Cashbak, LLC Consumer Privacy Policy Notice
The State of California requires that we provide privacy information for
individuals that reside in California. If you do not reside in California,
you can skip this document.
- 1. Personal Information We Collect
- 1.1 Personal information does not include
- 1.2 How we obtain your personal information
- 1.3 How we may use your personal information
- 1.4 How we may share your personal information
- 1.5 Your personal information in the last 12 months
- 2. Your rights under the California Consumer Privacy Act of 2018
- 2.1 Your right to request what information has been collected
and how it has been used (“Right to Know”)
- 2.2 Your right to request deletion of your personal information
(“Right to Delete”)
- 2.3 Email Marketing Preferences and Opt-Out
- 2.4 Right to not be discriminated against for exercising your
rights under the California Consumer Privacy Act (“Right to
Non-Discrimination”)
- 3. Submitting a verified consumer request to know or to delete
- 3.1 Exercising your right to know, data portability, and right
to delete
- 3.2 Authorized agents
- 3.3 Response timing and delivery method
- 4. Changes to our privacy policy
- 5. How to contact us
Below is the legal information we are required to share:
The California Disclosures and Privacy Policy supplements the information
contained in the Privacy Policy of www.cashbackloans.com and Cashback LLC
DBA Cashback Loans, Cashback Payday Advance, and Cashback (collectively,
“Cashback Loans,” “we,” “us,” or “our”) and applies solely to visitors,
users, and others who reside in the State of California (“consumers” or
“you”). We adopt this policy to comply with the California Consumer Privacy
Act of 2018 (“CCPA”) and other California laws. Any terms defined in the
CCPA have the same meaning when used in this policy.
1. PERSONAL INFORMATION WE COLLECT
We collect information that identifies, relates to, describes, references, is
capable of being associated with, or could reasonably be linked, directly or
indirectly, with an individual consumer, device, or household (“personal
information”).
1.1. Personal information does not
include the following:
- Publicly available information from government records
- De-identified or aggregated consumer information
- Information excluded from the CCPA, such as personal information covered
by certain sector-specific
privacy laws, including the Fair Credit
Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA) or California
Financial Information Privacy Act (FIPA), and the Driver’s Privacy
Protection Act of 1994 (DPPA)
1.2. How We Obtain Your Personal
Information:
Directly from you. |
You enter or provide us with information online, by email,
by phone, by completing forms in our stores, or by document
upload. For example, when you apply for a loan or
financial services product, show us your government-issued
ID, or pay your bill. |
Directly and indirectly from you based on activity
on our website. |
For example, from submissions through our website or website
usage details collected automatically. |
From vendors or third parties that interact with us
in connection with the services we perform.
|
For example, credit reporting agencies, or other vendors
that provide data we use in underwriting or in protecting
you and our products from fraud and identity theft. |
1.3. How We Use Your Personal
Information:
We may use or disclose the personal information we collect for one or more of
the following business and commercial purposes:
- 1. Performing services on behalf of us or our service provider,
including maintaining or servicing accounts, providing customer service,
processing or fulfilling orders and transactions, verifying customer
information, processing payments, providing financing, providing
advertising or marketing services, providing analytic services, or
providing similar services on behalf of us or our service providers.
This includes:
- To fulfill or meet the reason for which the information is
provided.
- To provide you with information, products, or services that you
request from us.
- To provide you with email alerts and other notices concerning
our products or services, or events or news, that may be of
interest to you.
- To carry out our obligations and enforce our rights arising from
any contracts entered into between you and us, including for
billing and collections.
- 2. Debugging to identify and repair errors that impair existing intended
functionality.
- 3. Detecting security incidents, protecting against malicious,
deceptive, fraudulent, or illegal activity, and prosecuting those
responsible for that activity.
- 4. Auditing related to a current interaction with the consumer and
concurrent transactions.
- 5. Undertaking activities to verify or maintain the quality of a service
or device that is controlled by us, and to improve, upgrade, or enhance
the service that is owned, or controlled by us.
We will not collect additional categories of personal information or use the
personal information we collect for materially different, unrelated, or
incompatible purposes without providing you notice.
