PRIVACY NOTICE
This Privacy Notice ("Notice") covers BudgetLine Cash Advance, LLC and its corporate
family affiliate companies operating separately in various states under the names
BudgetLine Cash Advance and Cash Choice. This Notice does not cover BudgetLine
Cash Advance of California, LLC. We provide this Notice to you so that you can
understand our Privacy Policies, and how we protect your customer information.
We maintain strict policies securing the privacy of your information. This Notice
also explains the type of information we collect and may share. Additionally, this
Notice explains how you can prevent us from sharing certain information about you
within the BudgetLine family of companies and with others. The information contained
in this Notice applies to you if you have applied for a financial product or service
and if you are a current customer.
I. WE PROTECT THE CONFIDENTIALITY OF CUSTOMER INFORMATION.
We strive to maintain the security, confidentiality and privacy of our customer
information. All our employees and others hired to work for us agree to adhere to
our polices and procedures to prevent any misuse of your customer information.
We maintain various physical, electronic, and procedural safeguards to guard your
customer information. In order to provide you with superior service, we restrict
employee access to our customer information. Only the employees actively engaged
in their assigned duties who need access to such customer information to administer
our business, may access or use customer information.
II. WE ONLY COLLECT INFORMATION THAT WE NEED TO SERVE YOU AND ADMINISTER OUR BUSINESS.
In the process of serving you, we collect certain "nonpublic personal information"
(information about you that is not available publicly) from the following sources:
- Information we receive from you on applications or other forms (such as name, address, social security number, assets and income);
- Information about your transaction with us, our "affiliates" BudgetLine family of companies, or others (such as your account balance and payment history);
- Information we receive from a consumer reporting agency (such as your creditworthiness and credit history); and
- Information we receive from other "nonaffiliated third parties" (such as your employer who may verify representations you made to us).
III. WE CAREFULLY LIMIT AND CONTROL THE SHARING OF CUSTOMER INFORMATION BOTH WITHIN
THE BUDGETLINE FAMILY OF COMPANIES AND WITH "NONAFFILIATED THIRD PARTIES".
In order to protect customer privacy, we carefully control the way we share customer
information.
A. WE MAY SHARE CERTAIN CUSTOMER INFORMATION WITHIN THE BUDGETLINE FAMILY OF COMPANIES.
Companies in our BudgetLine family who may receive your customer information include
financial service providers, such as consumer lenders, small lenders, deferred deposit
providers, check cashers, supervised lenders, regulated lenders, delayed deposit
providers, collection agencies, loan brokers, deferred presentment providers and
others, such as any company that may offer a product or service that we believe will
be useful, helpful or convenient to you. Under the Fair Credit Reporting Act, we may
share within the BudgetLine family of companies "experience" information, such as a
customer's account history and experiences with us. You cannot prevent us from
sharing "experience" information with our BudgetLine family of companies. Additionally,
unless you tell us not to, we may also share "nonexperience" information among the
BudgetLine family of companies which includes:
- Information you have given us as part of an application or otherwise (such as assets and income);
- Information we have obtained from "nonaffiliated third parties" (such as employment history); and
- Information we have received from a consumer reporting agency (such as credit history).
You can instruct us not to share "nonexperience" information within the BudgetLine
family of companies. If you wish to limit us from sharing such "nonexperience"
information within the BudgetLine family of companies, please complete the form
provided below and mail it to us at the address indicated. If you have a joint
account, a decision to opt out provided by one participant of the account will
affect all participants.
B. WE MAY SHARE "NONPUBLIC PERSONAL INFORMATION" WITH "NONAFFILIATED THIRD PARTIES".
We disclose "nonpublic personal information" as permitted or required by a variety of
federal and state laws, such as in response to a subpoena. Additionally, unless you
tell us not to, we may also disclose to "nonaffiliated third parties" all of the
"nonpublic personal information" that we collect as described above in Paragraph II.
Nonaffiliated third parties who may receive your "nonpublic personal information"
include not only financial service providers (such as banks and tax preparer companies,
consumer lenders, small lenders, deferred deposit providers, check cashers, supervised
lenders, regulated lenders, delayed deposit providers, collection agencies, loan
brokers, deferred presentment providers) but also non-financial companies (such as
retailers, companies that perform advertising or marketing services) and others
(such as any company that may offer a product or service that we believe will be
useful, helpful or convenient to you). If you wish to limit us from sharing any
such "nonpublic personal information" except as permitted by law, please complete
the form provided below and mail it to us at the address indicated. If you have a
joint account, a decision to opt out provided by one participant of the account will
affect all participants.
C. YOU CANNOT OPT OUT OF INFORMATION SHARED WITH SERVICE PROVIDER/JOINT MARKETING
COMPANIES.
We may disclose all the information we collect, as described above to companies that
perform marketing services on our behalf or to other financial institutions with whom
we have joint marketing agreements, such as banks. Your right to opt out as described
below, does not apply to the disclosures described in this subsection, which are
permitted by law.
IV. NOTICE OF FURNISHING NEGATIVE INFORMATION.
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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.
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V. YOU MAY PREVENT US FROM SHARING CERTAIN CUSTOMER INFORMATION BY OPTING OUT.
Please read the choices below carefully. If you wish to limit our right to share
certain customer information about you (other than disclosures permitted by law),
please check either or both of the appropriate box(es):
- If you prefer that we not share "nonexperience" information about you with our
"affiliates" (companies within the BudgetLine family of companies), you may direct us
not to share this information by checking the box and mailing this form to us at
BudgetLine Cash Advance, LLC, Attn: Opt Out, P.O. Box 724686, Atlanta, GA 31139
and/or
- If you prefer that we not share any "nonpublic personal information" about you with "nonaffiliated third parties" except as permitted by law, you may direct us not to share this information by checking the box and returning this form to us at BudgetLine Cash Advance, LLC, Attn: Opt Out, P.O. Box 724686, Atlanta, GA 31139.
VI. YOUR CHOICE TO LIMIT MARKETING.
You may limit our affiliates from marketing their products or services to you based
on information that we share with them, such as your income, your account history with
us, and your credit score. This limitation does not apply in certain circumstances,
such as if you currently do business with one of our affiliates or if you ask to
receive information or offers from them. To limit marketing offers check the box and
follow the directions below.
If you do not want our affiliates to market their products or services to you based
on information that we share with them, please check the box and mail this form to us
at: BudgetLine Cash Advance, LLC, Attn: Opt Out, P.O. Box 724686, Atlanta, GA 31139.
If you have chosen one or both of the options above, your opt out will apply to all
services you receive from us, even if you become an inactive customer. You may
exercise your right to opt out at any time by mailing this Notice or a copy thereof to
us at the address indicated below. You may also revoke your decision to opt out at
anytime by mailing to us at the address indicated below verification of such decision.
Please mail to: BUDGETLINE CASH ADVANCE, LLC
Attn: Opt Out
P.O. Box 724686
Atlanta, GA 31139
Signed _________________________________________
Print Name______________________________________
Address ________________________________________
_______________________________________
City State Zip Code
Phone (_______) ________________________________
Soc.Sec.No._____________________________________
Date___________________________________________
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