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WHO IS COLLECTING MY INFORMATION?
Direct MicroLoans, LLC ("Direct MicroLoans" "us", or "we") is a corporate
affiliate of Domain Name Acquisitions, LLC the company that is presenting this website.
What information do we collect and how do we collect it?
The types of personal information we collect include:
- Identifying information, such as your name, address and Social Security
Number;
- Financial information, such as your income and banking information;
- Contact information, such as your email address and phone number; and
- We collect your personal information when you enter your information into
our website.
WHAT DOES DIRECT MICROLOANS DO WITH YOUR PERSONAL INFORMATION?
We choose how we share your personal information in accordance with applicable
law. Federal law gives consumers the right to limit some but not all sharing. Federal
law also requires us to tell you how we collect, share, and store your personal
information. We also follow state law with respect to these issues. Please read this
notice carefully to understand what we do.
How do we share?
Direct MicroLoans shares our customers' personal information as needed to
provide the services we offer. This Privacy Policy explains how we can share customers'
personal information; the reasons we may share your information; and whether you
can limit this sharing.
Can I limit sharing of my information?
We must have the ability to share personal information when needed for legal
compliance and everyday business purposes, such as processing transactions and information.
You can limit sharing for certain marketing and other uses. Federal law gives you
the right to limit sharing of: (a) Information about your credit worthiness or eligibility
information and (b) Information used by non-affiliates who are marketing their products
to you. State laws may give you additional rights to limit sharing. See the beginning
of the policy for details.
DEFINITIONS
Affiliates
Companies related by common ownership or control. They can be financial
or nonfinancial companies.
You can learn more about affiliates with whom we share information in the
section below called "Your Choice To Limit Marketing From Our Affiliates
(Opt-Out)".
Nonaffiliates
Companies not related by common ownership or control. They can be financial
or nonfinancial companies.
Nonaffiliates we may share with include other financial services companies,
such as automobile insurance, financing providers, retailers, direct marketers,
airlines, publishers, non-financial companies and non-profit organizations.
ALL CALIFORNIA AND VERMONT RESIDENTS SEE STATE NOTICES AND INFORMATION FOR INFORMATION ABOUT
YOUR RIGHTS AND HOW TO LIMIT OUR SHARING.
THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR INFORMATION
We protect customer privacy by ensuring that, in our company, only employees
who need to know information in order to provide the goods and services you choose
are authorized to access and use customer information.
We maintain physical, electronic and procedural safeguards to comply with federal
regulations to guard your non-public, personal information. We use Secure Socket
Layer (SSL) Technology to prevent unauthorized parties from viewing any personal
information you transmit to us. We continually assess new technology for protecting
information. We continually strive to ensure that our operational and data processing
systems are in a secure environment that protects your account information from
being accessed by unauthorized parties.
You can also take steps to help safeguard your personal information. Protect
your account numbers, PIN and customer access numbers. Never disclose confidential
information to unknown callers or e-mailers.
From time to time, we may enter into agreements with other companies to
provide services to us or to make other products and services available to you.
Pursuant to these agreements, the companies may receive information about you and
they must safeguard this information and they may not use it for any other purpose.
RETENTION TIME
Once you have provided personal information to us, we will store and maintain
the information you have volunteered for so long as you have not directed us otherwise,
and in compliance with applicable law. Our retention of this data also allows us
to continue providing you with personalized services and appropriate products without
interruption.
ACCURACY OF YOUR INFORMATION
We have established procedures to ensure that your information is accurate,
current and complete, in keeping with reasonable industry standards. We continually
strive to maintain complete and accurate information about you. Should you ever
believe that our records contain inaccurate or incomplete information about you,
please notify us. We will investigate your concerns and correct any information
we determine to be inaccurate.
NOTICE OF FURNISHING NEGATIVE INFORMATION TO CONSUMER
REPORTING AGENCIES
We may report information about your account to consumer reporting agencies. Late
payments, missed payments, or other defaults on your account may be reflected in
your consumer report.
Your Choice to Limit Marketing From Our Affiliates (Opt-out)
Federal law gives you the right to limit some but not all marketing
from our affiliates. Federal law also requires us to give you this notice to tell
you about your choice to limit marketing from our affiliates.
You may limit our affiliates, including CompuCredit Corporation,
Integrated Lead Monetization, Credit Logistics, LLC, CAR Financial, the Valued Services
Family of Companies, JRAS, LLC, and ACC Holding LLC from marketing their products
or services to you based on your personal information that we collect and share
with them. This information includes your income, your employment information, and
your banking information.
Your choice to limit marketing offers from our affiliates will apply
until you tell us to change your choice.
To limit marketing offers, opt out using the form below.
CHILDREN
We do not specifically intend to collect information from children (under 18 years
old). We believe that children should get their parent's consent before giving out
personal information. If you discover your child has used our site against your
wishes, email us at account.services@pcacontact.com
or mail to: Purpose Customer Service, P.O. Box 105096, Atlanta, GA 30348-5096 and
we will remove your child's information from our records. If you are concerned about
your child's use of our site, we encourage you to use website filtering technology
to supervise your child's access to that site.
Sharing Practices and Other Information
How often does Direct MicroLoans notify me about their practices?
We must notify you about our sharing practices when you first visit our
website.
How does Direct MicroLoans protect my personal information?
To protect your personal information from unauthorized access and use, we
use security measures that comply with federal and state law.
