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Privacy Policy

2024-01-29

MMRR Finance d/b/a Cash Loans Direct and its operating divisions, subsidiaries, affiliates, and branches (collectively “MMRR”, “our”, “us” or “we”) is committed to safeguarding the privacy of information entrusted to us, including when you visit any of our online services, such as our website located at www.cashloansdirect.com (“Site”) or receive any of our services (“Services”). This Privacy Policy is designed to help you understand how we may collect, use, process, and disclose your personal information when you visit our Sites or receive any of our Services.

This Privacy Policy applies to personal information processed by us in connection with our Sites, when providing our Services, or processed as part of our other business relationships. By engaging or communicating with us, you signify that you have read, understood, and agree to our collection, storage, use, and disclosure of your personal information as described in this Privacy Policy. By continuing to use our Site, receive or Services, or otherwise work with us, you consent to this Privacy Policy

Personal Information We Collect

The categories of personal information we collect depend on how you interact with us and the requirements of applicable law. We collect personal information when you provide it to us directly, automatically, when you visit the Site, and from other sources as described below.

  • Identifiers. We may collect identifiers such as your first and last name.
  • Contact information. We may collect your contact information such as email address, phone number, country, ZIP code, or other address information.
  • Commercial information. We may collect information about the types of Services you receive and other consuming histories or tendencies.
  • Professional or employment information. We may collect information on your profession or employment.
  • Financial information. We use Charitize, Inc. (“Rightfoot”) to gather your personal information and financial information, as applicable, from your financial institutions (“Financial Information”). By interacting with the services for which we use Rightfoot, you acknowledge and agree that we may provide information about you in order for Rightfoot to access and retrieve such Financial Information. The terms of Rightfoot’s Privacy Policy (available here) govern Rightfoot’s collection, transfer, storage, and use of that information, and you consent to Rightfoot’s Privacy Policy. You also expressly grant MMRR Finance and Rightfoot the right, power, and authority to act on your behalf to access and transmit Financial Information from your financial institution(s) as reasonably necessary for Rightfoot to provide its services. You may withdraw your consent to these practices by contacting us at customerservice@cashloansdirect.com; however, depending on your relationship with us, doing so may affect the products and services we provide to you, or our ability to provide such products and services.
  • Your communications with us. We may collect personal information that you provide in your communications with us.
  • Sensitive personal information. We may collect sensitive personal information such as your Social Security Number, driver’s license number, state identification card number, passport number, account log-in and any required security or access code, password, or credentials, allowing access to an account.
  • Automatically collected information. When you visit our Site, we and/or our third-party service providers may use cookies or other tracking technologies to collect and store certain personal information about your use of our Site, such as your Internet Protocol (IP) address, user settings, MAC address, browser or device information such as device type, version and operating system, referral source, mobile carrier, and Internet service provider. We may also automatically collect information regarding your use of the Site, such as pages that you visit before, during, and after using a Site information about the links you click, the types of content you interact with, the frequency and duration of your activities, and other information about how you interact with a Site. We may use this information to make your experience on our Site more personal and interactive as well as to provide you marketing information that we believe may be of interest to you. You may be able to adjust your cookies settings in your web browser.

How We Use your Personal Information

We use your personal information for a variety of business purposes, including:

  • To Provide You Our Services

We may use your personal information to fulfill your requests, provide you with information that may be of interest, and manage our relationship with you, for example:

  • Providing you with information regarding Services in which you expressed interest or we think may be of interest to you;

  • Providing you with the Services you have requested;

  • Managing your information;

  • Providing access to certain areas, functionalities, and features of the Site;

  • Answering requests for information or other types of support; and

  • Communicating with you about our Services, activities on the Site, and policy changes.

  • For Administrative Purposes

We use your information for various administrative purposes, such as:

  • Pursuing our legitimate interests such as direct marketing, research and development (including marketing research), network and information security, and fraud prevention;
  • Detecting security incidents, protecting against malicious, deceptive, fraudulent or illegal activity, and prosecuting those responsible for that activity;
  • Measuring interest and engagement with our Site;
  • Short-term, transient use, such as contextual customization of ads;
  • Improving, upgrading, or enhancing our Site;
  • Developing new commercial offerings;
  • Authenticating and verifying individual identities, including requests to exercise your rights under this Privacy Policy;
  • Debugging to identify and repair errors with our Site;
  • Auditing relating to interactions, transactions, and other compliance activities;
  • Disclosing personal information with third parties as needed to comply with our legal or other obligations;
  • Enforcing our agreements and policies; or
  • Carrying out activities that are required to comply with our legal obligations.

We may also use your information for other legitimate business purposes as permitted by law, as otherwise disclosed to you, or with your consent.

  • For Marketing and Advertising Purposes

We may use personal information to tailor and provide you with content about and advertisements for our Site and Services. We may provide you with these materials as permitted by applicable law. Some of the ways we may market to you include email campaigns, custom audiences advertising, and “interest-based” or “personalized advertising,” including through cross-device tracking. If you have any questions about our marketing practices or if you would like to opt out of our use of your personal information for marketing purposes, please see Your Privacy Choices and Rights below, or Contact Us at any time.

