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Privacy Policy

Last Updated: 7/26/2024 

Minute Loan Center (“we,” “us,” “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website www.Minuteloancenter.com, use our services, or engage with us in any other way. Please read this policy carefully to understand our views and practices regarding your personal data and how we will treat it. 

Scope of the Policy 

This policy applies to information we collect: 

  • On this Website. 
  • In communications between you and us, including writing, phone calls, email, text, and other electronic messages. 
  • Through mobile and/or desktop applications you download from this Website, which provide dedicated non-browser-based interaction between you and this Website. 
  • When you interact with our service providers and applications or other forms on third-party websites and services if those applications or advertising include links to this policy. 
  • Through applications or other forms you complete. 
  • From information about your transactions and experiences with us, our affiliates, or others. 
  • From information received from traditional and non-traditional consumer reporting agencies (e.g., credit bureaus). 
  • From information we obtain from other third parties. 

By accessing or using this Website, you agree to this privacy policy. This policy may change from time to time. Your continued use of this website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates. 

1. Information We Collect 

Personal Data: We may collect personally identifiable information that you voluntarily provide to us, such as: 

  • Name 
  • Email Address 
  • Phone Number 
  • Payment Information 
  • Other Personal Information 

Usage Data: We may automatically collect information about your interaction with our services, including: 

  • IP Address 
  • Browser Type and Version 
  • Pages Visited 
  • Time Spent on Pages 
  • Device Information 

Information from Other Sources: We may receive information from other sources, including: 

  • Vendors and Business Partners 
  • Financial Account Linking 
  • Mobile Device Operators 
  • Connected Services 
  • Publicly Available Data 
  • Advertising Data 
  • Data from Other Users 

2. How We Use Your Information 

We use the information we collect for various purposes, including: 

  • Creating and maintaining an account with us 
  • Completing your transactions 
  • To provide and maintain our services 
  • To notify you about changes to our services 
  • To allow you to participate in interactive features of our services 
  • To provide customer support 
  • Communicating advertisements 
  • To gather analysis or valuable information so that we can improve our services 
  • To monitor the usage of our services 
  • To detect, prevent, and address technical issues 

3. Sharing Your Information 

We may share your information with third parties in the following situations: 

  • With Your Consent: We may disclose your personal information for any purpose with your explicit consent. 
  • Business Transfers: If we are involved in a merger, acquisition, or asset sale, your information may be transferred. 
  • Compliance with Laws: We may disclose your information where required to do so by law or to respond to valid requests by public authorities. 

4. Security of Your Information 

We use administrative, technical, and physical security measures to protect your personal data. While we strive to use commercially acceptable means to protect your information, no method of transmission over the Internet or electronic storage is 100% secure. Providing your personal information is at your own risk. 

5. Your Data Protection Rights 

Depending on your jurisdiction, you may have the following data protection rights: 

  • The right to access, update, or delete the personal data we hold about you. 
  • The right to object to our processing of your personal data. 
  • The right to request that we restrict the processing of your personal data. 
  • The right to data portability. 

To exercise these rights, please contact us at 1-888-213-5744. 

6. Changes to This Privacy Policy 

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. 

7. Contact Us 

If you have any questions about this Privacy Policy, please contact us: 

  • By email: Questions@Minuteloancenter.com 
  • By phone: 1-888-213-5744 
  • By mail: Attn: Compliance 4445 Corporation Lane, Ste 161 Virginia Beach, VA 23462 

Our Privacy Policy clarifies how we share your personal information. Federal law gives consumers the right to limit some but not all sharing.

FACTS WHAT DOES MINUTE LOAN CENTER 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
  • checking account information and employment information
  • credit history and payment history
When you are no longer our customer, we continue to share your information as described in this notice.
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 Minute Loan Center choose to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Minute Loan
Center 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 No
For our marketing purposes –
to offer our products and services to you		 Yes No
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes –
information about your transactions and experiences		 No We don’t share
For our affiliates’ everyday business purposes –
information about your creditworthiness 		No We don’t share
For our affiliates to market to you
No We don’t share
For nonaffiliates to market to you
No We don’t share
Who we are
Who is providing this notice?
  • EMG Acquisition Company of DE, LLC (dba Minute Loan Center)
  • EMG Acquisition Company of NV, LLC (dba Minute Loan Center)
  • MLC OF AL, LLC (dba Minute Loan Center)
  • MLC OF KS, LLC (dba Minute Loan Center)
  • MLC of UT, LLC (dba Minute Loan Center)
  • MLC OF WI LLC (dba Minute Loan Center)
What we do
How does Minute Loan Center 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.
How does Minute Loan Center collect my personal information? We collect your personal information, for example, when you
  • apply for a loan or give us your income information
  • provide employment information or give us your contact information
  • or provide account 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.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Minute Loan Center does not share with affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Minute Loan Center does not share with nonaffiliates so they can market to you.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include insurance companies.
Other important information
California Residents: If you live in California, we will not share information for our joint marketing partners to market to you, except with your express consent or as otherwise permitted by law.