This (“Policy”) describes how BW Hughs, Inc. dba Quick Loans (collectively “Quick Loans,” “we” “our” or “us”), collects, uses and shares your information. Quick Loans takes the privacy of its customers and visitors to its stores and websites very seriously. This Policy describes the type of information we collect, how we use and share that information, how we protect that information, your choices regarding that information, and how you can contact us with any questions
WHAT INFORMATION IS COLLECTED, HOW IS IT COLLECTED AND HOW IS THAT INFORMATION USED?
We collect Personal Information and Non Personally Identifiable Information (“NPI”), as defined below. We collect Personal Information and NPI about our customers, store and website visitors, in primarily three ways: directly from our customer, store or website visitor (for example, when applying or inquiring for a loan in person or from entering your information when online), from our web server & application logs, cookies, web beacons, and similar technologies, and from third-Âparties. We use your Personal Information and NPI primarily to provide you our products and services, to ensure quality of service, to contact you, to provide you with offers or information about our products and services, and to provide you with a personalized website experience. We do not share with others any Personal Information, unless we say so in this Policy, or when we believe in good faith that the law requires it.
HOW IS MY INFORMATION SHARED?
We share your Personal Information and NPI with our affiliates.
We also share your Personal Information and NPI with our service providers and other third-Âparties as described below.
We may also share your Personal Information and NPI to meet our obligations to technology and content providers, or as required by law.
WHAT CHOICES DO I HAVE?
If you do not want to receive information about our products or services, please update your account preferences (where available), and/or utilize the “unsubscribe” or “opt-out” mechanism within the communications that you receive from us. If you have any additional questions or concerns related to this Policy, you may: email us at [email protected] call us at 417-725-5010 between 10 a.m. and 6 p.m. Central Time, Monday through FridayÍ¾ or write to us at Quick Loans, PO Box 1668, Nixa, MO 65714
HOW IS MY INFORMATION PROTECTED?
We have implemented certain appropriate security measures to help protect your Personal Information from accidental loss and from unauthorized access, use, or disclosure. Despite these measures, we cannot guarantee that unauthorized persons will always be unable to defeat our security measures.
What Information Do We Collect?
We collect two main categories of information from or about you: Personal Information and Non-Personally Identifiable Information (“NPI”).
We define Personal Information as information that directly identifies an individual, such as name, residential street address or postal address, email address, social security number, date of birth, driver’s license number, government-issued identification number, phone number, credit report, bank account or other financial institution account numbers and transactions.Â We define NonÂ-Personally Identifiable Information or NPI as information about an individual or about categories or groups of individuals that do not identify you individually, such as your IP address, randomly assigned values in “cookies,” mobile device identifiers, geo-Âlocation, and other technical information. We also collect other information that may not identify you individually, such as your gender, vehicle information, occupation and other employment information, personal references, and residenceÂ related information such as lease and ownership information, and other information.
How Do We Collect Your Information?
We may collect Personal Information from you in a variety of ways. For example, we collect information you provide when you apply for a loan or otherwise enter into a contractual arrangement with Quick Loans at physical store locations. We may also collect Personal Information from or about you when you visit a website owned or operated by Quick Loans or on our behalf, when you use our mobile applications, visit social media websites, when you encounter Quick Loans at an event, or when you enter a promotion we offer.Â We use thirdÂ parties to provide us with additional Personal Information about you. For example, if we know your name and postal address, we may use a third party to provide us with your email address. In addition to what is described below, we use this information for market analysis, marketing and other business purposes, including enforcement of contractual obligations. We may also collect Personal Information about you from consumer and/or credit reporting agencies and your personal references. If you provide Personal Information to us regarding others, we rely on you to obtain that other person’s consent for disclosing their information to us and inform that other person about how we will use the information and our contact details for any queries. In addition to what is described below, we collect NPI through many sources, including from information that you and third Âparties provide to us.
When you visit our websites, we may collect information about your visit and store that information, which are records of the activities on our website. Our servers automatically capture and save the information electronically. Examples of the information that we may collect or that thirdÂparties (including thirdÂparties involved in advertising operations) may collect while you navigate our website include, but are not limited to: (i)Your Internet protocol or “IP” addressÍ¾ (ii) The name of your Internet service providerÍ¾ (iii)The city, state, and country from which you access our websiteÍ¾Â (iv) The type and version of browser, operating system, computer, or mobile device you useÍ¾ (v) Screen resolutionÍ¾ (vi) A list of your browsers pluginsÍ¾ (vii) Installed fontsÍ¾ (viii) Other technical characteristics of your browser, computer, or deviceÍ¾ (viiii) The links you click within the website and the pages you visitÍ¾ (x) The date and time of your visitÍ¾ (xi) The web page from which you arrived to our websiteÍ¾ (xii) and Certain searches/queries that you conducted via our website. The information we collect helps us administer the website, analyze its usage, protect the website and its content from inappropriate use, and improve the visitor’s experience. The information may also be used for marketing purposes and may uniquely distinguish your browser or computer from other devices.
