Our website will be undergoing a scheduled maintenance this weekend, beginning on Saturday, January 23rd from 5:15 PM ET through Sunday, January 24th 2:00 PM ET. Customers may experience issues submitting new applications, making payments or accessing their online account during this time. If you do experience an issue, please try again after we have completed our maintenance.
We appreciate your patience as we work to make our website a better experience for you.
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California residents, view the Advance America California Privacy Policy for our information collection practices.
The following terms and conditions govern electronic communications in connection with this transaction (both the purchase of credit services and, if applicable, your loan with the Third-party Lender) evidenced hereby (the "Consent"). You agree that:
The following terms and conditions govern electronic communications in connection with this Loan Agreement and the transaction evidenced hereby (the "Consent"). You agree that:
The State of California requires that we provide privacy information for individuals who reside in California. If you do not reside in California, the provisions of this California Privacy Policy will not apply to you.
For California residents, here is a summary of what you will learn from this California Privacy Policy:
Below is the legal information we are required to share:
The California Privacy Policy supplements the information contained in the other Privacy Notices (including California Supplement) of Purpose Financial, Inc. (formerly known as Advance America, Cash Advance Centers, Inc.), all of its operating subsidiaries, and the websites www.advanceamerica.net (collectively, “Advance America,” “we,” “us,” or “our”) and applies solely to visitors, users, and others who reside in the State of California (“consumers” or “you”). We adopt this California Privacy Policy to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and other California laws. Any terms defined in the CCPA have the same meaning when used in this California Privacy Policy.
We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with an individual consumer, device, or household (“personal information”).
Directly from you. |
You enter or provide us with information online, by email, by phone, by completing forms in our stores, or by document upload. For example, when you apply for a loan or financial services product, show us your government issued ID, or pay your bill. |
Directly and indirectly from you based on activity on our website. | For example, from submissions through our website or website usage details collected automatically. |
From vendors or third-parties that interact with us in connection with the services we perform. | For example, companies that work with us to market our products to you, credit reporting agencies, or other vendors that provide data we use in underwriting or in protecting you and our products from fraud and identity theft. |
We may use or disclose the personal information we collect for one or more of the following business and commercial purposes:
We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
We may disclose your personal information to a service provider or third party for a business or commercial purpose. When we disclose personal information to a service provider for a business or commercial purpose, we enter a contract that describes the purpose and requires the service provider to both keep that personal information confidential and not use it for any purpose except performing the contract. Examples of who we share with include:
CATEGORY | EXAMPLES | COLLECTED (Yes/No) | SOURCES OF COLLECTED PERSONAL INFORMATION | BUSINESS OR COMMERCIAL PURPOSE FOR SHARING (Section 1.3 #1-7, above) | CATEGORY OF THIRD PARTIES |
---|---|---|---|---|---|
A. Identifiers. | A real name, alias, postal address, unique personal identifier, online identifier, IP address, email address, account name, social security number, driver's license number, passport number, or other similar identifiers. | YES | You, your activity on our site, or from vendors, service providers, and third-parties | All items listed in Section 1.3 | Our lending / bank partners, service providers, and third-parties |
B. Personal information | A name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories. | YES | You, vendors, service providers, and third-parties | All items listed in Section 1.3 | Our lending / bank partners, service providers, and third-parties |
C. Protected classification characteristics under California or federal law. | Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information). | YES | You, vendors, service providers, and third-parties | All items listed in Section 1.3 | Our lending / bank partners, service providers, and third-parties |
D. Commercial information. | Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. | YES | You, vendors, service providers, and third-parties | All items listed in Section 1.3 | Our lending / bank partners, service providers, and third-parties |
E. Biometric information. | Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data. | NO | YOU | N/A | N/A |
F. Internet or other similar network activity. | Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement. | YES | Your activity on our site, vendors, service providers, and third-parties | All items listed in Section 1.3 | Our lending partners, service providers and third-parties |
G. Geolocation data. | Physical location or movements. | YES | Vendors and third-parties | All items listed in Section 1.3 | Our lending / bank partners, service providers, and third-parties |
H. Sensory data. | Audio, electronic, visual, thermal, olfactory, or similar information. | NO | N/A | N/A | N/A |
I. Professional or employment-related information. | Current or past job history or performance evaluations. | YES | You, vendors, service providers, and third-parties | All items listed in Section 1.3 | Our lending / bank partners, service providers and third-parties |
J.Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)). | Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. | NO | N/A | N/A | N/A |
K. Inferences drawn from other personal information. | Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. | YES | You, your activity on our website(s), or from vendors, service providers, and third-parties | Section 1.3(1)(b) | Our lending / bank partners, service providers and third-parties |
We do not and will not sell your personal information. We do not and will not sell the personal information of minors under 16 years of age without affirmative authorization.
