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KwikCashAdvance.com Privacy Policy Last Updated 7/8/2013 This Privacy Policy ("Policy") applies to the KwikCashAdvance.com

 

web site. It tells users ("you" or "applicant") of the web site and the services provided therein about the information

 

collected by KwikCashAdvance.com and how KwikCashAdvance.com uses and shares this information. The KwikCashAdvance.com web

 

site is operated by Ameritech Advance, LLC. All references below to KwikCashAdvance.com or "we" include Ameritech Advance,

 

LLC. Types of Information We Collect KwikCashAdvance.com collects both "personally identifiable information" and "non-

 

personally identifiable information" from or about users of its web sites. Personally Identifiable Information

 

KwikCashAdvance.com collects several types of information that may identify a particular individual ("personally

 

identifiable information"). We collect personally identifiable information when you provide it to us through your use of

 

the site, such as by completing one or more stages of an application form to apply for a loan from a lender participating

 

in our lender network ("participating lenders") or by sending questions to us via the web site. The types of personally

 

identifiable information we collect include: name, physical address, telephone number, social security number, email

 

address, date of birth, driver's license number and state, information about home ownership, citizenship status,

 

employment information, active military information, amount and frequency of pay checks, and information about your

 

banking account. Non-Personally Identifiable Information Non-personally identifiable information is anonymous information

 

that cannot be associated with a specific individual. The types of non-personally identifiable information that we collect

 

(either directly, through the use of "cookies," or through the use of a third party tracking system) include: the IP

 

address of the computer making the request; your browser type and language; access times; information about areas of the

 

site visited by users of the site; information about the links that users may select to visit on the site. IP addresses

 

are not usually associated with your personal computer, but with a portal through which you accessed the Internet. IP

 

addresses are not linked to personally identifiable information. A "cookie" is a piece of information a web site sends to

 

your computer while you are viewing the web site to remember who you are without personally identifying you.

 

KwikCashAdvance.com may share this non-personally identifiable information only in summary form with its suppliers and

 

other third parties for the purpose of web site statistical and trend analysis. This information is not linked to any

 

personally identifiable information that can identify an individual person. Information Collected by Third Parties We may

 

allow third parties, including advertising partners and payday loan lenders, to display advertisements on our site. These

 

companies may use tracking technologies, including cookies, to collect information about users of our site who view or

 

interact with these advertisements. KwikCashAdvance.com does not provide personally identifiable information to these

 

third parties. How We Use Personally-Identifiable Information We use the personally-identifiable information you provide

 

to us through this site in order to deliver the products or services you have requested; provide you with customer

 

support; verify or review your application information to determine whether it meets eligibility requirements for

 

participating lenders; communicate with you by email, postal mail, telephone, and/or mobile devices about products or

 

services that may be of interest to you either from us, our marketing partners, or other third parties; display

 

advertising tailored to your interests or background; perform data and statistical analysis on use of the web site;

 

enforce our terms and conditions, and perform any other functions otherwise described to you at the time we collect the

 

information. We may review and use your financial information and your social security number to match you with

 

participating lenders in our loan network or other third party lenders with whom we have a business relationship. We may

 

also review your financial information and social security number to verify your identify and protect against possible

 

fraudulent transaction. Sharing Your Personally-Identifiable Information KwikCashAdvance.com may share your personally-

 

identifiable information (including, without limitation, your financial account information and social security number)

 

with lenders participating in our lender network and other third party lenders with whom we have a business relationship.

 

These third party lenders may use your personally-identifiable information to offer you a payday loan or to communicate

 

with you about other business or marketing offers. In addition, we may share your personally identifiable information

 

(including your financial account information and social security number) with unaffiliated third party marketers and list

 

managers with whom we have a business relationship. Any third parties with whom we share personally-identifiable

 

information may have their own policies which describe how they use and disclose your information. Those policies will

 

govern the use, handling, and disclosure of your information once we have transferred or shared it with those third

 

parties as described in this Policy or our Terms and Conditions. KwikCashAdvance.com will disclose your personally-

 

identifiable information in response to a subpoena or similar investigative demand, a court order, or a request for

 

cooperation from a law enforcement agency or other government agency; to establish or exercise our legal rights; to defend

 

against legal claims; or as otherwise required by law. We will disclose your personally-identifiable information when we

 

believe disclosure is necessary to investigate, prevent, or take action regarding illegal activity, suspected fraud or

 

other wrongdoing; to protect and defend the rights, property, or safety of our company, our employees, our web site users,

 

or others; or to enforce our website terms and conditions or other agreements or policies. In addition, in the event that

 

all or substantially all of KwikCashAdvance.com's stock and/or assets are transferred or sold to another entity,

 

KwikCashAdvance.com may transfer personally-identifiable information to the acquiring entity. Links to Third Party Web

 

Sites We may provide links or automatically redirect you to third party web sites that do not operate under this Policy.

