This disclosure replaces any disclosure previously delivered or appearing on our website, any transaction agreement, application, loan document or any other document previously delivered.
This notice is provided on behalf of eMoneyUSA and and their respective family of companies including eMoneyMissouri, LLC and all of their respective subsidiaries and affiliates, (hereafter collectively referred to as the “eMoneyUSA Related Companies,” “we,” “our,” or “us”). “You” or“Your” means you as a participant in or as a user of the products and/or services offered by a eMoneyUSA.
All information transmitted, printed or otherwise submitted to us shall be deemed to be our property and we shall be free to use such information for any lawful purpose described herein, and for other purposes as required or permitted by law.
This notice provides important information about the way we collect, share, and protect your information. This disclosure applies to anyone who applies for or uses our products or services, or visits our websites, including, but not limited to, current and former customers. We must notify you about our sharing practices when you establish a customer relationship and each year while you are a customer. A customer relationship begins when you obtain a financial product or service from us. A customer relationship terminates when you pay off a transaction in full.
eMoneyUSA collects the following information:
We collect personal identifiable information, including, but not limited to, non-public personal information, as well as other types of personally identifiable information from you and from other sources as described herein (collectively, “Your Information”). Our primary goal in collecting Your Information helps us provide you with efficient, accurate, and customized financial products and services. Your Information helps us personalize and improve your customer experience. We collect and/or track the following types of information:
- Information we receive from you on applications or other forms, such as transaction documents, sales documents, online forms, e-mails, registration forms, surveys, or other documents or submissions related to the products and services we provide, including your name, address, telephone number, social security number, driver’s license number, email address, employment information, demographic information, bank account information, and information about your assets, debts and income;
- Information about your transactions with us, our affiliates, or others, such as your account history, transaction balances, payment history, overdraft history, parties to transactions, and your reasons for doing business with us;
- Information we receive from third parties, such as consumer reporting agencies and other lenders, regarding your credit worthiness and credit history, and to verify your identity;
- Information we obtain to verify representations made by you, such as your employment history or income;
- Information obtained from specialized marketing information firms, such as household demographics;
- Information obtained from Web page http headers (home server domain names, IP address, type of client computer, and type of Web browser);
- Information, user specific or aggregate, we receive from our web pages recording visitor’s access;
- Information you provide when you contact our customer service department; and
- Information you provide to us when you communicate with us via email.
What do we do with your information?
We use Your Information to:
- Customize products and services
- Offer additional products or services, from us or from others, that may be of interest to you;
- Comply with all reporting and other legal requirements;
- Process payments and update account records;
- Analyze customer demographics, payment histories, and preferences;
- Conduct statistical analyses
Do we share your information?
eMoneyUSA Related Company delivering this disclosure to you may share Your Information with any other eMoneyUSA Related Company (collectively, its “Affiliated Companies”) and with other companies with whom any eMoneyUSA does business (“Non-Affiliated Third Parties”) as permitted by law and described in this disclosure. These Affiliated Companies and Non-Affiliated Third Parties may be (1) financial service providers, deferred presentment providers, collection agencies, consumer reporting agencies, banks, credit card providers, debit card providers, bill payment agencies, ATM providers, money transfer and remittance providers, or agents, contractors, or representatives of any of the foregoing; (2) non-financial companies, such as tax preparers, payroll service providers, advertisers, marketing companies, lead generators, advertisers on our websites, companies or individuals that do industry-related research, surveys or polls, and any person who offers a non-financial product or service, and holding companies, or agents, contractors, or representatives of any of the foregoing; and (3) other businesses, such as and industry analysts or agents, contractors, or representatives of any of the foregoing.