The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.
You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request for access, based on your request, we will disclose to you:
We may deny your request for access if we are unable to verify your identity or have reason to believe that the request is fraudulent. We may also deny your request if the personal information is subject to an exemption under Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA), California Financial Information Privacy Act (FIPA), or the Driver's Privacy Protection Act of 1994 (DPPA).
You have the right to request that we delete any of your personal information that we collected and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete, de-identify, or aggregate your personal information (and direct our service providers to do the same), unless an exception applies.
We may deny your deletion request if retaining the personal information is necessary for us or our service providers to:
Additionally, we may deny your request to delete if we are unable to verify your identity or have reason to believe that the request is fraudulent.
The CCPA gives consumers the right to opt-out of the sale of their personal information. However, we do not and will not sell your personal information. We do not and will not sell the personal information of minors under 16 years of age without affirmative authorization.
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:
Calling us at (866) 703-8157
Submit a CCPA Request Form at
www.advanceamerica.net/CCPA
Only 1) you, 2) a person authorized by you to act on your behalf, or 3) an entity registered with the California Secretary of State and authorized by you to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.
You may only make a verifiable consumer request for access (aka Right to Know) or data portability twice within a 12-month period. The verifiable consumer request must:
Before we can respond to a verifiable consumer request submitted by an authorized agent, we need to confirm not only that person or entity’s authority to act on your behalf but also verify the identity of the authorized agent.
If you are authorized to submit a request on behalf of a California resident, please email us at: CAdatainquiry@advanceamerica.net and provide the following information:
We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.
We will acknowledge receipt of the request within 10 days of its receipt. We will respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request's receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will provide the responsive information in a portable and, to the extent technically feasible, in a readily useable format that allows you to transmit the information to another entity without hindrance.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
We reserve the right to amend this privacy policy at our discretion and at any time. When we make changes to this privacy policy, we will notify you by email or through a notice on our website homepage.
If you have any questions or comments about this policy, the ways in which we collect and use your personal information, your rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:
Privacy Support Phone: | (866) 703-8157 |
Privacy Support E-Mail: | CAdatainquiry@advanceamerica.net |
Website: | www.advanceamerica.net |
Postal Address: | Advance America, Cash Advance Centers of California, LLC Attn: Information Privacy 135 N. Church St. Spartanburg, SC 29306 Version 1.0 |
Version 1.0 – Effective Date 1/1/2020
Text Message Policy
When you provide us your cell phone number and opt in to our text messaging program, you have provided us with express consent to send you text messages about your loan, such as payment reminders along with marketing messages about other services we offer, including special offers you may be eligible for. Your cellular provider's message and data rates may apply to our confirmation message and all subsequent messages. We do not charge you for any text messages we send you.
You understand the text messages we send may be seen by anyone with access to your phone. Accordingly, you should take steps to safeguard your phone and your text messages if you want them to remain private. Please notify us immediately if you change mobile numbers or plan to provide your phone to another person.
If we modify this Text Message Policy, we will notify you by sending you a text message with a link to the new policy. We may terminate our text message program at any time. If you have any questions about this policy, would like us to mail you a paper copy of this policy or are having problems receiving or stopping our text messages, please contact us using the following information: customerservice@service.advanceamerica.net or {{ appObject.applicationViewModel.FuseCompanyNumber }}. {{ appObject.applicationViewModel.CompanyPhone }}.
By opting in, you agree and expressly consent to be contacted by us, our agents, employees, and/or affiliates through the use of email, and/or telephone calls and/or SMS text messages to your cellular, home or work phone numbers, as well as any other phone number you have provided in conjunction with this account, including with the use of automatic telephone dialing systems, auto dialers, or an artificial or prerecorded voice.
If you wish to stop receiving marketing text messages from us, reply to any marketing text message we have sent you with STOP. If you wish to stop receiving account maintenance text messages from us, such as payment reminders, reply to any account maintenance text message we have sent you with STOP. If you wish to stop receiving all text messages from us, type STOP ALL in the reply text you send us. Your stop request will become effective within one day.
If at any time you need our contact information or information on how to stop text messages, reply to any text message we have sent you and in the reply text simply type "HELP". Upon receiving your text message, we will send you a text message with our phone number, a link to this policy, and instructions on how to stop text messages. The number of text messages that we send to you per month will depend on your specific account details. Some of the text messages we send may include links to websites. To access these websites, you will need a web browser and Internet access.