Privacy Policy
Privacy Policy, Notices and Disclosures
NOTICE: We adhere to the Patriot Act and we are required by law to adopt procedures to request and retain in our records information necessary to verify you identity.
NOTICE: A short term loan provides the cash needed to meet an immediate short-term cash flow problem. It is not a solution for longer term financial problems for which longer term financing may be more appropriate. You may want to discuss your financial situation with a nonprofit financial counseling service in your community. You will be charged additional fees if you renew the loan.
Arbitration of All Disputes: You and we agree that any and all claims, disputes or controversies between you and us, any claim by either of us against the other (or the employees, officers, directors, agents, servicers or assigns of the other) and any claim arising from or relating to your application for this loan, regarding this loan or any other loan you previously or may later obtain from us, this Note, this agreement to arbitrate all disputes, your agreement not to bring, join or participate in class actions, regarding collection of the loan, alleging fraud or misrepresentation, whether under common law or pursuant to federal, state or local statute, regulation or ordinance, including disputes regarding the matters subject to arbitration, or otherwise, shall be resolved by binding individual (and not joint) arbitration by and under the Code of Procedure of the National Arbitration Forum ("NAF") in effect at the time the claim is filed. This agreement to arbitrate all disputes shall apply no matter by whom or against whom the claim is filed. Rules and forms of the NAF may be obtained and all claims shall be filed at any NAF office, on the World Wide Web at www.arb-forum.com, by telephone at 800-474-2371, or at "National Arbitration Forum, P.O. Box 0191, Minneapolis, Minnesota 55405." Your arbitration fees will be waived by the NAF in the event you cannot afford to pay them. The cost of a participatory hearing, if one is held at your or our request, will be paid for solely by us and will take place at a location near your residence. This arbitration agreement is made pursuant to a transaction involving interstate commerce. It shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16. Judgment upon the award may be entered by any party in any court having jurisdiction.
NOTICE: YOU AND WE WOULD HAVE HAD A RIGHT OR OPPORTUNITY TO LITIGATE DISPUTES THROUGH A COURT AND HAVE A JUDGE OR JURY DECIDE THE DISPUTES BUT HAVE AGREED INSTEAD TO RESOLVE DISPUTES THROUGH BINDING ARBITRATION.
Agreement Not To Bring, Join Or Participate In Class Actions: To the extent permitted by law, you agree that you will not bring, join or participate in any class action as to any claim, dispute or controversy you may have against us, our employees, officers, directors, servicers and assigns. You agree to the entry of injunctive relief to stop such a lawsuit or to remove you as a participant in the suit. You agree to pay the attorney's fees and court costs we incur in seeking such relief. This agreement does not constitute a waiver of any of your rights and remedies to pursue a claim individually and not as a class action in binding arbitration as provided above. This agreement not to bring, join, or participate in class actions is an independent agreement and shall survive the closing and repayment of the loan for which you are applying. By submitting this Application you certify that all of the information provided above is true, complete and correct and provided to us for the purpose of inducing us to make the loan for which you are applying. You also agree to the Agreement to Arbitrate All Disputes and the Agreement Not To Bring, Join Or Participate in Class Actions. You authorize us to verify all information that you have provided and acknowledge that this information may be used to verify certain past and/or current credit or payment history information from third party source(s). We may utilize Check Loan Verification or other similar consumer-reporting agency for these purposes. We may disclose all or some of the nonpublic personal information about you that we collect to financial service providers that perform services on our behalf, such as the servicer of your short term loan, and to financial institutions with which we have joint marketing arrangements. Such disclosures are made as necessary to effect, administer and enforce the loan you request or authorize and any loan you may request or authorize with other financial institutions with regard to the processing, funding, servicing, repayment and collection of your loan.
www.garlandcashlenders.com is serious about protecting your online privacy. This Privacy Statement explains our views and practices concerning privacy, and how they may pertain to you as a user of our system.
"You" or "Your" means you as a participant in or as a user of the www.garlandcashlenders.com website. "We" or "Our" or "Us" means www.garlandcashlenders.com . "Our site" means www.garlandcashlenders.com .
