Data Collection


RiverbendCash.com is serious about protecting your online privacy. This Privacy Policy explains our views and practices concerning privacy and how they may pertain to you as a user of our website. All information transmitted, printed, or otherwise submitted to Lender via this website shall be deemed to be the property of RiverbendCash.com and its affiliates. We shall be free to use such information for any lawful purpose as detailed herein. We reserve the right to release such information to law enforcement or other governmental officials as we, in our sole and absolute discretion, deem necessary to comply with the law.

WHAT INFORMATION WE COLLECT

We automatically collect and/or track the following:

  • Web page HTTP headers (home server domain names, IP address, type of client computer, and type of Web browser);
  • Information provided by you through on-line forms, registration forms, surveys, and/or other entries, such as your name, address, drivers license number or other government issued photo ID, social security number, email addresses, assets and income;
  • Information, user specific or aggregate, on what pages our visitors access;
  • The email addresses of visitors that communicate with us via email;
  • Information about your transactions with RiverbendCash.com, its affiliates or others, such as payment history and loan balances; and
  • Information we receive from third parties, such as consumer reporting agencies and other lenders, regarding creditworthiness and credit history.

HOW WE USE THAT INFORMATION

We use your personal, demographic and profile data to enhance your experience at our website and to enable us to present content we think you might be interested in. We use your contact information to send you information about our company and promotional material from our partners. We may also use your personal, demographic and profile data to improve our website, for statistical analysis, for marketing and promotional purposes, and for editorial or feedback purposes for our advertisers. Information collected by us may be added to our databases and used for future emails or postal mailings regarding site updates, new products and services, upcoming events, and/or status of orders placed online.

DISCLOSURE OF DATA TO THIRD PARTIES

If you choose to provide personal information, it will be used for the following purposes:

  • Considering you for a loan; and
  • For marketing products and services which we determine, in our sole judgment, that you might find of interest.

We reserve the right to share, rent, sell or otherwise disclose data we collect to our affiliates, as well as to non-affiliated third parties, including but not limited to magazine publishers, retailers and direct marketers. Any non-affiliated third party we share, rent, sell or otherwise disclose data to will be carefully prescreened by us, determined by us to be reputable, and will use the personal data for marketing products and services which we determine, in our sole judgment, that you might find of interest.

DETAILED WIRELESS POLICY

By opting-in you are providing consent to use personal information to provide the services you've requested, including services that display customized content and advertising.

Your provider's message and data rates apply to any SMS (Short Message Service) messages. You may opt-out and remove your SMS information by sending "STOP", "END", "CANCEL", "UNSUBSCRIBE", or "QUIT" to the SMS text message you have received. If you remove your SMS information from our database, your number will no longer be used for secondary purposes, disclosed to third parties and used by us for third parties to send promotional correspondence to you.

Data obtained from you in connection with this SMS service may include your name, address, cell phone number, your provider's name, the date and time, and content of your messages. We will not be liable for any delays in the receipt of any SMS messages, as delivery is subject to effective transmission from your network operator. SMS message services are provided on an AS-IS basis.

Wireless Opt-Out: To cancel text message alerts, simply reply "STOP" to the message received to opt-out of respective text alert programs.

COLLECTION AND USE OF BANK ACCOUNT INFORMATION FOR PURPOSES OF COLLECTING

If we extend credit to a consumer, we will consider the bank account information provided by the consumer as eligible for us to process payments. In addition, as part of our information collection process, we may detect additional bank accounts under the ownership of the consumer. We will consider these additional accounts to be part of the application process and eligible for payment retrieval***

YOUR OPT-OUT RIGHTS

You may opt out of receiving communications from us and/or our third party partners by not submitting your information. We also allow you to remove your information from our database by responding to any of our email communications with "remove" in the subject line. If you remove your information from our database, it will no longer be used by us for secondary purposes, disclosed to third parties, or used by us or third parties to send promotional correspondence to you. We take your privacy seriously and do not tolerate spam.

OUR RIGHT TO CONTACT YOU

We reserve the right to contact you regarding your account status and changes to subscriber agreements, privacy policy, or any other policies or agreements relevant to you and/or your loan.

OUR RIGHT TO CHANGE THIS POLICY

We reserve the right to change this policy at any time by notifying you of the existence and location of the new or revised privacy policy or by posting the changes online at our website.

WE DO NOT INTEND TO COLLECT DATA FROM CHILDREN

The information and services provided by us or our affiliates, sponsors, and advertisers are not intended to be viewed by children (under 18 years of age). No information collected from children is knowingly used for any marketing or promotional purposes whatsoever the lender or its affiliates.


***For underwriting and verification purposes only. We always obtain prior or separate customer authorization when trying to obtain additional consumer bank account information as a potential payment option.