How We Disclose Your Personal Information

We may disclose the categories of personal information described in Personal Information We Collect for any of our business and commercial purposes in the following ways:

  • Service Providers. We may disclose your personal information with our third-party services providers and vendors. These third parties may include IT support, internet service providers, data analytics providers, social networks, customer service, and marketing support.
  • Business Partners. We may disclose your personal information with our business partners, including those with whom we may jointly offer products or services.
  • Affiliates. We may disclose your personal information with our company affiliates, such as for our administrative purposes, IT management, or for them to provide services to you or support and supplement our Services.
  • Advertising Partners. We may disclose your personal information with third-party advertising partners, such as advertising networks. These third-party advertising partners may set tracking technologies to collect information regarding your activities and your device (e.g., your IP address, cookie identifiers, page(s) visited, location, time of day).
  • As Required or Permitted by Law. We may also disclose your personal information with third parties as appropriate and permitted by law. These may include: to comply with law enforcement or national security requests and legal process, such as a court order or subpoena; protect your, our, or others’ rights, property, or safety; enforce our policies or contracts; collect amounts owed to us; or assist with an investigation or prosecution of suspected or actual illegal activity.
  • Business Transactions. If we are involved in a merger, acquisition, financing due diligence, reorganization, bankruptcy, receivership, purchase or sale of assets, or transition of service to another provider, your information may be sold or transferred as part of such a transaction, as permitted by law and/or contract.

How Long We Keep Your Personal Information

We will retain your personal information for as long as reasonably necessary to fulfil the purpose(s) for which it was collected, resolve disputes, establish legal defenses, conduct audits, pursue legitimate business purposes, enforce our agreements, and comply with applicable laws.

How We Secure Your Personal Information

We take steps to ensure that your information is treated securely and in accordance with this Privacy Policy. Unfortunately, no system is 100% secure, and we cannot ensure or warrant the security of any information we maintain about you. To the fullest extent permitted by applicable law, we do not accept liability for unauthorized access, use, disclosure, or loss of personal information.

Your Privacy Choices

The choices you have about the privacy of your personal information are outlined below and may vary based on your location.

  • Email Communications. If you receive an unwanted marketing email from us, you can use the unsubscribe link found at the bottom of the email to opt out of receiving future emails. Note that you will continue to receive transaction-related emails regarding messaging you have requested. By using providing personal information to us, you agree that we may communicate with you electronically regarding security, privacy, and administrative issues relating to your use of the Site (e.g., communications regarding legal proceedings, updates to our Privacy Policy or other legal notice(s)), and you will not be able to opt out of those communications.

  • Phone calls / Text Messages. Subscriber text messaging originator opt-in data and consent details will not be shared with any third parties except when explicitly authorized by the subscriber. Mobile information will not be shared with any third parties for marketing or promotional purposes. If you receive an unwanted phone call or text message from us, you may opt out of receiving future phone calls or text messages from us by following the instructions which may be available during the call or included in the text message or by Contacting Us.

  • “Do Not Track.” Do Not Track (“DNT”) is a privacy preference that users can set in certain web browsers. Our Site does not respond to or honor DNT signals or similar mechanisms transmitted by web browsers.

  • Opt-Out Preference Signals. Depending on your jurisdiction, you may opt out of certain disclosures or your personal information by broadcasting an opt-out preference signal, such as the Global Privacy Control (“GPC”) on browsers and browser extensions that support such a signal. To download and use a browser supporting the GPC browser signal, please visit: https://globalprivacycontrol.org/orgs. If you choose to use the GPC signal, you will need to turn it on for each supported browser or browser extension you use.

  • Cookies and Personalized Advertising. You may be able to stop or restrict the placement of certain tracking technologies on your device or remove them by adjusting your browser or device settings. However, some settings may impact your ability to use our Services. Certain online advertising industry websites may allow you to opt out of receiving targeted ads from data partners and other advertising partners that participate in self-regulatory programs by visiting the Network Advertising Initiative and the Digital Advertising Alliance. Please note you must separately opt out in each browser and on each device. We may use or allow third parties to place cookies or other tracking technologies on our website, such as our service provider, Google. For more information about how Google uses your personal information (including for its own purposes, e.g., for profiling or linking it to other data), please visit Google Analytics’ Privacy Policy. To learn more about how to opt-out of Google Analytics’ use of your information, please click here.

MMRR and these third parties may use these tracking technologies to collect and record personally identifiable information about your online activities over time and across different Web sites when you use the Site, receive our Services, or otherwise communicate with us.

Changes to our Privacy Policy

We may revise this Privacy Policy from time to time in our sole discretion. If there are material changes to this Privacy Policy, we will post the updated Privacy Policy to our Site, and we may also notify you as required by applicable law. You understand and agree that you will be deemed to have accepted the updated Privacy Policy if you continue to visit our Site, use our Services, or otherwise interact with us after the new Privacy Policy takes effect as noted by the Effective Date above.

Contact Us

If you have any questions about our privacy practices, please contact us at 1-800-777-1567 or customerservice@cashloansdirect.com.