Privacy Policy

Revised: June 7, 2017

This privacy policy (the "Policy") replaces any previous privacy policy delivered to you or appearing on our website, mobile phone application, any transaction agreement, application, loan document or any other document previously delivered to you. If there are conflicts between this Policy and any other policy we have delivered to you, the terms of this Policy shall control until and new revisions are made.

American Web Loan ("We", "Us" or "Our") is serious about protecting your Internet privacy. Our Privacy Policy explains our views and practices regarding privacy, and how these policies may affect you as a visitor to our website www.americanwebloan.com or our mobile phone application. American Web Loan wants you to understand what information we collect, our commitment to privacy based on such information and how we may use this information.

FACTS

WHAT DOES AMERICAN WEB LOAN 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 depend 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
  • Name, address, phone number, date of birth and email address
  • Bank Name, routing number, account type and account number

We use this information to:

  • Administer your account
  • Respond to customer service requests
  • Provide the financial services you requested
  • Respond to your questions and concerns
  • Improve our Web site and marketing efforts
  • Conduct research and analysis

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 American Web Loan chooses to share; and whether you can limit this sharing.

We will share your personal information with third parties only in the ways that are described in this privacy policy. We do not sell your personal information to third parties.

 
REASONS WE CAN SHARE YOUR PERSONAL INFORMATION DOES AMERICAN WEB LOAN SHARE? CAN YOU LIMIT THIS SHARING?
For our everyday business purposes – such as to process your transaction, maintain your account(s), respond to court orders, respond to a subpoena, similar legal process and legal investigations, when we believe in good faith that disclosure is necessary to protect our rights protect your safety or the safety of others, investigate fraud, respond to a government request, or report to credit bureaus Yes No
For our marketing purposes – to offer our products and services to you Yes Yes
For our joint marketing with other financial companies Yes Yes
For our affiliates' everyday business purposes – information about your transactions and experiences Yes Yes
For our affiliates' everyday business purposes – information about your creditworthiness Yes Yes
For our affiliates to market to you Yes Yes
For non-affiliates to market to you Yes Yes
 

TO LIMIT OUR SHARING

  • Call us at: 1 (877) 860-7171
  • Log in to your account at: www.americanwebloan.com and update your Customer Profile
  • Contact us via email: customercare@americanwebloan.com
  • Reply "STOP" or call 1 (972) 481-3506 after receiving SMS text messages from AWL
  • Follow the unsubscribe link located at the bottom of each communication

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice.

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

QUESTIONS?

Call 1 (877) 860-7171 or go to www.americanwebloan.com

 

WHO WE ARE

WHO IS PROVIDING THIS NOTICE?

American Web Loan


WHAT WE DO

HOW DOES AMERICAN WEB LOAN 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, and firewalls. Only authorized employees have access.

HOW DOES AMERICAN WEB LOAN COLLECT MY PERSONAL INFORMATION?

We collect your personal information, for example, when you:

  • Apply for a loan
  • Give us your income information
  • Provide employment information
  • Provide account information
  • Give us your contact information
  • Sending you promotional or newsletter communications
  • Send you a welcome email
  • Responding to your inquiries

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 to you the right to limit only:

  • Sharing for affiliates' everyday business purposes – information about your creditworthiness
  • Affiliates from using your information to market you
  • Sharing for nonaffiliates to market to you

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.

  • Affiliates we share with can include direct marketing companies for application resell, direct mail, and other purposes.

Non-affiliates

Financial and nonfinancial companies not related by common ownership or control.

  • Non-affiliates 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.
 

Other important information

If you no longer wish to receive promotional or newsletter communications, you may opt-out at any time by following the unsubscribe link located at the bottom of each communication or by emailing us at customercare@americanwebloan.com

If we are involved in a merger, acquisition, or sale of all or a portion of our assets, you will be notified via email and/or prominent notice on our web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.

American Web Loan may also share your name and geographic address with other reputable companies who have offers we think may interest you. These marketers may in turn contact you. These companies may offer you products and services from time to time but will allow you to opt-out at any time from future offerings. These marketing partners may contact you via written or electronic communication, to include email. If you do not wish to be contacted by these third parties, you may opt-out by emailing us at customercare@americanwebloan.com (secured to:) or by contacting that third party directly.

Service Providers

We may provide your personal information to companies that provide services to help us with our business activities ("Third Party Provider"), such as using software or services to collect and/or process data. These Third-Party Providers are authorized to use your personal information only as necessary to provide these services to us. We do not take any liability or responsibility for the privacy policy of any Third-Party Providers. Third Party Providers include, without limitation, UXCam, whose privacy policy is available at https://uxcam.com/privacy.

