TERMS & DISCLAIMER

Disclaimers

NOTICE: This disclosure is being provided to you pursuant to our terms of service with Google®, Inc. It is not required by any federal, state or local law. Our lenders may offer you a loan with an APR between 20% and 300%. The APR on a small dollar, short term loan represents the amount of your loan, cost of the loan, term of the loan and repayment amounts and timing. Loans on the lower end of the APR range may be for a larger loan amount and for a longer term. Loans on the higher end of the APR range may be for a smaller loan amount and for a shorter term. Depending on your credit needs and desire to pay your loan off quickly, your lender may only offer you loans with an APR near the high end of the range noted above.

This is an expensive form of credit. A short term loan should be used for short term financial needs only, not as a long term financial solution. Customers with credit difficulties should seek credit counseling or meet with a nonprofit financial counseling service in their community. You are encouraged to consult your state’s consumer information pages to learn more about the risks involved with cash advances. State laws and regulations may be applicable to your payday loan.

If you do not pay your loan according to its terms, your lender may: charge you late fees, send your account to a collection agency, report your information to a consumer reporting agency which may negatively affect your credit score, offer to renew, extend or refinance your loan, which may cause you to incur additional fees, charges and interest. We are not a lender. Only your lender can provide you with information about your specific loan terms and APR and the implications for non-payment of your loan. Ask your lender for their current rates and charges and their policies for non-payment.

CashOne and its affiliates (“CO” or “we”) respect your privacy and are committed to protecting your personal identification data (PID) that may be collected through your use of our website (“Site”) or in applying for any of our services (“Services”). This privacy policy (“Policy”) describes how we collect and use your PID.

Please read this Policy carefully. By using our Site or Services, you agree to our collection, use, and sharing of your PID as described in this Policy.

Information that We Collect

Through your use of our Site, we may collect PID, which is information that identifies an individual or relates to an identifiable individual. PID may include, but is not limited to, your first and last name, physical address, Social Security number, date of birth, and checking account information. We collect the following types of information:

Information Provided by You

If you express interest in one of our Services, we will collect certain PID from you, including contact information (such as name and email), which we will use to contact you. We may request additional PID that is necessary to process any application submitted by you, such as your physical address, Social Security number, mobile phone number, date of birth, bank account information and numbers, employment and income information. Additionally, we may collect PID to verify your identity, for security-related purposes, or other administrative purposes. In order to provide Services to you, we may on occasion supplement the PID you submit to us with information from third-party sources, such as consumer report information.

Device and Usage Information

We may automatically collect the following types of information as you use our .

  • Usage Information: We collect certain information automatically through your use of the Site, such as which of our web pages you access, the frequency of access, and what you click on while on our Site.
  • Location Information: We may collect information about your actual location which may be determined from: IP address, GPS, and other sensors that may reveal information on nearby devices, Wi-Fi access points, and cell towers.
  • Device Information: We may collect information about the device you are using such as: hardware model, operating system, application version number, browser, and IP addresses.
  • Mobile Device Information: In addition to the Device Information listed above, when you access our Site via a browser on your mobile device or through the use of our mobile application, we may also collect mobile network information including phone number, the unique device identifier assigned to that device, mobile carrier, operating system, and other device attributes.

Cookies and Other Tracking Technologies

A cookie is a small text file that is stored on a user’s computer for record-keeping purposes.

  • Session Cookies: We use session cookies to make it easier for you to navigate our Site.

If you reject cookies, you may still use our Site, but your ability to use some areas of our Site may be limited. For example, you cannot create an account with us or apply for r a loan without accepting cookies.

We may use a software technology called tracking pixels that help us better manage content on our Site by informing us what content is most effective. Tracking pixels are embedded invisibly on Web pages and are about the size of the period at the end of this sentence.

We may also use other website or mobile tracking technologies, such as device fingerprinting, prevent fraudulent activity or improve Site security, assess the performance of the Site, and deliver content to you based on your interests on our site and third-party sites.

Aggregate Information

Statistical or aggregated information does not directly identify a specific person, but it may be derived from your PID. For example, we may aggregate PID to calculate the percentage of users in a particular ZIP code.

Third Party Data Collection

Some content or applications on the Site may be provided by third parties, including analytics companies, and application providers. These third parties may use cookies or other tracking technologies to collect information about you when you use our Site. The information they collect may be associated with your PID or they may collect information, including PID, about your online activities over time and across different websites and other online services.

We do not control these third parties’ tracking technologies or how they may be used. If you have any questions you should contact the responsible provider directly. Some of these third parties may provide you with ways to choose not to have your information collected or used for targeted advertising.

