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PRIVACY POLICY

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FACTS

WHAT DOES THE COMMUNITY CHOICE FINANCIAL® FAMILY OF COMPANIES DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and income
  • account balances and payment history
  • credit history and credit scores

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons the Community Choice Financial® family of companies (“CCF”) chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does CCF share?

Can you limit this sharing?

For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes—
to offer our products and services to you (please see “To limit direct marketing contact” below to limit the ways we contact)

Yes

No

For joint marketing with other financial companies

Yes

No

For our affiliates’ everyday business purposes—
information about your transactions and experiences

Yes

No

For our affiliates’ everyday business purposes—
information about your creditworthiness

Yes

Yes

For our affiliates to market to you

Yes

Yes

For nonaffiliates to market to you

No

We don't share

To limit our sharing

Call (855) 920-9800

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

To limit direct marketing contact

Call (855) 920-9800

Please note:

To make its customers aware of CCF products or services, CCF engages in direct marketing: email, postal mail, text, and telephone marketing. Your telephone, text, and postal mail opt-out choices will last for five years, subject to applicable law. Even if you limit direct marketing, we may still contact you to service your account or as otherwise allowed by law.

Questions?

Call (855) 920-9800

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Who We Are

Who is providing this notice?

Members of the CCF family of companies as described in the “CCF Family of Companies” section below.

What We Do

How does CCF protect my information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does CCF collect my information?

We collect your personal information, for example, when you

  • open an account or apply for a loan
  • give us your income information or give us your contact information
  • provide employment information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit sharing?

Federal law gives you the right to limit only

  • sharing for affiliates’ everyday business purposes—information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to
limit sharing. See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non financial companies.

• Our affiliates include CCF legal entities that utilize the names Buckeye Title Loans, California Check Cashing Stores, CashCentral, Cash 1, Cash & Go, CheckSmart, Check Into Cash, Community Choice Financial®, easymoney, Loan by Phone, Speedy Cash, Rapid Cash, Avío Credit, First Virginia Financial Services, and U.S. Money Shops.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and non financial companies.

• Nonaffiliates we share with can include companies that market CCF products or services on behalf of the CCF family of companies.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• Our joint marketing partners include program managers for stored value cards.

Other Important Information

All states: You may have other privacy rights in some states under state law. To the extent that such state laws apply, we will comply with them when we share information about you.

California: If your account has a California billing home address, we will not share your personal information except to the extent permitted under California law.

North Dakota: We will not disclose information about you with affiliated companies or with non-affiliated third party parties, other than as required or permitted by law, without your express permission.

CCF Family of Companies

The CCF family of companies consists of CCF legal entities that utilize the names: Buckeye Title Loans, California Check Cashing Stores, CashCentral, Cash 1, Cash & Go, CheckSmart, Check Into Cash, Community Choice Financial®, easymoney, Loan by Phone, Speedy Cash, Rapid Cash, Avío Credit, First Virginia Financial Services, and U.S. Money Shops. These entities utilize the following brands:

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Customers who are California residents may request information from us to know what personal information we may collect, have, or maintain about them and what we do with it per the California Consumer Privacy Act (CCPA). If you are a California resident and wish to make a request under the CCPA, click on the Do Not Sell My Personal Information button or link.

California Consumer Privacy Notice

Still have questions?

Check out our FAQs for more information.

Annual Percentage Rate (APR):

For rates and terms in your state of residence, please visit our Rates and Terms page. As a member of CFSA, Check Into Cash abides by the spirit of the Fair Debt Collection Practices Act (FDCPA) as applicable to collect past due accounts. Delinquent accounts may be turned over to a third party collection agency which may adversely affect your credit score. Non-sufficient funds and late fees may apply. Automatic renewals are not available. Renewing a loan will result in additional finance charges and fees.

Customer Notice:

There are a wide variety of loan products available in the marketplace, so your choice of lending products should match your financial needs. Small-dollar loans used over a long period of time can be expensive.
©2019 LoanByPhone Inc. All Rights Reserved. Services or products displayed may or may not be available in your particular state. To view a list of the states we service online, please visit our Rates and Terms page. For our privacy policy, please visit our privacy policy page.
NOTICE TO CALIFORNIA CUSTOMERS: Check Into Cash of California, Inc. d/b/a LoanByPhone is licensed by the Department Corporations pursuant to the California Deferred Deposit Transaction Law. NOTICE TO TEXAS CUSTOMERS: In Texas, LoanByPhone operates as a Licensed Credit Access Business (CAB). The actual Lender is an unaffiliated third party. NOTICE TO UTAH CUSTOMERS: For questions or complaints please call the Utah Department of Financial Institutions at 801-538-8830 (UT customers only). NOTICE TO LOUISIANA CUSTOMERS: If you cannot make payment when due, you can ask to enter into an extended payment plan once in a twelve-month period, but the request must be made before payment is due. Should your lender (Check Into Cash) refuse to enter into an extended payment plan upon your request before the due date, contact the Office of Financial Institutions at 1-888-525-9414 (Louisiana customers only).