FACTS
What does www.OnlinePaydayNow.com (Online Payday), do with your personal information?
WHY?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
WHAT?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and income
- Vehicle information
- Account balances and transaction history
- Payment history and assets
HOW?
All financial companies need to share personal information to run their everyday business. In the section below, we list the reasons financial companies can share their personal information, the reason Online Paydaya chooses to share, and whether you can limit this sharing.
| Reasons we can share your personal information | Does Online Payday 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 | No | We don’t share |
| For our affiliates and nonaffiliates to market to you | Yes | No |
| Investors to purchase your loan(s)- vehicle information used as collateral to your loan(s) | Yes | No |
TO LIMIT OUR SHARING
Send request to privacy@OnlinePaydayNow.com
Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice or immediately signing a loan document. 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.
QUESTIONS?
Please refer to our contacts listed our website.
WHO IS PROVIDING THIS NOTICE?
BCY Financial Services, Inc., California Company.
HOW DOES Online Payday 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 secure files and buildings.
We authorize our associates to access your information only when they need it to do their work. Also, we require companies that work for us to protect your information.
HOW DOES Online Payday COLLECT MY PERSONAL INFORMATION?
We collect your personal information, for example, when you:
- Apply for financing or open an account
- Use your credit or pay your bills
- 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 maker to you
- Sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
WHAT HAPPENS WHEN I LIMIT SHARING FOR AN ACCOUNT I HOLD JOINTLY WITH SOMEONE ELSE?
Your choices will apply to everyone on your account.
DEFINITIONS
AFFILIATES
Companies related by common ownership or control. They can be financial and nonfinancial companies.
NONAFFILIATES
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Nonaffiliates we share with can include companies, such as service providers engaged in direct marketing of consumer products and services that we believe would be of interest to you.
JOINT MARTKETING
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Our joint marketing partner include auto dealers and insurance companies.
OTHER IMPORTANT INFORMATION
We will also comply with more restrictive state laws to the extent they apply. For example, if your billing address is in Vermont or California, we will automatically opt out of sharing your information with nonaffiliates for marketing purposes. California residents will also be provided an “Important Privacy Choices” notice explaining your rights under California law.