Javier E.

Loan By Phone privacy policy

If you wish to download a full version of the Loan by Phone privacy policy please CLICK HERE

Additional information for CA residents CLICK HERE

How we protect your information

We restrict access to non-public personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to guard your non-public personal information from unauthorized access.

Your privacy choices

You have the right to make choices about how we share your information.

Your choice to limit sharing of information

If you prefer that we not disclose information about you to Affiliated Companies and Nonaffiliated Third Parties, you may direct us not to share this information by calling us toll free at 1.877.641.6050 or by completing and mailing to us the form provided below. Once we receive your opt out request, we will stop sharing this information as soon as reasonably practicable. Please note that even if you direct us to not share information with other companies, we may still share some information about you within Affiliated Companies and Non-Affiliated Third Parties as permitted or required by law. We may share information we collect regarding our transactions and experiences with you with Affiliated Companies. We may also share all information we collect about you with affiliated and non-affiliated companies 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. You may limit how Affiliated Companies use the information we share with them, as described below.

You choice to limit marketing by affiliates

1. The Check into Cash family of companies is providing this notice.

2. Federal law gives you the right to limit some but not all marketing from the Check into Cash Companies. Federal law also requires us to give you this notice to tell you about your choice to limit marketing from the Check into Cash companies.

3. You may limit the Check into Cash companies from marketing their products or services to you based on your personal information that they receive from other Check into Cash companies. This information includes your income, your account history, and your credit history, report, or score.

4. Your choice to limit marketing offers from the Check into Cash companies will apply until you tell us to change your choice.

5. If you have already made a choice to limit marketing offers from the Check into Cash companies, you do not need to act again.

To limit our sharing of information with Third Parties and Affiliated Companies, and/or to limit marketing offers from Affiliated Companies, contact us:

Phone: 1.877.641.6050 or
Mail: Customer Service Dept., P.O. Box 550, Cleveland, TN 37364-0550

Notice of furnishing negative information

We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Notice to California residents

Pursuant to state law, we may not share information we collect about you with affiliated or non-affiliated third parties, except in the limited circumstances permitted under state law, or if you give us your permission. We will provide a separate short form notice describing the rights of California residents to opt out under California law, including rights to opt out of affiliate sharing.

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 write to us at: Customer Service Dept., P.O. Box 550, Cleveland, TN 37364-0550. LBP/CIC Privacy Policy 042710

How we may use and share your information

We may use all the information that we collect, as described above, for the following purposes:

1. To provide you with the products and services you requested.

2. To offer you additional products and services, from us or from others, that may be of interest to you.

3. To comply with reporting and other legal requirements.

4. To otherwise conduct business.

We may share information about you with companies within our corporate family ("Affiliated Companies") and with other companies with whom we do business ("Non-Affiliated Third Parties") as permitted by law and described in this Privacy Policy. These Affiliated Companies and Non-Affiliated Third Parties may be financial service providers, such as mortgage bankers, mortgage brokers, consumer lenders, small lenders, loan brokers, deferred deposit providers, check cashers, supervised lenders, delayed deposit providers, deferred presentment providers, credit services organizations, collection agencies, consumer reporting agencies, banks, credit card providers, debit card providers, open-end credit providers, tax preparers, payroll service providers, insurance agencies, bill payment agencies, ATM providers, lead generators, pawn and title pawn services, automobile dealers, automobile financing, automobile leasing, money transfer and remittance, bill payment, sale of money orders, insurance services and financial service provider holding companies.

Unless you tell us not to, we may disclose all of the information that we collect, as described above, with Affiliated Companies and Non-Affiliated Third Parties, to the full extent permitted by law. These companies may use the information that we share 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 all of the information we collect, as described above, to companies who perform services on our behalf or to other financial institutions with whom we have joint marketing agreements.

Protecting online information

When you apply online for a payday loan or an installment loan through this website, you provide the necessary personal information for your application. To ensure this information remains confidential, your information is encrypted (scrambled so it cannot be read except by the recipient) during its transmission over the Internet using your browser's 128-bit Secure Socket Layer (SSL) connection.

