CFS Investments DBA Champion Financial Services Detailed Privacy Notice for US Website Users

Information for US Residents

At CFS Investments DBA Champion Financial Services (“we,” “us,” or “our”), we collect and use Personal Data in compliance with applicable consumer privacy laws, including those of California, Utah, and Virginia (“US Privacy Laws”). This notice supplements our general Privacy Policy, available at https://championcashloans.com/privacy-wireless-policy/ , and specifically applies to users residing in the United States (“you” or “your”).

For the purposes of this notice, “Personal Data” refers to any information that is linked or can reasonably be linked to an individual or household. This does not include:

  • Publicly available data.
  • Deidentified or aggregated information.
  • Data excluded from the scope of US Privacy Laws.

This notice provides details on:

  • Categories of Personal Data we collect.
  • The purposes for which we use this data.
  • Categories of Personal Data disclosed to third parties.
  • Types of third parties to whom we disclose Personal Data.
  • How US residents can exercise their privacy rights under US Privacy Laws, including:
    • Accessing, correcting, or deleting Personal Data.
    • Requesting a portable copy of your data.
    • Limiting the use of sensitive Personal Data in certain contexts.
    • Opting out of targeted advertising, data sales, or profiling.
    • Appealing decisions related to your data requests.

Non-Sensitive Personal Data

We collect the following categories of non-sensitive Personal Data from various sources, including direct interactions with you, affiliates, business partners, advertising partners, and data brokers:

  1. Identifiers
    • Examples: names, driver’s license numbers, state identification card, passport numbers, addresses, social security numbers, date of birth, and browsing history.
    • Purpose: Compliance with statutory requirements related to financial services.
    • Targeted Advertising: We may disclose this information with advertising partners for targeted advertising purposes.
    • Disclosures: This information may be disclosed to Processors, Affiliates, and Business Partners. We disclose Identifiers to enable our processors to provide financial services to consumers. Verifying customer information, etc.), debugging financial products and/or services, and conducting research and development to improve financial products/services.
    • Retention: At least five years.
  2. Personal Characteristics
    • Examples: Employment history, salary and hashed email address.
    • Purpose: Compliance with statutory requirements related to financial services.
    • Targeted Advertising: We may disclose this information with advertising partners for targeted advertising purposes.
    • Disclosures: This information may be disclosed to Processors, Affiliates, and Business Partners. We disclose Identifiers to enable our processors to provide financial services to consumers. Verifying customer information, etc.), debugging financial products and/or services, and conducting research and development to improve financial products/services.
    • Retention: At least five years.
  3. Commercial Data
    • Examples: Consumer credit history, purchasing activity.
    • Purpose: Compliance with statutory requirements related to financial services.
    • Targeted Advertising: We may disclose this information with advertising partners for targeted advertising purposes.
    • Disclosures: This information may be disclosed to Processors, Affiliates, and Business Partners. We disclose Identifiers to enable our processors to provide financial services to consumers. Verifying customer information, etc.), debugging financial products and/or services, and conducting research and development to improve financial products/services.
    • Retention: At least five years.
  4. Internet or Electronic Activity
    • Examples: App usage, browsing data.
    • Purpose: Compliance with statutory requirements related to financial services.
    • Targeted Advertising: We may disclose this information with advertising partners for targeted advertising purposes.
    • Disclosures: This information may be disclosed to Processors, Affiliates, and Business Partners. We disclose Identifiers to enable our processors to provide financial services to consumers. Verifying customer information, etc.), debugging financial products and/or services, and conducting research and development to improve financial products/services.
    • Retention: At least five years.
  5. Imprecise Geolocation Data
    • Examples: General location information derived from IP addresses.
    • Purpose: Compliance with statutory requirements related to financial services.
    • Targeted Advertising: We may disclose this information with advertising partners for targeted advertising purposes.
    • Disclosures: This information may be disclosed to Processors, Affiliates, and Business Partners. We disclose Identifiers to enable our processors to provide financial services to consumers. Verifying customer information, etc.), debugging financial products and/or services, and conducting research and development to improve financial products/services.
    • Retention: At least five years.
  6. Sensory Data
    • Examples: Audio or visual data (e.g., recordings).
    • Purpose: Compliance with statutory requirements related to financial services.
    • Targeted Advertising: We may disclose this information with advertising partners for targeted advertising purposes.
    • Disclosures: This information may be disclosed to Processors, Affiliates, and Business Partners. We disclose Identifiers to enable our processors to provide financial services to consumers. Verifying customer information, etc.), debugging financial products and/or services, and conducting research and development to improve financial products/services.
    • Retention: At least five years.
  7. Professional Data
    • Examples: Job titles or professional affiliations.
    • Purpose: Compliance with statutory requirements related to financial services.
    • Targeted Advertising: We may disclose this information with advertising partners for targeted advertising purposes.
    • Disclosures: This information may be disclosed to Processors, Affiliates, and Business Partners. We disclose Identifiers to enable our processors to provide financial services to consumers. Verifying customer information, etc.), debugging financial products and/or services, and conducting research and development to improve financial products/services.
    • Retention: At least five years.
  8. Inferences
    • Examples: Insights derived from user activity.
    • Purpose: Compliance with statutory requirements related to financial services.
    • Targeted Advertising: We may disclose this information with advertising partners for targeted advertising purposes.
    • Disclosures: This information may be disclosed to Processors, Affiliates, and Business Partners. We disclose Identifiers to enable our processors to provide financial services to consumers. Verifying customer information, etc.), debugging financial products and/or services, and conducting research and development to improve financial products/services.
    • Retention: At least five years.