Other Data Collection Technologies
We may use web beacons, pixel tags, .gif files, and the like, that allow for the collection of information about your interactions on our websites. These technologies may be used, for example, to place advertisements, to understand website traffic patterns and the number of visitors to our website, and to measure the effectiveness of advertisements or our website. Web beacons, and the like, also enable thirdÂ parties involved in advertising operations to recognize your browser as you navigate to other websites and are necessary for the online delivery or placement of certain types of ads.Â We use Google Analytics, a web analytics service provided by Google, Inc. (“Google’) to collect certain information relating to your use of the Website. Google Analytics uses “cookies”, which are text files placed on your computer, to help the Website analyze how users use the site. You can find out more about how Google uses data when you visit our Website by visiting “How Google uses data when you use our partners’ sites or apps”, (located at www.google.com/policies/privacy/partners/). We may also use Google Analytics Advertising Features to provide you with interest-based advertising based on your online activity. For more information regarding Google Analytics please visit Google’s website, and pages that describe Google Analytics, such as www.google.com/analytics/learn/privacy.html. To learn more about interest-based advertisements and your opt-out rights and options, visit the Digital Advertising Alliance and the Network Advertising Initiative websites (www.aboutads.info and www.networkadvertising.org), or by clicking the “ad choices” icon by the advertisement and selecting what types of advertisement you wish to opt out of. Please note that if you choose to opt out, you may continue to see ads on our Website.
Social Networks and Widgets
Our website also includes social network or other thirdÂ-party plugÂins and widgets that may provide information to their associated social networks or thirdÂparties about Quick Loans websites you visit, even if you do not click on or otherwise interact with the plugÂin or widget and regardless of whether you have an account or other relationship with these social networks and thirdÂ-parties. Information is transmitted from your browser and may include an identifier assigned by the social network or thirdÂ-party, information about your browser type, operating system, device type, IP address and the URL of the web page where the plugÂin or widget appears. If you use social network tools or visit social networking websites, you should read their privacy policies, to learn what information they collect, use, and share.
Links to Other Websites
Quick Loansâ€™ websites may contain content, services, advertising and other materials that link to websites operated by thirdÂ-parties. We have no control over those other websites, and this Policy does not apply to them. We encourage you to refer to the privacy policies of those websites.
How Do We Use and Share Your Information?
We use the Personal Information and NPI we collect from you for many purposes. For example, we use Personal Information and NPI to process, manage, complete and account for transactions, including lending and service arrangements and collecting amounts payable associated with such arrangementsÍ¾ provide products and services you requestÍ¾ to enforce contractual obligationsÍ¾ help prevent fraud, unauthorized or criminal activity, claims and other liabilitiesÍ¾ operate, evaluate and improve our business, including developing new products and services, managing our communications, performing research and administering our website and other programs, and for auditing purposesÍ¾ market to you our products and services and the products and services of our franchisees and other thirdÂ-partiesÍ¾ communicate with you about our products and services, including to respond to your comments and inquiries, to use “click-Âto-Âchat” or equivalent functionality for customer service purposes, and to identify your preferences so we can notify you of new or additional products, services, promotions or events that may be of interest to youÍ¾ communicate with you about and administer your participation in promotions we offer or are involved in, such as sweepstakes, contests, special events and other programsÍ¾ enable you to participate in surveys and other research effortsÍ¾ perform data analysis, including market and consumer research, financial analysis, and to measure the effectiveness of our advertising efforts online and otherwiseÍ¾ and comply with applicable legal and regulatory requirements, industry standards or guidelines, and Quick Loans policies.Â In addition to other sharing described in this section, we may disclose Personal Information and NPI: (i) in order to comply with laws or legal process, including subpoenas or agency orders and investigations which we determine are required under appropriate circumstancesÍ¾ (ii) as we reasonably determine necessary or appropriate to protect property, our rights or the rights of othersÍ¾ and (iii) to enforce our contracts, policies and customer agreements.Â We may also DE-Âidentify Personal Information (by removing certain data elements such as name, phone number, date of birth) that we receive from you or from third-Âparties so that it cannot be used to identify a specific individual.Â We may transfer information covered by this Policy, including Personal Information, in connection with a merger or sale or store closing (including transfers made as part of insolvency or bankruptcy proceedings) of all or part of Quick Loans business or as part of a corporate reorganization, stock sale or other change in control.
