Online Privacy Policy
EFFECTIVE: January 1, 2023, Version 2.0
This Privacy Policy ("Policy") applies to the use of Allied Cash Advance, Check 'n Go (the "Company") online sites and any Company affiliate or subsidiary sites. This Policy describes how the Company may collect, share, and use personal information about you based on your interaction with our sites and the choices you make about how your information is collected and used. Please read this Policy carefully. Your continued use of our sites means that you understand and consent to the terms of this Policy. This Policy is intended to cover only our U.S. customers. If you access our online services or visit our U.S. sites, your information may be transferred or processed in the United States.
What We Collect
Personal Information
When you use the Company' online sites, we may collect and share your personal information that you provide via forms, applications, surveys, and other online fields. This information can include:
- Name, address, and contact information;
- Social Security number and income information;
- Payment history and employment information;
- Financial account details and account balances;
- Information from identification documentation, such as your driver's license, passport, or utility bills.
Non-Personal Information
In addition to the personal information that we may collect from you, we may also automatically gather and store non-personal information about your visit including the IP address from which you access our sites; browser information; computer operating system information; the date and time you access our sites; the pages, files, and links you visit; and the web address from which you linked to our sites. We may collect this information from the devices and networks that you use to visit our sites in order to help improve the services we provide. We may use this information to analyze trends, administer the site, track users' movements, and gather broad demographic information for aggregate use or for other business purposes.
Cookies and Other Tracking Technology
Company uses cookies and other tracking technology, to monitor website performance. These other tracking technologies may include some combination of web beacons, clear GIFs, or pixel tags. Cookies and other tracking technology allow us to collect information, such as your browser type, the time you spend on our sites, the pages you visited, your language preferences, and other anonymous visit data. We may use this information to improve the quality of our sites. Company may also contract with third-party companies that use cookies, web beacons, clear GIFs, pixel tags, and other tracking technology for our sites' analytics and to advertise our products and services on unaffiliated websites and mobile apps. With our approval, these companies will have access to your information as needed to perform their functions, but they cannot use your information for any other purpose. These companies will not have access to information that can personally identify you. Most web browsers are initially set up to accept cookies. Many web browsers also allow you to refuse cookies, but doing so may degrade your experience on our sites. Please see the information about "Your Choices" below.
How We Use Your Information
The information we collect is used to increase your service and experience on our sites. We may use your information for everyday business purposes including: to process your requests, transactions, applications, and inquiries; to verify your identity; to allow access to your online accounts; to recognize you when you return to our sites; to prevent fraud and increase security of our online services; and to comply with applicable legal requirements. We reserve the right to contact you regarding changes to this Policy or any other policies or agreements relevant to your use of our sites.
How We Share Your Information
Company may share your information with our service providers, affiliates, and other third parties. Where applicable, we limit sharing your non-public personal information according to our financial privacy notice. With regard to Social Security Numbers ("SSNs"), the Company takes all reasonable steps to protect the confidentiality of SSNs, prohibit unlawful disclosure of SSNs and limit access to SSNs.
Service Providers, Affiliates, or Joint Marketers
We may disclose certain personal and non-personal information we collect from your use of our sites to companies that perform services on our behalf, including those who assist us in processing transactions, preparing, and mailing statements (if applicable), and responding to user inquiries. In addition, we may disclose that information to service providers that perform marketing services for us and to financial institutions outside our corporate family with whom we have joint marketing agreements. We further reserve the right to share, rent, sell, or otherwise disclose the information we collect with affiliates and third parties for direct marketing purposes.
Non-Affiliated Third Parties
We may disclose certain non-personal information we collect from your use of our sites to third parties outside our corporate family ("Non-Affiliated Third Parties"). Non-Affiliated Third Parties may include financial service providers (such as banks or other lenders), nonfinancial companies (such as publishers, retailers, and direct marketers), and others. We may disclose your personal information to trusted third parties who assist us in operating our website, processing transactions, conducting our business, or servicing you, so long as these parties agree to keep this information confidential, consistent with this Policy. We may also disclose information about you to Non-Affiliated Third Parties as permitted by law, such as to comply with a subpoena, respond to inquiries from government authorities, or defend legal actions.
