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CNU Online Holdings, LLC (“CashNetUSA”) is serious about protecting your privacy. This notice is provided to you on behalf of CashNetUSA and its parent company, Cash America International, Inc., and their respective family of companies including CashNetUSA, its parent company, Cash America International, Inc., and all of their respective subsidiaries and affiliates, (hereafter collectively referred to as the “CashNetUSA Related Companies,” “we,” “our,” or “us”). The CashNetUSA Related Companies include, but are not limited to: CashNetUSA, Cash America International, Inc., and all of their respective subsidiaries and affiliates, including those that operate under the trade names CashNetUSA, Cash America Net, Cash America, Cash America Pawn, Cashland, SuperPawn, Cash America Payday Advance, or any company-owned Mr. Payroll locations. “You” or “Your” means you as a participant in or as a user of the products and/or services offered by a CashNetUSA Related Company.
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.
We collect personally 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 is to provide you with efficient, accurate, and customized financial products and services. Your Information also helps us personalize and improve your customer experience with us. We collect and/or track the following types of information:
We use Your Information to:
(Customers that reside in California, North Dakota or Vermont should refer to the state-specific notices provided at the end of this policy)
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.
The CashNetUSA Provider 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, magazine publishers, retailers, 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.
We may receive and store certain types of information whenever you interact with our websites. For example, like many 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. The Help section of the toolbar on most web browsers will tell you how to prevent your browser from accepting new cookies, how to have the web browser notify you when you receive a new cookie or how to disable cookies altogether. In most cases, a visitor may refuse a cookie and still fully navigate our websites.
In some circumstances, you have the right to direct the CashNetUSA Provider to not 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 CashNetUSA Provider may still share Your Information with its Affiliated Companies and Non-Affiliated Third Parties as permitted or required by law. Also, the CashNetUSA Provider may share information it collects regarding its transactions and experiences with you with its Affiliated Companies. The CashNetUSA Provider 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.
The CashNetUSA Provider is delivering this notice to you on behalf of itself and all other CashNetUSA Related Companies. You may limit how the CashNetUSA Provider’s Affiliated Companies use Your Information the CashNetUSA Provider shares with them. Federal law gives you the right to limit some but not all marketing from the CashNetUSA Provider’s Affiliated Companies. You may limit a CashNetUSA Provider’s Affiliated Companies from marketing their products or services to you based on Your Information that they receive from the CashNetUSA Provider. This information includes your income, your account and payment history, and your credit history, report or score.
To limit the CashNetUSA 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 this 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.
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.
Pursuant to state law, the CashNetUSA Provider may not share information it collects about you with its Affiliated Companies or with Non-Affiliated Third Parties, except in the limited circumstances permitted under state law, or if you give us your permission.
California Civil Code Section 1798.83, also known as S.B. 27, allows California residents to request certain information regarding our disclosures in the prior calendar year, if any, of personally identifiable information to third parties for their own direct marketing purposes. To make such a request, please contact us at www.cashnetusa.com or write to us at attn: Customer Service, 200 W. Jackson Blvd., 14th Floor, Chicago, Illinois 60606-6941.
Pursuant to state law, we will only share information with our service providers and with third parties as required or permitted by law, or if you give us your permission.
The CashNetUSA Provider will not disclose information about you with its Affiliated Companies or with Non-Affiliated Third Parties, other than as required or permitted by law, without your express permission.
*CashNetUSA and third-party lender funds are generally deposited via ACH for delivery next business day if approved by 9pm CT Mon. – Thu. or by 7pm CT Sun.
**Not all loan applications or extension requests are approved. Due to state and verification requirements, not all applicants for online loans may be eligible for instant approval by CashNetUSA or third-party lenders.
***Some customers applying for payday loans or installment loans may be required to submit additional documentation due to state law and qualification criteria.
†CashNetUSA or third-party lender does not perform traditional credit checks as part of its credit transaction approval process, but does verify applicant information via national databases including, but not limited to, Clarity. If you have defaulted on past transactions, you may be declined for a cash advance from CashNetUSA.
‡Maximum funded amount for payday loans or installment loans depends on qualification criteria and state law. See Rates and Terms for details.
++Please see Rates and Terms to check the availability of online loans and extensions in your state. CashNetUSA is not a lender in all states. In some states, CashNetUSA will (i) act as a Credit Service Organization to arrange a loan between you and a third-party lender, or (ii) in Texas, act as a Credit Access Business between you and a third-party lender.
+++If you are a Payday, CSO, or CAB customer, discount will be applied to the initial loan fee, CSO fee, or CAB fee, respectively. If you are an Installment or Installment-Payday customer, the rebate shall be calculated by multiplying the percent discount by the first two scheduled installment payments of your loan. However, the rebate shall not exceed the actual amount of accrued interest paid on the Installment loan or fees paid on the Installment-Payday loan. Rebate shall be paid via bank account ACH credit upon full repayment of the loan, and is contingent upon a minimum of two installment payments made. Discount not valid for the CashNetUSA line of credit product. Promotions are not available in all states. Please see your state's Rates and Terms for additional details. Unless otherwise specified, promo codes must be entered at the time of application, can be used only once, and may not be combined with any other offers or Preferred Member benefits.
1Must be 21 years of age for Mississippi residence and 19 years of age for Alabama and Delaware residence.
Customer Notice: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.