All information transmitted, printed or otherwise submitted to www.garlandcashlenders.com via this website shall be deemed to be the property of www.garlandcashlenders.com and www.garlandcashlenders.com shall be free to use such information for any lawful purpose as detailed herein.
This site contains links to other sites and we are not responsible for the privacy practices or the content of such sites.
We reserve the right to release such information to law enforcement or other governmental officials as we, in our sole and absolute discretion, deem necessary to comply with the law.
Section 1
Collected Information We automatically collect and/or track the following:
1. Web page http headers (home server domain names, IP address, type of client computer, and type of Web browser);
2. information knowingly provided by you through on-line forms, registration forms, surveys, and/or other entries, such as email addresses, personal, financial or demographic information;
3. information, user specific or aggregate, on what pages our visitors access; and
4. E-mail addresses of visitors that communicate with www.garlandcashlenders.com via e-mail.
Section 2
Use of Data Collected We use your personal, demographic and profile data to enhance your experience at our site and to enable us to present content we think you might be interested in. We use your contact information to send you information about our company and promotional material from our partners. We may also use your personal, demographic and profile data to improve our site, for statistical analysis, for marketing and promotional purposes, and for editorial or feedback purposes for our advertisers. Information collected by us may be added to our databases and used for future telemarketing, SMS text-messaging, e-mails or postal mailings regarding site updates, new products and services, upcoming events, and/or status of orders placed online. By using this site, you agree that you may be contacted in any manner contemplated in this section even if your number is found on a do not call registry, in-house list or similar registry.
Section 3
Disclosure of Data to Third Parties If you choose to provide personal information, it will be used for the following purposes:
1. considering you for a www.garlandcashlenders.com product;
2. as required by law; and
3. for marketing products and services which we determine, in our sole judgment, that you might find of interest. We reserve the right to share, rent, consign, or otherwise disclose data we collect to third parties. Any third party we share, rent, consign, or otherwise disclose data to will be prescreened by us, determined by us to be reputable, and will use the personal data for marketing products and services which we determine, in our sole judgment, that you might find of interest.
Section 4
Your Opt-Out Rights You may opt-out of receiving communications from us and/or our partners by not submitting your information. We also allow you to remove your information from our marketing lists. If you remove your information from our marketing lists it will no longer be used by us to send promotional correspondence to you. You can remove your information from our marketing lists by writing via email; Unsubscribe.
Section 5
We Do Not Intend to Collect Data from Children The information and services provided to us or our affiliates, sponsors, and advertisers are not intended to be viewed by children (under 18 years old). No information collected from children is knowingly used for any marketing or promotional purposes whatsoever, either inside or outside www.garlandcashlenders.com . No part of www.garlandcashlenders.com 's web site is structured to attract anyone under the age of 18.
Section 6
Our Right to Contact You We reserve the right to contact you regarding your account status and changes to subscriber agreements, privacy policy, or any other policies or agreements relevant to you.
Section 7
Our Right to Change We reserve the right to change this policy at any time by notifying you of the existence and location of the new or revised privacy policy or by posting the changes online at our site.
Section 8
Our Contact Information If you have any questions about this privacy statement, the practices of this site, or your dealings with this website, you can contact us via email sent to: Spam Alert Report.
Section 9
Anti Spam Policy. Can-Spam Act Compliance www.garlandcashlenders.com is dedicated to ensuring compliance with the 'Can-Spam Act', which took effect January 1, 2004. You may receive email from www.garlandcashlenders.com in the following circumstances:
1. Acknowledging your application has been received and requesting additional action
2. Requests for additional information to support your current application
3. Response to your inquiries regarding the status of your loan, payment due dates, extension requests and other transactional requests
4. Thanking you for your valued business
5. Advertisements for our products, services, changes in services, new product availability
6. Advertisements for third party products and services where we have determined that such product or service may be of interest to our customers
To ensure compliance with the Can-Spam Act, www.garlandcashlenders.com has implemented the following guidelines for email delivery:
1. All emails sent to you by www.garlandcashlenders.com will clearly identify www.garlandcashlenders.com as the sender. FROM / SENDER: www.garlandcashlenders.com
2. The Subject Line of any email you receive will always accurately describe the subject matter of the email.
3. Any email from www.garlandcashlenders.com will include the ability to unsubscribe from future email messages.
4. Unsubscribing will ensure the customer is removed from ALL lists at www.garlandcashlenders.com ; this excludes customer service emails regarding the processing and status of a current product.
