Our comprehensive privacy policy was authored to help you familiarize yourself with our company’s practices associated with collecting information online. In turn, by reading the information contained within this page, you should be able to make an informed and educated decision pertaining to how your information will be collected and used. Keep in mind that as you learn about the information contained herein, any reference to "you" or "your" is referring to you, the user of our website, while "we," "us," "our," or "our website" shall represent the TotalCashNow.Com web site located at TotalCashNow.Com.
Keep in mind that we are able to use any and all information that you submit to us via our website within the range of our guidelines outlined herein. Our practices entail collecting the information you submit to us and using it for purposes of comparing it to the requirements of various lenders. However, please be advised that we shall not be responsible for the content contained on lender website and/or their security practices.
SO, WHAT INFORMATION DO YOU COLLECT?
Anything that you submit to us via our website shall be collected. These things shall include your name, date of birth, telephone number(s), home address, email address, social security number, employment information, your source(s) of income, bank account information, personal references or anything else you enter. Additionally, we collect information pertaining to the type of web browser all users access the site via, their operating system, type of computer they’re using, their IP address and web page http headers and anything else relating to how the user arrived at our site.
The application section of the site is not designed for the purpose of obtaining information on loans or loan-related products. In order to be considered for a loan offer from one of our third-party providers, you must submit all required information. However, even if you don’t complete the entire registration and/or application process, we may use any personally identifiable information that we do collect from you.
HOW WILL YOU USE MY COLLECTED INFORMATION?
When we collect the information that you submit to us, it is used to help us figure out which cash advance or other short term loan product offered from which lender best may suit your needs. In addition to this primary function, we may, periodically utilize your personal, demographic and profile information for the purposes of improving our website and/or for marketing, editorial, promotional or feedback reasons. It may also be used for calculating and analyzing relevant statistics relating to the use of our website, or to add your information to our databases for the purposes of sending postal mailings, emails, SMS-text messaging, telemarketing new products or services or informing of site updates and/or status of your transaction(s).
Keep in mind that when you utilize and/or submit your information via our website, we reserve the right to share, sell or otherwise disclose any such information to third parties and you may be contacted in any fashion mentioned herein. This also means that you hereby relinquish your exemptions from being contacted as per state and federal Do Not Call lists or similar registries.
By submitting personal information you hereby give us your consent to use it for purposes including but not limited to obtaining information from third parties about you in the event of information submitted incomplete or improperly on a registration form; sharing your submitted information with reputable third parties such as credit bureaus, affiliated lenders and/or other companies offering other financial products as permitted by all applicable laws; considering you for a website account or for the marketing of products and services that we believe might be of interest to you.
At any given time, we also may elect other companies or individuals to perform certain actions on our behalf. These aforementioned companies and individuals have been granted access to our users’ personal information for the sole purpose of performing functions for us, though are not authorized to use it for any other purposes. Some examples of when we may employ other such companies or individuals to perform tasks on our behalf include in the sending of direct mail and/or email, SMS text-messaging, telemarketing, analyzing data, furnishing marketing analysis or for the purpose of removing duplicate information from customer lists.
All non-public information, via applications and other areas of the website that are submitted and collected by us and/or third parties shall be utilized in determining, should you qualify, whether you’re eligible for a short term loan from an affiliated lender. Information you provide, such as your social security number, it may be utilized in the application process in order to analyze your financial situation and/or your ability to repay a loan. Should you qualify for a loan, all information relating to your applying for a cash advance shall be stored and used in compliance with the terms, conditions and privacy policy of the individual lender.
In the event that we ever believe that our service and/or website is being or has been abused, used for illegal activity or otherwise used in a way in violation to our terms and conditions, we shall reserve the right to release current or past user information in the following scenarios: if the information is subpoenaed; if we are bought out or acquired or should we deem it the right thing to do. Additionally, by agreeing to these terms and conditions, you are hereby giving us your consent to the disclosure of any record of communications with any third party when we, in our final decision, find it to be appropriate. This includes, but is not limited to, sharing your email address with a third-party for suppression purposes in compliance with the CAN-SPAM Act of 2003 and/or other regulations passed by the Federal Trade Commission. Either one of these may be amended without notice.
Upon submitting any information through our website, you also agree to receive mobile marketing, including but not limited to text message-based marketing from us and our third-party advertisers and marketers. Even if your cellular or other mobile telephone number is listed on the state and/or federal "Do Not Call" lists, you agree that such restrictions shall not apply to us or our affiliates contacting you, through these methods, for such purposes as allowed by law. In addition, upon your registration and/or use of this website, it shall constitute an inquiry and ultimately an opt-in as defined by the Amended Telemarketing Sales Rule (16 CFR 310 et seq.) ("the TSR"), which may be amended from time to time. Your consent, with your inquiry, also shall extend to telemarketing calls, in conformity to guidelines outlined by the TSR, even if your number appears on the Federal Trade Commission’s (FTC) "Do Not Call" list.
