SPEEDY CASH AND RAPID CASH

Privacy Policy

Effective Date: June 13, 2021
Last Updated Date: November 11, 2022

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Thank you for your interest in Speedy Cash® (“Speedy Cash,” “we,” or “us”). Speedy Cash is a group of companies which provides, or arranges, for consumers to obtain various financial products and services such as loans and check cashing. We welcome you to our https://www.speedycash.com , as well as all related websites and applications (the “Site”), and products and services provided by us certain third parties (collectively, together with the Site, our “Service”). By accessing or using the Service or the Site, you acknowledge that you have read, understood, and agree to the terms of this privacy policy (“Privacy Policy”). If you cannot agree to the Privacy Policy, then please do not use the Service or the Site.

As you use our Service, you may provide us with information about you, including information that can be used to identify you. This Privacy Policy explains (1) your responsibilities when using the Site and the Service, and (2) how Speedy Cash may collect, use, and disclose information you provide us and other information we receive related to your use of the Service.

If you have questions about this Privacy Policy, please contact us:

Phone icon

Phone: 1-888-333-1360

What Does Speedy Cash Do With Your Personal Information?

We collect information from a variety of sources, including information provided by you, information we collect when you visit our Site, transaction information, and information we collect about you from third party sources. The following pieces of personal information have been collected about our consumers in the past 12 months:

  • Social Security Number
  • Account Balances, Employment Information and Income
  • Credit History and Scores
  • Name
  • Physical Mailing Address, including Zip Code
  • Email Address
  • Telephone Number(s)
  • Mobile Number(s)
  • Usernames and Passwords
  • Location
  • User files
  • Date of Birth
  • Signatures

We collect your personal information from you, third party lead generators, and/or credit services.

WHY?

Financial companies choose how they share your personal information. Federal law, along with some state laws, give 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 Privacy Policy carefully to understand how we use your information.

Please note: If you are a new Customer, we can begin sharing your information 30 days from the date you complete your first transaction with us. When you are no longer our Customer, we continue to share your information as described in this Privacy Policy; you can contact us at any time, however, to limit our sharing.

You may review and update the personal information we hold about you by signing into your personal account at SpeedyCash.com.

HOW DOES SPEEDY CASH COLLECT MY PERSONAL INFORMATION?

We collect personal information from you as you use our Service but only as allowed by law. We limit the collection of personal information to what is relevant and necessary to accomplish a lawful purpose.

AUTOMATICALLY COLLECTED INFORMATION

In the past 12 months, we have collected the following internet and other electronic network activity information through your interactions with our Site:

  • Browsing history
  • Search history
  • Information regarding a consumer's interaction with an Internet Website, application, or advertisement
  • Internet Protocol address
  • Device ID
  • Cookies
  • Beacons
  • Pixel Tags
  • Mobile Ad Identifiers

We do not collect home, business or email addresses, or account information from people who simply browse our Site. The information we do automatically collect includes the domain name or Internet Protocol address that relates to the machine or device used to access our Site, the type of browser and operating system used, the date and time when the Site is visited, device ID if you are on a mobile device, geolocation data and web pages displayed.

Like many websites, this Site uses " session cookies" "persistent cookie" technology. Persistent cookies are files that our Site places within your browser so that it can remember you when you show up again later—like cookie crumbs. None of these cookies store any of your personal information. We use persistent cookies to enhance your experience on our Site while also protecting your privacy, as well as enhancing the functionality and performance of our Site, and for analytical purposes. On our Site, temporary cookies, also called session cookies, may be placed within your browser and expire as soon as you exit our site. Typically, session cookies are used to facilitate interactions between you and the fields in forms on our Site.

Google Analytics

We use Google Analytics, a web analytics service provided by Google, Inc. Google Analytics uses Cookies or other tracking technologies to help us analyze how users interact with the Site, compile reports on the Site’s activity, and provide other services related to Site activity and usage. The technologies used by Google may collect information such as your IP address, time of visit, whether you are a returning visitor, and any referring website. The technologies used by Google Analytics do not gather information that personally identifies you. The information generated by Google Analytics will be transmitted to and stored by Google and will be subject to Google’s privacy policies. To learn more about Google’s partner services and to learn how to opt-out of tracking of analytics by Google, click here.

Third Party Collection

Although we do not collect personally identifiable information on consumers that visit our Site, there exists the possibility that other third parties conduct online tracking on our Site over which we do not control. Such third parties may collect Personal Information about your online activities over time and across different websites when you use our Site. We do not control these third parties, who may engage in practices that differ from those described in this Privacy Policy.

You may link your Facebook account to your SpeedyCash.com account. This will allow you to login to your SpeedyCash.com account using your Facebook login credentials. You can disconnect your Facebook account from your Speedy Cash.com account at any time. If you link your accounts, Speedy Cash will not market to any of your Facebook friends or contacts.

We use data collected by mobile carriers for the purpose of verifying identity and preventing fraud. We may continue to access and use this data throughout the duration of the business relationship.

