PRIVACY POLICY

This Privacy Policy is provided by Fast Money USA (“Fast Money USA”, “we”, or “us) and describes the collection, use, sharing, storage, and protection of your non-personal and personal information by Fast Money USA. Please read this policy carefully to understand what we do with your non-personal and personal information and how you can limit some sharing of such information.

This Privacy Policy describes the collection, use, sharing, storage, and protection of your non-personal and personal information by Fast Money USA. Please read this policy carefully to understand what Fast Money USA does with your non-personal and personal information and how you can limit some sharing of such information.

What information does Fast Money USA collect?

Fast Money USA may collect your non-personal and personal information anytime you interact with Fast Money USA, such as when you visit the Site, purchase any of Fast Money USA’s products or services online, fill out Fast Money USA’s application form, otherwise contact Fast Money USA, or when Fast Money USA contacts you. Fast Money USA may also collect your personal information from third parties, such as employers and consumer reporting agencies.

Non-personal information – this refers to information that does not by itself identify you as a specific individual.

For example, non-personal information may include (without limitation):

    1. The Uniform Resource Locator (“URL”) of the last website visited by a user before visiting the Site.
    2. Which URL a user goes to after visiting the Site.
    3. What browser a user is using.
    4. A user’s Internet Protocol (“IP”) address.
    5. Cookies –pieces of information which a web server may place on a user’s computer or other device when a user visits a website to facilitate the user’s Internet session, to maintain security and to improve the user’s experience.

Personal information – this refers to information that can be associated with you and could be used to identify you.

For example, personal information may include (without limitation):

    • Mailing address, email address, and phone number
    • Social security number
    • Income
    • Account balances
    • Credit card information
    • Transaction and financial information
    • Payment history
    • Employment information
    • Creditworthiness and credit history information
    • Bank account information

How does Fast Money USA use your information?

Fast Money USA may use your non-personal and personal information for the following purposes from time to time:

    • To provide you with access to the Site, services, and products.
    • To enhance the operation of the Site, service and process your transaction(s), improve Fast Money USA’s marketing and promotional efforts, statistically analyze Site use, improve Fast Money USA’s service and product offerings, and customize the Site’s content, layout, and services.
    • To deliver information to you and contact you regarding administrative notices.
    • To resolve disputes, troubleshoot problems and enforce Fast Money USA’s agreements with you, including without limitation, Fast Money USA’s Terms of Use, Consumer Loan Agreement(s), and this Privacy Policy.
    • To market Fast Money USA’s services and products to you.
    • Any other purpose that is permitted by law.

Does Fast Money USA share your information?

  • Fast Money USA may share your non-personal and personal information described above from time to time with Fast Money USA’s Affiliates (as defined below) and Non-Affiliates (as defined below) as permitted by law, such as (without limitation) for Fast Money USA’s business and marketing purposes, servicing and processing your transaction(s), sending you informational, marketing, and promotional content, maintaining and servicing your account(s), reporting to credit bureaus, and responding to court orders and legal investigations.
  • Fast Money USA may share your non-personal and personal information described above from time to time with Non-Affiliates pursuant to a Joint Marketing Agreement (as defined below).
  • Fast Money USA may share your non-personal and personal information described above from time to time with Fast Money USA’s Affiliates for Fast Money USA’s Affiliates’ everyday business purposes and marketing purposes.
  • Fast Money USA may share your non-personal and personal information described above from time to time with Non-Affiliates so that they can market services and products to you.

How can you share information about your Site experience on social media sites?

  • Fast Money USA may offer services that allow you to share information with third party social media sites such as Facebook, Twitter, LinkedIn, Pinterest, and others. Please note that if you share information with these third party social media sites, different rules may apply to their use and/or sharing of the information you provide them.

How can you limit sharing of your personal information? You can limit sharing of your personal information for the following purposes:

  1. Sharing for Fast Money USA’s Affiliates to market services and/or products to you;
  2. Sharing for Non-Affiliates to market services and/or products to you; and
  3. Sharing information about your creditworthiness for Fast Money USA’s Affiliates’ everyday business purposes.

If you wish to limit sharing of your personal information for any or all of the three above-described purposes, please contact Fast Money USA by calling 888.907.4227 – a recorded message will prompt you through your choice(s).

When does Fast Money USA begin sharing your personal information?

  • Except as otherwise described in the next sentence, Fast Money USA may begin sharing your information immediately.  If you are a new customer, Fast Money USA may, thirty days after this Privacy Policy is accepted, begin sharing (a) your personal information with Fast Money USA’s Affiliates and Non-Affiliates to market services and/or products to you, and (b) information about your creditworthiness with Fast Money USA’s Affiliates.  If you are an existing or former customer, Fast Money USA can continue to share your information as described in this Privacy Policy. Please note that regardless of whether you are a new, existing, or former customer, at any time you can limit Fast Money USA’s sharing of your information by following the instructions set forth above in the section entitled “How can you limit sharing of your personal information?”

How does Fast Money USA safeguard your personal information?

  • Fast Money USA understands the importance of protecting your personal information. Fast Money USA maintains physical, electronic and procedural safeguards that comply with applicable law to protect your personal information. 

How can you limit the collection and use of some of your non-personal information?

  • You have the ability to control how some of your non-personal information is collected and used online by controlling whether to accept cookies. If you prefer not to accept cookies, you can change your browser settings to disable cookies, but if you do so, please note that you will not be able to apply for a loan on the Site or access or use your online account.

Will this Privacy Policy change?

  • Please note that Fast Money USA reviews its privacy practices from time to time, and that such practices are subject to change. Fast Money USA reserves the right to change this Privacy Policy at any time by posting revised versions of this Privacy Policy on the Site.Your use of the Site constitutes your acknowledgement of and agreement to the Privacy Policy that is posted on the Site at that time of such use.

Is this Privacy Policy subject to Fast Money USA’s Terms of Use?

  • Yes, if you choose to visit the Site, any dispute over privacy is subject to this Privacy Policy and Fast Money USA’s Terms of Use.

  • Affiliates – companies related by common ownership or control. They can be financial or nonfinancial companies.

Fast Money USA’s Affiliates include (without limitation) retailers, the companies (other than Fast Money USA) identified above in the first paragraph of this Privacy Policy, and other lenders.

  • Non-Affiliates – companies not related by common ownership or control. They can be financial or nonfinancial companies.

Non-Affiliates may include (without limitation) companies engaged in direct marketing and selling of consumer products and services.

  • Joint Marketing Agreement – a formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Effective Date: November 18, 2016.