is important to ACAC. We maintain systems, policies and procedures to protect such information from being accessed by unauthorized persons. We limit employee access to personal customer information to those with a legitimate business reason for such access. We will retain personal information as long as deemed necessary and appropriate to best serve customers’ potential future financial transaction services needs, conform to safe and sound practices, or satisfy legal requirements. We train our employees in our privacy policy and procedures, and they are held accountable for adhering to them.
ACAC employs generally accepted industry standards to protect customer non-public personal information. We maintain physical safeguards, such as secure areas in buildings; electronic safeguards, such as passwords and encryption; and procedural safeguards, such as customer authentication procedures to help prevent ID theft. ACAC processes personal information on servers in the United States employing physical and software safeguards. Access to information is restricted to authorized employees obtaining the information for business purposes.
Service Providers
ACAC requires the use of outside companies, other third parties, to provide certain services. We will share only as much information as is determined necessary for the provision of such services. We require that all third parties hired by ACAC comply with our Privacy Policy and take appropriate precautions in order to maintain the confidentiality and security of customer non-public information. Third parties engaged by ACAC are prohibited from using or sharing customers’ non-public personal information for any purpose other than the job they were hired to do by or on behalf of ACAC.
Links to Other Internet Web Sites
ACAC’s Web site may contain links to other web sites which are not owned or controlled by the company. Please be aware that this Privacy Policy only addresses ACAC’s use and disclosure of information collected. ACAC is not responsible for the privacy practices of the web sites of other companies.
Children.
Consistent with the Federal Children's Online Privacy Protection Act of 1998 (COPPA), ACAC will never knowingly request personally identifiable information from anyone under the age of 13 without requesting parental consent.
How To Limit Our Use Or Disclosure Of Your Own Personal Information
By providing information to ACAC you are consenting to the collection, use and disclosure of such personal information in the manner described in this Privacy Policy. We provide customers the opportunity to withdraw their consent when such information is collected or at any later time by following the procedure described in this Choice/Opt-Out provision. A customer’s election to opt-out of our information sharing practices will apply to all products and services that customer receives from us. If a customer has previously opted-out of our information sharing practices, we will continue to honor that opt-out; the customer may, but need not, opt-out again. A customer may decline to provide personal information to us, although by declining to provide requested information some financial transactions may not be approved or completed. Such consent may be withdrawn by calling 1-423-614-2315 or may be done in writing/email and sent to our customer service department at the following physical address or email address: Approved Cash Advance Company, Attn: Daniel Millsaps, Re: Privacy Policy Opt-Out, P.O. Box 2038, Cleveland, Tennessee 37320 or email to dmillsaps@approvedcashadvance.com. For convenience you may simply detach the below opt-out notice and mail to the address indicated.
Legal Disclaimer
We reserve the right to disclose customers’ personally identifiable information, as required, to comply with the law, applicable regulations, governmental requests, judicial proceedings, court orders or subpoenas, to enforce our Legal Notices or other agreements, or to protect our rights, property or safety, or to protect the property or safety of our users or others and to ensure the security of our network and services.
Business Transitions
In the event ACAC goes through a business transition, such as a merger, acquisition by another company, or sale of all or a controlling interest, ACAC customers’ personally identifiable information will likely be transferred. Customers may be notified via a prominent notice in our branch offices and/or on our Web site for 30 days of any such change in ownership or control of your information.
Changes to this Privacy Policy
We reserve the right to modify this Privacy Policy at any time. The provisions contained in this Privacy Policy supersede all previous notices or policies regarding our privacy practices. Any and all changes will be made here, to this Privacy Policy. Upon any material changes to the Privacy Policy, we will post those changes to this Privacy Policy.
Contact Us
If you have any questions, comments, complaints or suggestions regarding our privacy policy or our web site, please contact us.
OPT-OUT NOTICE
You may opt-out of our information sharing practices by mailing this, or any other, Opt-Out Notice to us at the following address:
- Approved Cash Advance Company
- Attn: Daniel Millsaps, Re: Privacy Policy Opt Out
- P.O. Box 2038
- Cleveland, Tennessee 37320.
Do not share nonpublic personal information about me with your affiliates, other than nonpublic personal information relating to your
transactions and experiences with me.
Do not share nonpublic personal information about me with nonaffiliated third parties, other than as permitted or required by law.
| ______________________________ | ______________________________________ | _____________________ |
| Signature: | Street Address: | Home Phone Number: |
| ______________________________ | ______________________________________ | _____________________ |
| Printed Name: | City and State: | Cell Phone Number: |
| ______________________________ | ____________________________________________________________ | |
| Date: | SS# (or most recent transaction date, branch, type, and amount) | |
Revised: December 31, 2009
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