Privacy Policy for Residents
This policy describes the personal informationwe collect and (collectively "we," "us," or "our"), collect, use, disclose and protect that identifies, relates to, describes, is reasonably capable of being associated with or could reasonably be linked, directly or indirectly, with you or your household ("personal information"). This policy applies to personal information we collect and data we receive online and offline, such as when you apply for our products or services, use our websites or applications, contact customer support, visit our offices, or otherwise interact with us (collectively, the "Services"). "You" and "your" refer to any user or visitor who accesses or uses the Services.
The specific personal information that we collect, use and disclose relating to a resident covered by the Consumer Privacy Act of 2018, as amended from time to time (CCPA) will vary based on our relationship with you. For example, this policy does not apply with respect to personal information we collect about residents who apply for or obtain our financial products or services for personal, family or household purposes.
We may change this Privacy Policy from time to time. When we do, we will post the revised policy on this page with a new "effective date" date at the bottom of this Privacy Policy. Any changes to this Privacy Policy will become effective when posted unless indicated otherwise.
1. PERSONAL INFORMATION WE COLLECT, USE OR SHARE
In the past 12 months, we may have collected the following categories of personal Information when you engage our Services:
| Category | Required Information |
|---|---|
| Identifiers | Name, address, email address, phone number, Social Security Number, Driver's License Number and contact address, email address and phone number |
| Personal information categories listed in the Customer Records statute (Cal. Civ. Code § 1798.80(e)) | Name, address, email address, phone number and contact address, email address and phone number, Social Security Number, Driver's License Number, date of birth, credit and debit card numbers and financial information, including personal financial statements |
| Commercial Information | Commercial information, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies |
| Internet | Device ID, browsing history, search history, and information regarding your interaction with an internet website, application, or advertisement to understand our customer base, advertise to you, monitor the performance of our Services, improve the user experience, and to ensure the security of our Services |
| Geolocation | Geolocation, device location and IP address |
| Audio Visual | Video when at a ATM or Branch location, voice recording, or photograph |
| Biometrics | Fingerprints, photographs for fraud prevention |
| Work History | Work history, prior employers |
| Education Information | Institutions attended, degrees obtained, and courses taken |
| Protected Class | Race, ethnicity, national origin, gender, age, marital status, veteran or military status |
| Inferences | Inferences based on the information in categories listed above about an individual to create a summary about, for example, an individual's characteristics, such as creditworthiness |
| Sensitive Personal Information | Social Security Number, Driver's License Number, State Identification number, passport number, precise geolocation, information concerning health, debit or credit card information with codes or credentials to allow access, account log-in in combination with any required security code or password, union membership, or any information that reveals a consumer's citizenship or immigration status |
2. WHERE WE COLLECT YOUR PERSONAL INFORMATION.
We collect personal information from the following categories of sources:
- Directly from you or from someone on your behalf including others you have authorized or directed to disclose information to us;
- Public records or widely available sources, including media and other records and information made available by federal, state, or local governments;
- Service Providers and Contractors; and
- Third-party analytics or advertising partners.
3. USE OF YOUR PERSONAL INFORMATION.
We may collect and disclose your personal information for the following business or commercial purposes, including:
- To provide you with, or evaluate your eligibility for, products and services that you or your company request from us and to provide services, products or information you may have requested;
- To comply with and enforce applicable legal and regulatory requirements, relevant industry standards, contractual obligations and our company policies;
- To detect, prevent, or investigate fraud, suspicious or other illegal activities;
- To enforce our policies and terms of use;
- To protect our rights, privacy, safety or property, operations, security and/or that of our affiliates, business partners, you or others; and
- To allow us to pursue available remedies or limit the damages that we may sustain.
Note that we may aggregate data we collect on an anonymous basis that does not identify you for any purpose otherwise allowed by applicable law, such as for research, analysis, modeling, marketing, and advertising, as well as improvement of our Services.
A. Customers, Contacts, and Visitors.
In addition to the purposes described immediately above, we may also use personal information of customers, contacts and visitors to:
- Process account applications and transactions, and facilitate other customer account activities;
- Verify your identity or authenticate your device (such as when you access account information or conduct transactions), and to enhance our online security measures and prevent fraud;
- Help you efficiently access and manage your information and preferences;
- Provide you with customer support, and quality assurance of the same;
- Operate and improve our business and operations, including internal administration, auditing and troubleshooting for our Services;
- Provide personalized content and information, which could include customized services for you, or offers of various products or services that you may be interested in;
- Monitor metrics such as total number of visitors, traffic, and demographic patterns; and
- Provide, improve, test, and monitor the effectiveness of the Services, diagnose and fix technology issues, and develop and test new products and features.
B. Job Applicants.
In addition to the essential purposes described above, we may use Job Applicant information to solicit applicants for job openings and to process an application for employment submitted to us in response to a posted/open position. If hired, employees receive disclosures during and after onboarding that provide additional details regarding our workforce privacy practices.
C. Online User Activity.
We use information that we collect via cookies to further the business purposes described above. In particular, information collected via cookies is used to understand our customer base, advertise our Services to you and other prospective consumers, monitor the performance of our Services, improve the user experience, and to ensure the security of our Services.
See below in Section 5 for your choices regarding cookies.
11. YOUR RIGHTS UNDER THE CCPA.
If you are a resident, you have the right to:
- Right to Know. You have the right to request access to, and a copy of, the categories of personal information we have collected about you and information regarding the source of that personal information, the purposes for which we collect it, and the categories of third parties and service providers to whom we disclose it.
- Right to Correct. You also have the right to correct inaccurate personal information, taking into account the nature of the personal information and the purposes of the processing of the personal information.
- Right to Limit or Delete. You have the right to request in certain circumstances that we limit the use of your sensitive personal information, or delete personal information that we have collected directly from you.
- Right to Opt-out of Sale or Sharing of Personal Information. Additionally, you have the right to opt-out of the Sale or Sharing of your personal information. You can manage your data sharing preferences via the Do Not Sell or Share My Personal Information link in the website footer. Note that your selection is specific to the device, website and browser you are using, and is deleted whenever you clear your browser's cache. We do not sell or share personal information for monetary gain.
- Right to Non-Discrimination. You have the right to be free from discrimination based on your exercise of your CCPA rights.
12. EXERCISING YOUR RIGHTS UNDER THE CCPA.
Opting Out of the Selling or Sharing of Personal Information.
To opt out of the sale or sharing of your personal information, click the Do Not Sell or Share My Personal Information link in the website footer. You may choose your preference at any time by clicking on this link.
You (or an authorized agent) may submit a consumer request to know, correct, limit, or delete your personal information. To make a request, please do so by either:
- Calling us at 888.999.9170
Once you submit a request, we will verify your identity before acting on your request. If you have an account with us, we may ask you to provide personal identifiers we can match against information we may have collected from you previously, and to confirm your request using the email address or telephone number stated in the request. If you do not have an account with us, we may ask you to provide certain information, such as your first and last name, date of birth, address and the last four digits of your social security number to verify your identity.
13. CONTACT US
Please contact us about this Privacy Policy or our Services at fastpayler@gmail.com.
You may review or update certain account information and review your recent transaction history by logging in to the Services or by contacting us. You can also adjust certain profile and privacy settings in your account settings.
14. EFFECTIVE DATE
This Privacy Policy was last revised and is effective as of October 27, 2024.