Privacy Policy

Effective Date: 12/23/2019
Last Updated: 12/23/2019

Thank you for your interest in CURO Financial Technologies Corp® (“CURO,” “we,” “our,” or “us”). CURO is a group of companies which provides, or arranges, for consumers to obtain various financial products and services such as loans and the servicing and collection of its and its partners lending activity. We welcome you to our website at https://www.curo.com , as well as all related websites (the “Site”), and products and services provided by us and certain third parties (collectively, together with the Site, our “Service”). By accessing or using the Service or the Site, you acknowledge that you have read, understood, and agree to the terms of this privacy policy (“Privacy Policy”) and the Terms of Use. If you cannot agree to the Privacy Policy, then please do not use the Service or the Site.

As you use our Service, you may provide us with information about you, including information that can be used to identify you. This Privacy Policy explains (1) your responsibilities when using the Site and the Service, and (2) how CURO may collect, use, and disclose information you provide us and other information we receive related to your use of the Service.

If you have questions about these Terms of Use, please contact us:
Phone: 1-855-510-7238
Email: privacy@curo.com

What information does CURO collect?

What does CURO do with your personal information?

We collect your name, location, phone and email address if you provide it to us. We use this email address to provide you notices of files and investor related information that you requested. This email address is not used for any other purpose. Each email provides you an opportunity to unsubscribe and discontinue receiving any emails.

We use Google Analytics to see how visitors are using CURO.com. Google Analytics reports traffic patterns anonymously. We may collect non-identifying information, such as the type of browser and browser version you are using to access our website, the day and time you access our website, the referring website that linked you directly to our website (if you arrived here by clicking a link on another website), and limited geographic information. No personally identifiable information is collected through this process.

How We Respond to Do Not Track Signals

Our Site does not currently have the capability to recognize the various Do Not Track signals or mechanisms from different web browsers. For more information on Do Not Track please visit https://allaboutdnt.com.

How does CURO use my personal information?

CURO uses your personal information for the following reasons:

  • Provide you with our Service;
  • Maintain general communications with you about the Site and Service;

We may anonymize and aggregate data collected through the Service and use it for any purpose.

How does CURO protect my information?

We take reasonable administrative, technical, and physical security precautions to protect the personal information collected or maintained by us against loss, unauthorized access, and illegal use or disclosure. As examples, these measures include computer safeguards and secured files and buildings, among other things. We use encryption software to protect the security of individuals' personal information during transmission of such information through our Site (for example, the information provided by consumers when submitting an application to us for a loan product). Unfortunately, the Internet cannot be guaranteed to be 100% secure, and we cannot ensure or warrant the security of any information you provide to us.

Children’s Privacy

The Service is not intended for use by children. We do not knowingly collect personal information from children under the age of 13 years. Please contact us if you believe we may have unknowingly collected information about a child under 13 years of age, and we will take reasonable prompt steps to delete any such personal information.

California Privacy Rights

If you are a California Consumer, you have certain rights with respect to the collection, use, transfer, and processing of your “Personal Information”, as defined by the California Consumer Privacy Act (CCPA). CURO (“We”, or “Us”) reserves the right to limit these rights where permitted under applicable law, including where your identity cannot be reasonably verified or to the extent your rights adversely affect the rights and freedoms of others. To exercise any of the rights below, please contact us via the contact information below. Only you or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information.

Collection of Personal Information

When California consumers access the CURO website(s), or contact CURO, we collect the following Personal Information.

Identifiers

  • Name
  • Email address
  • Telephone number

Internet or other electronic network activity information

  • Browsing history
  • Search history
  • Information regarding a consumer’s interaction with an Internet Website, application, or advertisement
  • Internet Protocol address
  • Device ID
  • Cookies
  • Beacons
  • Pixel Tags
  • Mobile Ad Identifiers

The foregoing pieces of Personal Information have been collected about our consumers in the past 12 months.

  • We collect your identifiers (name, address, phone) from you directly.
  • We collect your internet or other electronic network activity information from your interactions with our website.

Business or Commercial Purposes for which Personal Information is Collected

Your Personal Information is used for the following purposes:

  • Provide you with our Service;
  • Respond to court orders and legal investigations;
  • Safeguard against potential fraud;
  • Protect data from unauthorized parties and comply with legal requirements;
  • Enforce this Privacy Policy, Terms of Use, and any other agreements you have entered into with us;
  • Send you offers and promotions for our products and services;
  • Provide you with targeted advertising based on your activity on our sites;
  • Operate, understand, optimize, develop, or improve our sites, applications, products, services and operations;
  • Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity;
  • Debugging to identify and repair errors that impair existing intended functionality; and
  • Investigate and prevent activities that may violate our policies.

Third Parties with whom Personal Information is Shared

CURO shares your Personal Information with affiliates, analytics providers, service providers, IT vendors, and law enforcement (if necessary).

In the preceding 12 months, we have not sold Personal Information about consumers.

In the preceding 12 months, we have not sold Personal Information about minors.