5. Advertising emails from www.garlandcashlenders.com will include information that the email is an advertisement, either in the body or footer of the email.
6. All emails sent to you directly by www.garlandcashlenders.com include valid postal address information in the footer.
7. All third party marketing partners are required to comply with the Can-Spam Act.
8. Emails sent to you directly by www.garlandcashlenders.com will include an email address and physical address where you can send suggestions, complaints or other correspondence.
Section 10
Information for ISPs
Web Site: www.garlandcashlenders.com
Email Address: Spam Alert Report
www.garlandcashlenders.com understands consumers' concerns over the use of their personal information. We hope this information will relieve any concerns your company may have regarding our email policies. www.garlandcashlenders.com and its affiliated sites use only an "opt-in or opt out" method of obtaining customer information, and it is not our policy to send unsolicited email. We obtain email addresses and personal information from third parties that follow the same set of policies. www.garlandcashlenders.com email messages sent include the following information about the origin of the emails and include instructions on how recipients can unsubscribe from receiving future email messages:
This email is not sent unsolicited. This is a www.garlandcashlenders.com emailing. Offers are sent to subscribers ONLY. The e-mail address you subscribed with is: To be removed from our list, Unsubscribe. View our Privacy Policy ISP's view our policies.
From time to time, www.garlandcashlenders.com will enter into an arrangement with a third party website to allow individuals to opt into our marketing program on those third party websites. In each case the third party websites have represented and warranted to us, among other things,
1. that the data was collected voluntarily from individuals on website registrations and co-registrations,
2. that the sellers have a right, under any applicable privacy statements, to transfer the data to us, and
3. that www.garlandcashlenders.com has the right to send marketing offers to the individuals.
We hope this information satisfies any questions or concerns you may have regarding the email practices of www.garlandcashlenders.com . If you have additional questions or wish to discuss this matter further, please contact us at Spam Alert Report.
NOTICE: We adhere to the Patriot Act and we are required by law to adopt procedures to request and retain in our records information necessary to verify you identity.
NOTICE: A short term loan provides the cash needed to meet an immediate short-term cash flow problem. It is not a solution for longer term financial problems for which longer term financing may be more appropriate. You may want to discuss your financial situation with a nonprofit financial counseling service in your community. You will be charged additional fees if you renew the loan.
Arbitration of All Disputes: You and we agree that any and all claims, disputes or controversies between you and us, any claim by either of us against the other (or the employees, officers, directors, agents, servicers or assigns of the other) and any claim arising from or relating to your application for this loan, regarding this loan or any other loan you previously or may later obtain from us, this Note, this agreement to arbitrate all disputes, your agreement not to bring, join or participate in class actions, regarding collection of the loan, alleging fraud or misrepresentation, whether under common law or pursuant to federal, state or local statute, regulation or ordinance, including disputes regarding the matters subject to arbitration, or otherwise, shall be resolved by binding individual (and not joint) arbitration by and under the Code of Procedure of the National Arbitration Forum ("NAF") in effect at the time the claim is filed. This agreement to arbitrate all disputes shall apply no matter by whom or against whom the claim is filed. Rules and forms of the NAF may be obtained and all claims shall be filed at any NAF office, on the World Wide Web at www.arb-forum.com, by telephone at 800-474-2371, or at "National Arbitration Forum, P.O. Box 0191, Minneapolis, Minnesota 55405." Your arbitration fees will be waived by the NAF in the event you cannot afford to pay them. The cost of a participatory hearing, if one is held at your or our request, will be paid for solely by us and will take place at a location near your residence. This arbitration agreement is made pursuant to a transaction involving interstate commerce. It shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16. Judgment upon the award may be entered by any party in any court having jurisdiction.
NOTICE: YOU AND WE WOULD HAVE HAD A RIGHT OR OPPORTUNITY TO LITIGATE DISPUTES THROUGH A COURT AND HAVE A JUDGE OR JURY DECIDE THE DISPUTES BUT HAVE AGREED INSTEAD TO RESOLVE DISPUTES THROUGH BINDING ARBITRATION.
