NOTICE OF
YOUR
FINANCIAL PRIVACY RIGHTS
We, our, and us, when used in this notice, mean Crusader Cash Advance.
This is our privacy notice for our customers. When we use the words “you” and “your” we mean the following types of customers:
• All of our consumer customers who have a continuing relationship with us, such as:
• Cash advance services
We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.
We will also tell you what information we share with other entities. We will explain what your rights are, and how you can exercise them. If you share your account relationship with someone else, for example where you are a co-borrower or joint holder of a checking account, we suggest that you share this information with each other to ensure that each of you are aware of our policy and your options.
We first define some terms.
Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.
An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.
A nonaffiliated third party is a company that is not an affiliate of ours.
Opt out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.
We collect nonpublic personal information about you from the following sources:
• Information we receive from you on applications or other forms
Information about your transactions with us
• Information about your transactions with our affiliates
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency
THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES
We will not disclose nonpublic personal information about you to anyone except as disclosed in this policy or as permitted by law.
NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS
We do not disclose nonpublic personal information about former customers, except as permitted by law.
NONPUBLIC PERSONAL INFORMATION AND AFFILIATES FUTURE CHANGES
In the future, we may disclose nonpublic personal information about you to affiliates, even though we are not doing so now. Here are the kinds of nonpublic personal information we may disclose to our affiliates:
Transaction and experience information from our account records:
• Information about your transactions and experience with us, such as
• Name
• Address
• Account balances
• Account activity
• Payment history
• Parties to the transaction
• Telephone numbers
Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.
Other information not taken from transactions and experience:
• Nonpublic personal information we receive from you on an application or other forms, such as
• Social security number
• Income• Nonpublic personal information we receive from a credit reporting agency, such as
• Creditworthiness
You may opt out of the disclosure of the information listed above.
Types of Affiliates
We may disclose nonpublic personal information about you in the future to the following types of affiliates:
• Financial service providers, such as
• Cash advance companies
• Small loan marketer/servicing agents
Reasons For Disclosure
Here is why we may disclose nonpublic personal information about you in the future to our affiliates:
• To provide our customers with information about additional products and services
NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES FUTURE CHANGES
In the future, we may disclose nonpublic personal information to nonaffiliated third parties. Here are the kinds of nonpublic personal information we may disclose to nonaffiliated third parties:
• Nonpublic personal information we receive from you on an application or other forms, such as
• Name
• Address
• Social security number
• Income
• Telephone number• Nonpublic personal information about your transactions with us, such as
• Account activity
• Payment history• Nonpublic personal information we receive from a credit reporting agency, such as
• Creditworthiness
You may opt out of the disclosure of the information listed above.
Types of Nonaffiliated Third Parties
We may disclose nonpublic personal information about you in the future to the following types of nonaffiliated third parties:
• Financial service providers, such as
• Cash advance companies
• Small loan companies• Businesses offering non financial products or services, such as
• Direct marketers
We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.
Reasons For Disclosing
Here is why we may disclose nonpublic personal information about you in the future to nonaffiliated third parties
• To provide our customers with information about additional products and services
YOUR RIGHT TO BLOCK THE DISCLOSURE OF YOUR NONPUBLIC PERSONAL INFORMATION
Affiliates. We are permitted to disclose nonpublic personal information about our transactions or experiences with you to affiliates in the future. We may also disclose other nonpublic personal information to our affiliates (that is, nonpublic personal information beyond our transactions and experiences with you), unless you tell us to not disclose this other nonpublic personal information.
Nonaffiliated Third Parties. If you do not want us to share your nonpublic personal information with nonaffiliated third parties in the future, you can block the release of certain nonpublic personal information. This is known as your right to “opt out.”
Your decision to block the disclosure of your nonpublic personal information will apply to all products and services you receive from us.
If you have a joint account, each participant of this account has a separate right to opt out. If one of you chooses to opt out of the disclosure of nonpublic personal information and another does not, only information regarding the party who does not opt out will be disclosed. Any participant on the account can opt out on behalf of any other participant of the account.
If you wish to opt out of disclosures, you may do so by checking the appropriate box(es) on the Opt Out Notice that you received with this notice and returning it to us at this address:
Crusader Cash Advance
650 25th Street
Suite 300
Cleveland, TN 37311
YOU HAVE THE RIGHT TO CHOOSE
In this notice, we have explained our policy about the disclosure of certain information.
Affiliates. We have explained the kinds of nonpublic personal information we may disclose to our affiliates in the future. We have also explained the kinds of affiliates with whom we may disclose the nonpublic personal information. If you prefer that we do not disclose nonpublic personal information to our affiliates you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than the disclosures permitted by law). Nonaffiliated Third Parties. We have explained the kinds of nonpublic personal information we may disclose to nonaffiliated third parties in the future. We have also explained the kinds of nonaffiliated third parties with whom we may disclose the nonpublic personal information. If you prefer that we do not disclose nonpublic personal information to nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than the disclosures permitted by law). Your decision to block the disclosure of your nonpublic personal information will apply to all products and services you receive from us.
If you have a joint account, each participant of this account has a separate right to opt out. If one of you chooses to opt out of the disclosure of nonpublic personal information and another does not, only information regarding the party who does not opt out will be disclosed. Any participant on the account can opt out on behalf of any other participant of the account.
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