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Privacy Policy

ONLINE PRIVACY AND SECURITY NOTICE

This Online Privacy and Security Notice (“Notice”) applies to your interaction with NHCash.com, LLC or any of its subsidiaries or affiliates under common control (collectively, “NHC” “we,” “us,” “our”) at any online or mobile site or application that we own and control (“Site”). All financial companies need to share customers’ personal information to run their everyday business. For more information on what information NHC shares and whether you can limit this sharing, please see our Consumer Privacy Statement.  This Notice describes how our Site may collect, use and share information from or about you and explains how information may be collected and used based on online interactions with our Sites. By using this Site, you agree to this Online Privacy and Security Notice. If you do not agree to this Notice, please exit this site immediately.  

Gathering, Using and Sharing Information

You may interact with us in a variety of ways online, including through a mobile device. We may offer Sites that permit browsing and do not require registration. We also offer the ability to access your account online.

Categories of Information We Collect.

We collect information that you provide directly to us (for example, by filling out a form, application, or other online field); from third parties (such as your IP address or device identifiers, consumer reporting information, and geolocation data); as well as information that we generate when you use our services. We may collect personally identifiable information, which is information that may be used to identify you. NHC will collect, use and share any personally identifiable information supplied through our Site in accordance with our Consumer Privacy Statement.
We also collect additional information that does not reveal your specific identity nor directly relate to an individual. The types of information we collect include: Your name, postal or email addresses, date of birth, telephone, fax or mobile numbers, social security number and documents that verify your identity such as a driver’s license or passport.
Information we receive from a credit reporting agency such as your credit history or credit scores.
Information from your bank including financial account data such as account numbers, institution name, account type, account ownership, routing number, user name and password (or other account credentials), loan and account balances.
Information from employers or other third parties to verify information you have provided to us and to mitigate risk. information collected through cookies, pixel tags and other technologies, demographic information, other information provided by you such as your date of birth or household income, data provided to us about you from data aggregators and/or intel providers, and aggregated and de-identified data.

How We Use the Information that We Collect

To provide customers with the products and services offered through the Site.
To provide customer support.
To obtain financial information on your behalf to process an application,
process recurring transactions, and determine your financial wellbeing.
In order to do this, we may use a third party, such as Plaid, which helps to enable payments and service your account. Plaid’s privacy policy is available here,
https://plaid.com/legal , and governs any information that is accessed, shared or collected by that third-party with your consent.
To provide information to third-parties that may have products and services that are available to you.

How We Use Cookies and Other Tracking Technologies to Collect Information

: We and our third-party service providers may collect Information in a variety of ways, including:

  • Through your browser: Certain information is collected by most browsers, such as your Media Access Control (MAC) address, device type, screen resolution, operating system version and internet browser type and version. We use this information to ensure our Sites functions properly, for fraud detection purposes, for assessing your eligibility for certain products or services if applicable, and for other purposes.
  • Using cookies: Cookies are pieces of information stored directly on the device you are using. Browser cookies are assigned by a web server to the browser on your device. When you return to a site you have visited before, your browser gives this data back to the server. Mobile applications may also use cookies.

Cookies allow us to collect information such as browser type, time spent on the Site, pages visited, language preferences, and other information about your engagement with us. We use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize/customize your experience while visiting this Site, and to recognize your device to allow your use of certain online products and services. We collect statistical information about the usage of the Site in order to continually improve the design and functionality, to monitor responses to our advertisements and content, to understand how account holders and visitors use the Sites and to assist us with resolving questions regarding our Sites. We also utilize cookies for online advertising purposes. The use of cookies and similar technologies is a common internet practice.

You can refuse to accept these cookies. Most devices and browsers offer their own privacy settings for cookies.  You will need to manage your cookie settings for each device and browser you use. However, if you do not accept these cookies, you may experience some inconvenience in your use of the Site and some online products and services.

  • Using pixel tags, web beacons, clear GIFs or other technologies: These may be used in connection with some Site pages, downloadable mobile applications and HTML-formatted email messages to measure the effectiveness of our communications, the success of our marketing campaigns, compile statistics about usage and response rates, and to assist us in resolving account holders’ questions regarding use of our Sites. 
  • Flash objects: As part of our solutions for online authentication, we use Flash objects (sometimes referred to as “Local Shared Objects”) to help us recognize you and your device when you come back to the Site. We use Flash objects to determine your browser type and version of Adobe® Flash® in order for you to view certain content on our Website. We never store Personal Information in these Flash object files unless encrypted. Deleting cookies does not delete Flash objects. If you choose to disable Flash objects from our Website, then you may not be able to access and use all or part of this Website or benefit from the information and services offered.
  • IP Address: Your IP Address is a number that is automatically assigned to the device that you are using by your Internet Service Provider (ISP). An IP Address is identified and logged automatically in our server log files whenever a user visits this Website, along with the time of the visit and the page(s) that were visited. Collecting IP Addresses is standard practice on the internet and is done automatically by many web sites. We use IP Addresses for purposes such as calculating Site usage levels, helping diagnose server problems, for fraud detection purposes, for determining your eligibility for certain products or services where applicable, and for other compliance, security, and administrative purposes.
  • Aggregated and De-identified Data: Aggregated and De-Identified Data is data that we may create or compile from various sources, including but not limited to accounts, transactions with us, and other information provided to us by data aggregators or intel providers.  This information, which does not identify individual account holders, is used for our business purposes, which may include offering products or services, research, marketing or analyzing market trends, and other purposes consistent with applicable laws.

Sharing. We may share information with service providers with whom we work, such as data processors, identity verification services, companies that help us market products and services to you, or companies that may market other products and services to you. Please see our  Consumer Privacy Statement for more information about how we share personal information, as well as your applicable opt-out rights.

