Privacy Policy

Rev. 06/2017


FACTS WHAT DOES TARGET CASH NOW DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information. Consumers have the right to limit some but not all sharing. This notice tells 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
  • Payment history and income
  • Employment information and wire transfer instructions
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 reason Target Cash Now chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does TARGET CASH NOW 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 No We Do Not Share
For our affiliates’ everyday business purposes – information about your transactions and experiences Yes No
For our affiliates’ everyday business purposes – information about your creditworthiness No We Do Not Share
For our affiliates to market to you No We Do Not Share
For nonaffiliates to market to you No We Do Not Share
To limit our sharing
  • Call 1-800-346-9348 – our menu will prompt you through your choices or
  • Visit us on the web at www.TargetCashNow.com
  • Contact us via email at CustomerSupport@TargetCashNow.com

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 can share your information as described in this notice.

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

Questions? Call 1-800-346-9348 or go to www.TargetCashNow.com
Who we are
Who is providing this notice?

Target Cash Now, a business entity of the Fort Belknap Indian Community, is providing this privacy policy.

What we do
How does Target Cash Now protect my personal information? To protect your personal information from unauthorized access and use, we use security measures. These measures include computer safeguards and secured files and buildings.
How does Target Cash Now collect my personal information? We collect your personal information, for example, when you
  • Apply for a loan
  • Give us your income information
  • Tell us where to send the money
  • Provide account information
  • Provide employment information
We also collect your personal information from others, such as credit bureaus, affiliates or other companies.
Why can’t I limit all sharing? You have the right to limit only
  • sharing for affiliates’ everyday business purposes – information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you
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 other business entities of the Fort Belknap Indian Community
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Target Cash Now does not share with nonaffiliates so they can market to you.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Target Cash Now does not jointly market.

© TargetCashNow.com. All Rights Reserved.

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You acknowledge that by submitting and completing the loan application that you are applying for a loan. We verify loan applicant information through credit reporting agencies such as Clarity, Factor Trust, and MicroBilt. We may obtain your credit information in order to determine your eligibility and ability to repay

Please note: This is an expensive form of borrowing and is not intended to be a long term financial solution.

Target Cash Now loans are designed to assist you in meeting your emergency borrowing needs and are not intended to be a long term financial solution. Examples of emergency reasons why these loans might be used include unexpected emergencies, car repair bills, medical care or essential travel expenses.

This is a term installment loan with approximate equal payments, but you have the right to prepay at any time

Customers also have the choice of paying by ACH (ACH, debit, e-check) and non-ACH methods (direct pay through cashier's check or money order)

Target Finance, LLC is an entity formed under the laws of the Fort Belknap Indian Community (the “Tribe”), a federally-recognized and sovereign American Indian Tribe. Target Finance, LLC is wholly-owned by the Tribe. Target Finance, LLC is a licensed lender authorized the Tribe’s Tribal Regulatory Authority.

Target Finance, LLC. does business as Target Cash Now.

Target Finance, LLC does not lend to residents of Arkansas, Montana, Nevada, New York, Pennsylvania, Virginia, and West Virginia. Availability of installment loans are subject to change at any time at the sole discretion of Target Finance, LLC.

Target Cash Now reviews your information in real-time to determine whether your information meets our lending criteria. You acknowledge that by completing and submitting the website application that you are applying for a loan. We verify applicant information through national databases including, but not limited to, Clarity and Factor Trust and we may pull your credit in order to determine your eligibility and ability to repay.

If qualified, borrowers maximum loan amount is $2,500. Lender cannot approve a new loan amount that exceeds the maximum amount advertised.

* Same Day Funding Disclaimer: Same Day Funding may be limited by funding time frames and cut off times. Applications processed and approved before 4pm PST Monday – Friday are typically funded on the next business day. You can request same day wire transfer up to 2pm PST Monday – Friday or next day wire transfer for loans processed on the weekends or bank holidays. Please verify with your bank as additional incoming wire fees may be assessed.

** COLLECTION AND USE OF BANK ACCOUNT INFORMATION:

If we extend credit to a consumer, we will consider the bank account information provided by the consumer as eligible for us to process payments against. In addition, as part of our information collection process, we may detect additional bank accounts under the ownership of the consumer. We will consider these additional accounts to be part of the application process.

*** For underwriting and verification purposes only. We always obtain prior separate customer authorization when trying to obtain additional consumer bank account information as a potential payment options.

© Target Finance LLC 2012-2018 v20150107