Affiliated Companies and Non-Affiliated Third Parties may use Your Information for any legal purpose, including, but not limited to, developing and promoting new or joint products, improving existing products and services, and contacting you to offer products and services that may be of interest to you. We may also disclose Your Information, as described above, to companies who perform services on our behalf or to other financial institutions with which we have joint marketing agreements.
eMoneyUSA may also disclose Your Information to Affiliated Companies and Non-Affiliated Third Parties that provide services to us (“Service Providers”). We contract with service providers to perform certain functions on our behalf. Examples include database providers who assist in identity verification, credit scoring companies and direct marketers. Their access is limited only to the personal data needed to perform their functions, and only for the purpose of performing those functions, and they are prohibited from using or disclosing Your Information for other purposes.
We also may release Your Information if it becomes necessary for compliance with the law or to protect the rights, property, or safety of our websites, our users, or third parties. We reserve the right to release such personal data to law enforcement or other governmental officials as we, in our sole and absolute discretion, deem necessary to comply with the law. In addition, we reserve the right to use and disclose Your Information that is not in individually identifiable form as we deem appropriate in our sole discretion.
Notice of Furnishing Negative Information
WE MAY REPORT LOAN PAYOFFS TO CREDIT BUREAUS WHICH COULD INCREASE YOUR CREDIT SCORE. ALTERNATIVELY WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT INCLUDING LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT.
Cookies, IPs and other data collected:
We may receive and store certain types of information whenever you interact with our websites. We use “cookies” to obtain certain types of information when your web browser accesses our websites and when you login, such as: your name and your email address. Cookies are pieces of information that are transferred to your computer’s hard drive via your web browser. They allow us to provide you with a more convenient and personalized shopping experience by recording information about your preferences.
A web browser is usually set to accept cookies automatically but can be changed to decline them. At anytime you can access the computer settings to clear out and delete your cookies.
Your Right to Limit the Sharing of Your Information
You have the right to direct eMoneyUSA not to share Your Information with its Affiliated Companies and/or Non-Affiliated Third Parties (i.e. “Opt-Out”). Please note that even if you Opt-Out, the eMoneyUSA may still share Your Information with its Affiliated Companies and Non-Affiliated Third Parties as permitted or required by law. eMoneyUSA may share information it collects regarding its transactions and experiences with you with its Affiliated Companies. eMoneyUSA may also share all information it collects about you with Affiliated Companies and Non-Affiliated Third Parties: to facilitate providing our services to you, to administer our business, in order to receive services from those companies, as permitted under joint marketing agreements, and as otherwise permitted or required by law.
Federal law gives you the right to limit some but not all marketing from eMoneyUSA Affiliated Companies. You may limit eMoneyUSA Affiliated Companies from marketing their products or services to you based on Your Information that they receive from the eMoneyUSA. This information includes your income, your account and payment history, and your credit history, report or score.
Opt-Out Information and Notice
To limit the eMoneyUSA Provider’s sharing of Your Information with Affiliated Companies and Non- Affiliated Third Parties, as described above, contact us:
Unless we hear from you, we can begin sharing Your Information thirty (30) days from the date we first deliver you our Privacy Notice to you. However, you may Opt-Out at any time by contacting us. Once we receive your Opt-Out request, we will stop sharing this information as soon as reasonably practicable. Your Opt- Out request will remain in effect until you notify us otherwise in writing.
Collection And Use Of Bank Account Information:
If we extend credit to a consumer, we will consider the bank account information provided by the consumer as eligible for us to process payments against. In addition, as part of our information collection process, we may detect additional bank accounts under the ownership of the consumer. We will consider these additional accounts to be part of the application process. With the submission of a loan application you give us your permission to use the information provided on the loan application to conduct additional bank account verifications for the purposes of underwriting the loan.
How We Protect Your Information:
We restrict access to Your Information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard Your Information.
Our Right to Contact You:
Must be 18:
The information and services provided by us or by our affiliates, sponsors, and advertisers, are strictly for those over 18 years of age. Some states the age is 19 and 21. Please click on your state for additional guidelines.
Our Right to Change This Disclosure:
We reserve the right to change this disclosure at any time by either providing you a revised copy of the disclosure, or notifying you of the existence and location of the new or revised disclosure.