1.4. Who We Share Your Personal
Information with for a Business or Commercial Purpose:
We may disclose your personal information to a service provider or third
party for a business or commercial purpose. When we disclose personal
information to a service provider for a business or commercial purpose, we
enter a contract that describes the purpose and requires the service
provider to both keep that personal information confidential and not use it
for any purpose except performing the contract. Examples of who we share
with include:
- Our affiliates and lending/bank partners.
- Service providers.
- Third parties to whom you or your agents authorize us to disclose your
personal information in connection
with the products or services we
provide to you.
1.5. Within the last 12 months we
collected the categories of personal information listed below and shared it
as follows:
CATEGORY |
EXAMPLES |
COLLECTED (Yes/No) |
SOURCES OF COLLECTED PERSONAL INFORMATION |
BUSINESS OR COMMERCIAL PURPOSE FOR SHARING (Section 1.3
#1-5, above) |
CATEGORY OF THIRD PARTIES |
A. Identifiers. |
A real name, alias, postal address, unique personal
identifier, online identifier, IP address, email address,
account name, social security number, driver’s license
number, passport number, or other similar identifiers. |
YES |
You, your activity on our site, or from vendors, service
providers, and third parties |
1, 2, 3, 4, 5 |
Our lending/bank partners, service providers, and third
parties |
B. Personal information |
A name, signature, social security number, physical
characteristics or description, address, telephone number,
passport number, driver’s license or state identification
card number, insurance policy number, education, employment,
employment history, bank account number, credit card number,
debit card number, or any other financial information,
medical information, or health insurance information. Some
personal information included in this category may overlap
with other categories. |
YES |
You, vendors, service providers, and third parties |
1, 2, 3, 4, 5 |
Our lending/bank partners, service providers, and third
parties |
C. Protected classification characteristics under California
or federal law. |
Age (40 years or older), race, color, ancestry, national
origin, citizenship, religion or creed, marital status,
medical condition, physical or mental disability, sex
(including gender, gender identity, gender expression,
pregnancy or childbirth, and related medical conditions), or
veteran or military status. |
YES |
You, vendors, service providers, and third parties |
1, 3, 4 |
Our lending/ bank partners, service providers, and third
parties |
D. Commercial information. |
Records of personal property, products or services
purchased, obtained, or considered, or other purchasing or
consuming histories or tendencies. |
YES |
You, vendors, service providers, and third parties |
1, 2, 3, 4, 5 |
Our lending/ bank partners, service providers, and third
parties |
E. Biometric information. |
Genetic, physiological, behavioral, and biological
characteristics or activity patterns used to extract a
template or other identifier or identifying information,
such as fingerprints, faceprints, and voiceprints, iris or
retina scans, keystroke, gait, or other physical patterns,
and sleep, health, or exercise data. |
NO |
N/A |
N/A |
N/A |
F. Internet or other similar network activity.; |
Browsing history, search history, information on a
consumer’s interaction with a website, application, or
advertisement. |
YES |
Your activity on our site, vendors, service providers, and
third parties |
1, 5 |
Our lending partners, service providers, and third parties
|
G. Geolocation data. |
Physical location or movements. |
NO |
N/A |
N/A |
N/A |
H. Sensory data. |
Audio, electronic, visual, thermal, olfactory, or similar
information. |
NO |
N/A |
N/A |
N/A |
I. Professional or employment- related information. |
Current or past job history or performance evaluations. |
YES |
You, vendors, service providers, and third parties |
1, 3, 4, 5 |
Our lending/ bank partners, service providers, and third
parties |
J. Non-public education information (per the Family
Educational Rights and Privacy Act (20 U.S.C. Section
1232g, 34 C.F.R. Part 99)). |
Education records directly related to a student maintained
by an educational institution or party acting on its behalf,
such as grades, transcripts, class lists, student schedules,
student identification codes, student financial information,
or student disciplinary records.; |
NO |
N/A |
N/A |
N/A |
K. Inferences drawn from other personal information. |
Profile reflecting a person’s preferences, characteristics,
psychological trends, predispositions, behavior, attitudes,
intelligence, abilities, and aptitudes. |
YES |
You |
3, 5 |
Our lending/ bank partners, service providers, and third
parties |
1.6. Sale of Personal Information:
We do not and will not sell your personal information. We do not and will not
sell the personal information of minors under 16 years of age without
affirmative authorization.