How We Use and Share Information

We use PID we collect in the following ways:

  • Process Applications: We use PID to provide our Services, including to process loan applications and connect you to lenders for a possible loan.
  • Communicate: We use PID to communicate with you about our Site and Services.
  • Marketing: We may occasionally send you information about products and services that we believe will be of interest to you. During any such communication, we will provide you with the option not to receive any future marketing communications.
  • Specific Purposes: You may be asked to provide information for a specific purpose. We will only use the information that you provide for the purpose for which you provided it to us.
  • Customer Support: We may use your PID to provide you support or other services you have ordered. For example, we may need your information in order to provide technical support.
  • Site Maintenance: We analyze how our users interact with our Site in order to maintain and improve our Site. We also use information that we collect to diagnose any problems with our Site to improve the user experience.

We reserve the right to share information, including PID, with third parties, as described below:

  • Service Providers: We may share information with service providers that help us perform functions and process your application.
  • Affiliates: We may share information with a parent company, subsidiaries, joint ventures, or other companies under common control with us.
  • Other Companies: We may share information with other companies for purposes of marketing our products to you or for analyzing our business and transactions.
  • Corporate Structure: We may share information in connection with a merger, acquisition, consolidation, change of control, or sale of all or a portion of our assets or if we undergo bankruptcy or liquidation.
  • To Prevent Harm: We may share information if we believe it is necessary in order to detect, investigate, prevent, or take action against illegal activities, fraud, or situations involving potential threats to the rights, property, or personal safety of any person.
  • As Required by Law: We will share information where we are legally required to do so, such as in response to court orders or legal process, to establish, protect, or exercise our legal rights, to defend against legal claims or demands, or to comply with requirements of mandatory applicable law.
  • With your Consent: We may request your permission to share your PID for a specific purpose. We will notify you and request consent before you provide the PID or before the PID you have already provided is shared for such purpose.
  • Without Identifying You: We may share information in a manner that does not identify you. For example, we may share anonymous, aggregate information about your use of our Site and products with our service providers.
  • Texas and Ohio and other state Residents: We may share your information with the lender with whom are matched to in order to obtain a loan via our Site.
  • CashOnw provides you with certain “opt-out” rights from having your PID used or shared for certain purposes.

Security

The security of your PID is important to us. We maintain reasonable physical, technical, and administrative security measures to protect and limit access to your PID. No method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your PID, we cannot guarantee its absolute security.

Other Websites

The Site may contain links to or links from third party sites that are not owned or controlled by CashOne. We have no control over the content, privacy policies, or practices of any third party site. You are subject to the policies of those third party sites where applicable. We encourage you to review the privacy policies of these third party sites before you disclose your PID.

Browser Do Not Track

The Site is not currently configured to respond to Do Not Track signals.

Children or Minor’s Privacy

Our Site is not intended for use by children. We do not knowingly collect personal information from children or anyone under the age of 18 years. If we become aware that someone under 18 has opened an account or otherwise provided us with PID, we will take steps to terminate the account and delete all PID.

Applicable Law

This is a United States-based Site that is subject to United States law. This Site is controlled, operated, and administered by CashOne from its offices within the United States of America. This Policy is provided in accordance with and subject to applicable U.S. law. If you are accessing this Site from a location outside the United States, you hereby agree that your use of this Site and our collection and use of your PID is subject to this Policy.

Updates to this Policy

We reserve the right to modify this Policy at any time, so please review it frequently. If we decide to make material changes to this Policy, we will post those changes to this Site in a manner that we deem is appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. You agree to these future updates by continuing to use our Site or Services after they have been posted.

Complaints

BEWARE OF FRAUDULENT DEBT COLLECTION SCAMS – There is a fraudulent collection agency SCAM claiming to be representing some lenders, including CashOne. The easiest way to determine if they are legitimate is to have them supply you with a signed copy of the loan document showing your debt. They are required by law to show proof of your debt. DO NOT send funds or give your credit card information to any collector until you have proof.

If they refuse or cannot supply documents, you are probably victim of a fraud and we would recommend that you report this telephone fraud to the Federal Trade Commission by clicking FTC. For further details on this SCAM, please refer to the Online Lenders Alliance by clicking OLA.

You may resolve payday loan problems with your individual lender or contact the regulatory agency of the state in which you reside. CashOne matches you with lenders but is not a lender itself. CashOne can not assist you with loans you have accepted or if your application was rejected for any reason. CashOne will not know why your application was rejected by our lenders as we have many of them and reasons may vary why any individual lender rejects your application.

NEVER, EVER, EVER agree to send money IN ADVANCE! These are always scams/frauds and are often run from offshore facilities where there is little chance of recovering your funds. Our lenders will not request money in advance. These scams usually start with a phone call to you claiming they represent us or another legitimate company. They then try to convince you to send money in advance. Again, do NOT ever send money in advance.