Agreement Not To Bring, Join Or Participate In Class Actions: To the extent permitted by law, you agree that you will not bring, join or participate in any class action as to any claim, dispute or controversy you may have against us, our employees, officers, directors, servicers and assigns. You agree to the entry of injunctive relief to stop such a lawsuit or to remove you as a participant in the suit. You agree to pay the attorney's fees and court costs we incur in seeking such relief. This agreement does not constitute a waiver of any of your rights and remedies to pursue a claim individually and not as a class action in binding arbitration as provided above. This agreement not to bring, join, or participate in class actions is an independent agreement and shall survive the closing and repayment of the loan for which you are applying. By submitting this Application you certify that all of the information provided above is true, complete and correct and provided to us for the purpose of inducing us to make the loan for which you are applying. You also agree to the Agreement to Arbitrate All Disputes and the Agreement Not To Bring, Join Or Participate in Class Actions. You authorize us to verify all information that you have provided and acknowledge that this information may be used to verify certain past and/or current credit or payment history information from third party source(s). We may utilize Check Loan Verification or other similar consumer-reporting agency for these purposes. We may disclose all or some of the nonpublic personal information about you that we collect to financial service providers that perform services on our behalf, such as the servicer of your short term loan, and to financial institutions with which we have joint marketing arrangements. Such disclosures are made as necessary to effect, administer and enforce the loan you request or authorize and any loan you may request or authorize with other financial institutions with regard to the processing, funding, servicing, repayment and collection of your loan.
www.garlandcashlenders.com is serious about protecting your online privacy. This Privacy Statement explains our views and practices concerning privacy, and how they may pertain to you as a user of our system.
"You" or "Your" means you as a participant in or as a user of the www.garlandcashlenders.com website. "We" or "Our" or "Us" means www.garlandcashlenders.com . "Our site" means www.garlandcashlenders.com .
All information transmitted, printed or otherwise submitted to www.garlandcashlenders.com via this website shall be deemed to be the property of www.garlandcashlenders.com and www.garlandcashlenders.com shall be free to use such information for any lawful purpose as detailed herein.
This site contains links to other sites and we are not responsible for the privacy practices or the content of such sites.
We reserve the right to release such information to law enforcement or other governmental officials as we, in our sole and absolute discretion, deem necessary to comply with the law.
Section 1
Collected Information We automatically collect and/or track the following:
1. Web page http headers (home server domain names, IP address, type of client computer, and type of Web browser);
2. information knowingly provided by you through on-line forms, registration forms, surveys, and/or other entries, such as email addresses, personal, financial or demographic information;
3. information, user specific or aggregate, on what pages our visitors access; and
4. E-mail addresses of visitors that communicate with www.garlandcashlenders.com via e-mail.
Section 2
Use of Data Collected We use your personal, demographic and profile data to enhance your experience at our site and to enable us to present content we think you might be interested in. We use your contact information to send you information about our company and promotional material from our partners. We may also use your personal, demographic and profile data to improve our site, for statistical analysis, for marketing and promotional purposes, and for editorial or feedback purposes for our advertisers. Information collected by us may be added to our databases and used for future telemarketing, SMS text-messaging, e-mails or postal mailings regarding site updates, new products and services, upcoming events, and/or status of orders placed online. By using this site, you agree that you may be contacted in any manner contemplated in this section even if your number is found on a do not call registry, in-house list or similar registry.
Section 3
Disclosure of Data to Third Parties If you choose to provide personal information, it will be used for the following purposes:
1. considering you for a www.garlandcashlenders.com product;
2. as required by law; and
3. for marketing products and services which we determine, in our sole judgment, that you might find of interest. We reserve the right to share, rent, consign, or otherwise disclose data we collect to third parties. Any third party we share, rent, consign, or otherwise disclose data to will be prescreened by us, determined by us to be reputable, and will use the personal data for marketing products and services which we determine, in our sole judgment, that you might find of interest.