Links to Other Sites

This site may contain links to other sites that are not owned or controlled by us. Please be aware that we are not responsible for the privacy practices or the content of these linked sites. If you submit personal information to any of those sites, your information is governed by their privacy policies. We encourage you to be aware when you leave our site and to read the privacy policies of each and every Web site that collects personal information.

Security

American Web Loan takes every precaution to maintain the safety and integrity of your personal information. Sensitive information (such as social security number and banking information) transmitted between your browser and our web site will use 128 bit Secure Socket Layer (SSL) encryption technology. Additionally, we will only release information about you and your account in accordance with our Privacy Policy. A personal username and password is required to access and use your account.

The security of your personal information is important to us. We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security.

Google Analytics

We use Google Analytics, a web analytics service provided by Google, Inc. ("Google") to collect certain information relating to your use of the Website. Google Analytics uses "cookies", which are text files placed on your computer, to help the Website analyze how users use the site. You can find out more about how Google uses data when you visit our Website by visiting "How Google uses data when you use our partners' sites or apps", (located at www.google.com/policies/privacy/partners/). We may also use Google Analytics Advertising Features to provide you with interest-based advertising based on your online activity. For more information regarding Google Analytics please visit Google's website, and pages that describe Google Analytics, such as www.google.com/analytics/learn/privacy.html. To learn more about interest-based advertisements and your opt-out rights and options, visit the Digital Advertising Alliance and the Network Advertising Initiative websites (www.aboutads.info and www.networkadvertising.org), or by clicking the "ad choices" icon by the advertisement and selecting what types of advertisement you wish to opt out of. Please note that if you choose to opt out, you may continue to see ads on our Website, but they will not be based on how you browse and shop.

Cookies and Other Tracking Technologies

A cookie is a small text file that is stored on a user's computer for record-keeping purposes. We use cookies on this site. We do not link the information we store in cookies to any personal information you submit while on our site.

We use session ID cookies and persistent cookies. We use session cookies to make it easier for you to navigate our site. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. You can remove persistent cookies by following directions provided in your Internet browser's "help" file.

We set a persistent cookie to store your passwords, so you don't have to enter it more than once. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site. If you choose to not have your browser accept cookies from the American Web Loan website, you will not be able to subscribe to the service offerings on the American Web Loan website.

The use of cookies, tags and scripts by third parties such as partners, affiliates, or analytics or service providers is not covered by our privacy policy. These technologies are used in analyzing trends, administering the site, tracking users' movements around the site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis. We do not have access or control over these cookies. You can opt-out from third parties' use of cookies by visiting each third parties' advertising opt-out page or by utilizing "do not track" functionality in your web browser.

Log files

As is true of most web sites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data.

We do not link this automatically collected data to other information we collect about you. We do this to improve services we offer you.

HTML5

We use Local Storage, such as HTML5, to store content information and preferences. Various browsers may offer their own management tools for removing HTML5.

Facebook Connect or Other OpenID Provider

You can log in to our site using sign-in services such as Facebook Connect or an Open ID provider. These services will authenticate your identity and provide you the option to share certain personal information with us such as your name and email address to pre-populate our sign up form. Services like Facebook Connect give you the option to post information about your activities on this Web site to your profile page to share with others within your network.

Social Media Widgets

Our Web site includes Social Media Features, such as the Facebook button [and Widgets, such as the Share this button or interactive mini-programs that run on our site]. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it.

Access to Personal Information

If your personal information changes, or if you no longer desire our service, you may correct, delete inaccuracies, or amend it by making the change within my account section of our site or by emailing us at moc.naolbewnacirema@eracremotsuc. We will respond to your access request within 30 days.

We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services contact us at moc.naolbewnacirema@eracremotsuc. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Changes to this Policy

We may update this privacy policy to reflect changes to our information practices. If we make any material changes we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

Collection and use of Bank Information

If we extend credit to a consumer, we will consider the bank account information provided by the consumer as eligible for us to process payments against. In addition, as part of our information collection process, we may detect additional bank accounts under the ownership of the consumer. We will consider these additional accounts to be part of the application process.

Contact Us

If you have any questions or suggestions regarding our privacy policy, please contact us:

American Web Loan
2128 N. 14th St.
Suite 1 #130
Ponca City, OK 74601

customercare@americanwebloan.com

(877) 860-7171