Rapid Dollar is serious about protecting your online privacy and the information that you submit at the Rapid Dollar website (the "Website"). This Privacy Policy explains our views and practices concerning privacy, and how they may pertain to you as a user of our system.
"You" or "Your" means you as a participant in or as a user of the Rapid Dollar program. "We" or "Our" or "Us" means Rapid Dollar. "Our Website" means Rapid Dollar.
All information transmitted, printed or otherwise submitted to Rapid Dollar via this Website shall remain your property. However, unless you opt-out as explained herein, Rapid Dollar shall be free to use such information for any lawful purpose as detailed herein.
This Website contains links to other sites and we are not responsible for the privacy practices or the content of such sites.
Section 1
Collected Information
We automatically collect and/or track the following:
Please understand that the information that you submit to us at the Website is voluntary, but required if you request information on a loan at our Website, whether or not you actually enter into a formal application with any loan service provider. We may also collect your personally identifiable information when you otherwise agree to the terms of this Privacy Policy at the Website, but do not complete the full registration process.
Section 2
Gramm-Leach-Bliley Act, California Financial Privacy Act and Vermont Consumer Protection Act Notice
For purposes of compliance with the Gramm-Leach-Bliley Financial Modernization Act of 1999, 15 U.S.C. 6802 (the "GLB Act"), this Privacy Policy shall serve as both your initial customer relationship and annual "Privacy Notice" as defined under the GLB Act.
Section 3
Use of Data Collected
We use your personal, demographic and profile data to enhance your experience at our Website and to enable us to present content that we think you might be interested in. We use your contact information to send you information about our company and promotional material from our partners. We may also use your personal, demographic and profile data to improve our Website, for statistical analysis, for marketing and promotional purposes, and for editorial or feedback purposes. Information collected by us may be added to our databases and used for future e-mails or postal mailings regarding site updates, new products and services, upcoming events, and/or status of orders placed online. We may send you a Cash and Credit Newsletter. Notwithstanding the foregoing, we will not use your loan-specific financial information such as Social Security Number-related information, employment information and/or bank account information ("Sensitive Information") for any marketing purposes, or transfer same to any third party, other than to third party lenders and sellers where necessary to effectuate the application or purchase of products and/or services that you applied for from such third party lenders or sellers at the Website.
Section 4
Disclosure of Data to Third Parties
If you choose to provide personal information and do not opt-out as explained herein, it will be used for the following purposes: considering you for a Rapid Dollar account, sharing of your information with trusted third parties such as credit bureaus, loan service providers and/or other financial services providers in accordance with the terms of the GLB Act, and as required by law; and for marketing products and services that we determine you might find of interest. We reserve the right to share, rent, sell or otherwise disclose your information, other than your Sensitive Information, with/to third parties in accordance with the terms of applicable law including, but not limited to, the GLB Act. These third party businesses may include, but are not limited to: providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation; e-mail marketers; and telemarketers. Information collected by us may be added to our databases and used for future telemarketing, SMS text-messaging, e-mails or postal mailings regarding site updates, new products and services, upcoming events, and/or status of orders and/or loans placed online. By using this Website, you agree that you may be contacted in any manner contemplated in this section even if your number is found on a do-not-call registry or similar registry. We may also employ other companies and individuals to perform certain functions on our behalf. Examples include sending direct and electronic mail, removing duplicate information from customer lists, analyzing data, and providing marketing analysis. These agents have access to our users' personal information as needed to perform their functions for Rapid Dollar, but we do not permit them to use our users' personal information for other purposes. Notwithstanding the foregoing, we will not share your Sensitive Information other than with third party lenders and sellers where necessary to effectuate the application or purchase of products and/or services that you applied for from such third party lenders or sellers at the Website. By agreeing to this Privacy Policy, you authorize us to use your information to obtain other information about you from third-parties, such as your Social Security Number, where such information was incompletely or improperly filled out on our registration form. Such third-parties include, but are not limited to, consumer reporting agencies, consumer credit bureaus and other outside parties as permitted or required by applicable laws. Any and all Sensitive Information that we collect from you as part of your loan application, and from such third-parties, will be used to determine your eligibility for a loan and will not be shared with third-parties other than independent loan service providers for purposes of evaluating your qualifications for a loan and provision of such a loan, should you qualify. If you choose to provide information, such as your Social Security Number, we may use that information to determine your financial status. If you do not provide such information, we may also use other information that you provided for the purpose of verifying your eligibility for a loan or for any other programs, offer or services. Upon qualification, your ultimate loan-specific financial information will be stored and utilized by your applicable lender pursuant to the terms of that lender's Privacy Policy. Notwithstanding the foregoing, for purposes of compliance with the GLB Act, We will not share "nonpublic personal information" with our affiliates or non-affiliates without providing customers with an annual "Privacy Notice" explaining that We will be sharing this nonpublic personal information with our affiliates or non-affiliates and, for purposes of the GLB Act, providing customers with the opportunity to opt-out from such disclosures. For purposes of compliance with the GLB Act, this Privacy Policy shall serve as the annual "Privacy Notice" as defined under the GLB Act.
