Privacy PolicyBest Cash Advance® Privacy PolicyAt Best Cash Advance®, your privacy is our priority. Our policy is simple:
The only exception to this is that we will reveal information about non-payment to several credit reporting agencies, but only if you do not pay according to the loan terms to which you and we have agreed. Details of our approach to privacy and how your personal information is collected and used are set forth in the Best Cash Advance® Privacy Policy that follows. Throughout the policy, we refer to information that personally identifies you or your accounts as "personal information." 1. We do not sell your personal information to anyone. 2. The law allows you to "opt out" of only certain kinds of information sharing with third parties. Best Cash Advance® does not share personal information about you with any third parties. This means YOU ARE ALREADY OPTED OUT. Best Cash Advance® only shares personal information with third parties in the following limited circumstances:
3. We collect personal information in the normal course of business in order to administer your account and serve you better.
4. We use your personal information to help us deliver the best possible service to you.
5. We protect the confidentiality and security of your personal information.
6. We continue to evaluate our efforts to protect personal information and make every effort to keep your personal information accurate and up to date.
We will provide notice of changes in our information-sharing practices. If, at any time in the future, it is necessary to disclose any of your personal information in a way that is inconsistent with this policy, we will give you advance notice of the proposed change so that you will have the opportunity to opt-out of such disclosure.
Additional Information About Privacy and Security at Best Cash Advance®Just click on a topic below to get more information about privacy and security at Best Cash Advance®.
The Best Cash Advance® Customer Center The Customer Center is the area of our Web Site available only to current or former customers. The Customer Center provides a private and secure Web environment to make loan requests, enter payment arrangements, and access account information. Logging-in to the Customer Center requires an account number (your Social Security number) and a PIN number that you select at the time you first apply. The Customer Center uses leading encryption technology so that the data we transmit to you and the data you transmit to us across the Internet is safe. Secure data includes account information and loan information. 
Browsers and Internet Security Any time you enter a transaction or provide personal information in our Customer Center (such as an account number or PIN #), we encrypt it using Secure Socket Layer (SSL) technology. SSL protects information as it crosses the Internet. To support this technology, you need an SSL-capable browser. Best Cash Advance® recommends using a strong encryption, 128-bit browser like Netscape Navigator 4.06 or higher or Microsoft's Internet Explorer 4.01 or higher. These browsers will activate SSL automatically whenever you sign on to your Best Cash Advance® account. You can tell if you are visiting a secure area within a Web site by looking at the symbol on the bottom of your browser screen. If you are using Netscape Navigator or Internet Explorer, you will see either a lock or a key. When the symbol appears unbroken or the padlock is in the locked position, your session connection is taking place via a secure server. If you need a strong encryption browser, you can go to the Netscape Web site or the Microsoft Web site to download the latest Navigator or Internet Explorer browser. We do not recommend the use of beta browser versions.
Your Password and Other Security Issues Your Best Cash Advance® PIN # is your private entry key into your account. You should never share it with anyone. If you need to change it, use the email in our "Contact Us" menu and ask us to give you a call. We will change it after speaking with you and verifying your identity Our password requirements, which facilitate online account security, are as follows: Your password must be 4-20 characters long. It also must
Examples of valid passwords: If you forget your PIN # it can be emailed to you by making a request on the log-on screen in our on-line Customer Center.
After you've finished accessing your Best Cash Advance® account, don't forget to log off. This prevents someone else from accessing your account if you leave your computer and your session hasn't "timed out," or automatically shut down. Security Risk of Using Non-Approved Automated Software Applications For security reasons and to guard the safety of your data, access to this site is limited to SSL-capable browsers like Netscape Navigator 4.06 or higher or Microsoft's Internet Explorer 4.01 or higher. Under no circumstances should you use any software, program, application, or any other device to access or log-in to the Best Cash Advance® Web site, or to automate the process of obtaining, downloading, transferring, or transmitting any content to or from Best Cash Advance®'s computer systems, Web site, or proprietary software.
