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
- 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 Request to Know or Request to Delete
- 4. Do Not Track signals
- 6. How to contact us
Below is the legal information we are required to share:
1. PERSONAL INFORMATION WE COLLECT
We collect information that identifies, relates to, describes, references, is reasonably 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 Personal information does not include the following:
In the last 12 months, we collected the following categories of personal information:
- “Identifiers” such as name, alias, address, unique identifier, internet protocol address, email address, account number, Social Security Number, or government identification number;
- “Other Personal Information” such as 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, or medical information. Some personal information included in this category may overlap with other categories;
- “Protected Characteristics” under California or federal law for classifications such as 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), sexual orientation, or veteran or military status;
- “Commercial Information” such as records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies;
- “Internet or Network Activity” such as browsing history, search history, information on a consumer's interaction with a website, application, or advertisement;
- “Professional or Employment Related Information” such as Current or past job history or performance evaluations; and
- “Inferences” drawn from other personal information such as profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
1.3 How We Obtain Your Personal Information:
|Directly from you or during our verification process of your application.||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 service providers or third parties that interact with us in connection with the services we perform.||For example, credit reporting agencies, lending/bank partners, or other vendors that provide data we use in underwriting, providing you with the financial product(s) you request, or in protecting you and our products from fraud and identity theft.|
1.4 How We Use Your Personal Information:
We may collect, use, or disclose the personal information we collect for one or more of the following 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.
- 6. We may aggregate, anonymize, or de-identify personal information for use in regulatory reporting or otherwise.
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.
1.5 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, 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 or as otherwise allowed under the CCPA. Examples of who we share with include:
- Service providers.
- Third parties, including those to whom you or your agents authorize us to disclose your personal information in connection with the products or services we provide to you. Categories of third parties that we share personal information with are as follows:
- With affiliates we share Identifiers, Other Personal Information, Protected Characteristics, Commercial Information, Internet or Network Activity,Professional or Employment Related Information, and Inferences;
- With lending/bank partners we share Identifiers,Other Personal Information, Protected Characteristics, Commercial Information, Internet or Network Activity, Professional or Employment Related Information, and Inferences;
- With credit reporting agencies we share Identifiers, Other Personal Information, Protected Characteristics, Professional or Employment Related Information, and Inferences; and
- With advisors such as lawyers, bankers, and insurers, we share Identifiers, Other Personal Information, Protected Characteristics, Commercial Information, Internet or Network Activity, Professional or Employment Related Information, and Inferences.
1.6 Sale of Personal Information:
We do not sell your personal information. We do 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:
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:
- Categories of Personal Information Collected and Shared
- 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 personal information.
- The categories of third parties with whom we share that personal information.
- If we disclosed your personal information for a business or commercial purpose, the categories of personal information shared with each category of recipients.
- Specific Information
- The specific pieces of personal information we collected about you.
We may deny your Request to know 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 (“Request to Delete”). Once we receive and verify your 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 Request to Delete 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.
- Comply with a legal obligation.
- 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 our email marketing by using the 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 www.cashbackloans.com.
2.5. Right to Non-Discrimination:
Your have the right to not be discriminated against for exercising your rights under the CCPA. 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 How to submit a request:
To make a Request to Know or Request to Delete, please contact us by either:
- Calling us at 760-600-5639
- Emailing us at [email protected]
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 Request to Know or Request to Delete your personal information. You may also make a request on behalf of your minor child.
You may only make a Request to Know twice within a 12-month period.
A Request to Know or Request to Delete 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 of one or more of the following to your request email:
- California Secretary of State “entity details” and written permission (if the authorized agent is a business entity),
- 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 attach two or more of the following with your request email (three or more are 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. DO NOT TRACK SIGNALS
Our site does not respond to Do Not Track signals configured in your web browser.
6. 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]|
|Postal Address:||Cashback Loans
Attn: Compliance Dept.
P.O. Box 6090
La Quinta, CA 92248
Version 2.0 – Effective Date 9/14/2020