Your privacy is of the utmost importance to Insta Cash. Find out more about your privacy rights below.
|Reasons we can share your personal information||Does RRAB Financial Services LLC dba "Insta Cash" share?||Can you limit this sharing?|
|For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus||Yes||No|
|For our marketing purposes – to offer our products and services to you||Yes||No|
|For joint marketing with other financial companies||Yes||No|
|For our affiliates’ everyday business purposes – information about your transactions and experiences||Yes||No|
|For our affiliates’ everyday business purposes – information about your creditworthiness||Yes||Yes|
|For our affiliates to market to you||Yes||Yes|
|For nonaffiliates to market to you||Yes||Yes|
To limit our sharing
Call toll-free 855-889-5888. Our menu will prompt you through your choices
Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
What do we do?
How does RRAB Financial Services LLC dba “Insta Cash” protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
We also maintain physical, electronic and procedural safeguards i.e. computer virus protection software, firewalls, 128 bit Secure Socket Layer. Only authorized employees have access.
How does RRAB Financial Services LLC dba “Insta Cash” collect my personal information?
We collect your personal information, for example, when you:
Apply for a loan
Give us your income information
Provide employment information
Provide account information
Give us your contact information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only
Sharing for affiliates’ everyday business purposes – information about your creditworthiness
Affiliates from using your information to market to you
Sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account –unless you tell us otherwise.
Companies related by common ownership or control. They can be financial and non-financial companies. Our affiliates include companies with a common ownership as Insta Cash.
Financial and non-financial companies not related by common ownership or control. They can be financial and non-financial companies.
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
Our joint marketing partners include financial institutions, credit card companies, partners that promote our products, prepaid debit card providers and other lending companies.
Other important information
We will not disclose information about you with affiliates or non-affiliated, third party companies or financial institutions, other than as required or permitted by law, without your express permission.
We will not share information we collect about you with affiliated or non-affiliated third parties, except in the limited circumstances permitted under state law, or if you give us your permission.
North Dakota residents:
We will not disclose information about you with non-affiliated, third party companies or financial institutions, other than as required or permitted by law, without your express permission.
If you would like more information regarding this notice or Nevada’s law regarding corporate do-not-call registries, you can contact us at the toll-free number or address included in this notice or the Bureau of Consumer Protection, Office of the Nevada Attorney General at 555 E. Washington Street, Suite 3900, Las Vegas, Nevada 89101; Phone: (702)486-3132/Email: BCPINFO@ag.state.nv.us.
By using the Website or Services, you represent and warrant that you are at least 18 years old, a resident of the United States, and are otherwise legally qualified to enter into and form contracts under applicable law.
U.S. GOVERNING LAW
The Website is designed and targeted to U.S. audiences and is governed by and operated in accordance with the laws of the U.S. We make no representation that this Website is operated in accordance with the laws or regulations of, or governed by, other nations.
INFORMATION COLLECTION PRACTICES
a. Traffic Data and Information Gathered Using Cookies and Web Beacons
We analyze Traffic Data and information gathered using Cookies and Web Beacons to help us better understand who is using the Website and how they are using it. By identifying patterns and trends in usage, we are able to better design the Website to improve your experience. From time to time, we may release Traffic Data and information gathered using Cookies and Web Beacons in the aggregate, such as by publishing a report on trends in the usage of the Website. We do not attempt to link information gathered using Cookies or Web Beacons to Personal Information.
b. Personal Information
i. Generally. We use your Personal Information and Financial Information to: (1) identify you; (2) to confirm facts about you; (3) to send you information about our products and services; (4) and to contact you when necessary in connection with your use of the Website. We use your Demographic Data to customize and tailor your experience on the Website. As with Traffic Data and information gathered using Cookies and Web Beacons, from time to time we may release Demographic Data in the aggregate, such as by publishing a report on trends in the usage of the Website.
ii. Disclosure Practices. Except under the following circumstances, we will keep your Personal Information private, and will not sell or otherwise share it with third parties:
Disclosure to Parent Companies, Subsidiaries and Affiliates. We disclose Personal Information to our parent companies, subsidiaries, and affiliates for marketing and/or administrative purposes.
Disclosure to Lenders and Third-Party Partners. We refer consumers to lenders or to third-party partners who then may refer consumers to lenders. We disclose Personal Information to Lenders and third-party partners, who use your Personal Information to identify you, to confirm facts about you, to deliver financial products and services to you, to help assess requests for financial products and services, and as necessary to service your loan.
Marketing Communications. We provide your Personal Information to third parties, so that they may contact you directly with information about additional products and services (“Marketing Communications”). You may opt-out of having your Personal Information provided to third parties for the purpose of Marketing Communications by clicking here and following the opt-out instructions. Even after opting out, you may continue to receive Marketing Communications from third parties to whom we have already provided your Personal Information. You will be responsible for contacting those third parties directly to request that you receive no further Marketing Communications.
Disclosure in Connection with Services. We disclose Personal Information to parties who help us provide Services, including those who perform technical, administrative and data processing tasks such as ad serving, email management, hosting, billing, fulfillment, and data storage and security.
By Law or to Protect Rights. We disclose Personal Information when required to do so by law, or in response to a subpoena or court order, or when we believe that disclosure is reasonably necessary to protect our property or rights, or the property or the rights of third parties or the public at large.
YOUR CALIFORNIA PRIVACY RIGHTS
Under California’s “Shine the Light” law (CA Civil Code § 1798.83), California residents who provide personal information to businesses in obtaining products or services for personal, family or household use are entities to either: (1) a list detailing the categories of information shared and the entities to which such information was provided; or (2): to be notified of a mechanism by which a consumer may opt -out of having their information shared with third parties. We have elected the second option. To opt-out of having your information shared with third parties, click here and follow the opt-out instructions.
SECURITY OF PERSONAL INFORMATION
We have implemented and maintain reasonable security procedures and practices to protect against the unauthorized access, use, modification, destruction or disclosure of your Personal Information.
YOUR ABILITY TO ACCESS, UPDATE, AND CORRECT PERSONAL INFORMATION
You represent and warrant that all information you provide on any application form or otherwise in connection with your use of the Website will be complete and accurate. We do not maintain a process for you to review and request changes to any of your personal Information collected through the Website. If your Personal Information changes after you have submitted an application through the Website, you must submit a new application with your new or updated information.