Cookies, GIFs and Other Web Tools When you interact with Best Cash Advance® online, such as our Web site or through email, we strive to make that experience easy and meaningful. To do so, we use several tools. When you come to our Web site, our Web server sends a cookie to your computer. A cookie is simply an electronically transmitted file that holds small pieces of information. When you navigate through our Web site, your browser "requests" pages for you to view, and that request will include the information stored in the cookie we previously sent to your computer. This process is like an electronic "handshake" between Best Cash Advance®'s system and your computer; the information exchanged allows us to recognize your browser. For example, if you go to our site we ask you to read and accept the Master Loan Agreement. Once you click and confirm that you've read and accept it, we reflect that fact in a cookie, so if you visit us again with the same browser we won't ask you to read it again unless it has changed. Best Cash Advance® also may use other technology, such as "Graphics Interchange Format" files (GIFs) to recognize users and collect and transmit information online, as described below. Cookies and Personal Identification. Standing alone, cookies, GIFs and other Web tools, as well as data derived from them, do not identify you personally. They merely recognize your browser. Unless you choose to identify yourself to Best Cash Advance®, either by applying for a loan or making a payment arrangement, you remain anonymous to Best Cash Advance®. "Persistent Cookies." Cookies come in two flavors: persistent and session-based. Only persistent cookies remain on your computer after you've closed your browser or turned off your computer. They include such information as a unique identifier for your browser that only Best Cash Advance® can read and use, and the fact that you are a Best Cash Advance® customer or prior Best Cash Advance® Web site visitor (whatever the case may be). We are especially careful about the security and confidentiality of the information we send through persistent cookies. For example, we do not store account numbers or passwords in persistent cookies. "Session Cookies." Session cookies exist only during an online session with Best Cash Advance®. They disappear from your computer when you close your browser software or turn off your computer. Session cookies allow you to conduct transactions or request your own personal or account information on our Web site. They contain encrypted or encoded information about your account(s), and/or identifying information that you have previously provided to us. This information allows Best Cash Advance® to process your online transactions and requests. Examples include a request to see your account balance or to request a new loan. Without the session cookie information, we would not be able to complete your Web transactions securely. Session cookies help us make sure you are who you say you are after you've logged in. "Graphics Interchange Format." On our Web sites, including Best Cash Advance® pages hosted by our agents, and in emails we sometimes include a GIF. On the Web, they allow us to keep your session active while you may be performing another task. In this way, you will not have to log in again when you return to the Customer Center. In an email message, we may embed a GIF in the message that allows us, for example, to determine if your email reader is HTML capable or how fast your connection to the Internet is. This allows us to deliver content in a format most appropriate to your computer's capabilities. "Other Web Tools." Sometimes we include links to Web pages in an email or in banner advertisements which include a code that allows us to know if you clicked on that link. We do this so that we can personalize your experience, such as recognizing you when you reach the Web page you clicked to, or by displaying information and content we believe will be relevant to you. We also do this to measure the effectiveness and usefulness of our advertisements and the messages we send, and we use this information to continually improve the way we communicate. Other Ways Best Cash Advance® Uses Information Obtained From Cookies and GIFs. Cookies enable us to understand better how you and others use Best Cash Advance®'s online services. They allow us to collect information about where your browser goes on our Web sites. This assists us in understanding your preferences and improving our Web site. For example, the information we obtain from cookies or GIFs helps us understand whether our customers use certain Web features and how to improve navigation. We also may use information gathered as the result of GIFs or cookies to target emails or Web messages to groups of customers based on the parts of our Web site they visit the most. Knowing where your browser has been on our Web site helps us present useful information and offers to you. We do not sell this or any other information about you to other Web sites, merchants or financial institutions. Unless you have affirmatively consented, we do not provide any personally identifiable information about you to anyone else for their marketing purposes.
E-mail Communications and Opting Out E-mail is an important communication channel between Best Cash Advance® and its customers. Best Cash Advance® also uses e-mail to communicate with prospective customers. Our reminder and information services are delivered to our customers via e-mail from outside our Customer Center. You will receive these via unencrypted e-mail. As stated in your account agreement, we reserve the right to contact you with important information relating to your account. We may also use your e-mail address to send you information about services and products we believe may be of interest to you. If you are a customer and do not want to receive e-mail related to services and products other than your account with us, simply log into the BestCashAdvance web site and send us an e-mail with your request. If you are a customer or a prospective customer and receive an e-mail from Best Cash Advance® about a product or service, you may unsubscribe to future e-mails about that product or service by following the instructions in the e-mail message.
Potential customers applying online at Best Cash Advance® for a Best Cash Advance® account have the ability to opt out of the application process before completing it. However, we may use the information gathered on the application form during this process to send you further information about Best Cash Advance® services and products we believe may be of interest to you.
Correcting and Updating Your Information The accuracy of your personal information is important to us. If you are a customer and have a concern about your personal or account information maintained at Best Cash Advance®, or want to correct, update, or confirm your information, please login to the Customer Center and send us an e-mail from the "Contact Us" section of our web site. Customers and others may also send an e-mail to help@bestcashadvance.com or call us at 888-688-9300. We will be happy to review and update our records.
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Best Cash Advance®, is registered in the State of Utah. All transactions are considered to take place in Utah, and are governed by Utah law regardless of where you may be viewing or accessing this site. |
