Last Updated 1/1/2012
This Privacy Policy (“Policy”) applies to the 45secondcash.com web site. It tells
users (“you” or “applicant”) of the web site and the services provided therein
about the information collected by 45secondcash.com and how 45secondcash.
com uses and shares this information. The 45secondcash.com web site is
operated by LVA Financial, LLC. All references below to 45secondcash.com or
“we” include LVA Financial, LLC.
Types of Information We Collect
45secondcash.com collects both “personally identifiable information” and “non-personally
identifiable information” from or about users of its web sites.
Personally Identifiable Information
45secondcash.com collects several types of information that may identify a particular
individual (“personally identifiable information”). We collect personally identifiable
information when you provide it to us through your use of the site, such as by completing
one or more stages of an application form to apply for a loan from a lender participating in
our lender network (“participating lenders”) or by sending questions to us via the web site.
The types of personally identifiable information we collect include: name, physical address,
telephone number, social security number, email address, date of birth, driver’s license
number and state, information about home ownership, citizenship status, employment
information, active military information, amount and frequency of pay checks, and
information about your banking account.
Non-Personally Identifiable Information
Non-personally identifiable information is anonymous information that cannot be associated
with a specific individual. The types of non-personally identifiable information that we collect
(either directly, through the use of “cookies,” or through the use of a third party tracking
system) include: the IP address of the computer making the request; your browser type and
language; access times; information about areas of the site visited by users of the site;
information about the links that users may select to visit on the site. IP addresses are not
usually associated with your personal computer, but with a portal through which you
accessed the Internet. IP addresses are not linked to personally identifiable information. A
“cookie” is a piece of information a web site sends to your computer while you are viewing
the web site to remember who you are without personally identifying you.
45secondcash.com may share this non-personally identifiable information only in summary
form with its suppliers and other third parties for the purpose of web site statistical and
trend analysis. This information is not linked to any personally identifiable information that
can identify an individual person.
Information Collected by Third Parties
We may allow third parties, including advertising partners and payday loan lenders, to
display advertisements on our site. These companies may use tracking technologies,
including cookies, to collect information about users of our site who view or interact with
these advertisements. 45secondcash.com does not provide personally identifiable
information to these third parties.
How We Use Personally-Identifiable Information
We use the personally-identifiable information you provide to us through this site in order to
deliver the products or services you have requested; provide you with customer support;
verify or review your application information to determine whether it meets eligibility
requirements for participating lenders; communicate with you by email, postal mail,
telephone, and/or mobile devices about products or services that may be of interest to you
either from us, our marketing partners, or other third parties; display advertising tailored to
your interests or background; perform data and statistical analysis on use of the web site;
enforce our terms and conditions, and perform any other functions otherwise described to
you at the time we collect the information.
We may review and use your financial information and your social security number to match
you with participating lenders in our loan network or other third party lenders with whom we
have a business relationship. We may also review your financial information and social
security number to verify your identify and protect against possible fraudulent transaction.
Sharing Your Personally-Identifiable Information
45secondcash.com may share your personally-identifiable information (including, without
limitation, your financial account information and social security number) with lenders
participating in our lender network and other third party lenders with whom we have a
business relationship. These third party lenders may use your personally-identifiable
information to offer you a payday loan or to communicate with you about other business or
marketing offers. In addition, we may share your personally identifiable information
(including your financial account information and social security number) with unaffiliated
third party marketers and list managers with whom we have a business relationship.
Any third parties with whom we share personally-identifiable information may have their own
policies which describe how they use and disclose your information. Those policies will
govern the use, handling, and disclosure of your information once we have transferred or
shared it with those third parties as described in this Policy or our Terms of Use.
45secondcash.com will disclose your personally-identifiable information in response to a
subpoena or similar investigative demand, a court order, or a request for cooperation from
a law enforcement agency or other government agency; to establish or exercise our legal
rights; to defend against legal claims; or as otherwise required by law. We will disclose your
personally-identifiable information when we believe disclosure is necessary to investigate,
prevent, or take action regarding illegal activity, suspected fraud or other wrongdoing; to
protect and defend the rights, property, or safety of our company, our employees, our web
site users, or others; or to enforce our website terms and conditions or other agreements
or policies.
In addition, in the event that all or substantially all of 45secondcash.com’s stock and/or
assets are transferred or sold to another entity, 45secondcash.com may transfer
personally-identifiable information to the acquiring entity.
Links to Third Party Web Sites
We may provide links or automatically redirect you to third party web sites that do not
operate under this Policy. For example, if you click on an advertisement presented on our
site, you may be taken to a web site that 45secondcash.com does not operate or control.
You should review the privacy statements and terms of use of all third party web sites you
access. These third party web sites may independently solicit and collect information from
you. On occasion, those third party web sites may provide us with information about your
use of those sites.
Changes
45secondash.com’s policies, content, information, promotions, disclosures, disclaimers and
features may be revised, modified, updated, and/or supplemented at any time and without
prior notice at the sole and absolute discretion of 45secondash.com. Changes to this Policy
will be posted on the 45secondcash.com web site and we will revised the “last updated”
date at the top of this policy. You should review this Policy each time you access the web
site. If we make any material changes in the way we collect, use, and/or share personal
information that may impact you, we will notify you by sending an email to the email address
you most recently provided to (unless we do not have an email address for you) and/or by
prominently posting notice of the changes on this web site.
Children’s Privacy
Our web site is not intended for use by children under the age of 13. We do not knowingly
collect personally-identifiable information from children under the age of 13.
Security
45secondash.com has put in place physical, procedural, and technological security
measures to help prevent unauthorized access to and improper use of the information we
collect online. For example, only authorized employees and authorized third parties are
permitted to access personally-identifiable information, and they may do so only for
permitted business functions. No web site or Internet network can be completely secure.
Although we take steps to secure your information, we do not guarantee, and you should
not expect, that your personal information, searches, or other communications will always
remain secure.
Accessing Your Personally-Identifiable Information
If you would like to review and/or request changes to the personally identifiable information
that we have collected about you through your use of the 45secondcash.com web site,
please contact us by writing or sending email to the addresses below.
Contact
If you have questions, comments, or concerns regarding our Privacy Statement, please
write to us or send us email:
45secondcash.com
c/o LVA Financial LLC
A Beacon Business Group Company
2550 Horizon Ridge Pkwy Suite 305
Henderson, NV 89052
You can also contact us here.
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