By using this Site and its services, you are allowing the Site to collect “personally identifiable information” and “non-personally identifiable information” from You. These types of information are described below:
Personally Identifiable Information
Use of this Site requires You to provide certain ‘Personally Identifiable Information’. Your unique data allows for communication and identification. This information may include, but is not limited to: your name, date of birth, telephone number, physical address, Social Security number, driver’s license number and state, email address, employment information, active military information, information about home ownership, citizenship status, frequency and amount of paychecks, and your banking information.
Non-Personally Identifiable Information
Use of this Site provides us with anonymous ‘Non-Personally Identifiable Information’ which may include, but is not limited to: Internet Protocol address, Internet Service Provider, operating system type, and browser type. This information may be obtained directly through the use of ‘cookies,’ data sent to Your computer when visiting a website. The disabling of cookies may prevent access to certain areas of this Site. This Company has no control over cookie technology. This information may be summarized and shared with third parties for the analysis of trends and statistics and is in no way linked to your Personally Identifiable Information.
How Information is Shared with Third Parties
Use of this site authorizes this Company to share the information that you provide with third parties and affiliates. Sharing of Your information with this Company gives us Your permission to share this information with our network of third party lenders so that they may begin the loan request process. Third party lenders may use your information in one of several ways. It may be used to offer you a loan, offer other business services, or provide marketing information. Your information may also be shared with other third party list managers and marketers. Each of these parties has its own policies for collecting, using, and sharing your information. Once your information is shared, this Site is no longer responsible for their handling of your information.
The Company reserves the right to share the information that you provide in response to a legal process, to prevent or remedy fraud, in the instance that this Company is sold, acquired, or undergoes bankruptcy, to make improvements to this Site, in the event that you violate our Policies and/ or Terms & Conditions, or when and where this Company deems it to be necessary to protect this Company’s rights and its assets.\
In addition, this Site may allow advertisements from third party lenders and other advertising partners. These companies may employ their own technologies (including ‘cookies’) to track and collect information regarding their advertisements. This Site does NOT provide personally identifiable information to these third party advertising partners.
How Information is Used
The information that You provide allows us to pair you with a participating third party lender, either in our network of lenders or those with whom we have a business relationship. This information also allows us to review your loan request, provide accurate customer service, communicate with you by mail, email, telephone, or mobile devices regarding our services (either our own or those of third parties), in the enforcement of our Policy and Terms & Conditions, or to do any other service described to you on this Site. Your Social Security number and bank information may also be used to verify Your identity in order to protect against fraud.
How Information is Secured
This Site uses a number of security measures to protect Your personal information from unauthorized retrieval, use, disclosure or destruction. This includes both digital and physical information. This Site uses SSL (Secure Socket Layer) encryption, stores personal information on secure servers, and utilizes password protection.
Although we take precautions to protect Your information, the storage or transmission of data cannot be guaranteed. As such, this Site cannot guarantee your data, either in storage or in transmission. Accessing this site is done at Your own risk.
If a security breach does occur which affects Your Personally Identifiable Information, you will be notified along with any responsible agencies as dictated by law. Notification may take place in the form of an email. This notification could be delayed by law enforcement in order to conduct an investigation and enact further security measures.
Links to Third Party Sites
This Site may have links to third party sites that this Company does not control and whose policies differ from those of this Company. This Site is not responsible for the practices, content, or policies of third party sites. By accessing third party sites, you are responsible for the information you provide as well as the content that you access. These sites may use your personal information differently than the information that you submit to this Site. Please read each site’s Policies and Terms & Conditions.
If you provide your consent, we may send push notifications to your web browser or mobile device. Push notifications may include marketing messages from us or from third-parties. You can alter your push notification settings at any time by changing the notification settings on your mobile device or browser.
Opting Out of Communication
By submitting your information on this Site, you are opting-in to receiving communication contact from the Site and/or a trusted lender within our network of lenders. You may choose to ‘Opt Out’ of sharing your personally identifiable information for certain purposes when it is requested on this Site. When completing the registration process, indicate your preference on this Site or by following a link provided in our email communications. This Site, our affiliate(s) and/or third parties may also promote product and service offerings to you via e-mail, SMS (text) message, or by telephone to consumers who requested to be contacted either through our Site or through an Opt-In process on a third-party affiliate’s sites. To remove your information from our database to not receive future communications or to no longer receive our service, click here, or you may email email@example.com.
Please be aware that your participation in certain activities provided by our Site may be limited if personally identifiable information is not submitted for the user. E-mail addresses and phone numbers received in an opt-out request will be added to our company’s Do-Not-Contact registry within ten (10) days after receipt. Unless you “unsubscribe” or opt-out, this Site assumes you consent to receiving communications from it and its third-party vendors and affiliates. It is possible that a third-party vendor or affiliate may have purchased your contact information from an additional third-party and thus you may continue to receive contacts from those third-parties. This Site is not responsible for stopping all unwanted contact from sources beyond our immediate control. This Site abides by CAN-SPAM and TCPA.
For your protection: The owner of this Website is NOT A LENDER and does not endorse or charge you for any service or product and there is no guarantee that by completing this form a loan will be provided. Only your lender can provide you with information about your specific loan terms and APR and the implications for non-payment of your loan. Ask your lender for their current rates and charges and their policies for non-payment. 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 OR MAY OFFER TO RENEW, EXTEND OR REFINANCE YOUR LOAN WHICH MAY CAUSE YOU TO INCURE ADDITIONAL FEES, CHARGES AND INTEREST.
Actual loan amounts, terms and interest rates may vary by state and by lender. This website does not constitute an offer or solicitation to lend. This website simply attempts to connect you with an appropriate lender or lending network based on your application. Cash transfer times may vary between lenders and in some circumstances faxing is required. Typically lenders will NOT perform credit checks with the three major credit reporting bureaus: Experian, Equifax, TransUnion. However, credit checks or consumer reports through alternative providers may be obtained by some lenders in order to complete the loan application process. Each lender is required to provide you, the consumer, with all costs associated to be expressed as an annual percentage rate of interest (APR). This information will include the identity of the creditor, the amount financed, the itemization of amount financed, the finance charge, the annual percentage rate, your payment schedule, and your total number of payments. Your interest rate will vary depending upon which product you select from which lender - Currently this range is usually anywhere from 0% up to 450% APR. No lenders should charge you an upfront fee. Do not agree to any terms if there is an upfront fee. Loan renewal policies are largely governed by state regulatory legislation. The loan renewal options will be presented to you by your lender prior to your acceptance of the loan. Please make sure to diligently read the renewal policy presented to you prior to signing the loan documents.
NOTICE: PLEASE BORROW RESPONSIBLY. 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. FIRST CHOICE ADVANCES ONLY REFERS YOU TO LENDERS MOST WILLING TO FUND YOUR LOAN NOT NECESSARILY THE LOWEST INTEREST RATE.