Effective Date: June 1, 2016
Information We Collect
Personally Identifiable Information
Check Loans collects several types of information that may identify a particular individual ('personally identifiable information'). Check Loans collects personally identifiable information when you provide it to us through your use of this site, such as completing one or more steps of an application form to apply for a loan. The types of personally identifiable information we collect include your name, telephone number, email address, date of birth, driver's license number and state, employment information, active military information, amount and frequency of pay checks, and information about your banking account.
We NEVER ask for your social security number on our website or by email!
Non-Personally Identifiable Information
Check Loans may share this non-personally identifiable information only in summary form with its partners for the purpose of aggregate web site statistical and trend analysis. This information is not associated to any personally identifiable information that can identify an individual person.
How We Use Your Information
We may also review your financial information and social security number to verify your identity and protect against possible fraudulent transactions.
Disclosing Personally-Identifiable Information
Check Loans may share your personally identifiable information (including, without limitation, your financial account information and social security number) with no one, save for businesses that may purchase our business or businesses that we may acquire. Those acquiring or acquired lenders may use your personally identifiable information to offer you a personal loan or to communicate with you about other business or promotional offers.
Check Loans will disclose your personally identifiable information in response to a subpoena or similar investigative demand, a court order, or a request for cooperation from a law enforcement agency or other government agency; to establish or exercise our legal rights; to defend against legal claims; or otherwise required by law. We will disclose your personally identifiable information when we believe disclosure is necessary to investigate, prevent, or take action regarding illegal activity, suspected fraud or other wrongdoing; to protect and defend the rights, property, or safety of our company, our employees, our website users, or others; or to enforce our website terms and conditions or other agreements or policies.
Your Choices About The Use Of Your Information And Opting Out
When you submit your information on Check Loans, you may receive email or text messaging. You will be given the opportunity, in any commercial email or text that we send to you, to opt out of receiving such messages in the future, unless they are for collection purposes. You may also opt out of receiving commercial emails by sending us an email at email@example.com or by using the 'Unsubscribe' link (if available) on our site. Please allow for up to 10 business days for your request to be to processed. If you remove your information from our database it will no longer be used for secondary purposes, disclosed to third-parties, or used by us or third-parties to send promotional correspondence to you. If your information has already been shared with a third party, it may be necessary to contact the third party directly to opt out of receiving information from them.
California Privacy Rights
California Civil Code Section 1798.83, also known as the 'Shine The Light' law, permits users who are residents of California to request and obtain once a year, free of charge, information about the information (if any) that was disclosed to third parties for direct marketing purposes in the preceding calendar year. If applicable, this information would include a list of the categories of personal information that was shared and the names and addresses of all third parties with which we shared information with in the preceding calendar year. If you are a California resident and would like to make a request, please submit your request in writing to firstname.lastname@example.org.
Wireless Privacy Rights
We may use personal information you've provided on this site to administer the services you've requested, including wireless services that display customized content and advertising. In addition to any fee of which you are notified of, your wireless provider's standard message rates apply to our confirmation and all subsequent SMS correspondence. You may opt out from further SMS messages and remove your SMS information from our database by responding 'STOP', 'END' or 'QUIT' to the SMS certain text messages you received, unless they are for collection purposes. If you remove your SMS information from our database it will no longer be used by us for secondary purposes, disclosed to third-parties, or used by us or third-parties to send promotional correspondence to you.
Security - How We Protect Your Information
Check Loans takes appropriate and reasonable security measures to help safeguard your personal and sensitive information. The information you enter into this website is protected using industry-compliant 256-bit encryption technology, keeping your information safe from unauthorized access, use, modification and disclosure. Transmission is also secured by secure socket layer technology (SSL). Please be advised that, although we take every reasonable technological precaution available to protect your data, no data transmission over the Internet can be guaranteed to be 100% secure.
Check Loans is a division of Mossycup Financial LLC. Our telephone number is (713) 677-0849.