CFSA Privacy Policy

Welcome to the Community Financial Services Association of America’s (CFSA) website (“website”). CFSA is the national trade association for companies that offer small-dollar, short-term loans or payday advances. CFSA works to promote laws and regulations that balance strong consumer protections while preserving access to credit for millions of Americans. Please know that CFSA is committed to protecting user privacy, and this website is maintained consistent with our privacy policy.

Website Disclaimer
The CFSA website is for informational use only and is not intended to provide specific commercial, financial, investment, accounting, tax, or legal advice. Please note that links to public sites and/or commercial services within the CFSA website do not imply an endorsement by CFSA of such content, products, or services. In addition, CFSA is not responsible for the material contained within linked sites and suggests that the user conduct further investigation prior to acting upon information on such sites for, among other things, the accuracy, reliability, or completeness of such information. The information contained on this website is offered in good faith and believed to be accurate when prepared, but is offered without warranty, express or implied, as to merchantability, fitness for a particular purpose or any other matter.

Information We Collect and Use
CFSA respects your privacy and has implemented policies to ensure that any personal information provided is handled in a safe and responsible manner. CFSA gathers and collects information that is voluntarily provided by the user. The personal information that we may collect includes your name, mailing address, phone number, email address, and credit card number. This information may be voluntarily provided by the user to CFSA in a number of ways, including but not limited to: registration of this website; registration or attendance at a CFSA-sponsored event; completion of user contact form; submission of speaker suggestion form; completion of customer complaint form; and the submission of membership question contact form. In addition, if you communicate with us, we collect any information that you provide to us during the course of our communication.

We also may collect non-personal information, including your browser type, the URL of the previous web site you visited, your Internet Service Provider, operating system, and your Internet Protocol (IP) Address.

Once personal and non-personal information has been collected, it may be used for purposes of managing, monitoring, and optimizing our website, collecting navigation history and data, providing targeted marketing promotions, measuring the effectiveness of our communications and use of this website, addressing speaker submissions, responding to user questions, answering customer complaints, and for other such purposes as described at the point of data collection. We may use cookies (described below) for this purpose.

Disclosure of Personal Information to Third Parties
CFSA reserves the right to disclose any personal information as required by law, a court order, or to a duly authorized investigative agency. CFSA may also disclose personal information to protect or enforce our legal rights and policies or to protect or enforce the legal rights of a third party.

We may contract with various third parties who help us provide, maintain, and improve the website and the services we provide and the services we offer. Such third parties may have access to your personal information to perform their services. We may also use third party contractors to help us measure the effectiveness of our advertising and communications. We will enter into confidentiality and non-disclosure agreements with all third parties that have access to your personal information, which will prohibit them from suing or disclosing your personal information except for the purpose of providing services to us. We intend to take commercially reasonable steps to enforce such non-disclosure and confidentiality agreements if and when we become aware of any violations.

As a general rule, we will not share your personal information with a third party for the third party’s marketing purposes. If and whenever we intend to share your personal information with a third party for the third party’s marketing purposes, you will be notified at the time of data collection or transfer, and you will have the option of not permitting the transfer.

Disclosure of Non-Personal Information to Third Parties
CFSA may disclose non-personal information, in aggregate form, to potential strategic partners, advertisers, investors, customers, and others.

Use of Cookies
The CFSA website does use cookies. A cookie is a small file placed on the hard drive of your computer. Basic information about the user may be collected through cookies for unique browser identification and personalization of content purposes. CFSA may aggregate and analyze this information in order to learn more about how our Web site is used and how to deliver better services to CFSA members. While we expect all CFSA website content to remain visible without accepting cookies, the user may not be able to access certain areas of this website if cookies are not accepted.

How We Protect Your Personal Information
CFSA follows generally accepted industry standards to protect personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your personal information, we do not guarantee absolute security. We are not responsible for the unauthorized acts of others and we assume no liability for any disclosure of information due to errors in transmission, unauthorized third-party access (such as through hacking) or other acts of third parties, or acts or omissions beyond our reasonable control.

Application of Privacy Policy to Third Party Websites You Access
You may be able to access third party web sites directly from this website. This Privacy Policy does not apply when you access third party websites. We cannot control how third parties may use personal information you disclose to them, so you should carefully review the privacy policy of any third-party web site you visit before using it or disclosing your personal information to its provider.

Opt-Out Options
You may opt-out of receiving communications from us. To opt-out of e-mail communications, please follow the unsubscribe options at the bottom of such correspondence or follow this link.

Changes to Privacy Policy
Please note that this Privacy Policy may change from time to time. We will post any Privacy Policy changes on this page as necessary.