(Effective Date: July 11, 2016)
Lucky 13 Fast Cash will collect the following kinds of nonpublic personal information about you during the Pawn application process:
Information we receive from you on applications or other forms, such as your name, date of birth, contact information, income and obligations;
Information we receive from you about your transactions with us, our affiliates, or others, such as prior loans, terms, payoffs, and payment history;
Information we receive from consumer reporting agencies, such as your credit history and credit worthiness; and
Information we receive as a result of verifying your information with non-affiliated third parties, such as employment history and loan balances.
Lucky 13 Fast Cash only shares your information with third-party vendors who have been carefully selected for the purpose of verifying your identity, evaluating your application, and servicing your pawn and who agree to maintain the privacy of your non-public information. These third-parties may include credit bureaus, identity verification services, and mail houses.
Lucky 13 Fast Cash may via "session cookies" on its website use additional information to enhance the delivery of products, services, and information. A cookie is a small file that Lucky 13 Fast Cash transfers to customers' computer hard drives. Cookies also enable Lucky 13 Fast Cash to ensure that only a customer's web browser may exchange information regarding a customer's account with Lucky 13 Fast Cash’s servers. Session cookies are temporary files that are erased when customers close all web browsers. Lucky 13 Fast Cash does not use "persistent" cookies. These cookies do not contain any personally identifiable information. Lucky 13 Fast Cash’s use of session cookies enables Lucky 13 Fast Cash’s website customers to avoid the problem of being asked to provide the same information repeatedly while customers move from page to page on Lucky 13 Fast Cash’s website; Cookies are required to operate the My Accounts feature. You can have your Web browser disable "cookies." If you turn off "cookies," it is not possible for us to offer you the My Accounts service. My Accounts provides online access to consolidated information about all of your accounts with Lucky 13 Fast Cash. In addition, Lucky 13 Fast Cash may track the aggregate number of e-mails from us that you read and whether any of the links in the e-mails were accessed.
Do Not Track:
No Information Sharing Policy:
We do not disclose any nonpublic personal information that we collect about our customers or former customers, as described above, to anyone, except as permitted by law.
Lucky 13 Fast Cash’s Security Policy:
Securing of a customers' nonpublic personal information is very important to Lucky 13 Fast Cash and our employees must sign a privacy pledge acknowledging that that they are aware of Lucky 13 Fast Cash’s policy regarding the use of and disclosure of customer information. Furthermore, Lucky 13 Fast Cash has implemented various security measures to protect our customers' personal information from loss, misuse, or alteration. When customers send their personal identifying information to Lucky 13 Fast Cash via Lucky 13 Fast Cash’s website, Lucky 13 Fast Cash requires that a secure session be established first, using Secure Socket Layer (SSL) technology supporting up to 128-bit encryption to prevent unauthorized persons from viewing any private information being transmitted during your application process. Information transmitted between the Lucky 13 Fast Cash server and your computer must be sent only while in a secure mode or Lucky 13 Fast Cash will have no responsibility for any loss or exposure of personally identifying information to unauthorized third parties during a secure SSL session, data passed between the customer's computer and Lucky 13 Fast Cash’s servers are secured through the use of public key cryptography. The customer's computer exchanges key information with Lucky 13 Fast Cash’s servers to create a private conversation that only the customer's computer and Lucky 13 Fast Cash’s servers may understand. To benefit from SSL protection, customers must use a browser with SSL capabilities. This method of information transfer will apply when the customer is entering in personal information, execution of and submittal of the online promissory note, for validation and verification purposes during your communications through our server and processing systems.
While using Lucky 13 Fast Cash’s website, customers will be notified upon entering and leaving a secured session, unless the setting is turned off on the customers' browser. After leaving a secured session, information transmitted to Lucky 13 Fast Cash will not be secure. For security purposes, Lucky 13 Fast Cash uses special software programs to monitor web site traffic and to identify unauthorized attempts to upload or change information or otherwise to cause damage to Lucky 13 Fast Cash’s websites. These programs do not collect personally identifying information about customers but do enable Lucky 13 Fast Cash to collect information allowing Lucky 13 Fast Cash to identify website users attempting to tamper with Lucky 13 Fast Cash’s websites. Lucky 13 Fast Cash has policies in place against the misuse, misappropriation, unauthorized access, tampering, damage, destruction, or unlawful utilization of Lucky 13 Fast Cash’s websites and computer systems and will seek the maximum enforcement of state, federal, and international criminal and civil laws against any individual engaging in such activity. Please note that when customers send electronic mail messages (e-mail) to Lucky 13 Fast Cash, the customers' messages will contain the customers' return e-mail address. Thus, Lucky 13 Fast Cash may utilize customers' e-mail addresses in responding to customer inquiries and the content of customers' e-mail in formulating a response. Lucky 13 Fast Cash will permanently record and store any substantive e-mail received from its customers. Customer e-mail sent to Lucky 13 Fast Cash is not necessarily secure against interception. Do not initiate communication with Lucky 13 Fast Cash by email if your communication will include nonpublic personal information like your Social Security Number, bank account number, or other personally identifying information that you wish to protect. Although Lucky 13 Fast Cash strives to protect and secure information submitted to it over the internet, your use of this website is strictly at your own risk. Lucky 13 Fast Cash makes no representations that it can guarantee the security of any information sent by the users of this website during an unsecured session. Lucky 13 Fast Cash protects the security of its servers but cannot be responsible for any virus, spy ware, ad ware, malicious codes and /or hacker activity that may result in damage to your computer or theft of your identifying information.
Additional Security Feature of Shared Secrets:
Shared secrets are a security method for accessing confidential information. A shared secret is something known only to the user and the holder of the confidential information. Shared secrets usually consist of a user ID and password. These shared secrets allow the user to log into the site of the holder of confidential information such as a Credit Card issuer or financial institution. Shared secrets are necessary for a safe and dependable online authentication procedure. In order to minimize potential compromise of your shared secrets, you should create passwords that are a combination of both letters and numbers.
Information Retention Policy:
Lucky 13 Fast Cash will maintain electronic and hardcopy Pawn application information for funded/closed/withdrawn and declined Pawns for a period of years in accordance with all mandated federal and State Laws. If you would like to receive copies of any such information, you must notify Lucky 13 Fast Cash in writing with your request so that the proper authentication and forwarding information can be verified. If you wish to update or change information that Lucky 13 Fast Cash maintains about you, please write to us at Lucky 13 Fast Cash, 12 Cobb Parkway, S., Suite A, Marietta, Georgia 30060 and indicate your updates and changes. Please include your Pawn number, name, and the email address or telephone number where you may be reached.