When logging into a third party service (such as a social network) or a website different from our Service, please be aware that the privacy practices of those services may differ. Use of the information will be governed by their privacy policies, and you may be able to modify your privacy settings on their websites. We encourage you to read the privacy policy for each website you visit. We are not responsible for the privacy policies or practices of linked third party sites or services.

Online Tracking

We partner with companies that deliver ads for our Services on sites that you visit on the web. In order to provide you with a more appropriate online experience, some of our ads that you may see are based on your previous online activity on our Site and other websites. Information about your online activities, combined with other information, may be used to select an ad for a product or service that better matches your interests - which is called online behavioral advertising (OBA) or interest-based advertising.

You can opt out from receiving ads based on your online behavior either by visiting the Digital Advertising Alliance (DAA) opt out page at http://www.aboutads.info/choices/. If you elect to opt out of OBA, you will still see ads, but they may not be as pertinent to you. Please keep in mind that opting out is cookie-based and will only affect the specific computer and browser on which the opt-out cookie is applied. If you delete your browser cookies or if you use a different computer or a different browser and want to continue to be opted out of OBA, you will need to opt out again.

How We Respond To Do Not Track Signals

Our Site does not currently have the capability to recognize the various Do Not Track signals or mechanisms from different web browsers. For more information on Do Not Track please visit https://allaboutdnt.com.

How Does Speedy Cash Use My Personal Information?

Speedy Cash uses your personal information for the following reasons:

  • Provide you with our Service;
  • Process your transactions;
  • Provide you with account information;
  • Maintain your accounts;
  • Help you find the location of a Speedy Cash store;
  • Allow you to submit required loan documents through the Site;
  • Authenticate your identity;
  • Underwrite and fund loans;
  • Communicate with you if there is a problem completing a transaction you requested or to discuss a problem with your account;
  • Implement collection activities as needed;
  • Maintain regular communications with you concerning transactions you initiate, such as requesting information or assistance, submitting a loan request, making payments, or transferring funds;
  • Maintain general communications with you about the Site and Service;
  • For marketing purposes;
  • Respond to court orders and legal investigations;
  • Provide you with customer service and support;
  • Safeguard against potential fraud;
  • Protect data from unauthorized parties and comply with legal requirements;
  • Enforce this Privacy Policy, Terms of Use, and any other agreements you have entered into with us;
  • Provide you with targeted advertising based on your activity on our Site;
  • Operate, understand, optimize, develop, or improve our Site, applications, products, services and operations;
  • Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity;
  • Debugging to identify and repair errors that impair existing intended functionality;
  • Investigate and prevent activities that may violate our policies;
  • Fulfill our duties as an employer;
  • For any other purpose for which you provide consent; and
  • For any other legitimate business purpose.

We may deidentify and aggregate data collected through the Service and use it for any purpose.

What Does Speedy Cash/Rapid Cash Do With My Personal Information?

Speedy Cash shares your Personal Information with affiliates, analytics providers, service providers, IT vendors, and law enforcement (if necessary).

All financial companies need to share Customer's personal information to run their everyday business. In the section below, we list the reasons financial companies can share their Customer's personal information; the reasons Speedy Cash chooses to share; and whether you can limit this sharing.

Affiliate Marketing: We will not share phone numbers or text message opt in consents with any of our affiliates for joint marketing purposes. In order to receive text messages from our affiliates, you will have to explicitly opt in and consent to their privacy policy directly with them.

How Does Speedy Cash Protect My Personal Information?

We take reasonable administrative, technical, and physical security precautions to protect the personal information collected or maintained by us against loss, unauthorized access, and illegal use or disclosure. As examples, these measures include computer safeguards and secured files and buildings, among other things. We use encryption software to protect the security of individuals' personal information during transmission of such information through our Site (for example, the information provided by consumers when submitting an application to us for a loan product). Unfortunately, the Internet cannot be guaranteed to be 100% secure, and we cannot ensure or warrant the security of any information you provide to us. We do not accept liability for unintentional disclosure of your personal information.

Children’s Privacy

The Services are not intended for use by children. We do not knowingly collect personal information from children under the age of 16 years. Please contact us if you believe we may have unknowingly collected information about a child under 16 years of age, and we will take immediate steps to delete any such personal information.

California Privacy Rights

View the California Consumer Privacy Notice

Customers who are California residents may request information from us to know what personal information we may collect, have, or maintain about them and what we do with it per the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). If you are a California resident and wish to make a request under CCPA or CPRA, click on the Do Not Sell or Share My Personal Information button or link, found on our site's home page.

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.

Data Retention

The data collected will be retained as necessary to perform our Services and for a reasonable period of time afterward.

Please be aware that some or all of the data retained by us may be necessary for the Site to function properly.

Device Access

The Site may access functions on your mobile device in order to offer you loan(s) and other financial products from Speedy Cash including:

  • Communications hardware (to provide account notifications)
  • Local storage (to provide loan documents that you download through the app)
  • Camera (to capture images of documents)
  • Speaker (as required by law)
  • GPS (to identify stores near your location)

We will ask your permission to access your device's GPS location data when you first download the Site and when you first try to use the Store Locator function of the Site. You may also be able to control the Site's access to your location by turning off your mobile device's GPS technology using settings available on specific device.

