Initial and Annual Privacy Notice

Government Employees Credit Center, Inc. ("GECC") PRIVACY POLICY. This notice is provided to you on behalf of the Government Employees Credit Center, Inc. family of companies (hereinafter referred to as "GECC" or "GECC companies.")

Your privacy is important to us. Please read this policy 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 December 9, 2011 and replaces any privacy policies you may have received or viewed in the past.


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 and phone numbers when calling our customer service phone number
• information about your transactions with us, our affiliates, or others, such as your account history, your account balance, payment history, 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, credit history, and to verify your identity
• information we obtain to verify representations made by you, such as your employment history or income
• information obtained from specialized marketing information firms, such as household demographics.

HOW WE USE INFORMATION WE COLLECT
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 Affiliated Companies and Non-Affiliated Third Parties, 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.
• To analyze the information in order to better service you by enhancing our underwriting.
• To communicate with you using various forms of media to include, but not limited to, phone, email and SMS text messaging. View our SMS/Wireless Policy.

COLLECTION AND USE OF BANK ACCOUNT INFORMATION FOR LOAN PROCESSING AND SERVICING
We may consider the bank account information provided by you, along with any other consumer bank accounts detected as part of our information collection process, in processing and servicing your loan.

PARTIES TO WHOM WE DISCLOSE YOUR INFORMATION
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. Except as otherwise provided herein, 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.

If you become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice. 

GECC may also disclose information to Affiliated Companies and Non-Affiliated Third Parties that provide services to us (“Service Providers”). We contract with service providers to perform certain functions on our behalf. Examples include database providers who assist in identity verification, credit scoring companies, and direct marketers. Their access is limited only to the personal data needed to perform their functions, and only for the purpose of performing those functions, and they are prohibited from using or disclosing information for other purposes.

We also may release information if it becomes necessary for compliance with the law or to protect the rights, property, or safety of our websites, our users, or third parties. We reserve the right to release such personal data to law enforcement or other governmental officials as we, in our sole and absolute discretion, deem necessary to comply with the law. In addition, we reserve the right to use and disclose Your Information that is not in individually identifiable form as we deem appropriate in our sole discretion.

OUR SECURITY PROCEDURES
We also take steps to safeguard customer information. We restrict access to nonpublic personal information about you to those of our and our servicer’s employees who need to know that information to provide short-term loans to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

INFORMATION COLLECTION PROCESSES
We may employ "cookies" to help customize your access to the Website. A cookie is a piece of data stored on your hard drive containing information about you. Cookies have many benefits to enhance your experience at our Website. For instance, by setting a cookie on our Website, a user would not have to log in a password more than once, thereby saving time while on our Website. Even in the case where a user rejects a cookie, they may still use our Website.

We occasionally use cookies to anonymously track and target the interests of our users to further enhance the experience on our Website or for advertising tracking purposes.

In addition to cookies, our Website pages and/or e-mails may contain electronic images know as "pixel tags" (also known as clear gifs) to track the pages that visitors and/or users visit at the Website for purposes of formatting future campaigns and upgrading visitor information used in reporting statistics. Our Website may also contain pixel tags placed there by third parties to help determine the effectiveness of a joint promotional or advertising campaign.

EXPLANATION OF OPT OUT RIGHTS
If you desire to opt-out of disclosures to affiliates and non-affiliated third parties at any time after application, please email notice of your opt-out election to customerservice@cashdirectexpress.com

After our receipt of your opt-out election we will remove your name from any future marketing lists. By electing to opt-out of information sharing you will not receive updates on new products, services, or other special offers. We may still send you periodic emails or SMS text messages informing you of technical service issues related to a service you requested.

CHILDREN AND THE INTERNET
We respect the privacy of your children and comply with the Children’s Online Privacy Protection Act (“COPPA”).

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.