This Privacy Policy replaces any privacy policy previously delivered to you or appearing on the QuickCashDirect website, any transaction agreement, or any other document previously delivered to you. If there are conflicts between this Privacy Policy and any other policy delivered to you by QuickCashDirect, the terms of this Privacy Policy shall control until revised.

QuickCashDirect is a website owned and operated by Louis Charles International L.L.C-FZ, a company registered in the United Arab Emirates.

1. Acknowledgement and Agreement

QuickCashDirect is not intended for use by individuals under the age of 18 or those who are not legal residents of the United States.

By using the QuickCashDirect website and participating in any of the QuickCashDirect services, you agree to accept the terms of this Privacy Policy. If you do not agree to the terms of this Privacy Policy, or if you are not 18 years of age or older and a valid resident of the United States, please do not use the QuickCashDirect website or participate in the QuickCashDirect services.

2. Notification of Changes to Our Privacy Practices

QuickCashDirect may update this Privacy Policy to reflect changes to our information practices. We reserve the right to change this Privacy Policy at any time.

If we make any material changes to our information practices, we will revise this Policy. You are advised to read and review this Policy each and every time you access our website and/or use any service referred to you by QuickCashDirect. Your use of the website constitutes your agreement to the terms of the effective Privacy Policy.

3. Personally Identifiable Information

We collect and combine personally identifiable information (“PII”) and non‑personally identifiable information (“Non‑PII”) through various sources.

PII includes, but is not limited to, your first and last name, address, Zip Code, city, state, length of stay at address, whether you rent or own, email address, driver’s license or state ID number, telephone numbers, contact times, date of birth, whether you are related to someone in the armed forces, income from employment or benefits, employer name, duration of employment, employer’s phone number, job title, pay frequency, pay dates, IP address and device specifications, ABA/routing number, bank account number, nature of bank account, bank name, bank phone number, duration with bank, whether you are paid by direct deposit, monthly net income, and loan amount desired.

We may also obtain information about you from third parties such as credit reports, information about your home, and demographic information. We do not pull a credit bureau report on customers without their permission.

Non‑PII is data that is not used to specifically identify, contact, or locate an individual, including but not limited to Zip Code, gender, age, or IP address.

4. About Us

This Privacy Policy is provided to you on behalf of QuickCashDirect (“QuickCashDirect” or “We” or “Our”). We operate this website. Through the Site, we operate a prospective customer database (the “Service”), which compiles, sorts, and provides contact information to businesses and networks on behalf of individual consumers who have shown an interest in applying for a business’s products or services and have affirmatively asked to be contacted.

We utilize third‑party vendors, affiliates, and a variety of media advertisements to promote our Site to consumers interested in using our Site or to supplement our database by purchasing databases of consumers who have completed applications on other websites and requested information about similar offerings.

Additionally, we advertise third‑party services through referrals and/or pay‑per‑click advertisements to which you may be redirected through our website. By using the QuickCashDirect website, you agree to our use of your PII and Non‑PII for these purposes.

We collect and retain information about you to communicate with you, process your requests for products and services, and inform you about other financial services that may be of interest to you. The examples in this Privacy Policy are illustrative only and are not intended to be exclusive.

5. GLB Act

For purposes of compliance with the Gramm‑Leach‑Bliley Act, 15 U.S.C. 6802 (the “GLB Act”), this Privacy Policy shall serve as both your initial customer relationship and annual “Privacy Notice” as defined under the GLB Act.

If you would like to opt out from the disclosure of your personal information to any third party for marketing purposes, please contact us.

6. Patriot Act

Section 326 of the USA PATRIOT ACT requires financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account.

While QuickCashDirect is not a financial institution, lenders we work with are financial institutions. When you submit information to QuickCashDirect, we will ask for your name, physical address, mailing address, date of birth, and other information that will allow us to identify you. This information will be passed on to the lender that you are connected with through QuickCashDirect.

7. Telephone Consumer Protection Act

By submitting your loan request, you are providing express written consent under the Telephone Consumer Protection Act to be contacted by each lender to whom we transmit your information, and their affiliates and service providers, by telephone at the numbers you have provided, even if your phone number is on any Do‑Not‑Call registry.

You agree to receive telemarketing calls or SMS text messages made with an automatic telephone dialing system or that use a prerecorded voice. Consent is not required in order to purchase goods and services from us or the lenders that reach out to you.

8. Opt‑Out / Opt‑In

We, our affiliates, and/or third parties may promote product and service offerings via email, SMS text message, or telephone to consumers who requested to be contacted either through our Site’s online forms opt‑in process or through an opt‑in process on our third‑party vendor or affiliate sites (“List Members”).

List Members will receive communications for as long as they wish to continue to receive such contacts. List Members can be removed from our contact lists at any time with no questions asked.

