Neighborhood Choice Financial Services (NCFS)
(dba for Choice Loans of Georgia, Inc., Super Auto Insurance Agency, Inc.,
Atlanta Check Cashers, Inc, and Raleigh Durham Check Cashers, Inc)

This Privacy Policy explains the policy statement of Neighborhood Choice Financial Services (dba for Choice Loans of Georgia, Inc., Super Auto Insurance Agency, Inc., Atlanta Check Cashers, Inc, and Raleigh Durham Check Cashers, Inc), with respect to your nonpublic personal information when you apply for and use the financial products, insurance and services offered by the entities listed above. We are committed to protecting your privacy and the security of your nonpublic personal information. Because we recognize the sensitive nature of your nonpublic personal information, we take precautions to use it only in accordance with our strict guidelines.

We have prepared this Privacy Policy to explain what types of information we collect about you and under what circumstances we may share it with others. This Privacy Policy covers check cashing, money orders, money transfers, insurance, bill payments, and all other similar financial services transactions that you conduct with Neighborhood Choice Financial Services (NCFS) and all its entities.

We hope that you will thoroughly review all the details of our Privacy Policy, so that you will understand that NCFS uses your nonpublic personal information responsibly and only to:

Provide you with the financial products and services that you have requested.

Offer you information about other financial products and services provided by NCFS; and allow you to conduct business with NCFS with confidence and convenience.

In no event do we provide your account or nonpublic personal information to anyone outside of NCFS for the purpose of independent telemarketing, direct mail marketing, or digital marketing of any nonfinancial products or services. We also maintain physical, electronic, and procedural safeguards to guard against the unauthorized disclosure of this information. Only in extremely limited circumstances, outlined below, do we share your information with other financial services firms.

Kinds of Information That We Collect.

NCFS collects nonpublic personal information about you from the following sources:

From you when you apply to conduct check cashing, money orders, money transfers, insurance services, small loans, bill payments, and other similar financial services transactions with us

NCFS may ask you to provide on applications and other forms information about your financial status, such as employment and income, as well as identifying information, such as your date of birth, address, telephone number, email address, and social security number.

From your transactions with us, our affiliates, and other parties, including the types of transactions and payment history.

From the bank where you maintain your checking account.

From consumer credit reporting agencies, including verification of your creditworthiness, and from persons we contact when we verify information that you provide on applications to conduct business with us, including your spouse, relatives, and employer.

How We Use This Information.

We do not disclose any nonpublic personal information about you or our former customers to anyone, except as permitted by law. These permitted disclosures include the following:

Within the NCFS umbrella of Business Entities: We restrict access to your nonpublic personal information to those of our NCFS employees who need to know that information to provide those products or services that you have requested. We train all our employees about the importance of customer privacy and confidentiality. Our employee handbook instructs NCFS employees to maintain the confidentiality of your nonpublic personal information.

In addition, we maintain physical, electronic, and procedural safeguards that comply with applicable federal standards to protect the privacy of your nonpublic personal information.

Companies With Whom NCFS has Product or Service Agreements. To provide you with the financial products and services that you request or may find desirable, NCFS will provide your nonpublic personal information to any nonaffiliated third party with whom NCFS has an agreement to provide such products and services, solely for the purpose of verifying your financial stability and for this approval process as follows.

For example, NCFS and NetSpend Corporation (“NetSpend”) have an agreement to offer our customers a prepaid cash-based debit card issued by selected national banks, because we view the prepaid debit card as a financial product that our customers need and expect NCFS to provide. Therefore, we work closely with NetSpend to make this prepaid debit card available to you, which requires that we provide NetSpend with your nonpublic personal information that we collect from you on applications for the prepaid debit card. No mobile information or any other information will be shared with Netspend for Netspend marketing purposes.

In addition, NCFS and MB Financial Bank have an agreement to offer our customers “Secure Check” for distribution of a customer’s federal benefits.

Also, pursuant to our refund anticipation loan agreement with selected national banks, NCFS will provide selected national banks with your nonpublic personal information, which we collect from you, regarding such matters as your income, expenses, and potential income tax liabilities.

Further, Western Union have an agreement by which they will make money transfer services available to our customers. Pursuant to this agreement, NCFS will provide your nonpublic personal information to Western Union, which we collect from you, on the send, receive, and other Western Union forms used to initiate and complete these transfers. No mobile information or any other information will be shared with Western Union for Western Union marketing purposes.

Another example, NCFS has produced contracts with numerous insurance carriers, Motorist Protection Plan (“MPP”) companies, and a third-party software provider agreement with Turborater. These various insurance carriers, MPP companies, and Turbotater need access to your nonpublic personal price to place information, vehicle identification numbers, and driving record information, to search for the best your auto insurance coverage and MPP benefits, if you so request these services and products. No mobile information or any other information will be shared with Turborater for Turborater marketing purposes.

