Your Rights Under The CCPA
General Information. If you are a California Resident, you are entitled to additional rights over your personal information under the California Consumer Privacy Act of 2018 (CCPA) and certain other privacy and data protection laws. This section summaries the categories of information we collect about you, why the information is collected, who we share your information with, and for what reason that information is shared.
Category of Information – A
Identifiers
Examples
Name, internet protocol address, email address, or other similar identifiers
Source of Information
Consumer, third-party data providers, marketing partners, and advertising partners
Purpose of Collection
For us to provide services, market to you, analyze your use, conduct research, maintain security of our systems and operations, and to meet our legal compliance requirements
Who Do We Share With
Lenders, non-lenders or intermediary service providers, marketing partners, advertising partners, web analytics providers, service providers, vendors, customer support providers, data processing providers, law enforcement, government authorities, parties that legally compel us to share your information
Category of Information – B
Personal information categories listed in the California Customer Records statute
Examples
Name, address, telephone number, driver’s license or state identification number, employer, social security number, bank account number
Source of Information
Consumer and third-party data providers
Purpose of Collection
For us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain security of our systems and operations, and to meet our legal compliance requirements
Who Do We Share With
Lenders, non-lenders or intermediary service providers, marketing partners, advertising partners, service providers, customer support providers, data processing providers, law enforcement, government authorities, parties that legally compel us to share your information
Category of Information – C
Protected classification characteristics under California or federal law
Examples
Age, military status
Source of Information
Consumer and third-party data providers
Purpose of Collection
For us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain security of our systems and operations, and to meet our legal compliance requirements
Who Do We Share With
Lenders, non-lenders or intermediary service providers, marketing partners, advertising partners, service providers, customer support providers, data processing providers
Category of Information – D
Commercial information
Examples
Product or service provider sites you choose to navigate to
Source of Information
Consumer and third-party data providers
Purpose of Collection
For us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain security of our systems and operations
Who Do We Share With
Lenders, non-lenders or intermediary service providers, marketing partners, advertising partners, service providers, customer support providers, data processing providers
Category of Information – E
Biometric data
Examples
Keystroke data
Source of Information
N/A
Purpose of Collection
N/A
Who Do We Share With
N/A
Category of Information – F
Internet or similar network activity
Examples
Information on a consumer’s interaction with a website, application, or advertisement
Source of Information
Consumer, web browsers, marketing partners, and advertising partners
Purpose of Collection
For us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain security of our systems and operations
Who Do We Share With
Marketing partners, advertising partners, web analytics providers, security/anti-fraud providers
Category of Information – G
Geolocation data
Examples
Location
Source of Information
Consumer, web browsers, marketing partners, and advertising partners
Purpose of Collection
For us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain security of our systems and operations, and to meet our legal compliance requirements
Who Do We Share With
Marketing partners, advertising partners, web analytics providers, security/anti-fraud providers
Category of Information – H
Sensory data
Examples
Audio, electronic, visual, or similar information
Source of Information
N/A
Purpose of Collection
N/A
Who Do We Share With
N/A
Category of Information – I
Professional or employment-related information
Examples
Current employer, length of employment
Source of Information
Consumer and third-party data providers
Purpose of Collection
For us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain security of our systems and operations
Who Do We Share With
Lenders, non-lenders or intermediary service providers, marketing partners, advertising partners, service providers, customer support providers, data processing providers
Category of Information – J
Inferences drawn from other personal information
Examples
Profile reflecting a person’s preferences
Source of Information
Third-party data providers, marketing partners, and advertising partners
Purpose of Collection
For us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain security of our systems and operations
Who Do We Share With
Data processing providers, web analytics providers, and security/anti-fraud providers
Right to Know.
As a California resident, you have the right to know (i) the categories of personal information we collected about you. (ii) the sources from which the personal information was collected; (iii) the business or commercial purpose for which it collected or sold the personal information; and (iv) the categories of third parties with which the business shares personal information.
Additional Privacy Rights.
You also have the right (i) to request that we tell you what specific information we have about you; (ii) to request that we delete your information; (iii) to opt-out of having your information sold; and (iv) for us not to discrimination against you for exercising these privacy rights. Please note that you may only make a CCPA-related request twice within a 12-month period.
Right to Non-Discrimination.