E-mail Correspondence

When we receive your e-mail address when you apply for a payday loan or an installment loan or contact us online, we will retain that address to facilitate communication, provide you with information about your account, complete a service you have requested, inform you of other services, and better serve you. We will not send particularly sensitive information such as account numbers or social security numbers in an e-mail. When you give us your e-mail address we may allow you to choose not to receive e-mail from us that primarily contain marketing messages on our products or we may provide a way for you to tell us to stop sending such e-mail in any e-mail messages we send. The contents of your messages to Check Into Cash will be retained for quality assurance and to meet regulatory and legal requirements. Please refer to our Consumer Privacy Disclosure for information about how we maintain and use information about you, including your e-mail address.

We do not sell or share your e-mail address with third parties to use to independently market you for their products. We may share your e-mail address with service providers to allow them to send you information, gifts, or products that you have requested, such as on-line gift certificates to a merchant. Our agreements with these service providers prevent them from sending their own marketing messages to your e-mail address unless you request that information from them. If we market and service a loan for you that is provided by another lender, then we may share your e-mail address with that lender.

E-mail security

Please note that e-mail, in general, is not a secure means of communication. Check Into Cash online applications include data encryption for the protection of your personal information. However, typical e-mail programs currently in use do not include such built-in encryption. If the information you need to convey to Check Into Cash is of a sensitive nature (account numbers, Social Security Number, passwords or PINs), please contact us by phone, U.S. mail, or visit your local payday advance center.

Security and online services

In the operation of our online payday loans, installment loans, and other online services, Check into Cash, the lenders for which it markets and services and the third-party service providers we have contracted with store and have access to your personal and account information in order to provide you those services. All web site access to sensitive information is protected by 128-bit SSL encryption. In addition, we require a logon ID (or nickname) and password (or PIN number) to access your accounts.

You can help maintain the security of your information by not sharing your logon ID, nickname, password or PIN with anyone. You should also consider changing your password or PIN regularly. Finally, be sure to "log out" or close your web browser after accessing your online accounts.

About browser "cookies"

In order to provide better service, our web site may use a software "cookie." A cookie is a small piece of information which a web site stores in the web browser of your PC and can later retrieve. A cookie cannot be read by a web site other than the one that set the cookie. Many cookies only last through a single session or visit. You can set up your web browser to inform you when cookies are set or to prevent cookies from being set. However, our web sites operate better when you allow our cookies to be set. We use cookies for a number of administrative purposes; for example, to store your preferences for certain kinds of information. No cookie will contain any information that would enable anyone to contact you via telephone, e-mail, or U.S. mail.

Cookies used to facilitate on-line transactions.

These types of cookies are called session cookies. Session cookies are necessary if you want to use certain services such as applying online. In addition, these cookies may prevent you from having to enter information twice. These cookies allow us to show you web site pages that are most useful to you by tracking which pages you have visited during your session. Session cookies are not active after you log off of the services that require them and are deleted when you completely close your Web browser windows after a session.

Cookies used for personalizing your visit

e may create some cookies that allow us to present information that is useful to you when you later return to our site. These cookies remember you preferences when you visited our site earlier and customize our web site pages when you return. (As noted above, we do not store any personally identifying information on any cookies.) These cookies stay on your computer unless you delete them.

Cookies used to evaluate our website

These cookies track how visitors use our site, including the pathways to certain pages and the number of visitors to a page. This allows us to improve navigability of our web site and to decide to delete or improve pages. (As noted above, we do not store any personally identifying information on any cookies.) These cookies stay on your computer unless you delete them.

Cookies used to evaluate our advertising on the internet

We use these types of cookies and other technology related to cookies to track responses to our on-line advertisements and the ranking of our internet address in search engines. These cookies are placed on your machine when you view an ad at another web site or on our own web site. This type of cookie identifies which ads led to your visit to our web site. (As noted above, we do not store any personally identifying information on any cookies.) These cookies stay on your computer unless you delete them.

Third-party service providers

Check into Cash also may use third-parties who are technology providers to design and evaluate on-line advertising and the use of our site. We do not provide these vendors with any personally identifiable information about you, such as your name, mailing address, or account number. (See information on how we use your e-mail address, above.)

Off-site links

As a reference and service to you, Check Into Cash and its other web sites do provide links to other web sites on the Internet. These links are provided for your convenience and do not constitute an endorsement. You also should also refer to that specific site's privacy and security policies when accessing other sites.

Children's on-line privacy

We do not knowingly collect, maintain, or use personal information from our web sites about children under the age of 18.