In the preceding 12 months, we have disclosed the following Personal Information about consumers for business purposes:

  1. Auditing related to a current interaction with the consumer and concurrent transactions, including, but not limited to, counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards.
    1. Internet or other electronic network activity information
  2. Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity.
    1. Internet or other electronic network activity information
  3. Debugging to identify and repair errors that impair existing intended functionality.
    1. Internet or other electronic network activity information
  4. Undertaking internal research for technological development and demonstration.
    1. Internet or other electronic network activity information

Individual Rights

Right to Know About Personal Information Collected, Disclosed, or Sold

California consumers have the right to request that CURO disclose the Personal Information it collects, uses, and discloses about you to third parties. There are two types of Right to Know requests you can make:

  1. Right to Know (Abbreviated Request): If you make a Right to Know (Abbreviated Request), you will receive the following information about you:
    1. Categories of Personal Information collected;
    2. Categories of sources from which Personal Information is collected;
    3. Business or commercial purpose for collecting or disclosing Personal Information; and
    4. Categories of third parties to whom Personal Information is disclosed for a business purpose.

CURO does not sell any Personal Information of California consumers. If we did sell your Personal Information, you would have the right to know the categories of Personal Information CURO sells, the business or commercial purpose of the sale, and to whom it sells such Personal Information.

  1. Right to Know (Specific Pieces of Information Request): If you make a Right to Know (Specific Pieces of Information Request), you will receive the following information about you:
    1. Specific

This information will be provided to you free of charge, unless CURO determines that your request is manifestly unfounded or excessive. You may request this information twice in a 12-month period.

Right of Deletion

You have the right to request that CURO and our service providers delete any Personal Information about yourself that CURO has collected from you upon receipt of a verifiable request. This right is subject to exceptions.

Submitting Requests

You can submit your request by calling us at 1-855-510-7238. You may also submit a request via email at privacy@curo.com.

Verifying Requests

CURO provides California consumers with the ability to submit requests through our telephone number and our email address. CURO must verify that the person requesting information or deletion is the California consumer about whom the request relates in order to process the request. To verify a California consumer’s identity, we may request up to up to three (3) pieces of Personal Information about you when you make a request to compare against our records. We cannot respond to your request or provide you with Personal Information if we cannot verify your identity. Making a verifiable consumer request does not require you to create an account with us. We will only use Personal Information provided in your request to verify your identity. CURO reserves the right to take additional steps as necessary to verify the identity of California consumers where we have reason to believe a request is fraudulent.

Authorized Agent

You may choose a person registered with the California Secretary of State that you authorize to act on your behalf to submit your requests (“Authorized Agent”). If you choose to use an Authorized Agent, CURO requires that you provide the Authorized Agent with written permission to allow them to submit your request and that you verify your identity directly with CURO. Failure to do so may result in CURO denying your request.

Right to Equal Service

CURO will not discriminate against you because you exercised any of your rights, including, but not limited to, by:

  • Denying goods or services to you.
  • Charging different prices or rates for goods or services, including through the use of discounts or other benefits or imposing penalties.
  • Providing a different level or quality of goods or services to you.
  • Suggesting that you will receive a different price or rate for goods or services or a different level or quality of goods or services.

California Employee and Applicants: Your California Privacy Rights

If you are an applicant for employment with CURO and you reside in California, you are entitled under the California Consumer Privacy Act (CCPA) to certain information regarding the personal information that CURO collects about you and how we use that information, at or before the time we collect such information.

Collection and Use of Personal Information

When you apply for employment with CURO, the company collects the following information from you in order to process your application:

Identifiers

  • Name
  • Address
  • Email address
  • Telephone number
  • Signature

Employment Information

  • Title
  • Employment History
  • Resume/Bio
  • Background Checks (which may require Social Security Number, Date of Birth, Gender, and/or Race for verification and employment eligibility purposes)

CURO may also collect personal information such as salary and disability that an applicant voluntarily provides, but which is not required to be submitted.

CURO uses the personal information collected from you in order to process and evaluate your application for employment. If you become a CURO employee, the company will use the same information for HR related purposes, including salary and benefits administration, performance review, travel and expense payment, disability payments, as well as legal or disciplinary purposes.

CURO does not sell personal information of applicants for employment or employees.

If you have questions about these Terms of Use, please contact us:
Phone: 1-855-510-7238
Email: privacy@curo.com

Changes

Our Privacy Policy reflects our current business practices and is subject to change without notice.

We reserve the right, in our sole discretion, to modify, add, revise or delete provisions of our Privacy Policy at any time. If our practices change regarding your Personal Information, we will make reasonable efforts to provide notice to you of these changes. Your use of the Service after an update to the Privacy Policy means that you accept the new Privacy Policy. We will post the effective date of any change at the beginning of our Privacy Policy. We encourage you to visit our Site regularly so that you remain aware of how our Privacy Policy may affect you.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies. CURO does not have any affiliates.

Non-affiliates

Companies not related by common ownership or control. They may be financial and nonfinancial companies. Non-affiliates include marketing companies which sell information for marketing purposes.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you. CURO does not have any joint marketing partners.