Privacy

Privacy Policy

This notice is provided to you on behalf of the Gemini Cash family of companies, (hereafter "Gemini Cash" or the "Gemini Cash companies").

Your Privacy is a priority for Gemini Cash. Please read this notice carefully. It provides important information about the way we collect, share, and protect your information. This privacy policy applies to anyone who applies for or uses our products or services, including current and former customers. This Privacy Policy is effective as of April 22, 2009.

INFORMATION WE COLLECT

We collect non-public personal information about you from the following sources:

  • information we receive from you on applications or other forms (including on-line applications and forms and surveys), such as your name, address, drivers' license number or other government issued ID, social security number, employment information, email addresses and assets and income information;
  • non-personally identifiable information such as, web page http headers (home server domain names, IP addresses, type of client computer and type of web browser);
  • information, user specific or aggregate, on what pages our visitors access;
  • the email addresses of visitors that communicate with us via emails;
  • information about your transactions with us, our affiliates, or others, such as your account history, your account balance, payment history, parties to transactions, and your reasons for doing business with us;
  • information we receive from third parties, such as consumer reporting agencies and other lenders regarding your credit worthiness and credit history;
  • information we obtain to verify representations made by you, such as your employment history or income; and
  • information obtained from specialized marketing information firms, such as household demographics.

HOW WE MAY USE AND SHARE YOUR INFORMATION

We may use all the information that we collect, as described above, for the following purposes:

  • To provide you with the products and services you requested.
  • To offer you additional products and services, from us or from others, that may be of interest to you.
  • To comply with reporting and other legal requirements.
  • To otherwise conduct the business of consumer lending including the collection of amounts owed to us.

We may share information about you with companies within our corporate family ("Affiliated Companies") and with other companies with whom we do business ("Non-Affiliated Third Parties") as required or permitted by law and described in this Privacy Policy. These Affiliated Companies and Non-Affiliated Third Parties may be financial service providers, such as mortgage bankers, mortgage brokers, consumer lenders, small lenders, installment lenders, loan brokers, deferred deposit providers, check cashers, supervised lenders, delayed deposit providers, deferred presentment providers, collection agencies, consumer reporting agencies, banks, credit card providers, debit card providers, tax preparers, payroll service providers, insurance agencies, bill payment agencies, ATM providers, lead generators, pawn and title pawn service providers, automobile dealers, automobile financing providers, automobile leasing companies, title lending companies, money transfer and remittance companies, bill payment providers, financial service provider holding companies and businesses engaging in the brokering, provisioning, marketing or sale of: money orders, warranty services, insurance services, and debt consolidation and assistance.

Unless you tell us not to, we may disclose all of the information that we collect, as described above, with Affiliated Companies and Non-Affiliated Third Parties, to the full extent permitted by law. These companies may use the information that we share for any legal purpose, including but not limited to, developing and promoting new or joint products, improving existing products and services, contacting you to offer products and services that may be of interest to you, and disclosing your information to other companies that may sell products or services that may be of interest to you. We may also disclose all of the information we collect, as described above, to companies who perform services on our behalf or to other financial institutions with whom we have joint marketing agreements.

HOW WE PROTECT YOUR INFORMATION

We restrict access to non-public personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to guard your non-public personal information from unauthorized access.

YOUR PRIVACY CHOICES

You have the right to make choices about how we share your information.

Your Choice to Limit Sharing of Information

If you prefer that we not disclose information about you to Affiliated Companies and Nonaffiliated Third Parties, you may direct us not to share this information by notifying us in writing at customerservice@geminicash.com. Once we receive your opt out request, we will stop sharing this information as soon as reasonably practicable.

Please note that even if you direct us to not share information with other companies, we may still share some information about you within Affiliated Companies and Non-Affiliated Third Parties as permitted or required by law. We may share information we collect regarding our transactions and experiences with you with Affiliated Companies. We may also share all information we collect about you with affiliated and non-affiliated companies to facilitate providing our services to you, to administer our business, in order to receive services from those companies, as permitted under joint marketing agreements, and as otherwise permitted or required by law. You may limit how Affiliated Companies use the information we share with them, as described below.

Your Choice to Limit Marketing by Affiliates

  • The Gemini Cash family of companies is providing this notice.
  • Federal law gives you the right to limit some but not all marketing from the Gemini Cash Companies. Federal law also requires us to give you this notice to tell you about your choice to limit marketing from the Gemini Cash Companies.
  • You may limit the Gemini Cash companies from marketing their products or services to you based on your personal information that they receive from other Gemini Cash companies by notifying us in writing at customerservice@geminicash.com. This information includes your income, your account history, and your credit history, report, or score.
  • Your choice to limit marketing offers from the Gemini Cash companies will apply until you tell us to change your choice.
  • If you have already made a choice to limit marketing offers from the Gemini Cash companies, you do not need to act again.

CREDIT REPORTING DISCLOSURE

We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

CHILDREN AND THE INTERNET

We respect the privacy of your children. We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen (13). You must be at least eighteen (18) years of age to obtain services from us.

CHANGES TO THIS PRIVACY POLICY

Because circumstances and technologies change, we reserve the right to change this Privacy Policy at any time. We will notify you of material changes to this policy by notifying you of the existence and location of the new or revised privacy policy.

© 2009 GeminiCash. All rights reserved.