Privacy Policy - Kener Lending

FX Quick Cash, LLC DBA Kener Lending (the “CSO”), and its affiliates (collectively the “CSO Companies”) have a privacy policy for consumers. The policy applies to all nonpublic personal information about a consumer that is obtained by the CSO Companies in connection with providing a consumer a financial product or service for personal, family, or household purposes. The policy covers all nonpublic personal information collected by the CSO Companies and applies during the course of the customer relationship and after the relationship has ended.

The CSO Companies depend on a variety of sources of information to provide efficient and appropriate levels of service. They get and store nonpublic personal information from: (1) the initial contact with a consumer, where nonpublic personal information is provided on consumer applications and account set-up screens. This information may include consumer’s name, address, phone number and other information provided to us; (2) consumer transaction activity, including frequency of transactions and payments, most recent transaction, phone requests, services purchased and other information; and (3) consumer reporting agencies.

The CSO Companies have systems that provide secure retention of all consumer records. They protect the security and privacy of all nonpublic personal information by restricting access and following security standards and procedures to protect against unauthorized use.

The CSO Companies do not disclose any nonpublic personal information about consumers to any company that does not have a marketing agreement with them or is not the CSO or parent(s), subsidiaries or affiliates thereof, except as permitted or required by law. CSO Companies may disclose nonpublic personal information, as described above, to companies or financial institutions with which they have joint marketing agreements or have been hired by them to perform marketing services. Of necessity, the CSO Companies will share nonpublic information with any THIRD (3rd) party that provides services necessary to the transaction you have entered into and the auditing, legal review, servicing, funding or collection relating thereto.

FACTS

WHAT DOES Kener Lending DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depends on the product or service you have with us. This information can include:

Social Security number and income
Account balances and payment history
Credit history and credit scores.
Information obtained from Web page http headers (home server domain names, IP address, type of client computer, and type of Web browser);
Information, user specific or aggregate, we receive from our web pages recording visitor’s access;
Information you provide when you contact our customer service department; and
Information you provide to us when you communicate with us via email.
Certain information from users' browsers using small text files called "cookies".
Information from your Facebook account (if you signed in with Facebook).
Geo-location information, and the existence of third-party applications on your device, as well as when they are used and duration of such use.

Kener Lending may collect additional information in other ways not specifically described here.

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Kener Lending chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Kener Lending share?

Can you limit this sharing?

For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

For our marketing purposes – to offer our products and services to you

Yes

For joint marketing with other financial companies

Yes

For our affiliates’ everyday business purposes – information about your transactions and experiences

Yes

For our affiliates everyday business purposes – information about your creditworthiness

Yes

For our affiliates to market to you

Yes

For nonaffiliates to market to you

Yes

To limit our sharing

Call 855-840-5690– our menu will prompt you through your choice(s); or
Email privacy@kenerlending.com

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Call 855-840-5690, or email privacy@kenerlending.com

What we do
How does Kener Lending protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain physical, electronic and procedural safeguards i.e. computer virus protection software, firewalls, 128 bit Secure Socket Layer. Only authorized employees have access.
How does Kener Lending collect my personal information?	We collect your personal information, for example, when you Use of our website or mobile app Apply for a loan Give us your income information Provide employment information Provide account information Give us your contact information We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only Sharing for affiliates’ everyday business purposes-information about your creditworthiness Affiliates from using your information to market to you Sharing for nonaffiliates to market to you. State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account
Definitions
Affiliates	Financial and nonfinancial companies related by common ownership or control. Our affiliates include companies with a common corporate identity of FX Quick Cash, LLC DBA Kener Lending
Nonaffiliates	Financial and nonfinancial companies not related by common ownership or control. Nonaffiliates we share with can include direct marketing companies for application resell, direct mail and other purposes.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include financial institutions, credit card companies, partners that promote our products, pre-paid debit card providers and other lending companies.

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