“Personal Information” is information that is personally identifiable like names, addresses, e-mail addresses, or phone numbers, as well as other non-public information associated with the foregoing.
“Anonymous Information” means information that is not associated with or linked to your Personal Information; Anonymous Information does not permit the identification of individual persons.
Personal Information We Collect
We collect Personal Information that you submit to us voluntarily through our Website, the use of our Service, and through online and offline communications between you and Pawngo.
When you apply for a Pawn Loan, you provide your name, e-mail address, telephone numbers, and home address. If you wish to enter into a Pawn Loan, we ask you to provide additional information, including your birthdate, photo identification information, a description of your intended Pawn Loan Property, and a signed Declaration of Ownership of such Property. If you wish to use an automated clearinghouse (ACH) service to receive payments, we collect your bank account number and routing information that you provide to us in electronic form or by sending us a voided check.
We may collect and develop additional information about you and your intended Pawn Loan Property during the course of our communications (by telephone, e-mail, or postal mail) and during our evaluation of your intended Pawn Loan Property, and may associate such information with the Personal Information you provide.
When you contact us by sending us an e-mail, we will collect your e-mail address and any information contained in the message you send us.
Personal Information Collected Via Technology
As you use the Service, certain information may also be collected passively, including your Internet protocol (IP) address and the browser that you use to visit the Website. Pawngo also stores a small text file called a “Cookie” on your computer to store your login information (if any) and your personal preferences for the Service. Pawngo may use both session Cookies (which expire once you close your web browser) and persistent Cookies (which stay on your computer until you delete them).
Since the foregoing information may be collected when you are signed in to the Service, this information may be associated by us with Personal Information that we have collected from you.
Personal Information From Other Sources
We may receive Personal Information about you from other sources like telephone or fax, or from third parties that provide services for us in connection with the Service. Pawngo will associate this information with your Personal Information. For example, we may receive identity verification information from our service providers to confirm your identity as part of the registration process. We may add this information to the information we have already collected from you via the Service.
Use of Information We Collect
We use your Personal Information to provide the Service to you, to respond to requests that you make, to improve the Service, and to offer you additional information, opportunities, and functionality. We will use the e-mail and postal address you provide to communicate with you and provide you necessary documentation relating to the Pawn Transaction. We may also communicate with you by telephone using the telephone number you provide in your Member account. For example, in the event that you send us intended Pawn Loan Property and later decide not to complete the related Pawn Loan, we will return the Property to you to the postal address you provide, and may contact you by telephone to discuss the incomplete Pawn Loan.
We may also use your Personal Information to provide you with promotional e-mails, and may contact you by telephone from time to time either directly or in partnership with other vendors or service providers. You may opt out of receiving these messages as described below.
We may create Anonymous Information records from Personal Information by excluding information (such as your name) that make the information personally identifiable to you. We may use this Anonymous Information to analyze usage patterns so that we may enhance the Service. We reserve the right to use, and disclose Anonymous Information to third parties, in our discretion.
Disclosure of Personal Information
We may provide your Personal Information to third party service providers that provide services to us or for us in connection with the Service. However, these service providers do not have any independent right to disclose this Personal Information except to help us provide the Service or as required to comply with applicable law.
Choices Regarding Personal Information
When you receive promotional e-mails from us, you may indicate a preference to stop receiving such communications from us and you will have the opportunity to "opt-out" by following the instructions in the applicable e-mail. If we contact you by telephone for promotional purposes, you may notify us at that time if you do not wish to receive further promotional telephone communications.
You may change certain of the Personal Information in your Member account by logging in to your Member account and editing it, provided that it remains accurate, complete, and up to date.
You may request that Pawngo delete or destroy your Personal Information. We will delete or destroy any Personal Information that we have collected about you, provided there is no ongoing Pawn Transaction and solely to the extent permitted by law. When we delete electronic information that we have collected from or about you, it will be deleted from our active databases but may remain in our archives.
Links to Other Websites
Pawngo has put in place commercially reasonable and appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online. For example, we will use Secure Socket Layer (SSL) technology (or comparable technology), including 128-bit encryption, to provide security for sensitive transmissions of Personal Information to our Website. Our servers are located in a secure facility, protected by 24/7 security guards and biometric scanners, and, among other procedural safeguards, we restrict access to Personal Information about you to those employees who need to know such information to provide services to you. Although Pawngo will implement and follow these measures to protect against unauthorized access (whether electronic or physical) to your Personal Information, no company, including Pawngo, can fully eliminate security risks associated with Personal Information and we cannot guarantee that unauthorized access to your information will never occur. Pawngo has received the VeriSign security seal.