Xpress Loans 911 (“Xpress Loans 911”, “we,” “us,” or “our”) recognizes that in the financial services industry there is a critical need of protecting consumer data. Therefore, the privacy of personal information is of primary concern for Xpress Loans 911.
Xpress Loans 911 provides what we believe to be reasonable physical, electronic, administrative and procedural safeguards in an effort to preserve the security, integrity, and confidentiality of all personal information collected. These protections include among other things, building security, controlled access to customer files, and technological safeguards such as use of passwords, firewalls, virus prevention, and detection software.
We collect information from you when you register for our service. This information includes, but is not limited to, your name, e-mail address, mailing address, phone number, social security number and bank account information. We also collect information regarding our transactions and experiences with you, including your payment history. We may also collect information from third-parties’ websites or applications as specified in this policy below. You may, however, visit our site anonymously.
INFORMATION WE COLLECT
This Policy covers the information we collect about you to assist us in serving your financial needs, providing you with quality products and services, and satisfying legal and regulatory requirements. You may provide information to us in various ways, such as when you request information about us, our products and services, inquire about job postings, submit applications, forms, and surveys, or send us question, comments, or feedback. The information we collect is both Personal and Non-Personal in nature. Personal Information may include your name, address, age, phone number, social security number, employment information, and financial information. Non-personal information may include data on when you visit and interact with our website or services.
Any of the information we collect from you may be used in one of the following manners:
To compile, save, use and analyze your information in both a personally-identifiable form and an aggregated, non-personally identifiable form;
To operate, maintain, improve and provide to you our Services, conducting our business and processing transactions;
To verify your identity;
To register you as a user and identify you when you sign in to your account;
To conduct background checks and determine your eligibility for funding;
If you are approved for funding, to process, service and collect your financing transaction;
To personalize your experience and improve customer service (your information helps us to better respond to your individual needs, your service requests, to send marketing communications and send account update notifications);
To develop and improve our website (we continually strive to improve our website offerings based on the information and feedback we receive from you);
We will share your Personal Information with third parties only in the ways that are described in the policy.
We may share your Personal Information with third parties who assist us in the administration, processing, and servicing of your application and loan. These third parties may include brokers, title companies, appraisers, insurance companies, underwriting services, processing services, printing companies, software providers, marketing services, and purchasers of loans, among others. We may also disclose information about you, when necessary or required, in legal and arbitration proceedings and to government agencies.
We will provide your information to our trusted business partners who assist us in operating the Site, conducting our business (including partners referring you to us), or servicing your account, so long as those parties agree to keep this information confidential. We also may disclose your information to third parties to whom we may refer you or your inquiry or application for financing or other services. In addition, we may disclose our transactions and experiences with you to credit bureaus.
As required by law, such as to comply with a subpoena, judicial or administrative order and/or any similar legal process.When we believe in good faith that disclosure is necessary to (i) protect our rights or the rights of third parties (ii) to protect our property and safety or the property and safety of others, or (iii) investigate fraud or respond to a request from a governmental entity;If Xpress is involved in a merger, acquisition, transfer, auction (including in a bankruptcy proceeding) or sale of all or substantially all of its assets or equity, in connection with such a transaction;Non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.To collection agencies, credit bureaus and fraud prevention agencies;To any other third party with your prior consent to do so.
ACCESSING AND CORRECTING YOUR INFORMATION
We take security very seriously and have developed a comprehensive set of practices, technologies and policies to help ensure your data is secure. We make it a priority to take our users’ security and privacy concerns seriously. We use some of the most advanced technology for Internet security that is commercially available today.
We implement a variety of security measures to maintain the safety of your personal information when using the Site, enter, submit, or access your personal information. We offer the use of a secure server. All of our communications and processing occur through Secure Socket Layers (SSL) technology, using SSL encryption to ensure the security of all information and then save into our secure database only to be accessible by those authorized with special access rights to such systems, and are required to keep the information confidential.
To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online. We also use the services of a leading companies to process all financial transactions.