Section 4
Your Opt-Out Rights You may opt-out of receiving communications from us and/or our partners by not submitting your information. We also allow you to remove your information from our marketing lists. If you remove your information from our marketing lists it will no longer be used by us to send promotional correspondence to you. You can remove your information from our marketing lists by writing via email; Unsubscribe.
Section 5
We Do Not Intend to Collect Data from Children The information and services provided to us or our affiliates, sponsors, and advertisers are not intended to be viewed by children (under 18 years old). No information collected from children is knowingly used for any marketing or promotional purposes whatsoever, either inside or outside www.garlandcashlenders.com . No part of www.garlandcashlenders.com 's web site is structured to attract anyone under the age of 18.
Section 6
Our Right to Contact You We reserve the right to contact you regarding your account status and changes to subscriber agreements, privacy policy, or any other policies or agreements relevant to you.
Section 7
Our Right to Change We reserve the right to change this policy at any time by notifying you of the existence and location of the new or revised privacy policy or by posting the changes online at our site.
Section 8
Our Contact Information If you have any questions about this privacy statement, the practices of this site, or your dealings with this website, you can contact us via email sent to: Spam Alert Report.
Section 9
Anti Spam Policy. Can-Spam Act Compliance www.garlandcashlenders.com is dedicated to ensuring compliance with the 'Can-Spam Act', which took effect January 1, 2004. You may receive email from www.garlandcashlenders.com in the following circumstances:
1. Acknowledging your application has been received and requesting additional action
2. Requests for additional information to support your current application
3. Response to your inquiries regarding the status of your loan, payment due dates, extension requests and other transactional requests
4. Thanking you for your valued business
5. Advertisements for our products, services, changes in services, new product availability
6. Advertisements for third party products and services where we have determined that such product or service may be of interest to our customers
To ensure compliance with the Can-Spam Act, www.garlandcashlenders.com has implemented the following guidelines for email delivery:
1. All emails sent to you by www.garlandcashlenders.com will clearly identify www.garlandcashlenders.com as the sender. FROM / SENDER: www.garlandcashlenders.com
2. The Subject Line of any email you receive will always accurately describe the subject matter of the email.
3. Any email from www.garlandcashlenders.com will include the ability to unsubscribe from future email messages.
4. Unsubscribing will ensure the customer is removed from ALL lists at www.garlandcashlenders.com ; this excludes customer service emails regarding the processing and status of a current product.
5. Advertising emails from www.garlandcashlenders.com will include information that the email is an advertisement, either in the body or footer of the email.
6. All emails sent to you directly by www.garlandcashlenders.com include valid postal address information in the footer.
7. All third party marketing partners are required to comply with the Can-Spam Act.
8. Emails sent to you directly by www.garlandcashlenders.com will include an email address and physical address where you can send suggestions, complaints or other correspondence.
Section 10
Information for ISPs
Web Site: www.garlandcashlenders.com
Email Address: Spam Alert Report
www.garlandcashlenders.com understands consumers' concerns over the use of their personal information. We hope this information will relieve any concerns your company may have regarding our email policies. www.garlandcashlenders.com and its affiliated sites use only an "opt-in or opt out" method of obtaining customer information, and it is not our policy to send unsolicited email. We obtain email addresses and personal information from third parties that follow the same set of policies. www.garlandcashlenders.com email messages sent include the following information about the origin of the emails and include instructions on how recipients can unsubscribe from receiving future email messages:
This email is not sent unsolicited. This is a www.garlandcashlenders.com emailing. Offers are sent to subscribers ONLY. The e-mail address you subscribed with is: To be removed from our list, Unsubscribe. View our Privacy Policy ISP's view our policies.
From time to time, www.garlandcashlenders.com will enter into an arrangement with a third party website to allow individuals to opt into our marketing program on those third party websites. In each case the third party websites have represented and warranted to us, among other things,
1. that the data was collected voluntarily from individuals on website registrations and co-registrations,
2. that the sellers have a right, under any applicable privacy statements, to transfer the data to us, and
3. that www.garlandcashlenders.com has the right to send marketing offers to the individuals.
We hope this information satisfies any questions or concerns you may have regarding the email practices of www.garlandcashlenders.com . If you have additional questions or wish to discuss this matter further, please contact us at Spam Alert Report.