Affiliates. We may share information about you with any NHC affiliates, subsidiaries, or any other entities under common control.

Network Partners. When you submit an inquiry, form, application, or use another service provided through the Site, you may direct NHC to share information, including financial information, about you with non-affiliate network partners that may be able to provide you with products or services that may be available to you. These may include lenders, lead aggregators, lead generation providers, financial institutions, nonbank financial institutions, and/or other third parties in our network that deliver products and services that are relevant to you (collectively, “Network Partners”).

NHC does not guarantee that a Network Partner will make a good or
service available to you credit offer nor does it guarantee the loan or repayment terms
of any offers made. NHC will reasonably obtain confidentiality agreements related to
the information disclosed and obtain assurance that the recipient employs reasonable technological and cybersecurity measures. If you elect to obtain an account with or through a Network Partner and/or provide further information to complete a credit transaction, that sharing will be governed by the respective Network Partner’s privacy and information sharing practices set forth in their privacy policies. If you ultimately use a good or service by the respective Network Partner, that transaction and any terms or
conditions thereto will not relate in any way to your engagement with NHC, under this Online Privacy and Security Notice, or under any other agreement, notice, or obligations created between you and NHC.

Pursuant to the contracts between NHC and its Network Partners, we may also receive information about you from that Network Partner including, but not limited to, the amount or disposition of any goods or services provided. However, NHC will not be the servicer or originator of the loan taken with the Network Partner. NHC and its Network Partners may exchange information about you, your loan terms, and your accounts for any lawful purpose including for the purpose of providing you with information about additional financial services and products. NHC may maintain this information to assist with litigation, regulatory request(s), law enforcement requests, internal analytics, marketing purposes, and any other legally permissible purpose.

Other Business Partners. We also may share information about you with other business partners who offer products and services that we believe you may be interested in. Their privacy and information sharing practices are set forth in their respective privacy policies.

NHC Service Providers. We may share information with service providers and/or vendors that perform certain services on our behalf including, but not limited to, credit bureaus, fraud and intel providers, providers of other consumer reports, debt collection agencies and/or agents collecting on our behalf, servicing agencies, phone/wireless carriers, marketing partners, or entities providing business analysis and/or Site or product support.

Other Situations. We may also disclose information about you or provided by you at our sole discretion:

  1. In response to a subpoena or similar investigative demand, a court order, a request for cooperation from a law enforcement agency, self-regulatory body, or other governmental agency; to establish or exercise our legal rights; to defend against legal claims; or as we reasonably believe is required by law. In such cases, we may raise or waive any legal objection or right available to us.
  2. When we believe disclosure is appropriate in order to investigate, prevent, or take action regarding actual or suspected illegal activity or other wrongdoing; to protect and defend the rights, property, or safety of the NHC’s business, our users, our employees, or others; or to enforce our Site’s terms and conditions or other agreements or policies.
  3. In connection with a substantial corporate transaction involving the NHC business, such as a sale of NHC or any entity, brand or division thereof, a divestiture, merger, consolidation, asset sale, or bankruptcy.
  4. In connection with state and/or federal licensing requirements regarding the reporting of information contained in the loan inquiries we receive from you. You authorize NHC to obtain any and all required information from the entities with whom you have interacted with in connection with NHC in order for us to comply with current laws and regulations as well as with any requests from state or federal regulators. This information could include, but is not necessarily limited to, the loan you selected and the terms of the loan you selected.
  5. To debt collection agencies that purchase your loan account after it has been charged off.
  6. We may share information with third parties that is not personally identifying,
    such as aggregated or anonymized data, in our discretion, where not prohibited
    by law..

Marketing Disclosure. Please note that we may be compensated for information that we share about you (with your consent) or when you choose to click a link or use a service provided by a third-party detailed herein. You are not obligated to click on any link or buy any products or participate in any services advertised. Any references to third-party rates, product details, product availability, service details, service availability, and any other information related to third-party offers is subject to change without notice. 

No Liability. Our Site may contain links to affiliate and other websites. NHC does not claim nor accept responsibility for any privacy policies, practices and/or procedures of other such websites. Therefore, we encourage all users and visitors to be aware when they leave our website and to read the privacy statements of each and every website that collects personally identifiable or other information. This Online Privacy and Security Notice applies only and solely to the information collected by our Site.

Our Commitment to Children’s Privacy. Protecting the privacy of the very young is especially important. For that reason, we never knowingly collect or maintain information at our website from those under the age of thirteen (13). Visit the Federal Trade Commission website for more information about the Children’s Online Privacy Protection Act (COPPA).

Security

You can feel safe with NHC. We use industry standard Secure Socket Layer software (SSL) to encrypt your personal information during the application process. All application forms you submit to us are transmitted via SSL with a minimum of 128-bit encryption. The online forms you submit to us containing personal information are transmitted securely via XML stream once you hit the submit button. In order to provide operational simplicity, we offer a completely secure website and secure data transmittal and storage. Your application data is hosted on a secure server with secure redundancy. Your personal information that interfaces with our third-party database and electronic funds transfer process are formatted between secure servers. Your files with us are stored on a secure server and only accessed by us within secure online sessions. You also have a significant role in protecting your information. No one can see or edit your personal information without knowing your email address and password combination, so please do not share these with others.

Modification

We may, at our sole discretion, modify or replace any of this Notice at any time without notice. If we make updates to this Notice, we will revise the “Last Updated” date posted at the bottom of the Notice. Any changes to this Notice will become effective when we posted on our Site. Your use of the Site following these changes will serve as acceptance of the revised Notice.


Last Updated: December 4th, 2024