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.
Below is the legal information we are required to share:
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”).
|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.|
We may use or disclose the personal information we collect for one or more of the following business and commercial purposes:
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.
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:
|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|
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.
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.
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:
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).
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:
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.
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.
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 this link.
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
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:
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:
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.
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.
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:
Cashbak, LLC is licensed by the California Department of Business Oversight pursuant to the Deferred Deposit Transaction Law.
To Assist you with the processing of a deferred deposit transaction, Cashback has provided you with the following list of CA State required provisions (pursuant to CFC section 23035 [c]) contained within every Cashback Deferred Deposit Agreement.
1. At Cashback the following amounts ($58.82, $100, $150, $200, $250, & $300) are offered as loan amounts to those applicants who qualify for applicable deferred deposit amounts. Typical fees and the applicable APR* charged for a 14 day deferred deposit is available on a board provided in each and every Cashback location. The exact fee and applicable APR will be listed on the loan agreement.
2. If the check provided for payment of the deferred deposit is returned unpaid, an additional fee of up to $15 may be charged to the customer.
3. A customer for Cashback cannot be criminally prosecuted or threatened with prosecution in conjunction with a deferred deposit transaction for a returned check.
4. The Department of Business Oversight toll-free number for receiving calls concerning customer complaints and concerns is 1-888-668-8114
5. Cashback is not allowed to accept collateral in conjunction with a deferred deposit transaction.
6. The check that is being negotiated as part of a deferred deposit transaction made pursuant to Section 23035 of the CA Financial Code and is not subject to the provisions of section 1719 of the Civil Code. No Cashback customer will be required to pay treble damages if this check does not clear.
The following is the fee schedule for a typical, 14-day or 30-day payday loan.
|Amount Provided||Fee||Amount of Check||14-Day APR %||30-Day APR %|
PLEASE READ THESE TERMS AND CONDITIONS BEFORE USING OR ACCESSING OUR SITE AND SERVICES. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS, YOU MUST CEASE USING OUR SITE IMMEDIATELY.
You are submitting a credit application to Cashbak LLC. By completing and submitting an online credit application (your “Application”), you acknowledge and agree that you understand and agree to the use of electronic signatures, electronic records, and electronic disclosures in connection with us and our products and services. We can provide our online service only if you consent to use and accept electronic signatures, electronic records, and electronic disclosures.
To electronically receive, view, and save the Disclosures, you must have a personal computer equipped with Microsoft Explorer, Google Chrome, Mozilla Firefox, and either a printer, a hard drive, or other storage device. You must have a valid email address.
Prior to submission of your application, you may withdraw your consent to electronic disclosures by exiting the application website. You will not be able to submit your loan application if you withdraw your consent to electronic disclosures by exiting the application website. In addition, because we are required to provide you with certain disclosures prior to making a loan to you, you cannot withdraw your consent after submission of your application.
You have the option to receive any information that we have provided electronically in paper form at no cost to you. To request a paper copy of any information we have provided electronically, please contact us by calling 888-668-8114 or write to us at Cashbak, LLC — Disclosure Request, 10532 Acacia St, Rancho Cucamonga, CA 91730.
CHANGES TO YOUR CONTACT INFORMATION. You must keep us informed of any change in your e-mail address or your physical mailing address. To update your address information, either contact us at 888-668-8114 or e-mail us at [email protected]
2nd Payday of Month must be greater than 1st Payday of Month
2nd Pay week and Payday must be greater than 1nd Pay week and Payday
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