Privacy Policy

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WHEN YOU ACCESS THE WEBSITE, YOU AGREE TO THIS PRIVACY POLICY. IF YOU DO NOT AGREE TO THIS PRIVACY POLICY, OR TO ANY CHANGES WE MAY SUBSEQUENTLY MAKE, YOU SHOULD STOP ACCESSING THE WEBSITE.

We are Speedy Cash, Inc., Speedy Cash of Savannah, Inc. and Lynn Financial, LLC, each of which conducts business under the name “Lending Bear” (collectively, the “Company,” “we,” “us,” or “our”).  Your privacy is important to us, which is why we have developed this Privacy Policy to explain our practices regarding the use and disclosure of personally identifiable information we obtain online from users of this website located at www.LendingBear.com and related webpages and content that we own or control (collectively the “Website” or “Site”).

1. Collecting Information

In general, we avoid collecting any personally identifiable information from a user of our Website unless that user provides such information or such information is provided to us by someone else. For example, you might be asked to voluntarily give your name, postal address, email address, phone number, credit card Information, bank account and debit card information to us when you use certain features or services on our Website, provide feedback on our services or apply for services or for a job online. We may also collect and store statistics and other information about the online activities of our visitors on an aggregate basis.

2. How We Collect Information About You

We generally collect information through the Website in three ways:

• We collect information that our customers or visitors (including you) to the Website supply to us.
• We collect information from emails and other contacts sent to us by you, other customers and users of the Website.
• We collect information electronically on all customers and other users of the Website by means of cookies.

3. Types of Personal Information We May Collect on the Website

A. Information About Website Activities:

Every time you use the Website to apply for or use services or use other parts of the Website, we may collect information about your online session.

To obtain services from the Website, you may be required to provide us with your full legal name, email address, full street address including city, state and zip code, and telephone number. And, to obtain certain services from the Website, you may also be required to choose a username and /or password and provide those to us.

B. Information From Promotions:

We, or third-party merchants, vendors and others we may be working with (each a “Third Party Promoter”) may offer users of the Website special offers, contests or other promotions (each a “Promotion”) for our or third party products or services.  You are under no obligation to respond to or to participate in any Promotion but, if you do, you may be required to provide additional information (such as your birth date and whether you or anyone in your household is employed by the Third Party Promoter) to verify your eligibility for participation in the Promotion. For a given Promotion, the information you provide may be governed by the Third Party Promoter’s privacy policy rather than our Privacy Policy, so you should read carefully any official rules or guidelines for each Promotion.

4. Sharing and Disclosure of Information

 We may use and disclose your personal information collected through your use of the Website to unrelated third parties: (a) to conform to legal requirements or to respond to a subpoena, search warrant or other legal process received by us; (b) to enforce our Terms and Conditions or to protect our rights; (c) to protect the safety of others, including other users of the Website; or (d) with your consent in a particular instance.

We reserve the right to transfer, disclose or sell user information collected through the Website, including user personal information, for other business reasons of ours (including in connection with an assignment of our rights covered under the paragraph below captioned “Assignment”).

We also reserve the right to change the manner of our use and disclosure in accordance with Section 10 — “Changes in Our Privacy Policy” below.

5. Children’s Privacy and Age Limitations for the Website

The Website is intended for use by persons aged 18 or older, and by your use of this Website you affirm that you are at least 18 years of age.  We do not knowingly collect personally identifiable information from children under the age of 18. If we discover or are made aware that we have received personally identifiable information from an individual who indicates that he or she is, or whom we otherwise have reason to believe is, under the age of 18, we will delete such information from our systems.  If you are a parent or guardian of a child under the age of 18 and believe he or she has disclosed personally identifiable information to us please contact us as provided below.  In any such event, a parent or guardian of a child under the age of 18 may review and request deletion of such child’s personally identifiable information as well as prohibit the use thereof.

Please also see the additional disclosures in Section 8 below captioned “Additional Notices to California Residents — Content Removal Requests for Users Under 18 Years Old”.

6. Use of Cookies

Like many websites, the Website uses “cookies”, which are small strings of data placed on users’ personal computer hard drives during the exchange of data that happens when your browser points to our Website. Among other things:

• Cookies enable a website to identify a user’s browser as a previous visitor by means of a unique string of numbers assigned on a previous visit;
• Cookies assist us in collecting information on the pages of our Website that you access or visit, and in recording any preferences you indicate for use on our Website;
• If you are browsing our website, a cookie identifies your browser and Website user ID and internet protocol number of your computer or other access device (but not your personal identity); and
• If you place orders with us, we use cookies to assist in storing your preferences and recording other session information (a “session” is a single visit by you to one of our Website).

7. California Do-Not-Track Disclosure

At this time, the Website is not set up to honor web browser do-not-track settings.

8. Additional Notices to California Residents

 Information on Marketing Disclosures

California Civil Code Section 1798.83 permits our users who are California residents to request and obtain from us once a year, free of charge, information about the personal information (if any) we disclosed to third parties for direct marketing purposes in the preceding calendar year. If applicable, this information would include a list of the categories of personal information that was shared and the names and addresses of all third parties with which we shared information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to us at Lending Bear, 12276 San Jose Boulevard, Suite 534, Jacksonville, Florida 32223.

Content Removal Requests for Users Under 18 Years Old

If you are a user under 18 years of age and reside in California, you may request and obtain removal of, content or information that you have posted on the Website.    You may send us any such requests by one of the following methods: (i) by email (writing “Privacy Policy – Removal Request” in the subject line) at customerservice@LendingBear.com; or (ii) by writing to us at 12276 San Jose Boulevard, Suite 534, Jacksonville, Florida 32223.  We will review the request and respond promptly.  You should be aware that a request to remove content or information posted by you on the Website does not ensure or require complete or comprehensive removal of such content or information from our databases.

9. Links to Other Websites

The Website may contain links to other websites, applications and services maintained by us, our affiliates and/or by third parties that may not follow the same privacy policies as applicable to the Website.  These other websites, applications and services may use cookies, collect data and use the data in ways that are different from the way in which we use the information collected through the Website. When linking to another website, you should read that website’s privacy policy. Our Privacy Policy only governs information collected on or through the Website.

10. Changes in Our Privacy Policy

We reserve the right to modify this Privacy Policy at any time, and any modifications made will be effective immediately upon posting, so you should check this page for any changes.  We will post at the top of this Privacy Policy the date that modifications were last made, which should alert you to any changes since your last visit to the Website.  Your continued use of the Website is your agreement to the revised Privacy Policy.

11. Assignment

We may assign our rights and duties under this Privacy Policy, including, without limitation, our rights in information collected through the Website, to any third party at any time without notice to you, and such assignment rights shall include the ability to make an assignment in connection with any sale, merger, acquisition, divestiture or liquidation of all or part of our business or assets related to the Website, all or substantially all of our business or assets, or as part of any reorganization or restructuring of our business.

12. Your Questions and Concerns

If you have questions or concerns regarding this Privacy Policy or our privacy practices, please send us an email (writing “Privacy Policy” in the subject line) at customerservice@LendingBear.com; or write to us at 12276 San Jose Boulevard, Suite 534, Jacksonville, Florida 32223.  We will use reasonable efforts to promptly look investigate any concern.