Union Cash Loan Security and Privacy Policy
Privacy Policy
At Union Cash Loan, we take your privacy seriously. We have implemented procedures to ensure the confidentiality of your information. Our Privacy Policy below outlines how we protect your privacy. This policy is effective as of September 18, 2008.
Information We Collect
We may collect the following information from you:
- Personal information such as name, address, phone number, social security number, and banking information that you provide on your payday loan application.
- Email addresses.
- IP addresses.
- Information on which pages visitors access.
How We Use Your Information
We use the information that we collect to provide you services, such as payday loans. We may also use your information to resolve disputes. We may use your information to send you information from our partners and to improve our website.
Information Disclosure
We reserve the right to rent, share, or sell your personal information with affiliates and non-affiliates.
Children & the Internet
We comply with the Children’s Online Privacy Protection Act and do not knowingly collect data from minors. You must be over eighteen years of age to apply for any of our service.
Accuracy of Account Information
We have procedures in place to ensure that your personal and financial information is correct. If you believe that our records contain incorrect or incomplete information, please contact us immediately so we can rectify any discrepancies.
Credit Reporting Agencies
We may report information about your account to credit bureaus.
Changes to Our Policy
We reserve the right to make changes to our policies at any time. Notifications of our policy will be posted on our website.
Security Policy
At Union Cash Loan, we take your security and privacy very seriously. We have taken several steps to ensure the confidentiality of your information. We have set up firewalls to help block unauthorized access. We also use 128 bit Secure Socket Layer encryption to transmit information to you and to your bank. We run computer virus protection programs on a regular basis to prevent viruses from infecting our systems.
We also encourage our customers to help protect their information. Please do not transmit any non-public information via email or instant messenger. Make sure your computer is protected by a firewall and do not choose passwords that are easy for others to guess. Do not allow anyone access to your payday loan account.
Regulation Z
Regulation Z requires the full disclosure of all costs and terms associated with any payday loan or cash advance service. Reg. Z requires all costs associated to be expressed as an annual percentage rate of interest (APR). The creditor needs to disclose the following information to customers:
- Identity of the creditor
- Amount financed
- Itemization of amount financed
- Finance charge
- Annual percentage rate
- Payment schedule
- Total of payments
The federal Equal Credit Opportunity Act prohibits creditors from discriminating against applicants on the basis of color, race, religion, sex, marital status, and age.