Email addresses and phone numbers received in an opt‑out request will be added to our internal Do‑Not‑Contact registry within ten (10) days following receipt. Unless we hear from you, we will assume you consent to receiving communications from us and our third‑party vendors and affiliates.

If a List Member chooses to be removed from our contact list, where applicable we will also forward this request to the specific third‑party vendor or affiliate who provided the informational request so that the List Member may be included on that third party’s Do‑Not‑Contact registry as well. QuickCashDirect is not responsible for stopping all unwanted contact from sources beyond our immediate control.

9. Minors

QuickCashDirect does not knowingly collect information from children under the age of 18. No information is knowingly collected from children or used for any purpose whatsoever, including marketing and promotional purposes.

If a parent or guardian is made aware that a child under the age of 18 has provided us with personally identifying information through any point of contact, please contact us at the email address below, and we will delete the information about the child from our files.

10. General Information Collection and Use

QuickCashDirect collects information through the Site from our prospective and existing customers at several different points on our Site.

We use contact information to send information about our company and to service existing accounts. Users may opt out of receiving future mailings; see the Opt‑Out / Opt‑In section of this Privacy Policy.

Contact and financial information that is collected is used for verifying your name, address, and other information. Not all information asked for on our site is required when you fill out our forms, but certain data is required to use our Site.

We may also obtain information about you from third parties such as credit reports, information about your home, and demographic information. We do not pull a credit bureau report on customers without their permission.

11. Cookies

A cookie is a piece of data stored on the user’s device containing information about the user. Usage of a cookie is in no way linked to any personally identifiable information while on our site.

If a user rejects cookies, they may still use our site; however, certain features may be limited. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site.

Some of our business partners use cookies on our site (for example, advertisers). However, we have no access to or control over these cookies once set on our site.

12. Links

QuickCashDirect contains links to other sites belonging to third parties. QuickCashDirect is not responsible for the privacy practices of such other sites.

We encourage users to be aware when they leave our site and to read the privacy statements of each and every website that collects personally identifiable information. This privacy statement applies solely to information collected by QuickCashDirect, even in cases where we may frame another site with our own.

13. Security

We use a variety of security technologies and procedures to help protect your personal information from unauthorized access, use, or disclosure.

For example, we store the personal information you provide on computer systems with limited access, located in controlled facilities, and we use encryption (such as SSL) when transmitting highly confidential information.

14. Disclosure

We cannot ensure that all of your private communications and other personally identifiable information will never be disclosed in ways not otherwise described in this Privacy Policy.

For example, we may be required to disclose information to the government or third parties under certain circumstances as required by law, or third parties may unlawfully intercept or access transmissions or private communications.

QuickCashDirect reserves the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our Site.

15. Sharing Information with Affiliates

When you submit your request for information or a quote, you are granting permission to be contacted by QuickCashDirect or affiliated third parties.

We may disclose all of the information we collect, as described above, to affiliated companies such as, but not limited to, banks, commercial lenders, and licensed loan brokers, to fulfil information requests, provide you with superior service, and inform you of product and service opportunities.

16. Sharing Information with Co‑Branded Partners

Some of the services offered on our website are co‑branded with contracted partners. Co‑branded offerings will be identified directly on the quote request form for the product or service you choose prior to submitting the quote request.

Where a co‑branded product or service provider is identified, your PII will be provided directly to that provider’s website and that provider’s privacy statement will govern their use of your data.

17. For California Residents

QuickCashDirect complies with applicable California privacy requirements, including disclosures about how we respond to “Do Not Track” signals and whether third parties collect PII about users when they visit our site.

We do not engage in the collection of PII about an individual consumer’s online activities over time and across third‑party websites or online services, and we do not honor “Do Not Track” signals. Users who choose to use such signals will still have access to QuickCashDirect.

18. Do Not Contact Registry Compliance

By submitting personal contact and/or financial information, the user grants written permission to QuickCashDirect, its affiliated sites, and its business partners for contact via telephone, mail, and/or email.

By registering at QuickCashDirect you are consenting to receive phone calls from QuickCashDirect, its affiliated sites, and its business partners, including lenders that may contact you regarding a loan.

19. Former Customers

We treat information about our former customers in the same manner as we treat information about our current customers.

20. Confidentiality and Security

We restrict access to non‑public personal information about you to those employees who need to know that information to provide products or services to you.

We maintain physical, electronic, and procedural safeguards that comply with applicable standards to guard your non‑public personal information against unauthorized access or use.

21. Correct / Update Information

QuickCashDirect understands the importance of protecting consumers’ personal information and the proper use of their personal information.

You may update or correct information concerning you by contacting us at the address or email listed on the Site. We will update your records when you notify us of a change.