PRIVACY

 

FACTS

WHAT DOES  NEXT EPIC HOLDINGS LLC (“COMPANY””) DO WITH YOUR PERSONAL INFORMATION

 

 

Why?

Financial companies choose how they share your personal information.  Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.  Please read this notice carefully to understand what we do.

 

 

What?

The types of personal information we collect and share depend on the product or service you have with us.  This information can include:

§  Social Security number and checking account information

§  transaction history and income

§  credit history and assets

 

 

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons COMPANY chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does the Company   share?

Can you limit this sharing?

For our everyday business purposes –

such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes –

to offer our products and services to you

Yes

No

For joint marketing with other financial companies

Yes

No

For our affiliates’ everyday business purposes –

information about your transactions and experiences

Yes

No

For our affiliates’ everyday business purposes –

information about your creditworthiness

Yes

Yes

For our affiliates to market to you

Yes

Yes

For non-affiliates to market to you

Yes

Yes

To limit our sharing

Call the Company at 803-279-3445  Or Email:  internet@nextepicdirectlender.co – or our menu will prompt you through your choice(s)

Please note:

 

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions

Call 803-279-3445.  Or Email:  internet@nextepicdirectlender.co 

         

 

Who are we

 

Who is providing this notice?

Lenders, creditors, and financial service providers operating under the Next Epic Holdings LLC name as set forth below

What do we do

How does the Company protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law.  These measures include computer safeguards and secured files and buildings.

 

How does the Company collect my personal information?

We collect your personal information, for example, when you

§  apply for a loan or make a wire transfer

§  apply for insurance or show us your government issued ID

§  pay your bills

 

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

§  sharing for affiliates’ everyday business purposes – information about your creditworthiness

§  affiliates from using your information to market you

§  sharing for non-affiliates to market you

State laws and individual companies may give you additional rights to limit sharing.  See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

 

 

 

Definitions

Affiliates

Companies related by common ownership or control.  They can be financial and nonfinancial companies.

§  Our affiliates include financial companies operating under the Next Epic Holdings LLC or its affiliates

Non-affiliates

Companies not related by common ownership or control.  They can be financial and nonfinancial companies.

§  Non-affiliates we share with can include lenders; banks; collection agencies; check-cashers; tax preparers; brokers; pawnbrokers; rent-to-own, mortgage and insurance companies; and retailers.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

§  Our joint marketing partners include lenders; banks; tax preparers; brokers; pawnbrokers; mortgage companies; and retailers.

 

 

 

IMPORTANT NOTICES AND DISCLOSURES

  • An advance of money obtained through this site is not intended to meet long-term financial needs. A short-term loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.
  • Loans obtained from the Companies affiliated with this website are for short term financial needs only and not intended as a long-term financial solution. A short term loan such as an installment loan, line of credit, cash advance, credit plan agreement, or cash advance are short-term loans given to the borrower for a short period of time. Borrowers with debt and credit difficulties should seek out professional financial advice.
  • The Website does not constitute an offer or solicitation to offer a loan.
  • You are under no obligation to apply for credit or accept the terms of any loan and you will not be charged any fees unless you accept and sign a loan or credit plan on the terms set forth in the Agreement.
  • The rates and terms will vary by individual and by state for each loan or cash advance and may NOT be available in some states.
  • Due to state and verification requirements, not all applicants for online loans may be eligible for instant approval by the Companies affiliated with this website. You may be required to submit additional documentation.
  • We do not perform traditional credit checks as part of our credit transaction approval process, but do verify applicant information via national databases including, but not limited to, Tele-Track and CL Verify. If you have defaulted on past transactions, you may be declined for a cash advance from this lender.
  • The locations and Companies referred to on this Website may included several different Companies and entities, and not all locations and companies are affiliated with Direct Lenders.
  • Interest, post maturity interest, NSF fees, and late fees may result from non-payment. Your financial institution may also charge you additional fees for insufficient funds.
  • The Company complies with applicable collection laws. In some states, customers may obtain a payment plan. The Company will contact you using one or more authorized communication methods.
  • There may be fees associated with renewals or extension of your loan depending on your state and type of loan. Your loan will not renew automatically. If applicable in your state, a renewal depends on the Company's underwriting criteria.
  • Funds are available into your account generally the next business day after your application is approved (not pre-approved).
  • A "pre-approval" does not mean that you will receive a loan. For final approval, you must meet certain criteria and verifications.
  • Company Refund Policy. If there is an error regarding a withdrawal from your account Direct Lenders will review and refund within five (5) business days. If written notice is received regarding an error, Direct Lenders will review and respond within 30 days. Please note that Direct Lenders reserves the right to offset any refund against any payments due on your account.