NCFS has contractual relationships with several bill payment companies. The bill payment services offered by these companies include Check Free Bill Payments and Western Union (Convenience Pay) Bill Payments. We will accept your bill payment in cash and will then transfer such amount to one of these bill payment companies, which may request certain of your nonpublic personal information, including a vendor/customer account number, your name, address, and at times your telephone number, to post your bill payment correctly to your account. No mobile information or any other information will be shared with Western Union for Western Union marketing purposes.

Wray Smart Creative Services has a service contract with NCFS, which helps us maintain contact with you and our other customers, thereby allowing us to market our new or existing service offerings to you. We provide Wray Smart with your name and telephone number for Wray Smart to initiate a telephone call or email to you to market a new service or communicate the status of an existing service offered by us. No mobile information will be shared with Wray Smart Creative for marketing Wray Smart Creative Marketing purposed.

Each of the above listed companies, with whom NCFS maintains product or service agreements, has agreed to strictly safeguard the confidentiality of your nonpublic personal information. These companies are not permitted to share your nonpublic personal information without the permission of the NCFS entity with which you are conducting financial transactions, except as otherwise required by law. At no time will any of the above-mentioned entities share or use your nonpublic or public information for any reason other than to verify your financial status as it pertains to the product you are applying for.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Companies With Which You Ask Us to Share Information.

You may grant permission to NCFS to share your nonpublic personal information with other companies. If you grant such permission, it will only apply to the specific program or programs you consent to. If you have previously requested that we block the sharing of your nonpublic personal information, that request will remain in place for all other situations.

Outside Service Providers.

At times, we have arrangements with companies, which provide products and services essential for the delivery of our services to you. For example, we work with data processing, computer programming, and computer software firms to ensure that our computer systems function properly. We also engage a third party to assist us in conducting federally mandated comparisons of prospective customers with the U.S. government’s lists of terrorists and other Specially Designated Nationals. These firms perform their services at our direction and as permitted by law, we share customer nonpublic personal information with these companies, as necessary, to permit them to perform these required services. As with all our business partners, these companies are required to safeguard your nonpublic personal information and use it only for authorized purposes.

Consumer Credit Reporting Agencies and Other Creditors.

It is standard industry practice and within federal and state laws to provide your nonpublic personal information, including your repayment transactions and defaults, to consumer credit reporting agencies and other creditors.

Courts and Government Bodies.

Federal and state laws may require us to share your nonpublic personal information. For example, if you are involved in a legal matter with another party, we may be ordered to provide your nonpublic personal information to a court, attorney, or other party. In these circumstances, only that portion of your nonpublic personal information required by law, subpoena, or court order will be provided.

How to Contact NCFS About Our Privacy Policy.

If you have any questions about the Privacy Policy of NCFS, which includes Choice Loans of Georgia, Inc., Super Auto Insurance Agency, Inc., Atlanta Check Cashers, Inc, and Raleigh Durham Check Cashers, Inc, please email your specific questions to HELP@ncfscorp.com.

How to Contact NCFS Using Our Opt-Out Procedures.

Federal law gives you the right to limit how we share your nonpublic personal information for marketing purposes. By opting out, you are instructing NCFS not to share your nonpublic personal information with our affiliates and nonaffiliated third-party business partners for marketing purposes. Please note that by opting out of receiving future marketing information, you may not opt-out of receiving notices from NCFS regarding payment information and service to your existing account. Further, note that any such service notice from NCFS may include a listing of all services that we provide and affiliates within the NCFS family of companies. And so long as you are a customer of NCFS, we will continue to use nonaffiliated third parties, such as banks and tax software companies, to provide to you the financial products and services that you may request in accordance with the procedures and for the purposes described in our Privacy Policy.

If you decide to opt out of emails, please see the instructions on the bottom of every email that we send. Simply click the “STOP” option. If you need more help, please see the instructions on the bottom of every email that we send. Simply click the “HELP” option.

SMS Communications

Product Description:

NCFS collects phone numbers to send message updates. By providing your mobile phone number, you consent to receive SMS messages from NCFS related to requested updates, alerts or account notifications.

Message Frequency:

Message frequency may vary.

Message and Data Rates:

Standard message and data rates may apply depending on your carrier.

SMS Consent Disclosure:
By Providing the Number over the Phone verbally or on the Webform, you agree to receive communications by text message about your inquiry/Marketing Messages. You may opt out by replying STOP or ask for more information by replying HELP. Message frequency varies. Message and data rates may apply.

Opt-Out Instructions:

You may opt out of receiving SMS messages at any time by replying with “STOP” to any SMS message you receive from us. After opting out, you will receive a confirmation message, and we will cease sending SMS messages to your number.

Help and Support:

If you need assistance to have questions about our SMS service, reply “HELP” to and SMS message you receive, or contact our customer support team at: HELP@ncfscorp.com.

Privacy Policy:

Your phone number will be handled in accordance with our Privacy Policy. We do not sell or share your phone number with third parties except as required by law.