Changes

Our Privacy Policy reflects our current business practices and is subject to change without notice.

We reserve the right, in our sole discretion, to modify, add, revise or delete provisions of our Privacy Policy at any time. If our practices change regarding your Personal Information, we will make reasonable efforts to provide notice to you of these changes. Your use of the Service after an update to the Privacy Policy means that you accept the new Privacy Policy. We will post the effective date of any change at the beginning of our Privacy Policy. We encourage you to visit our Site regularly so that you remain aware of how our Privacy Policy may affect you.

Contact Us

If you have questions about this Privacy Policy, please contact us:

Phone icon

Phone: 1-888-333-1360

location icon

Address: PO BOX 782260, Wichita, KS 67278, Attn: Privacy

Definitions

AFFILIATES

Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include companies with a common ownership as Speedy Cash.

NON-AFFILIATES

Companies not related by common ownership or control. They may be financial and nonfinancial companies. Non-affiliates include marketing companies which sell information for marketing purposes.

JOINT MARKETING

A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Joint marketing partners include pre-paid card companies, partners that promote our products, and other lending companies.

NOTE: In Texas, Speedy Cash is not the direct lender. The actual lender is an unaffiliated third party. To view the Privacy Policies of the lenders, select the appropriate lender below.

Texas: What does Ivy Funding Ninety-Six, LLC do with your personal information?

Texas: What does Ivy Funding Eight, LLC do with your personal information?

Texas: What does First Star Financial do with your personal information?

Texas: What does TXCSO, INC. do with your personal information?

Related Reading

© 2024 Speedy Cash. All Rights Reserved.

Loan Products: Subject to state regulations, eligibility, credit check, underwriting & approval, and meet state database eligibility, where required based on type of lending product requested. All products are not available at all locations. Rates, terms and conditions apply. See associate for details. Lending decisions and funding times subject to system limitations. Some applications may require additional verification, which can delay the lending decision.

Non-Loan Store Services: Rules, restrictions, and fees apply. See store for details.

Short term loans should be used for short-term financial needs and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

The credit decision on your application may be based in whole or in part on information obtained from a national database including, but not limited to, TransUnion, Equifax, LexisNexis or FactorTrust, Inc.

†Instant funding is not applicable for all debit cards and is not available in Ohio, Oklahoma, Oregon, or South Carolina. Subject to system limitations. Some restrictions may apply.

∞Cash advances only available up to approved credit limit; some restrictions may apply.

Green Dot: Must be 18 or older to open an account. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Mobile number verification, email address verification and mobile app are required to access all features.

1. Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period. The name and Social Security number on file with your employer or benefits provider must match your Green Dot account to prevent fraud restrictions on the account.

2. Opt-in required. Account must be in good standing and chip-enabled debit card activated to opt-in. Initial and ongoing eligible direct deposits are required for overdraft coverage. Additional criteria may apply which can affect your eligibility and your overdraft coverage. Overdrafts are paid at our discretion. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid a fee.

3. See app for free ATM locations. 1 free in-network withdrawal per calendar month. $3.00 per withdrawal thereafter. $3.00 for out-of-network withdrawals and $1.00 for balance inquiries, plus any fee the ATM owner may charge. Limits apply.

Green Dot® cards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. And by Mastercard International Inc. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Green Dot Bank also operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits. ©2023 Green Dot Bank. All rights reserved. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739

NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington DC 20006 and the Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.

Alabama: Minimum age to apply in Alabama is 19.

California: Company is licensed by the California Department of Financial Protection and Innovation pursuant to California Deferred Deposit Transaction Law, Cal. Fin. Code §23000 et seq.

California: Compañía está autorizada por el Departamento de Protección e Innovación Financiera bajo la ley de Transacciones Depósito Diferidas de California, Cal. Fin. Código § 23000, et seq.

Customers who are California residents may request information from us to know what personal information we may collect, have, or maintain about them and what we do with it per the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). If you are a California resident and wish to make a request under CCPA or CPRA, click on the “Do Not Sell or Share My Personal Information” button or link.

Nevada: The use of check-cashing services, deferred deposit loan services, high-interest loan services or title loan services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

Oregon: Licensed by the Oregon Department of Consumer and Business Services to make Deferred Deposit Loans, NLMS Id. #0267-004-S.

Tennessee: The State of Tennessee requires a minimum principal reduction. In order to comply with the minimum state-required principal reduction, Speedy Cash requires that minimum payments include a principal reduction of 2% or $2.50 for Customers who get paid bi-weekly/twice-a-month, or 4% or $5 for Customers who get paid monthly, whichever is greater.

Texas: Speedy Cash operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party.

If you have an unresolved complaint regarding the company’s money transmission or currency exchange activity, please direct your complaint to the Texas Department of Banking: 2601 North Lamar Boulevard, Austin, TX 78705-4294, 1-877-276-5554 (toll free), www.dob.texas.gov.