HOW ARE YOU GOING TO KEEP MY PERSONAL INFORMATION SAFE?
Absolutely no one can guarantee the transmission of information over the internet to be 100% secure. However, all non-public information that we collect is stored in a technically and physically secure environment. And while we will continue to work, tooth and nail, to keep your personal information safe and sound, all data is transmitted at the applicant’s risk, as we are unable to ensure the security of any of it. When we receive non-public information, in the form of a loan application or other inquiry, it is company policy to make every effort to keep it out of harm’s way. Access to all of such information is restricted to our employees who must have access to it in order to perform specific functions of their job. Accordingly, your personal information, under no circumstances, is made accessible to the general public. Should we ever learn of a breach of security to your personal information, we shall notify you via email, along with any relevant regulatory agencies as per the rules outlined by applicable state and federal laws. Stand advised, however, that in the event of such an incident, the receipt of such a notice may be delayed as a result of notifying the proper authorities and to allow us to determine the scope of network damage and commence alleviating the issue.
WHAT IS THE PROCESS YOU USE?
Upon the completion of our application, we will automatically redirect you to the website of a reputable third party lender or merchant of financial services. To do this in a timely fashion, the information you submit to us will be collected and sent over to the respective third party. By doing so, you hereby agree to read and agree to their separate terms, conditions and privacy policy.
WHAT IF I WANT TO OPT-OUT OF BEING CONTACTED? WHAT ARE MY RIGHTS?
Should you not wish to be contacted by us, lenders or other third-party affiliates, do not fill out our application or submit any other personal information via the website. By doing so, this constitutes an automatic "opt-in" request, meaning that you have asked us to share your submitted information with our affiliates and other third-party organizations. On the other hand, you do have the right to tell our third-party affiliates how you would like them to utilize and/or share the information they receive from you. This can be done by contacting them directly.
You also have the right to opt-out of any additional communications in regards to our website. To do so, please send a written request via email.
I’M A MINOR; HOW ARE YOU GOING TO PROTECT MY PRIVACY?
Minors, defined as individuals under eighteen (18) years of age, are not permitted to obtain our products and services. If you are under the age of eighteen (18), do not submit any information on this website. All information submitted by minors will be removed from our site immediately.
DO YOU USE PIXELS OR COOKIES AND HOW ARE THEY USED
On some occasions, the content of our website and/or consumer emails may contain electronic images called "pixel tags." We use these in order to see which pages that our users and visitors visit most frequently which, in turn, will help us format future campaigns and otherwise figure out our customers through reporting statistics. Additionally, we shall periodically implement tools to measure the effectiveness of a joint promotional or advertising campaign. This may be done through the use of pixel tags from third parties.
In addition to pixel tags, we may also utilize "cookies" so that we may tailor our website to your specific needs and/or desires. A cookie contains information about you and your browsing habits and is stored on your hard drive. We may periodically use cookies to track, anonymously, the interests of our users and to ultimately better the experience for all of using our services. They also can and may be used for advertising tracking purposes.
WHAT’S THE DEAL WITH YOUR CHANGE IN POLICY? I DIDN’T HEAR ANYTHING!
We reserve the right to change any policies at any time without any prior notice to you. Additionally, we reserve the right to contact you regarding the status of your account and/or any changes to our subscriber agreements, privacy policy, or anything else pertaining to our conducting business with you. By continuing to receive emails from our company and use our website, this shall signify to us that you accept any and all such changes to the policy we have implemented and that you agree to continue receiving marketing from us and other third party companies.
As always, should you have any questions regarding our privacy policy, or if you have any additional questions or concerns, please email us at TotalCashNow.Com.
WHAT IS YOUR ISP?
TotalCashNow.Com, located at TotalCashNow.Com and the ip address (TotalCashNow.Com). To be removed from our list, email us at customerservice@TotalCashNow.Com.
DISCLAIMER:
Please note that TotalCashNow.Com IS NOT A LENDER and does not make decisions pertaining to credit or cash advances of any kind. Our sole purpose is to match you up with the best possible cash advance lender, if qualified, based on your application. Accordingly, we are independent of service agents and representatives of all such service providers and we do not endorse any service or product offered by such companies, including affiliates. Upon approval, the time it takes for you to receive your funds will vary by lender and some may ask you to fax documents. Additionally, a typical lender will not perform credit checks, though still consult your individual lender. By completing our application it, in no way, guarantees that you will be approved for a cash advance offer.
Typically, lenders will not perform credit checks with the three credit reporting bureaus: Experian, Equifax or Trans Union. Credit checks or consumer reports through alternative providers may be obtained by some lenders. Typically, these reports will not affect your credit score.
IMPORTANT NOTICE: Cash advance loans should only be used for short term needs, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.
