Privacy Policy

Your privacy is very important to us. This privacy policy of describes the information that we gather from you, how we use and share that information, and what we do to protect the information that you provide to us during your use of our services and/or when you visit our website, ("The Website").

Your use of The Website and/or your use of services constitutes your agreement with this privacy policy. This privacy policy was last updated on August 22, 2013.

Through your use of services and the Website, collects both "Personally Identifiable Information" and "Non-Personally Identifiable Information", which are defined below.

Collection of Your Personally Identifiable and Non-Personally Identifiable Information

We collect "Personally Identifiable Information", which is information that may identify a particular person, when you provide that information to us through your use of the Website and through your use of our services. For example, by completing the required application form or forms to apply for pay day loan services, or by sending us questions via The Website, the types of Personally Identifiable Information that we may collect include, without limitation: (a) your full name; (b) mailing address; (c) e-mail address; (d) home, work and mobile telephone numbers and the best time to call you; (e) date of birth; (f) whether or not you are a US citizen; (g) whether or not you are over eighteen (18) years of age; (h) whether or not you or a spouse are a regular or reserve member of the military; (i) your time at your current residence; (j) whether or not you rent or own your home; (k) Information about your employment, including your salary and occupation; (l) the loan amount requested; (m) your social security number (n) information about your bank accounts; (o) your drivers license or state ID number; (p) the anticipated dates of your next two (2) paychecks; (q) the names, telephone numbers and source of relationship of two (2) personal references; and (r) any and all other information requested on the applicable registration form. For purposes of this Privacy Policy, items (k) through (q) in the preceding sentence shall be considered Sensitive Information.

Please note that we begin collecting personally identifiable information once you otherwise agree to the terms of this Privacy Policy and subsequently press a submit button, even if you do not complete the applicable registration process in full.

We also collect "Non-Personally Identifiable Information", which is information that cannot be associated with a particular individual. The types of Non-Personally Identifiable Information that we collect include:

  • The IP address of the computer through which you access our services online
  • The browser type and language that you use
  • Information about areas of our Internet site that you visit
  • Information about the link or links that you may have used to visit our site

This Non-Personally Identifiable Information may be collected automatically and directly through our use of "cookies" or through our use of third party tracking software. A "cookie" is a small text file that is placed on your hard disk by a web page server. Cookies help provide additional functionality to the Website or help analyze usage of its site more accurately. In all cases when cookies are used we will not collect information that directly identifies you.

You have the ability to accept or decline cookies. Most Web Browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies, or receive a warning before a cookie is stored on your computer's hard drive. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Website. will provide this Non-Personally Identifiable Information, in summary form only, to its suppliers and other third party service providers for the purpose of website statistical and trend analysis. may also share this Non-Personally Identifiable information with third parties, such as advertising partners and short-term loan lenders, to display advertisements on our website. These companies may use tracking technology, including cookies, to collect information about users of our website who view and interact with these advertisements. The collection, use, disclosure and security of information collected by third parties are subject to the privacy policies of those third parties, and are not subject to this privacy policy. You should ensure that you check the legal and privacy statements posted on each third party website that you link to through The Website before you enter any Personally Identifiable Information through those third party websites. is not liable, either directly or indirectly, for how these third party websites treat your Personally Identifiable Information.

Use of Personally Identifiable Information

By submitting your personal information on the Site, you agree that we may share such personal information (including the Sensitive Information) with Third Party Providers in order to complete your request for Loan Products and Information from such Third Party Providers, and that they may use such personal information for any lawful purposes, subject to any restrictions contained herein. Any information that you supply to any Third Party Providers shall be governed by the applicable Third Party Providers privacy policies. Please be advised that does not itself provide Loan Products and Information, or any other related products and/or services. The ultimate terms and conditions of any Loan Products and Information provided by any Third Party Providers will be determined by those Third Party Providers.

We may sell, rent, lease or otherwise provide the personal information (other than the Sensitive Information) that you supply to us to or with any third party and we may work with other businesses to bring selected retail opportunities to our users. These businesses and third parties may include, but are not limited to: (a) providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation; (b) e-mail marketers; (c) telemarketers (where permitted by applicable law); (d) SMS text-based marketers (where permitted by applicable law); and (e) direct marketers.

We may also employ other companies and individuals to perform certain functions on our behalf. Examples include sending direct and electronic mail, removing duplicate information from user lists, analyzing data and providing marketing analysis. The agents performing these limited functions on our behalf shall have access to our users. personal information as needed to perform their functions for us but we do not permit them to use your personal information for other purposes.

We will also use your personal information for customer service, to provide you with information that you may request, to customize your experience on the Site and/or to contact you when necessary in connection with transactions entered into by you on the Site. We may also use your personal information for internal business purposes, such as analyzing and managing our business. We may also combine the information we have gathered about you with information from other sources. We may use third parties to help us operate our business and the Site or to administer activities on our behalf.

We also reserve the right to release current or past user information in the event that we believe that the user is using, or has used, our products, services and/or Site: (i) in violation of the Site.s Terms and Conditions, this Privacy Policy or any other of our operating rules, policies, price schedules and other supplemental terms and conditions or documents that may be published by us from time to time; (ii) to commit unlawful acts; (iii) if such information is subpoenaed or requested pursuant to a judicial or regulatory proceeding or inquiry; (iv) if we are sold or acquired; and/or (v) when we deem it necessary or appropriate including, without limitation, sharing your e-mail address with other third parties for suppression purposes in compliance with the CAN-SPAM Act of 2003, as amended from time to time, and Federal Trade Commission implementing regulations.

