Welcome to Digital Cash Cowboy Inc. (“Cash Cowboy”). This Privacy Policy governs how we collect, use, and protect your personal information when you visit our website located at www.cashcowboy.net (hereafter, “the Website”).
At Cash Cowboy, we value your privacy and are committed to protecting your personal data. This Privacy Policy outlines the types of information we collect, how we use it, and your rights regarding that information. If you have any questions or concerns, please do not hesitate to contact us.
Table of Contents
- Personal Information You Provide
- Purposes of Collection, Use, and Disclosure
- Restrictions on Use (Manitoba Borrowers Only)
- Types of Personal Information Collected
- Access to Personal Information
- Consent Timing for Manitoba Borrowers
- Retention and Destruction of Personal Information
- Log Files and Cookies
- Changes to the Privacy Policy Agreement
Personal Information You Provide
When you interact with Cash Cowboy via our website, we may ask you to provide certain personal information, including but not limited to:
- Your name
- Email address
- Phone number
- Address
- Photo ID
- Last paystub
- Any messages 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 your eligibility for loans in compliance with legal requirements.
- Transaction Processing: To process and authorize your financial transactions.
- Fraud Prevention: To detect and prevent fraudulent activities.
- Financial Safeguarding: To protect the financial interests of both our users and Cash Cowboy.
- Legal Compliance: To meet all applicable legal and regulatory requirements.
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 or loan repayment purposes. We will not use your data for purchasing other goods or services or sending marketing materials unrelated to payday loans.
Types of Personal Information Collected
For both initial and ongoing eligibility assessments, we may collect:
- Basic Profile Information: Name, email address, and other contact details.
- Identifying Information: Date of birth, photo ID, driver’s license.
- Financial Information: Employment details, income, and credit history.
- Transactional Information: Bank account numbers and related data.
Access to Personal Information
Only employees who require personal information to provide services to you will have access to your data. We will ensure that access is strictly controlled and monitored.
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. You can revoke your consent at any time by contacting us directly.
Retention and Destruction of Personal Information
We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, in accordance with applicable laws. Once no longer needed, we will securely destroy, delete, or anonymize your data.
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.
