The Privacy Policy written on this webpage is published by Digital Cash Cowboy Inc. (hereafter, “Cash Cowboy”).  At Cash Cowboy, accessible from www.cashcowboy.net, one of our main priorities is the privacy of our visitors. This Privacy Policy document contains types of information that is collected and recorded by Cash Cowboy and how we use it. If you have additional questions or require more information about our Privacy Policy, do not hesitate to contact us.

This Privacy Policy applies only to our online activities and is valid for visitors to our website with regards to the information that they consent.

By using our website, you hereby consent to our Privacy Policy and agree to its terms. We collect and use information that we believe is reasonable for the purposes indicated to you. We obtain consent to use and disclose your personal information before or at the time the information is collected.

Information we collect

Personal Information You Provide: The personal information that you are asked to provide will be made clear to you at the point we ask for it. This may include your name, email address, phone number, address, photo ID, last paystub, the contents of any message and/or attachments you may send us, and any other information you choose to provide.

Purposes of Collection, Use, and Disclosure: We collect, use, and disclose your personal information for the following purposes:

1. To identify and determine your eligibility for a loan under the law.
2. To authorize and process your transactions.
3. To detect and prevent fraud.
4. To help safeguard the financial interests of our users and the Company.
5. To meet legal and regulatory requirements.

Restrictions on Use (Manitoba Borrowers Only): In accordance with Section 15.6(2) and 15.6(3) of the Regulation, we will not use information about a borrower for purposes other than providing or administering payday loans or collecting repayments of those loans. Specifically, information will not be used for the purchase of other goods or services or for sending marketing materials unrelated to the payday loans.

Types of Personal Information Collected: For determining your initial and ongoing eligibility for services, we may collect:

1. Basic profile information (e.g., name, email address).
2. Identifying information (e.g., date of birth, photo ID, driver’s license).
3. Employment, income, credit history.
4. Transactional information (e.g., bank account numbers). 

This information may include data received with your consent from third parties, such as from your employer, references, or financial institution.

Access to Personal Information: Only employees who require this personal information to provide services to you will have direct access to it.

Consent Timing for Manitoba Borrowers: 
In response to inquiries regarding the commencement and termination of consent for Manitoba borrowers, Cash Cowboy has established a consent period that begins on the date the loan agreement is signed and lasts for one year.

Consent and Disclosure:

• Personal information will not be used or disclosed for purposes other than those for which it was collected, except with the individual’s consent or as required by law.
• We may disclose personal information to third parties in limited circumstances, including with individual consent, as required by law, to our agents and representatives who assist us, or in connection with a corporate re-organization, merger, or sale of our business.

Consent Requirements: As per the Personal Investigations Regulation, when obtaining consent, we will inform the individual about the effective date of consent and that the consent will be valid for the term of the agreement or a specified duration.

Retention and Destruction of Personal Information: We will retain your personal information for as long as necessary to fulfill the purposes for which it was collected and as permitted or required by law. Personal information will be destroyed, deleted, erased, or converted to an anonymous form when it is no longer needed.

Log files

We may also use cookies and collect your demographic data when you visit or use our websites.

Changes to The Privacy Policy Agreement

Cash Cowboy reserves the right to update and/or change the terms of this privacy policy agreement at any time without prior notice. Such changes will take effect immediately upon posting. It is the visitors’ responsibility to keep up to date. If you do not agree with the terms of this Privacy Agreement, please do not continue using our Sites.