Privacy Policy

S.O.S. MoneyCall is committed to safeguarding the individual privacy rights of all of its customers. S.O.S. MoneyCall strongly believes that it has a responsibility to protect from disclosure to any unauthorized parties, your nonpublic and personal information. This policy applies to each and every customer. Therefore, S.O.S. MoneyCall has adopted and implemented this privacy policy to protect your account and your personal information. As our customer, we collect and receive nonpublic personal information about you. This includes information such as your name, Social Security Number, birth date, assets, and income.

Information Collection

S.O.S. MoneyCall will collect the following kinds of nonpublic personal information about you:

Information we receive from you on applications or other forms, such as your name, date of birth, contact information, income and obligations;
Information we receive from you about your transactions with us, our affiliates, or others, such as prior loans, terms, payoffs, and payment history;
Information we receive from consumer reporting agencies, such as your credit history and credit worthiness; and
Information we receive as a result of verifying your information with non-affiliated third parties, such as employment history and loan balances.

No Information Sharing Policy

We do not disclose any nonpublic personal information that we collect about our customers or former customers, as described above, to anyone, except as permitted by law.

USA Patriot Act

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens a loan account. What this means to you: When you open a loan account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents.
The information being requested and observed is for compliance with the requirements of Section 326 of the USA Patriot Act implementing customer identification and verification requirements. This information in no way will be used in making the credit decision on your completed application.

Security Policy

Securing of a customers' nonpublic personal information is very important to S.O.S. MoneyCall and our employees must sign a privacy pledge acknowledging that that they are aware of S.O.S. MoneyCall's policy regarding the use of and disclosure of customer information. Furthermore, S.O.S. MoneyCall has implemented various security measures to protect our customers' personal information from loss, misuse, or alteration. When customers send their personal identifying information to S.O.S. MoneyCall via the S.O.S. MoneyCall website, S.O.S. MoneyCall requires that a secure session be established first, using Secure Socket Layer (SSL) technology supporting up to 256-bit encryption to prevent unauthorized persons from viewing any private information being transmitted during your application process. Information transmitted between the S.O.S. MoneyCall server and your computer must be sent only while in a secure mode or S.O.S. MoneyCall will have no responsibility for any loss or exposure of personally identifying information to unauthorized third parties during a secure SSL session, data passed between the customer's computer and S.O.S. MoneyCall servers are secured through the use of public key cryptography. The customer's computer exchanges key information with S.O.S. MoneyCall servers to create a private conversation that only the customer's computer and S.O.S. MoneyCall servers may understand. To benefit from SSL protection, customers must use a browser with SSL capabilities. This method of information transfer will apply when the customer is entering in personal information, execution of and submittal of the online promissory note, for validation and verification purposes during your communications through our server and processing systems.

While using the S.O.S. MoneyCall website, customers will be notified upon entering and leaving a secured session, unless the setting is turned off on the customers' browser. After leaving a secured session, information transmitted to S.O.S. MoneyCall will not be secure. For security purposes, S.O.S. MoneyCall uses special software programs to monitor web site traffic and to identify unauthorized attempts to upload or change information or otherwise to cause damage to S.O.S. MoneyCall websites. These programs do not collect personally identifying information about customers, but do enable S.O.S. MoneyCall to collect information allowing S.O.S. MoneyCall to identify website users attempting to tamper with S.O.S. MoneyCall websites. S.O.S. MoneyCall has policies in place against the misuse, misappropriation, unauthorized access, tampering, damage, destruction, or unlawful utilization of S.O.S. MoneyCall websites and computer systems and will seek the maximum enforcement of state, federal, and international criminal and civil laws against any individual engaging in such activity. Please note that when customers send electronic mail messages (e-mail) to S.O.S. MoneyCall, the customers' messages will contain the customers' return e-mail address. Thus, S.O.S. MoneyCall may utilize customers' e-mail addresses in responding to customer inquiries and the content of customers' e-mail in formulating a response. S.O.S. MoneyCall will permanently record and store any substantive e-mail received from its customers. Customer e-mail sent to S.O.S. MoneyCall is not necessarily secure against interception. Do not initiate communication with S.O.S. MoneyCall by email if your communication will include nonpublic personal information like your Social Security Number, bank account number, or other personally identifying information that you wish to protect. Although S.O.S. MoneyCall strives to protect and secure information submitted to it over the internet, your use of this website is strictly at your own risk. S.O.S. MoneyCall makes no representations that it can guarantee the security of any information sent by the users of this website during an unsecured session. S.O.S. MoneyCall protects the security of its servers but cannot be responsible for any virus, spy ware, ad ware, malicious codes and /or hacker activity that may result in damage to your computer or theft of your identifying information.

Additional Security Feature of Shared Secrets

Shared secrets are a security method for accessing confidential information. A shared secret is something known only to the user and the holder of the confidential information. Shared secrets usually consist of a user ID and password. These shared secrets allow the user to log into the site of the holder of confidential information such as a Credit Card issuer or financial institution. Shared secrets are necessary for a safe and dependable online authentication procedure. In order to minimize potential compromise of your shared secrets, you should create passwords that are a combination of both letters and numbers.

Information Retention Policy

S.O.S. MoneyCall will maintain electronic and hardcopy loan application information for funded/closed/withdrawn and declined loans for a period of years in accordance with all mandated federal and State Laws. If you would like to receive copies of any such information, you must notify S.O.S. MoneyCall in writing with your request so that the proper authentication and forwarding information can be verified.