Privacy Policy Information

Personal Information You Provide

When you interact with Cash Cowboy through the Website or in connection with a payday loan application or account, we may ask you to provide certain personal information, including but not limited to your name, email address, phone number, mailing address, date of birth, photo identification, driver’s license information, employment information, last paystub, banking information, and any messages, documents, or attachments you send to us.

Purposes of Collection, Use, and Disclosure

We collect, use, and disclose your personal information for the following purposes:

• Eligibility Verification: To assess and verify your eligibility for a payday loan and related services in compliance with legal and regulatory requirements.
• Identity Verification: To confirm your identity, verify the information you provide, and help protect against identity theft, fraud, and misuse of our services.
• Transaction Processing: To process, authorize, service, and administer your loan transactions and related payments.
• Account Administration: To create, maintain, manage, and service your loan account, including communicating with you about your application, loan status, repayment obligations, and account activity.
• Fraud Prevention and Risk Management: To detect, prevent, investigate, and respond to fraudulent, suspicious, unauthorized, or unlawful activity, and to protect the financial interests of both our customers and Cash Cowboy.
• Collections and Enforcement: To collect amounts owing, manage delinquent or defaulted accounts, and enforce our agreements and legal rights where necessary.
• Credit Reporting: To report information relating to your payday loan account to consumer reporting agencies, including Equifax, where permitted or required by applicable law.
• Legal Compliance: To meet applicable legal, regulatory, audit, recordkeeping, consumer protection, and compliance requirements.
• Internal Business Operations: To support our internal administration, reporting, customer service, system maintenance, quality assurance, and operational improvements.

Credit Reporting

We may collect, use, and disclose your personal information for the purpose of reporting your payday loan account information to consumer reporting agencies, where permitted or required by applicable law. This disclosure is made for the purposes of:

• Credit Reporting
• Identity Verification
• Fraud Prevention
• Account Management
• Loan Assessment
• Payment History Reporting
• Collections
• Compliance with Legal and Regulatory Requirements

The information we may report may include, but is not limited to: your identifying information, such as your name, address, date of birth, phone number, and other identifying details; your account information, such as your account number, loan opening date, loan status, and closure date; your financial and repayment information, such as balances, scheduled payments, actual payments, payment history, amounts past due, and date of last payment; your delinquency or default information, where applicable; and information relating to disputes, corrections, updates, or other changes made to previously reported information. This information may be incorporated into your credit file, potentially impacting your credit report or credit score.

We may also receive information from consumer reporting agencies for purposes including identity verification, credit assessment, account review, fraud prevention, collections, compliance, and other purposes permitted by applicable law.

Restrictions on Use (Manitoba Borrowers Only)

As per Section 15.6(2) and 15.6(3) of the regulation, Cash Cowboy will only use your information for payday loan services, loan repayment purposes, related account administration, credit reporting, collections, and other purposes permitted or required by applicable law. We will not use your personal information for purchasing other goods or services or for sending marketing materials unrelated to payday loans.

Types of Personal Information Collected

For initial and ongoing eligibility assessments, account administration, credit reporting, customer service, and legal compliance purposes, we may collect the following categories of personal information:

• Basic Profile Information: Name, email address, phone number, mailing address, and other contact details.
• Identifying Information: Date of birth, photo identification, driver’s license information, Social Insurance Number where permitted and provided, and other information used to verify identity.
• Financial Information: Employment details, income information, paystubs, banking information, repayment history, and credit-related information.
• Transactional Information: Loan application details, loan amount, account number, payment amounts, payment dates, balances, past due amounts, delinquency status, closure status, and related account activity.
• Communications and Supporting Documents: Messages, attachments, documents, and any other information you provide to us in connection with your application, account, or inquiries.
• Technical and Website Usage Information: Information collected through log files, cookies, and similar technologies when you use the Website.

Access to Personal Information

Only employees, contractors, agents, and service providers who require access to your personal information in order to provide services, administer your account, fulfill legal or compliance obligations, or support our business operations will have access to your information. We will take reasonable steps to ensure that access to personal information is limited to those who need it and that such access is appropriately controlled and monitored.

We may also disclose personal information to service providers, payment processors, consumer reporting agencies, professional advisors, regulators, law enforcement, or other parties where such disclosure is permitted or required by applicable law or is necessary for the purposes described in this Privacy Policy.

Questions About Reported Information

If you believe that any personal information reported by Cash Cowboy to Equifax or another consumer reporting agency is inaccurate or incomplete, you may contact us directly so that we can review your concern and, where appropriate, investigate and correct or update the information.

Consent Timing for Manitoba Borrowers

For Manitoba borrowers, consent begins on the date the loan agreement is signed and remains valid for a period of one year, unless revoked earlier, subject to legal and contractual restrictions and reasonable notice. In some circumstances, Cash Cowboy may still be permitted or required by law to retain, use, or disclose certain personal information after consent is withdrawn, including for legal compliance, recordkeeping, collections, dispute handling, and credit reporting correction purposes.

Retention and Destruction of Personal Information

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, including account administration, legal compliance, credit reporting, dispute handling, fraud prevention, recordkeeping, and enforcement of our rights and obligations, all in accordance with applicable law. When your personal information is no longer required for these purposes, we will take reasonable steps to securely destroy, delete, or anonymize it, subject to any legal or regulatory retention requirements.

Log Files and Cookies

When you visit the Website, we may automatically collect certain technical and demographic information through log files, cookies, and similar technologies. This information may include your IP address, browser type, device information, pages visited, time spent on the Website, referring pages, and other usage data.

We use cookies and similar technologies to improve Website functionality, support security, analyze Website traffic and usage, enhance your experience, and help us better understand how visitors use the Website. You may be able to control cookie settings through your browser, however, disabling cookies may affect certain Website features or functionality.

Changes to the Privacy Policy Agreement

Cash Cowboy reserves the right to update or change this Privacy Policy at any time. Any changes will be effective immediately upon posting on the Website. It is your responsibility to review this policy periodically to stay informed. By continuing to use our website, you agree to the updated Privacy Policy. If you do not agree with the terms of this Privacy Policy, please refrain from using our website.