 

For example, if you click on an advertisement presented on our site, you may be taken to a web site that

 

KwikCashAdvance.com does not operate or control. You should review the privacy statements and terms of use of all third

 

party web sites you access. These third party web sites may independently solicit and collect information from you. On

 

occasion, those third party web sites may provide us with information about your use of those sites. Changes

 

KwikCashAdvance.com's policies, content, information, promotions, disclosures, disclaimers and features may be revised,

 

modified, updated, and/or supplemented at any time and without prior notice at the sole and absolute discretion of

 

KwikCashAdvance.com. Changes to this Policy will be posted on the KwikCashAdvance.com web site and we will revised the

 

"last updated" date at the top of this policy. You should review this Policy each time you access the web site. If we make

 

any material changes in the way we collect, use, and/or share personal information that may impact you, we will notify you

 

by sending an email to the email address you most recently provided to (unless we do not have an email address for you)

 

and/or by prominently posting notice of the changes on this web site. Children's Privacy Our web site is not intended for

 

use by children under the age of 13. We do not knowingly collect personally-identifiable information from children under

 

the age of 13. Security KwikCashAdvance.com has put in place physical, procedural, and technological security measures to

 

help prevent unauthorized access to and improper use of the information we collect online. For example, only authorized

 

employees and authorized third parties are permitted to access personally-identifiable information, and they may do so

 

only for permitted business functions. No web site or Internet network can be completely secure. Although we take steps to

 

secure your information, we do not guarantee, and you should not expect, that your personal information, searches, or

 

other communications will always remain secure. Accessing Your Personally-Identifiable Information If you would like to

 

review and/or request changes to the personally identifiable information that we have collected about you through your use

 

of the KwikCashAdvance.com web site, please contact us by writing or sending email to the addresses below. Contact If you

 

have questions, comments, or concerns regarding our Privacy Statement, please write to us or send us email: 810 Saturn St

 

#16 Jupiter FL 33458 This e-mail address is being protected from spambots. You need JavaScript enabled to view it Disclosure Our lenders may offer you a loan with an APR between 261% and

 

1304% The APR on a small dollar, short term loan represents the amount of your loan, cost of the loan, term of the loan

 

and repayment amounts and timing. Loans on the lower end of the APR range may be for a larger loan amount and for a longer

 

term. Loans on the higher end of the APR range may be for a smaller loan amount and for a shorter term. Depending on your

 

credit needs, and desire to pay your loan off quickly, your lender may only offer you loans with an APR near the high end

 

of the range displayed. NOTICE: THIS IS AN EXPENSIVE FORM OF CREDIT. A SHORT TERM LOAN SHOULD BE USED FOR SHORT-TERM

 

FINANCIAL NEEDS ONLY, NOT AS A LONG-TERM FINANCIAL SOLUTION. CUSTOMERS WITH CREDIT DIFFICULTIES SHOULD SEEK CREDIT

 

COUNSELING OR MEET WITH A NONPROFIT FINANCIAL COUNSELING SERVICE IN THEIR COMMUNITY. If you do not pay your loan according

 

to its terms, your lender may: Charge you late fees Send your account to a collection agency Report your information to a

 

consumer reporting agency, which may negatively affect your credit score Offer to renew, extend or refinance your loan,

 

which may cause you to incur additional fees, charges and interest Late/partial payments: If you do not pay the full

 

amount of principal and interest by the agreed-upon payment date, you will likely be charged a new finance charge and

 

payment date may be extended until your next pay date. This new finance charge may be a flat fee, or may be calculated by

 

applying the proportionate amount of the finance charge to the unpaid loan amount. Review the late payment policy detailed

 

in the loan documents provided to you by your lender before signing your e-signature, and thereby agreeing to the loan

 

terms. Non-payment: KwikCashAdvance.com does not enforce payment. If you do not pay, your matched lender may take legal

 

action against you. Additional fees may apply to you in the event that you are unable to repay your loan. Information

 

regarding your payment history, delinquency or defaults on the account may be reported to a third party consumer reporting

 

agency and may impact your credit rating. Loan renewals: KwikCashAdvance.com will not provide a renewal for you. Your

 

lender has renewal policies which will vary. With every extension or renewal, a new finance charge ("Extension Fee") may

 

be assessed by the lender, and the re-payment date may be extended until the borrower's next pay date. The finance charges

 

can be significant depending on the lender Collection practices: Collections practices of lenders and/or any assignee(s)

 

will be in accordance with the principles of any applicable federal regulations at all times. Lenders may attempt to

 

contact borrowers via one or more authorized methods, including phone calls and emails, to arrange for payment. Impact to

 

Credit Score: Your lender may report late or missed payments to the credit bureaus. This can negatively affect your credit

 

store. Consumers with credit difficulties should seek credit counseling. If you have questions, comments, or concerns

 

regarding our Privacy Statement, please write to us or send us an email.

 


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