Rapid Dollar reserves the right to release current or past user information in the event Rapid Dollar believes that the service and/or Website is being or has been used in violation of the Website's Terms and Conditions, or to commit unlawful acts, if the information is subpoenaed, if Rapid Dollar is sold or acquired, or when Rapid Dollar deems it necessary or appropriate. By agreeing to these conditions, you hereby consent to disclosure of any record or communication to any third party, when Rapid Dollar, in its sole discretion, determines the disclosure to be appropriate including, without limitation, sharing your e-mail address with other third-parties for suppression purposes in compliance with the CAN-SPAM Act of 2003, as amended from time to time, and Federal Trade Commission enabling regulations.
You agree that by submitting your information at the Website, you agree to receive mobile marketing including, but not limited to, text-message based marketing, from us and our third party advertisers and marketers. Notwithstanding that your mobile telephone number may be listed on state and/or federal do-not-call registries, we retain the right to contact you via text-message based marketing in accordance with applicable state and federal law. In addition, by registering and/or using the Website, you agree that such act constitutes an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule (16 CFR §310 et seq.), as amended from time to time (the "Rule"). Notwithstanding that your telephone number may be listed at the Federal Trade Commission's Do-Not-Call List, we retain the right to contact you via telemarketing in accordance with the Rule.
Section 5
Information Collection Processes
Rapid Dollar may employ "cookies" to help customize your access to the Website. A cookie is a piece of data stored on your hard drive containing information about you. Cookies have many benefits to enhance your experience at our Website. For instance, by setting a cookie on our Website, a user would not have to log in a password more than once, thereby saving time while on our Website. Even in the case where a user rejects a cookie, they may still use our Website. The only drawback to this is that the user will be limited in what he/she can access in some areas on our Website, much like visitor-level access.
We occasionally use cookies to anonymously track and target the interests of our users to further enhance the experience on our Website or for advertising tracking purposes. To find out more about cookies, please visit www.cookiecentral.com.
In addition to cookies, our Website pages and/or e-mails may contain electronic images known as "pixel tags" (also knows as clear gifs) to track the pages that visitors and/or users visit at the Website for purposes of formatting future campaigns and upgrading visitor information used in reporting statistics. Our Website may also contain pixel tags placed there by third parties to help determine the effectiveness of a joint promotional or advertising campaign.
Section 6
Third Party Sites
Please be advised that in certain circumstances, we act as a limited agent for the actual third party lender or seller of the products and/or services available at or through the Website. In these circumstances: (a) you will be redirected to the applicable third party lender's or seller's website after you have completed the application page; (b) we will collect and send your personal information to the respective third party lender or seller in connection with completing your application or purchase from the third party lenders or seller, as applicable; and (c) your application or purchase will subject you to the third party lender's or seller's privacy policy, as applicable.
We do not endorse, nor are we responsible for the accuracy of, the privacy policies and/or terms and conditions of each of the third party lenders or sellers that may advertise at the Website. The entities that advertise and/or place banner ads at the Website including, but not limited to, these third party lenders and sellers, are independent third parties and are not affiliated with us.
Section 7
Your Rights to Your Personal Data
Upon request via postal mail or e-mail, we will provide you a summary of personal information retained by us. We will only send your personal records to your e-mail address or postal address that we have on file for you. To modify, correct, change, update or remove your personal record from our database, click here or send your request via email to: customerservice@rapiddollar.com.
Section 8
We Do Not Intend to Collect Data from Children
Individuals under eighteen (18) years of age are not permitted to obtain products and/or services from Rapid Dollar. No information should be submitted to, or posted at, Rapid Dollar by visitors under eighteen (18) years of age without first obtaining the prior consent of their parent or guardian. We encourage parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children.