2. YOUR RIGHTS UNDER THE CALIFORNIA
CONSUMER PRIVACY ACT OF 2018
The CCPA provides consumers (California residents) with specific rights
regarding their personal information. This section describes your CCPA
rights and explains how to exercise those rights.
2.1. Right to Know and Data
Portability Rights:
You have the right to request that we disclose certain information to you
about our collection and use of your personal information over the past 12
months. Once we receive and confirm your verifiable consumer request for
access, based on your request, we will disclose to you:
- The categories of personal information we collected about you.
- The categories of sources for the personal information we collected
about you.
- Our business or commercial purpose for collecting or selling that
personal information.
- The categories of third parties with whom we share that personal
information.
- The specific pieces of personal information we collected about you (also
called a data portability request).
- If we disclose your personal information for a business purpose, two
separate lists disclosing:
- sales, identifying the personal information categories that each
category of recipient purchased; and disclosures for a business
purpose, identifying the personal information categories that
each category of recipient obtained.
We may deny your request for access if we are unable to verify your identity
or have reason to believe that the request is fraudulent. We may also deny
your request if the personal information is subject to an exemption under
the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA),
California Financial Information Privacy Act (FIPA), or the Driver’s Privacy
Protection Act of 1994 (DPPA).
2.2. Right to Delete:
You have the right to request that we delete any of your personal information
that we collected and retained, subject to certain exceptions. Once we
receive and confirm your verifiable consumer request, we will delete, de-
identify, or aggregate your personal information (and direct our service
providers to do the same), unless an exception applies.
We may deny your deletion request if retaining the personal information is
necessary for us or our service providers to:
- Complete the transaction for which the personal information was
collected, provide a good or service requested by the consumer, or
reasonably anticipated within the context of a business’s ongoing
business relationship with the consumer, or otherwise perform a contract
between the business and the consumer.
- Detect security incidents, protect against malicious, deceptive,
fraudulent, or illegal activity; or prosecute those responsible for that
activity.
- Debug to identify and repair errors that impair existing intended
functionality.
- Exercise free speech, ensure the right of another consumer to exercise
his or her right of free speech or exercise another right provided for
by law.
- Comply with the California Electronic Communications Privacy Act
pursuant to Chapter 3.6 (commencing with Section 1546) of Title 12 of
Part 2 of the Penal Code.
- Engage in public or peer-reviewed scientific, historical, or statistical
research in the public interest that adheres to all other applicable
ethics and privacy laws, when the businesses’ deletion of the
information is likely to render impossible or seriously impair the
achievement of such research if the consumer has provided informed
consent.
- To enable solely internal uses that are reasonably aligned with the
expectations of the consumer based on the consumer’s relationship with
the business.
- Otherwise use the consumer’s personal information, internally, in a
lawful manner that is compatible with the context in which the consumer
provided the information.
- The personal information is subject to an exemption under the Fair
Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA),
California Financial Information Privacy Act (FIPA), or the Driver’s
Privacy Protection Act of 1994 (DPPA).
Additionally, we may deny your request to delete if we are unable to verify
your identity or have reason to believe that the request is fraudulent.
2.3. CCPA Right to Opt-Out:
The CCPA gives consumers the right to opt-out of the sale of their personal
information. However, we do not and will not sell your personal information.
We do not and will not sell the personal information of minors under 16
years of age without affirmative authorization.
2.4. Non-CCPA Email Marketing
Preferences and Opt-Out:
You may opt-out of marketing communications. You may opt-out of email
marketing by using our general unsubscribe automated link that is included
in marketing emails. If you have any problems using this opt-out mechanism,
please use the contact form accessible at thislink.
2.5. Right to Non-Discrimination:
We will not discriminate against you for exercising any of your CCPA rights.
Unless permitted by the CCPA, we will not:
- Deny you goods or services.
- Charge you different prices or rates for goods or services, including
through granting discounts or other benefits, or imposing penalties.
- Provide you a different level or quality of goods or services.
- Suggest that you may receive a different price or rate for goods or
services or a different level or quality of goods or services.