Sharing With Corporate Entities, Franchisees, and ThirdÂ-Parties
We also share Personal Information and NPI with our affiliates and service providers who provide services to us or on our behalf and agree to only use such information for the purpose for which it was provided and in accordance with this Policy.Â We may also provide Personal Information and NPI to credit bureaus, third parties collecting amounts owed to us, and third parties to whom we assign your account for collection purposes.Â We may also share the Personal Information with select thirdÂ-party vendors, business partners, and other companies so that they can send you promotional materials about goods and services (including special offers and promotions) offered by them. After the information is provided to such third-parties, the subsequent use or disclosure of such information is subject to those third-parties’ privacy policies and practices.Â We may also use services hosted by third-parties to assist in providing our services and to help us understand our customers’ use of our products. A third-party service may collect information sent by your browser as part of a web page request, including, for example, your IP address, the third-party’s cookies, or any of the other categories of information itemized under Online Activities, above. Quick Loans uses “interest-Âbased” ads also known as “Online Behavioral Advertising” or “OBA.” Online behavioral advertising is advertising that is directed to you based, at least in part, on your Internet browsing behavior across the web. Although we do not share Personal Information with the third-parties that conduct advertising operations on our behalf, these third-parties and their affiliates do collect certain information as a result of their “tags” being on our website. The information they collect includes the name (URL) of the web pages you view while on our site, your IP address, time of visit, information about your browser software, information about your device, and randomly assigned identifiers stored in cookies, which they use to target and to advertise. Quick Loans uses third-parties that participate in the Digital Advertising Alliance (DAA), which prescribes certain norms of conduct and provides an opt-out for behaviorally targeted ads, as discussed in “Your Options Regarding Personal Information,” below.
How Do We Protect Your Information?
We maintain administrative, technical and physical safeguards intended to protect against the loss, misuse, unauthorized access, or disclosure of Personal Information and NPI. Although we take such precautions seriously, it is impossible for us or others to guarantee the safety and security of Personal Information and NPI.
Will this Policy Change?
This Policy may be updated periodically to reflect relevant changes in our information practices. We will post a notice on our website to inform you of significant changes to this Policy. We will also provide additional information regarding changes to this Policy as may be required by law.
Your Options Regarding PersonalÂ Information
You may request that we correct, update or amend the Personal Information we hold about you. To update us regarding changes in your Personal Information, please contact us at the store location at which you have done business, or you may contact us as described below. You may elect to optÂ out of receipt of email and text communications from us by following the instructions provided in such communications or by contacting us as provided below. Even after opting out, you may still receive service oriented, non-promotional communications from us and promotional communications from other third parties as a result of their own interactions or transactions with you. Please allow time for us to process your request or contact us should you have any concerns about your opt-out request. Do Not Track is a public-private initiative, http://www.w3.org/2011/trackingÂprotection/, that has developed a technical “flag” or signal that an endÂ user may be able to act within their browser software to notify websites that they do not wish to be “tracked” by 3rd parties as defined by the initiative. The initiative, however, has not reached a consensus as to exactly what technical or other actions those parties receiving the signal should take. As a result, Do NotÂ Track has not yet been standardized and most websites, including Quick Loans, do not alter their behavior or change their services when they receive a “do not track” flag or signal. You can, however, make decisions about your privacy and the ads you receive. As explained in the section above, “Sharing with Corporate Entities and ThirdÂ-Parties,” Quick Loans uses online behavioral advertising. You can control whether companies serve you behaviorally based advertising by visiting the DAA web page and using the DAA’s opt out http://www.aboutads.info/choices/. The DAA opt-out requires that cookies not be blocked in your browser. As an alternative to the DAA opt-out, you can also elect to block all cookies from first-Âparties (such as Quick Loans) and from third-Âparties (such as entities involved in advertising) by using the cookie blocking options built into your browser software. For example, in Internet Explorer 9, you can block both first and third-Âparty cookies by selecting those options at Tools/Internet Options/Privacy/Settings Advanced/Override Automatic Cookie Handling. As another example, if you are using Firefox 25, you can “uncheck” Accept All Cookies under Firefox Preferences/Privacy Use Custom Settings for History/Accept Cookies from Sites. Please note, however, that if you do decide to block cookies, some parts of our website may not function correctly.
How Can You Contact Us?
If you wish to contact us regarding your information or this Policy, you may: Email us at [email protected] Call us at 417-725-5010 between 10 a.m. and 6 p.m. Central Standard Time, Monday through Friday. Write to us at: Quick Loans P.O. Box 1668 Nixa, MO 6571