Consumer Privacy Principles Online, Fax and Phone Security Procedures
We here at Advance Funds Network understand and appreciate how important personal privacy is to you, and how concerned you are about the confidentiality and security of information we, and our lending partner(s), (collectively referred to as “we”) may obtain about you. We want you to understand the steps we have taken to safeguard the information we receive online, via fax and over the phone, about visitors who access or interact with our Website and from those who choose to borrow funds or enter into lease agreements.
Customer Service and Security
- To provide you with quality service, we must collect, process and use a certain of information. We want to assure you that confidentiality is one of our highest priorities, whether you interact with us in person, by telephone, through the mail or online.
- We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can accomplish these goals through the privacy principles outlined below.
Collection, Retention and Use of Information
- We collect, retain and use information about you only when we reasonably believe that it will help administer our business or provide products, services and other opportunities to you. We collect and retain information about you only for specific business purposes. We use information to protect and administer your records and accounts, to comply with certain laws and regulations, to help us design or improve our products and services, and to understand your financial needs so that we can provide you with quality products and superior service.
- We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you or your accounts, please notify us. We will investigate your concerns and correct any inaccuracies.
Limitation of Use
- Employee access to personally identifiable customer information is limited to those with a business reason to know such information. Employees are trained and educated on the importance of maintaining the confidentiality of customer information and on these privacy principles. Because of the importance of these issues, all of our employees are responsible for maintaining the confidentiality of customer and business information. Employees who violate these privacy principles will be subject to disciplinary measures and possibly termination.
- We are committed to the security of your financial, business and personal information and offer you online service through the most secure and appropriate methods consistent with the information being collected. Although our operational and data processing systems are in a secure environment that protects your profile information from being accessed by third parties, we cannot guarantee the security of our online environment. We maintain and grant access to customer information only in accordance with our internal security standards.
Sharing of Information with Affiliates and Other Parties
- We may share applicant, guarantor and other information with its suppliers, vendors, affiliates and agents in order to administer our business more efficiently and to enable these parties to offer products and services that may be of interest to you. These entities are obligated to keep the information that we provide them strictly confidential.
- Because credit information we gather is self reported and we do not directly approve nor decline credit, we are not bound by The Fair Credit Reporting Act. The lenders you are matched with and ultimately apply directly to operate under The Fair Credit Reporting Act as the primary law governing information sharing.
- As technology evolves, we will continue to look for better ways to gather and use information in order to offer financial products and services which best meet your financial needs, and to protect and safeguard information about you and your accounts.
- We want to assure you that you can visit our sites without identifying yourself or giving us any information about yourself. We will not obtain information that identifies you personally unless you specifically choose to provide such information to us.
- Email sent within our applications is secure. However, other email sent to us may not be secure unless we advise you that security measures will be in place prior to your transmitting the information. Please exercise caution in the event you are transmitting confidential information, such as social security or account numbers, to us via an unsecured email. Such communications should be sent to us via registered mail, our secure fax line (888) 830-2935 or you may call us during normal business hours at (888) 310-3110.
- We are not responsible for the information practices employed by sites linked to or from our Website. In most cases links to other websites are provided solely as pointers to information on topics that may be useful to the users of our services.
The National Advertising Initiative (NAI)
- has developed an opt-out tool with the express purpose of allowing consumers to “opt-out” of the targeted advertising delivered by its member networks. You can visit the NAI opt-out page and opt-out of this cookie tracking. Please visit: www.networkadvertising.org/managing/opt_out.asp for more information.
Helpful Security Tips
We also encourage you, the customer, to take steps in protecting information about you. An excellent source of information on how to prevent identity theft and what to do if you are a victim of identity theft is the Federal Trade Commission web site.
- Control physical access to your personal computer to prevent unauthorized access
- Log off when leaving your computer
- Select passwords that will be difficult for others to guess
- Do not give your passwords to others or write them down in a conspicuous location
- Install virus management software on your computer and use it frequently
- Use extreme caution when opening email received from unknown sources, paying special attention to attachments
- Do not execute an attachment from an unknown source. If you have concerns, delete the email without opening it
- Use the security features provided by your computer’s software
- Ensure that your browser uses the strongest encryption available
- Use only software from reliable vendors
Please direct all other security and privacy concerns to our Legal Department at (888) 310-3110 Ext. 113. Please note that phone calls may be monitored and recorded for security and training purposes.