By registering at the Site, you agree that such act constitutes an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule, as amended from time to time (the Rule.) and applicable state do-not-call regulations. As such, notwithstanding that your telephone number may be listed on the Federal Trade Commission.s Do-Not-Call List, and/or on applicable state do-not-call lists, we retain the right to contact you via telemarketing in accordance with the Rule and applicable state do-not-call regulations.

In addition, by submitting your personal information at the Site, you agree to receive mobile marketing including, but not limited to, text-message based marketing, from us and our third party advertisers and marketers (where, and to the extent that, such marketing is permitted by applicable law). As such, notwithstanding that your mobile telephone number may be listed on state and/or federal Do-Not-Call registries, we retain the right to contact you via text-message based marketing in accordance with applicable state and federal law. Further, you agree that we reserve the right to share, sell, rent, lease and/or otherwise distribute your mobile telephone and other mobile data with/to any third-party for any and all non-marketing uses permitted by this Privacy Policy and applicable law.

Detailed Wireless Policy: If you opt-in to receive any text messages in connection with your transaction with us, you are providing consent to use personal information to provide the services you have requested, including those that display customized content and advertising. Your provider's standard messaging rates apply to our SMS (Short Message Service) messages. You may opt-out and remove your SMS approval for additional messages by sending "STOP", "END", "CANCEL", "UNSUBSCRIBE", "REMOVE", "QUIT" or "STOPALL" to the SMS text message you have received. If you remove your SMS information from our database, your number will no longer be used for secondary purposes, disclosed to third parties, or used by us or third parties to send promotional correspondence to you.

Data obtained from you in connection with this SMS service may include your name, address, cellphone number, your providers name, the date and time, and content of your messages. We will not be liable for any delays in the receipt of any SMS messages, delivery is subject to effective transmission from your network operator. SMS message services are provided on an AS IS basis.

Without limiting the generality of the foregoing, we reserve the right to share, sell, rent, lease and/or otherwise distribute any and all personal information (other than the Sensitive Information) with/to any third party for any and all uses permitted by this Privacy Policy and applicable law.

Responses to Legal Requests for Your Personally Identifiable Information is interested in protecting its customers and the community at large. To this end, will release Personally Identifiable Information to legal authorities when believes that it is appropriate to do so and in order for to comply with its legal obligations. will release your Personally Identifiable Information to third parties in compliance with a court order, search warrant and/or subpoena or other similar investigative demand, as well as on request from a law enforcement or other government agency. will release your Personally Identifiable Information in order to establish or exercise's legal rights, and in order to defend against any legal claims. will also disclose your Personally Identifiable Information if believes that such disclosure is necessary to investigate, prevent, or take action regarding illegal activity, such as suspected fraud or wrongdoing, and in order to protect and safeguard the legal rights of, its employees, its customers and its third party business partners.

California Residents Privacy Rights Notice

If you are a California Resident, will, upon your written request to the address provided below, provide you with 1) a description of the categories of Personally Identifiable Information shares with third parties or corporate affiliates for those third parties, and 2) a list of third parties and their affiliates to whom Personally Identifiable Information was shared, along with their names and addresses. In your request, please specify that you want a "California Privacy Rights Notice". will provide you with its response to your request within thirty (30) days of the receipt of your request.

If you are a California resident, then by providing with your Social Security Number as part of your loan application, you are deemed to consent to the use of their Social Security Number with third party service providers for the evaluation of your loan application.

Changes to this Privacy Policy

This privacy policy may be revised by at any time without prior notice to you. Changes to this privacy policy will be posted on The Website, and you should review this privacy policy each time you access this website. All minor amendments to this privacy policy will be deemed amended at the time of posting the amended policy on The Website. Any material changes to this privacy policy will be prominently posted on The Website via a link on the website's home page, and any such changes will automatically come into effect thirty (30) days after they are posted on The Website.

Accessing Your Personally Identifiable Information

If you would like to review and/or request changes to your Personally Identifiable Information that we have collected about you through your use of the Website and services, please contact us in writing at the address listed below.

Minors does not knowingly collect the Personally Identifiable Information of anyone under the age of eighteen (18). If discovers that it has collected Personally Identifiable Information from anyone under that age, it will immediately delete that information.

Security of Personally Identifiable Information

To prevent unauthorized access, maintain data security and ensure the correct use of Personally Identifiable Information that you provide to, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and prevent unauthorized access to the information that we collect from you. For example, only authorized employees and authorized third parties are permitted to access your Personally Identifiable Information. As well, has put in place encryption in order to protect Personally Identifiable Information that you provide to online.

Third Party Websites

The Site may provide and/or refer you to links to other Internet websites and/or resources including, but not limited to, websites operated by Third Party Providers. Because has no control over such third party websites and/or resources, you hereby acknowledge and agree that is not responsible for the availability of such third party websites and/or resources. Furthermore, does not endorse, and is not responsible or liable for, any terms and conditions, privacy policies, content, advertising, services, products and/or other materials at or available from such third party websites or resources, or for any damages and/or losses arising therefrom.


Should you have any questions or concerns about this privacy policy, please contact at the following email address: privacy [at] or via mail at:

Corregimiento de Ancon
Calle Ruben
Dario, Office Park
Building #40
Panama, Panama