While we strive to protect your personal information, Xpress cannot ensure or warrant the security of any data or content you transmit to us, and you do so at your own risk. In the event of a breach of the security of your personally identifiable information, we will, to the extent required by law, notify you so you can take appropriate protective steps and to inform you of the steps that Xpress is taking with respect to such breach.
You may send us an email at email@example.com to request access to, correct, or delete any Personal Information that you have provided to us. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.
We will retain your information for the period of time necessary to satisfy legal and regulatory requirements.
We do not sell, rent, release, disclose, disseminate, make available, transfer, or otherwise communicate orally, in writing, or by electronic or other means, your Personal Information to another business or third party for monetary or valuable consideration.
We may use your Personal Information to communicate with you. We also may provide notifications to you that are required by law. You may not opt out of such services-related and legally required communications. Subject to applicable law, we may provide such notifications to you via email, text message, hard copy, or through conspicuous posting on our website. You can update your account information by emailing firstname.lastname@example.org.
We may also send you marketing emails, including promotions and new product offerings. You can stop receiving marketing email communications from us by clicking on the unsubscribe link provided at the bottom of the communications. We make reasonable efforts to promptly process all unsubscribe requests. Furthermore, we may send marketing text messages to your mobile phone if you opt in. Standard message and data rates may apply. You can opt-out of these messages by informing the sender or by emailing us at email@example.com.
CHILDREN’S ONLINE PRIVACY
Our websites are intended for use by ages 18 or older. We do not knowingly collect any Personal Information from minors and minors should not use our websites or our services at any time.
COOKIES AND INTERNET BASED ADVERTISING
We may automatically collect certain types of usage information when you use our website including but not limited to your browser type, operating system, Internet Protocol address, bandwidth speed, and information collected through cookies, web beacons, and other technologies (“Usage Data”). Some specific examples include:
- We may send one or more cookies — a small text file containing a string of alphanumeric characters — to your computer. Cookies uniquely identify your browser and allow us to help you log in faster and enhance your navigation through the site. A cookie may also convey information to us about how you use the website (e.g., the pages you view, the links you click, how frequently you access the website, and other actions you take on the website), and allow us to track your usage of the website over time.
- We may collect log file information from your browser or mobile device each time you access the website. Log file information may include anonymous information such as your web request, Internet Protocol address, browser type, information about your mobile device, referring / exit pages and URLs, number of clicks and how you interact with links on the website, domain names, landing pages, pages viewed, and other such information.
- We may employ clear gifs to track users’ online usage patterns of our website or which emails are opened and which links are clicked by recipients.
- We may collect analytics data, or use third-party analytics tools, to help us measure traffic and usage trends for the website. These tools collect information sent by your browser or mobile device, including the pages you visit, your use of third-party applications, and other information that assists us in analyzing and improving the website.
We generally use Usage Data for user convenience, system administration, and statistical analysis, such as to: (i) remember information so that you will not have to re-enter it; (ii) provide customized content and information, including advertising; (iii) monitor the effectiveness of our website; (iv) monitor aggregate metrics such as total number of visitors, traffic, and usage patterns; (v) diagnose or fix technology problems; and (vi) enhance our website. Types of Usage Data that qualify as Personal Information will be treated as such under this Policy. If desired, you can often delete or disable cookies through your web browser’s settings, as discussed in Internet Explorer, Firefox, Chrome, and Safari.
We may collect information about you from state departments of motor vehicles (“DMVs”) for use in the normal course of business to verify the accuracy of information you may submit to us. We may redisclose such DMV information only for a permitted use, including for collection purposes.
We may modify this Policy from time to time. We will promptly make any changes available at https://xpressloans911.com/privacy-policy/. Changes will be effective as soon as the revised Policy is posted, unless otherwise stated. Your continued use of our website after we post a revised version of this Policy signifies your acceptance.
You agree that this policy is governed by the laws of the State of North Carolina without regard to conflict of laws hereof.
If you have any questions about this Policy, you can email us at firstname.lastname@example.org. To reach us by mail, please write to us at the following address:
Attention: Compliance Department
Xpress Loans 911
100 Tryon Street
Charlotte NC 28202
This Policy was last modified on October 5, 2020.