Your Choices
Do Not Track ("DNT")
Some web browsers have a "do not track" feature that lets you tell websites that you do not want to have your online activities tracked. Our website does not respond to web browsers' do-not-track signals.
Links to Other Websites
We may provide links to third-party websites from within our sites for your convenience. Please be aware that we are not responsible for the privacy practices of other sites. We encourage you to be aware when leaving our sites of the privacy policies and the terms and conditions that apply when you visit other sites that may collect your information.
Security
Company uses security measures consistent with industry standards to protect your information collected through our sites. These measures include technical, procedural, monitoring, and tracking safeguards to protect your information from misuse, unauthorized access or disclosure, loss, alteration, or destruction. Please keep in mind that no data transmission over the Internet is ever 100% secure, and any information that you transmit to us is done at your own risk.
Children's Privacy
Company does not knowingly contact or collect personal information from children under 13 years. Company' sites are not designed or directed to solicit information of any kind from children under 13 years.
Wireless Operator Authorization
You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to CNG Holdings Inc., or its service provider for the duration of your business relationship, solely to help them identify you or your wireless device and to prevent fraud. See our Privacy Policy for how to see how we treat your data.
Complaints and Corrections
If you have any questions about this Policy or if you have a complaint with regard to the use of your personal information, you may reach us through our Contact Us page.
California Consumer Privacy Act (CCPA)
The Company makes the following disclosures pursuant to the CCPA. California consumers have the right to request a disclosure of what categories and specific pieces of information were collected on them, the categories of sources from which the information was collected, the business purposes for collecting or selling the information, and the categories of third parties to whom the information was shared. If the Company sells or shares personal information for a business purpose, California consumers have the right to request a disclosure of the categories of personal information collected on them, the categories of personal information sold or shared, the categories of information disclosed for a business purpose, the categories of buyers of the information, and what categories of personal information were sold or shared to which categories of buyers. You may submit a request by clicking here. If you submit a request, the Company will compare the information you provide to Company records to verify it and respond to your request accordingly. The information you must provide includes your name, email address, physical address, and telephone number. Some information collected on California consumers is considered sensitive personal information; the Company restricts use of this information to reasons expressly permitted by the CCPA, and as such, a consumer’s right to restrict the use of that information is inapplicable. California consumers have the right to request correction of inaccurate personal information maintained by the Company.
California Consumers have a right to request deletion of their personal information collected by the Company. You may submit a request by clicking here. California consumers have the right not to be discriminated against by a business on account of their exercise of any of these rights. The Company provides a webpage with information and a pathway for California consumers to exercise their rights under the CCPA. If you submit a request, the Company will compare the information you provide to Company records to verify it and respond to your request accordingly. The information you must provide includes your name, email address, physical address, and telephone number. An authorized agent can submit a request on your behalf by providing additional written information substantiating the agent/principal relationship after using the toll-free number request submission method.
The categories of personal information collected on California consumers in the past 12 months includes: name, address, signature, telephone number, internet protocol address, email address, account name, social security number, birthdate, education information, driver’s license or state identification information, bank information, credit information, employment-related information, employment eligibility information, internet and network information, geolocation data, character and reputation information, Office of Foreign Assets Control records, biographical and personal history information, and inferences drawn from this information. The categories of sources from which consumer information is collected are consumer-generated applications for Company services, cookies and metadata from online user sessions, lending partners, lead generators, and consumer reporting agencies. The business purposes for collecting, selling, and sharing personal information include processing credit applications, servicing accounts, collection on accounts, and providing the best customer experience.
The categories of personal information of California consumers sold or shared in the past 12 months includes: name, address, telephone number, email address, credit information, and inferences drawn from this information. These categories of information may be sold or shared to Company lending partners, debit card companies, check cashing service companies, money transfer companies, data research firms, and other financial institutions. These categories of information may be sold or shared to Company lending partners for business purposes such as servicing, facilitating consumer communications, marketing, and processing transactions.
