privacypolicy
This Privacy Notice (“Notice”) covers Urgent Money Service, Inc., UMS, Inc. Urgent Cash Advance.com Inc., TAXaco, Inc. and all the members of its family of companies operating in various states under the names of Urgent Money Service, Urgent Cash Advance.com and TAXaco. This Notice explains the type of information we collect and may share. Additionally, this Notice explains how you can prevent us from sharing certain information about you within the Urgent Money Service family of companies and with others. The information contained in this notice applies to you if you have applied for a financial product or service, if you are a current customer and if you become a former customer. You become a former customer if we have not communicated with you about your account for a period of 12 consecutive months, at which time you will not receive an annual privacy notice from us in connection with that account. Finally, this Notice explains how we protect your customer information. For questions about our Notice, you can contact us at 1-866-333-7430 or visit our Web site at www.urgentcashadvance.com .
I. CONFIDENTIALITY AND SECURITY
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide our service to you. We maintain physical, electronic, and procedural safeguards that comply with federal law to guard your nonpublic personal information.
II. CATEGORIES OF INFORMATION WE COLLECT
We collect nonpublic personal information from the following sources:
- Information we receive from you on applications or other forms;
- Information about you transactions with us, companies within the Urgent Money Service family of companies, or others;
- Information we receive from your tax returns and associated documents including but not limited to payroll stubs, W-2 forms, W-4 forms, etc.
- Information we receive from credit reporting agencies, such as your credit worthiness and credit history:
- Information we obtain to verify representations made by you, such as your employment history: and
- Information we receive from other nonaffiliated third parties.
III. CATEGORIES OF INFORMATION WE DISCLOSE
Unless you opt out using the form below, we may disclose all the information we collect, as described above, to the Urgent Money Service family of companies and nonaffiliated third parties in accordance with applicable law.
IV. CATEGORIES OF PARTIES TO WHOM WE DISCLOSE
- THE URGENT MONEY SERVICE FAMILY OF COMPANIES
Unless you tell us not to, we may share with the Urgent Money Service family of companies certain information about you including:
- Information we obtain from your application or otherwise, such as your name, address, social security number, and income;
- Information we obtain from a consumer report, such as your credit history;
- Information we receive from your tax returns and associated documents including but not limited to payroll stubs, W-2 forms, W-4 forms, etc.
- Information we obtain to verify representations made by you, such as your bank account information; and
- Information we obtain from a person regarding employment, credit, or other relationship with you, such as your employment history.
The categories of companies who may receive this information are:
- Financial service providers, such as lenders, collection agencies, loan brokers, check cashers, post-dated check cashers, deferred deposit providers, deferred presentment providers, supervised lenders, delayed deposit providers, small lenders; and
- Others, such as any company that may offer a product or service that we believe would be useful, helpful and convenient to you such as tax preparers.
If you prefer that we not disclose non-experience information about you to our Urgent Money Service family of companies, you may opt out of these disclosures, that is, you may direct us to not make those disclosures (other than disclosures permitted by law). If you wish to opt out of disclosures to our Urgent Money Service family of companies, you may complete the opt out election form below and mail it to us at the address indicated on the form. If you have a joint account, a decision to opt out provided by one participant of the account will affect all participants.
- NON-AFFILIATED THIRD PARTIES
We may disclose nonpublic personal information about you to the following types of nonaffiliated third parties:
- Financial service providers, such as lenders, collection agencies, loan brokers, check cashers, post-dated check cashers, deferred deposit providers, deferred presentment providers, supervised lenders, delayed deposit providers, small lenders; and
- Non-financial companies, such as retailers; and
- Others, such as any company that may offer a product or service that we believe would be useful, helpful and convenient to you such as tax preparers.
If you prefer that we not disclose non-experience information about you to our Urgent Money Service family of companies, you may opt out of these disclosures, that is, you may direct us to not make those disclosures (other than disclosures permitted by law). If you wish to opt out of disclosures to our Urgent Money Service family of companies, you may complete the opt out election form below and mail it to us at the address indicated on the form. If you have a joint account, a decision to opt out provided by one participant of the account will affect all participants.
V. OPT OUT ELECTION FORM
Important Note: This Notice may not be sent via email or facsimile. A printed version of this Notice must be completed and mailed to the address below.
Please read the choices below carefully. If you elect to limit our sharing of certain information about you (other than disclosures permitted by law), please check either or both of the appropriate box (es):
If you prefer that we not disclose non-experience information about you to our Urgent Money Service family of companies, you may direct us not to make those disclosures (other than disclosures permitted by law) by checking the box and mailing this form to us at: Urgent Money Service, Attn: Opt Out, P.O. Box 16106, Greensboro, NC 27416.
If you prefer that we not disclose nonpublic information about you to non-affiliated third parties, you may direct us not to make those disclosures (other than disclosures permitted by law) by checking the box and mailing this form to us at: Urgent Money Service, Attn: Opt Out, P.O. Box 16106, Greensboro, NC 27416.
If you have chosen one or both of the options above, your opt out will apply to all services you receive from us, even if you become an inactive customer. You may exercise your right to opt out at any time by mailing this notice or a copy thereof at the address indicated below. You may also revoke your decision to opt out at any time by mailing to us at the address indicated below, verification of such decision.
Signed ______________________________________________
Name _______________________________________________
Address _____________________________________________
City State Zip Code ____________________________________
Phone (______)_______________________________________
Soc. Sec. No. _________________________________________
Date ________________________________________________
Please print this page and mail to:
Urgent Money Service
Attn: Opt Out
P.O. Box 16106
Greensboro , NC 27416