We will not discriminate against you for exercising any of your CCPA rights. Unless otherwise permitted by the CCPA, we will not (i) deny you goods or services; or (ii) provide you a different level or quality of good or service.
Alternative Format of CCPA Notice.
If you have a disability that prevents or limits your ability to access this CCPA Notice, please email us. We will work with you to provide this notice in an alternative format.
Authorized Agent.
California residents can empower an “authorized agent” to submit requests on their behalf. We will require the authorized agent to have a written authorization confirming that authority.
How to Submit Your Request for Specific Information.
You can request access to specific information we have about you by sending an email with the Subject Line “CCPA Request”. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver’s license or passport); and (vi) a description of what right you want to exercise. As a California resident, you have the right to (i) Access the categories of information we have on file; (ii) Access your specific information we have on file ; (iii) Delete your information we have on file. Once your request is submitted, we will reach out to you within the timeframe required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.
How to Exercise Your Right to Delete Information.
You can request the categories of information we have on file or deletion of information . You may also submit this request by sending an email with the Subject Line “CCPA Right to Request or Delete Information”. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) date of birth; (v) proof of your identity (e.g. driver’s license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the timeframe required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.
DO NOT SELL MY PERSONAL INFORMATION
If you are a California resident, you have the right to direct us not to sell your personal information at any time. You may submit your request by sending an email via this form, or directly to info@cashloansexpress.com, with the Subject Line “CCPA Do Not Sell My Information”. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver’s license or passport); and (vi) a description of what right you want to exercise.
Once a request is submitted, we will process and fulfill the request within 15 days accordingly.
However, if you opt-out, please note that we will be unable to help you find a loan or other product or services that may be of interest to you through our Network Partners. In order to opt-in, please resubmit your request, which lets us know that you want to sell your information to deliver the products and services you requested.
Representative Examples of Costs & APR
The following table represents sample rates, is for informational purposes only, and may not reflect the actual APRs offered by your lender and/or lending partner. Although some providers offer rates from 4.95% up to 35.99% APR rates that low are only available to certain customers.
Rates Table
| Loan Amount | Interest Rate | Loan Term | Fee | Fee Cost | Repayment | APR | Total Repayments | Total Costs |
|---|---|---|---|---|---|---|---|---|
| $1,000 | 24.00% | 12 months | 3.00% | $30.00 | $94.56 | 29.82% | $1,134.72 | $164.72 |
| $2,000 | 19.00% | 24 months | 5.00% | $100.00 | $100.82 | 24.12% | $2,419.68 | $519.68 |
| $5,000 | 13.00% | 48 months | 8.00% | $400.00 | $131.67 | 18.23% | $6,320.12 | $1,720.12 |
| $10,000 | 7.90% | 60 months | 10.00% | $1000.00 | $202.28 | 9.20% | $12,136.80 | $3,136.80 |
The repayment terms are for close end loan products, and is not reflective of all loan products offered in our network.
This website assists consumers in locating a lender. We are not a lender or broker of loans and we do not take loan requests. Instead, we take referral information and make referrals to lenders or networks of lenders. Personal Loan amounts vary from $250 to $3,000. Not all lenders can provide up to $3,000.00 and not all referrals are accepted. For those consumers who do not qualify for a Personal Loan, we will refer you to alternative sources. We do not make loans of any type or credit decisions. We are not offering or soliciting you to participate in a loan. This site will refer you to sources including lenders and networks of lenders. Providing your information on this Website does not guarantee that you will be approved for a loan of any type. We are not an agent, representative or broker of any lender and do not endorse or charge you for any loan or related product. Our sources tell us that cash transfer times may vary and may depend on your individual financial institution. In some circumstances faxing may be required. This service is not available in all states. Other than the referral, we have no involvement in your loan request and loan process. For details, questions or concerns regarding your request or loan, please contact your lender directly. Our referrals are seeking individuals who wish to have short term financing to solve immediate cash needs. Our referrals should not be considered or used as a long term solution. Lenders may or may not perform credit checks with the three credit reporting bureaus: Experian, Equifax, or Trans Union. Lenders may perform alternative credit checks or consumer reports through alternative providers. By submitting your request for a referral, you are authorizing our referral sources including lenders to independently verify the information you submitted and your credit worthiness. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This service and offer are void where prohibited.