CHANGES TO THIS PRIVACY POLICY
Since offerings and technologies change, to the extent permitted by applicable
law, we reserve the right to change or remove portions of our Privacy Policy at
any time without notification. We will provide you with
a revised notice before we (i) disclose a new category of nonpublic personal information
to any nonaffiliated third party; (ii) disclose nonpublic personal information to
a new category of nonaffiliated third parties; or (iii) if you are a former customer,
disclose nonpublic personal information to a nonaffiliate if you have not had the
opportunity to exercise an opt out right regarding that disclosure.
I WANT TO LIMIT DIRECT MICROLOANS'S SHARING
Contact Us:
- By email:
account.services@pcacontact.com
- By Mail:
mark your choices below fill in and send form to:
Purpose Customer Service
P.O. Box 105096
Atlanta, GA 30348-5096
Check any/all you want to limit:
Do not share my eligibility information
with DIRECT MICROLOANS's affiliates.
Do not allow DIRECT MICROLOANS's affiliates
to use my personal information to market to me.
Do not share my personal information with
nonaffiliates to allow THEM to market their products to me.
Your Name ____________________________________________________________
Your Address___________________________________________________________
Your Email Address _____________________________________________________
Signature: ________________________________ Date: ________________________
You do not need to contact us unless you want to make one
of the privacy choices listed above.
Tips to Help You Protect Your Customer Information - Assistance to Victims
of Identity Theft
If you suspect that someone has had unauthorized access to an account with
us, or access to your personal identifying information such as your Social Security
Number or credit card information, please contact the servicer on the back of your
card so that they can take action to protect you.
In addition, you should also report the crime to your local law enforcement agency
and to the Federal Trade Commission (FTC) and provide us with a copy of any such
report. To speak with a trained FTC telephone counselor,
call toll-free at 1-877-IDTHEFT (1-877-438-4338). Or to
enter your information about your complaint into a secure FTC online database, sign
onto www.ftc.gov/idtheft. The site also provides links to numerous consumer education
materials. The FTC is a government agency and is not at
all affiliated with Direct MicroLoans, LLC.
STATE NOTICES AND INFORMATION
Important Notice for Vermont Customers
As stated in this Privacy Policy, in addition to following
Federal privacy requirements, we also adhere to privacy requirements under applicable
state law. As long as your billing address is in Vermont , the following describes
additional protections we are providing to you, based on Vermont law. No further
action by you is necessary and you do not need to return the Opt Out Form.
We will not share information we collect about you with unrelated
companies except:
-
with companies that conduct marketing
or other services for us
-
with financial institutions that
we have joint marketing agreements with (and then, only your name and contact information
and transaction information, such as your payment history);
-
with your authorization
-
as otherwise permitted by law
We will not share credit report information about you
within our related family of companies unless you authorize us to do so.
Vermont
Residents Only
Opt In:
If you want to authorize us to disclose information about
you as described on Page 1 of this Privacy Policy, please print out this form and
mail it to:
Purpose Customer Service
P.O. Box 105096
Atlanta, GA 30348-5096
You may also e-mail this form to us using the Contact
Us form at http://www.purposecashadvance.com.
Please Print:
Name: _______________________________________________________________
Address: _____________________________________________________________
Email Address: ________________________________________________________
I authorize you to share information about me with affiliates.
I authorize you to share information about me with non-affiliated third parties.
Signature:____________________________Date:_____________
Please allow two to four weeks for processing.
Important Notice for California Customers
As stated in this Privacy Policy, in addition to following
Federal privacy requirements, we adhere to privacy requirements under applicable
state law. As long as your billing address is in California , we are providing to
you additional protections based on California Law.
We will not share information about you with unrelated
companies as stated under Other Disclosures: Unrelated Companies. You do not need
to return the opt-out form. For sharing information with related companies and unrelated
companies that we do business with to provide financial products and services, see
the information below for an explanation of your rights.
Important Privacy Choices for California Customers
You have the right to control whether we share some of
your information. Please read the following carefully
before you make your choices below.
Your Rights
You have the following rights to restrict the sharing
of information with related companies and unrelated companies that we do business
with. Nothing in this form prohibits the sharing of information necessary for us
to follow the law, as permitted by law, or to give you the best service on your
accounts with us. This includes sending you information about some other products
or services.
Your Choices
Restrict Information Sharing With Related Companies:
Unless you say "No," we may share information about you with our related companies.
NO, please do not share information with your related companies.
Restrict Information Sharing With Unrelated Companies
We Do Business With To Provide Financial Products And Services: Unless you say "No,"
we may share information about you with unrelated companies we contract with to
provide financial products and services to you.
NO, please do not share information with unrelated companies you contract with to
provide financial products and services.
Time Sensitive Reply
You may make your privacy choice(s) at any time. Your
choice(s) marked here will remain unless you state otherwise. However, if we do
not hear from you we may share some of your information with related companies and
unrelated companies with whom we have contracts to provide products and services.
Name: __________________________________________________________________
Address: ________________________________________________________________
Email Address: ___________________________________
Signature: _______________________________________ Date:
__________________
To exercise your choices do one of the following:
(1) Fill out, sign and send back this form to us at:
Purpose Customer Service
P.O. Box 105096
Atlanta, GA 30348-5096
(you may want to make a copy
for your records)
or
(2) Call this toll-free number:
1-800-573-5745.
or
(3) Email a copy of this form
to us at:account.services@pcacontact.com
Privacy Policy Last Updated on 04/06/2011.