Our Company
At CITY CASH ONLY, LLC, we understand the importance of your privacy. To protect your information, we have implemented measures to ensure that any personal data we collect from you is processed and maintained in accordance with relevant data protection laws and good data handling practices. This Privacy Policy details the types of information we collect, how we use and protect it, and your rights regarding your personal data.
Why We Communicate with You
We, along with our network of lenders and credit brokers, may periodically update you on your loan application process. Unless you specify otherwise, we may contact you via telephone, SMS, email, and/or automated messages.
Lawful Basis for Collecting Your Personal Data
Our use of your personal data is based on various lawful grounds:
- Consent: By submitting your loan application on CityCashOnly.com, you consent to be contacted by Fininity Ltd and our network of Loan Providers or Credit Brokers regarding your application. You may withdraw your consent at any time by clicking “Unsubscribe” in any marketing communication or by emailing our Data Protection Officer at admin@citycashonly.com.
- Contract: We process your personal data to fulfill our obligations and provide you with a loan quote. Our panel of loan providers and/or credit brokers will use your data to provide you with information regarding your loan application.
- Legitimate Interest: We have a legitimate interest in processing your data to share your application with our network of loan providers and/or credit brokers to obtain the loan quote you requested.
How We Communicate with You
We may contact you by telephone, SMS, email, and/or automated messages to provide updates, alerts, and information regarding your loan application and services. Third parties may also provide us with your personal data to offer products to potential customers. We check and verify the accuracy of any third-party information we receive.
Push Notifications
If you opt-in, we may send push notifications to your mobile device or web browser, which may include marketing messages from us or third parties. You can adjust your push notification settings in your device or browser settings.
Updating Personal Information
You are responsible for keeping your personal information up-to-date. Contact us promptly if you need to update or correct your information.
Collecting Your Personal Information
While you can browse our website without providing personal data, to secure a loan offer, we may collect the following information:
- Name
- Address
- Residential status
- Birthdate
- Email address
- Phone number
- Income
- Bank account details
- IP Address
- Website activity
If you contact us or send an email to admin@citycashonly.com, we may also collect relevant personal information to respond to your inquiry.
What Information We Collect
When you apply for a loan, we collect personal data to provide you with loan quotes. We may also store information about your use of our website, including pages viewed, referring websites, and details of your applications. We use this information to improve your user experience and ensure accuracy.
Data Security
We prioritize the security of your information. While we strive to protect your data, we cannot guarantee complete security. You use our website at your own risk, and we are not liable for any security breaches.
Using Your Personal Information
We may use your personal information to:
- Provide access to and use of our services
- Improve and customize our services
- Conduct market research
- Contact you about additional services or products
- Send loan quotes and confirmation emails
- Process applications between you and third parties
- Track sales and validate data
- Send customer feedback surveys
- Share data with third parties for marketing purposes
Sharing Your Personal Information
By submitting a loan application, you consent to the disclosure of your personal information to:
- CityCashOnly.com and Fininity Ltd for contacting you and improving your user experience
- Lenders and Credit Brokers
We may also disclose your information if required by law or in connection with legal proceedings or business transactions.
Third-Party Sharing of Your Personal Information
Our panel providers may use your information to assess your application and perform necessary checks. They may verify your data with fraud prevention and credit reference agencies. Your credit report may reflect these checks. We advise you to review the privacy policies of any third-party providers before entering into any agreement with them.
Your Rights and Freedoms
Under applicable data protection laws, you have the following rights:
- Right to be Informed: This Privacy Policy provides transparency about how we handle your data.
- Right of Access: You can request copies of your personal data. We will respond within 30 days, with possible extensions for complex requests.
- Right to Rectification: You can request corrections to inaccurate data, which we will update within 72 hours.
- Right to Restriction of Processing: We will restrict processing while you contest data accuracy or the legal basis for processing.
- Right to Object: You can object to processing, particularly for direct marketing, which we will address within 48 hours.
- Right to Erasure: You can request deletion of your data, which we will honor within 72 hours, except for data required for legal reasons.
- Right to Data Portability: You can request your data in a structured format and transfer it to another controller within 72 hours.
- Rights in Relation to Automated Decision Making and Profiling: You can challenge automated decisions and request human intervention.
For any rights-related requests, please contact us for verification and processing.
Retaining Your Personal Data
The duration we retain your data depends on its purpose. We retain marketing preferences to respect your choices, and loan application information for a minimum of 6 years for future reference and complaints.
Opting-Out of Contact
You can opt-out of marketing communications at any time by using the unsubscribe link in our messages. Please allow up to 48 hours for processing.
Removing Your Personal Information
To assert your right to be forgotten and request the removal of your personal information, email admin@citycashonly.com. We will notify our marketing partners of your request.
Complaints
We aim to provide satisfactory service. For formal complaints, please email admin@citycashonly.com.