3. SUBMITTING A VERIFIED CONSUMER REQUEST
3.1. Exercising Right to Know, Data
Portability, and Right to Delete:
To exercise the access, data portability, and deletion rights described
above, please submit a verifiable consumer request to us by either:
Only 1) you, 2) a person authorized by you to act on your behalf, or 3) an
entity registered with the California Secretary of State and authorized by
you to act on your behalf, may make a verifiable consumer request related to
your personal information. You may also make a verifiable consumer request
on behalf of your minor child.
You may only make a verifiable consumer request for access (aka Right to
Know) or data portability twice within a 12-month period. The verifiable
consumer request must:
- Provide sufficient information that allows us to reasonably verify you
are the person about whom we collect personal information or an
authorized representative. Given the sensitivity of your personal
information that we collect and retain, we will need to verify your
identity with at least 3 separate pieces of information such as name,
address, account number, date of birth, last 4 of your Social Security
Number, valid government-issued ID, phone number, etc.
- Describe your request with sufficient detail that allows us to properly
understand, evaluate, and respond to it.
- If you are submitting a request for specific pieces of personal
information, then you will also need to submit a declaration under the
penalty of perjury confirming that you are only requesting information
about yourself.
3.2. Authorized Agents:
Before we can respond to a verifiable consumer request submitted by an
authorized agent, we need to confirm not only that person or entity’s
authority to act on your behalf but also verify the identity of the
authorized agent.
If you are authorized to submit a request on behalf of a California resident,
please email us at[email protected]and
provide the following information:
- 1. To verify your authorization to request on behalf of a California
resident, please attach a copy ofone or moreof the following to
your request email:
- California Secretary of State filing showing authorization,
- written permission from the California resident, or
- power of attorney
- 2. To verify your identity, please attach copies of the following to
your request email:
- Valid Government Issued ID (not expired)AND
- a Utility Bill, Bank Statement, or similar documentation to
verify your name and address.
- 3. To verify the identity of the consumer for whom you are submitting
the request, please attachtwo or moreof the following with your
request email (three or moreare required when requesting a copy
of the California resident’s personal information):
- Valid Government Issued ID (not expired),
- utility bill,
- bank statement,
- Email address,
- last 4 of the SSN or
- last 4 of the account number
We cannot respond to your request or provide you with personal information if
we cannot verify your identity or authority to make the request and confirm
the personal information relates to you. Making a verifiable consumer
request does not require you to create an account with us. However, if you
do have an existing login, we will require you to log in to submit a
request. We will only use personal information provided in a verifiable
consumer request to verify the requestor’s identity or authority to make the
request.
3.3. Response Timing and Delivery
Method:
We will acknowledge receipt of the request within 10 days of its receipt. We
will respond to a verifiable consumer request within 45 days of its receipt.
If we require more time (up to 90 days), we will inform you of the reason
and extension period in writing. We will deliver our written response by
mail or electronically, at your option. Any disclosures we provide will only
cover the 12-month period preceding the verifiable consumer request’s
receipt. The response we provide will also explain the reasons we cannot
comply with a request, if applicable. For data portability requests, we will
provide the responsive information in a portable and, to the extent
technically feasible, in a readily usable format that allows you to transmit
the information to another entity without hindrance.
We do not charge a fee to process or respond to your verifiable consumer
request unless it is excessive, repetitive, or manifestly unfounded. If we
determine that the request warrants a fee, we will tell you why we made that
decision and provide you with a cost estimate before completing your
request.
4. CHANGES TO OUR PRIVACY POLICY
We reserve the right to amend this privacy policy at our discretion and at
any time. When we make changes to this privacy policy, we will notify you by
email or through a notice on our website homepage.
5. HOW TO CONTACT US
If you have any questions or comments about this policy, the ways in which we
collect and use your personal information, your rights regarding such use,
or wish to exercise your rights under California law, please do not hesitate
to contact us at:
Privacy Support Phone: |
760-600-5639 |
Privacy Support Email: |
[email protected]
|
Website: |
www.cashbackloans.com |
Postal Address: |
Cashback Loans Attn: Compliance
Dept. P.O. Box 6090 La Quinta, CA 92248 |