The categories of personal information of California consumers disclosed for a business purpose in the past 12 months includes: name, address, signature, telephone number, internet protocol address, email address, account name, social security number, birthdate, education information, driver’s license or state identification information, bank information, credit information, employment-related information, employment eligibility information, internet and network information, geolocation data, character and reputation information, Office of Foreign Assets Control records, biographical and personal history information, and inferences drawn from this information.
These categories of information may be disclosed to Company lending partners for business purposes such as servicing, facilitating consumer communications, marketing, and processing transactions. The company does not sell or share personal information of minors under 16 years of age. California consumers have the right to opt out of the sale or sharing of their personal information. The Company provides a webpage with information and a pathway for California consumers to exercise this right to opt-out under the CCPA. Note that certain information is exempt from the requirements of the CCPA, including information collected, processed, sold, or disclosed pursuant to the federal Gramm-Leach-Bliley Act, and implementing regulations, or the California Financial Information Privacy Act. These exemptions may impact the Company’s actions in response to consumers who exercise the rights set forth above. Despite any actions taken by the Company and inferences drawn from those actions, the Company reserves its rights to act in accordance with these exemptions. An authorized agent may submit a request on behalf of a California consumer. To do so, the agent must initiate the request by submitting an inquiry through the Company feedback form, including a statement the agent intends to submit a CCPA request form on behalf of another person. The agent will be prompted to provide additional documentation showing they have authority to make the request on behalf of the consumer. If accepted, the agent may make the submission through the CCPA request submission page. For more information on the CCPA, you can ask a question on the Company feedback form.
Policy Updates
This Policy is effective as of January 2023. We will notify you of any changes to this Policy by posting a notice on our homepage. Any changes will be effective as soon as they are published on our sites.
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Loans Rates and Terms by State
Select your state below to view important rates, terms, and disclosures unique to the state.
Online Disclosures
Customer Notice: Payday Loans are typically for two- to four-week terms. Some borrowers, however, use Payday Loans for several months, which can be expensive. Payday Loans (also referred to as Payday Advances, Cash Advances, Deferred Deposit Transactions/Loans) and high-interest loans should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction. See State Center for specific information and requirements.
California operations licensed by the California Department of Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law. Texas loans originated by a third-party lender, restrictions apply. Eastern Specialty Finance, Inc., D/B/A Check ‘n Go is licensed by the Delaware State Bank Commissioner pursuant to 5 Del. C. sec. 2201 et. al.
Check `n Go Online is not a direct lender in Texas, where instead it acts in the capacity as a Credit Services Organization in conjunction with third-party lenders.
*Active checking account open for at least 30 days.
*Approval depends upon meeting legal, regulatory and underwriting requirements. If approved and originated by 8:00 pm ET on a business day, online loans are typically funded no later than the following business day. All times and dates are based on Eastern Time (ET). Check `n Go and third-party lenders may, at their discretion, verify application information by using national databases that may provide information from one or more national credit bureaus, and Check `n Go or third-party lenders may take that into consideration in the approval process.
**Transunion CreditView Dashboard is a third party provided service. The material has not been modified or validated by Check `n Go.
Payday Loans in Indiana are available for a maximum of $660 for online loans
We do not report credit in Texas.
Products or services offered to customers may vary based on customer eligibility and applicable state or federal law. All available products subject to applicable lender’s terms and conditions. Actual loan amounts vary. See State Center for specific information and requirements.
Check `n Go currently operates online in: Alabama, California, Delaware, Florida, Idaho, Indiana, Kansas, Maine, Michigan, Missouri, North Dakota, South Carolina, Texas, Utah, Wisconsin, and Wyoming.
Check `n Go currently operates in store locations in: Alabama, Delaware, Idaho, Michigan, Missouri, Oklahoma, South Carolina, Texas, Utah, and Wisconsin.
The Company, individually or through its affiliates, is licensed as a Debt Collector by the California Department of Financial Protection and Innovation (DFPI), License Number 10435-99.
Notice to California consumers: Information on your privacy rights under the California Consumer Privacy Act can be found by clicking here.