What does 4FINANCE USA and its affiliated lenders and credit services companies (each doing business as “Zaplo”) do with your personal information?
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.
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 transaction history
account balances and income
payment history and credit history
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 reason Zaplo chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does Zaplo 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
For our marketing purposes – to offer our products and services to you
For joint marketing with other financial companies
For our affiliates’ everyday business purposes – information about your transactions and experiences
For our affiliates’ everyday business purposes – information about your creditworthiness
For our affiliates to market to you
For nonaffiliates to market to you
To limit our sharing
Call 1-800-25-ZAPLO or 1-800-259-2756 – our menu will prompt you through your choice(s) or
If you are a new customer, we can begin sharing your information 30 days from the date you sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
Zaplo is providing this Privacy Notice and it applies to all loans made by the company and all products and services offered in connection with such loans.
What we do
How does Zaplo protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with industry standards. These measures include computer safeguards and secured files and buildings.
How does Zaplo collect my personal information?
We collect your personal information, for example, when you
Apply for a loan
Give us your income information
Tell us where to send the money
Provide account information
Provide employment information
We also collect your personal information from others, such as credit bureaus, affiliates or other companies.
Why can’t I limit all sharing?
You have 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
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Our affiliates include companies with “4finance” or “Zaplo” in their name.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Nonaffiliates we share with can include other lenders and direct marketing companies.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Our joint marketing partners can include institutions such as other lenders or marketers.
Other important information
OHIO RESIDENTS -- The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Other state laws may also provide you with specific privacy protections. We will comply with applicable state laws with respect to our use of your information.
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With easy online applications for Installment Loans, we're here to help.
This is an expensive form of borrowing and is not intended to be a long term financial solution. Loan amounts, loan terms, and Annual Percentage Rate (APR) may vary based on your payment performance history with us and state law. Please check the specific rates for your state in our rates page. Before borrowing, please consider whether you will be able to repay the amount you borrow. Any instances of late or non-payment may be subject to additional NSF and late fees, and collection activities as permitted by state law. Cash advance services through this website are not available in all states and state availability may change from time to time without notice. Zaplo does not lend to members of the military and their dependents.
Zaplo does not perform credit checks through the three national credit bureaus (Experian, Equifax, TransUnion). A credit check or a request for your credit report may be executed in some circumstances to determine loan approval status through an alternative credit reporting agency, including but not limited to; Clarity and Data X. We will also report your loan history to these alternative credit reporting agencies, but this reporting will typically not affect your credit scores calculated by any of the three national credit bureaus.