Section 9
Our Right to Contact You
We reserve the right to contact you regarding your account status and changes to subscriber agreements, Privacy Policy, or any other policies or agreements relevant to you.
Section 10
Security
All information collected is stored in a technically and physically secure environment. When our registration/application process asks users to enter Sensitive Information, and when we store and transmit such Sensitive information, that information is encrypted and is protected with SSL encryption software. While we use SSL encryption to protect sensitive information online, we also do everything in our power to protect user information off-line. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, we cannot ensure or warrant the security of any information that you transmit to us, and you do so at your own risk. Once we receive your transmission, we make reasonable efforts to ensure its security on our systems. Access to this information is strictly limited, and not accessible to the public. All of our users' information, not just the sensitive information mentioned above, is restricted in our offices. Only employees who need the information to perform a specific job are granted access to personal information. Our employees are dedicated to ensuring the security and privacy of all user information. Employees not adhering to our firm policies are subject to disciplinary action. In compliance with applicable federal and state laws, we shall notify you and any applicable regulatory agencies in the event that we learn of an information security breach with respect to your personal information. You will be notified via e-mail in the event of such a breach. Please be advised that notice may be delayed in order to address the needs of law enforcement, determine the scope of network damage, and to engage in remedial measures.
Section 11
Our Right to Change
We reserve the right to change this policy at any time by notifying you of the existence and location of the new or revised privacy policy or by posting the changes online at our Website. All changes will take effect immediately upon their posting on our Website. Please check this page periodically for changes. Your continued use of the Rapid Dollar service, Website or acceptance of our e-mails following the posting of changes to this Policy will mean that you accept any and all such changes and that you agree to continue receiving marketing from us and other third party companies.
Section 12
Our Contact Information
If you have any questions about this Privacy Policy, the practices of this Website, or your dealings with this Website, you can contact us via email sent to: customerservice@rapiddollar.com.
Section 13
Information for ISPs
Web site: Rapid Dollar
Company Name: Rapid Dollar
Email Address: customerservice@rapiddollar.com.
Rapid Dollar understands consumers' concerns over the use of their personal information. We hope this information will relieve any concerns that your company may have regarding our email policies.
Rapid Dollar and its affiliated sites use only an "opt-in or opt out" method of obtaining customer information, and it is not our policy to send unsolicited email. We obtain email addresses and personal information from third parties that follow the same set of policies.
Rapid Dollar email messages sent include the following information about the origin of the emails and include instructions on how recipients can unsubscribe from receiving future email messages:
--------------------------------------------------------------------------------
This email is not sent unsolicited. This is a Rapid Dollar emailing. Offers are sent to subscribers ONLY.
The e-mail address you subscribed with is:
To be removed from our list, click here.
View our Privacy Policy
--------------------------------------------------------------------------------
From time to time, Rapid Dollar will enter into an arrangement with a third party website to allow individuals to opt into our marketing program on those third party websites. In each case, the third party websites have represented and warranted to us, among other things, that the data was collected voluntarily from individuals on website registrations and co-registrations, that the sellers have a right, under any applicable privacy policies, to transfer the data to us, and that Rapid Dollar has the right to send marketing offers to the individuals. We hope this information satisfies any questions or concerns you may have regarding the email practices of Rapid Dollar. If you have additional questions or wish to discuss this matter further, please contact us at customerservice@rapiddollar.com.
NOTICE: YOU MAY OPT-OUT OF RECEIVING MARKETING INFORMATION FROM US AND HAVING NONAFFILIATED THIRD PARTIES RECEIVE NONPUBLIC PERSONAL INFORMATION ABOUT YOU.
Your Opt-Out Rights
You may opt-out of receiving communications from us and from our sharing your nonpublic personal information with third-parties partners by sending your request in writing via email to customerservice@rapiddollar.com.
In the event you do not opt-out at the time of application and later desire to not be contacted by these companies or third parties, you should notify them directly of your choices regarding their use and sharing of your information. As noted, we use personal information to provide promotional offers by e-mail to our Website users. We may maintain separate e-mail lists for different purposes. If e-mail recipients wish to end their e-mail subscription from a particular list, they need to follow the instructions at the end of each e-mail message to unsubscribe from the particular list. To opt-out from receiving any additional email communications regarding the Website, please send your request in writing via email to customerservice@rapiddollar.com.