Sensitive Personal Data

Sensitive Personal Data is collected by CFS Investments DBA Champion Financial Services with your explicit consent when required by law. We collect data from various sources, including direct interactions with you, interferences from your activity using our services, from our affiliates and business partners.

  1. Communication Data
    • Examples: Content of communications, financial details, government-issued ID data.
    • Purpose: Compliance with statutory obligations, targeted advertising, and product improvement.
    • Targeted Advertisement: We may disclose this information with advertising partners for targeted advertising purposes.
    • Disclosures: Shared with processors and affiliates but not sold to third parties.
    • Retention: At least five years.
  2. Financial Data
    • Examples: Bank account details, credit information.
    • Purpose: Compliance with statutory obligations, targeted advertising, and product improvement.
    • Targeted Advertisement: We may disclose this information with advertising partners for targeted advertising purposes.
    • Disclosures: Shared with processors and affiliates but not sold to third parties.
    • Retention: At least five years.
  3. Government ID Data
    • Examples: Passport or state-issued identification numbers.
    • Purpose: Compliance with statutory obligations, targeted advertising, and product improvement.
    • Targeted Advertisement: We may disclose this information with advertising partners for targeted advertising purposes.
    • Disclosures: Shared with processors and affiliates but not sold to third parties.
    • Retention: At least five years.
  4. Precise Geolocation Data
    • Examples: GPS-based location data.
    • Purpose: Compliance with statutory obligations, targeted advertising, and product improvement.
    • Targeted Advertisement: We may disclose this information with advertising partners for targeted advertising purposes.
    • Disclosures: Shared with processors and affiliates but not sold to third parties.
    • Retention: At least five years.

Use and Sharing of Personal Data

We use Personal Data for the purposes described in our general Privacy Policy (see https://championcashloans.com/privacy-wireless-policy/) and as permitted or required by law. Personal Data may be shared with:

  • Processors: Entities handling data on our behalf in accordance with our instructions. These companies may not use your personal data for their own purposes.
  • Affiliates: Our affiliates, subsidiaries, and representatives as part of providing our services.
  • Advertising and Analytics Partners: For targeted advertising and user behavior analysis. These services may also collect information about your use of certain other websites, apps and online resources.
  • Business Partners: For exclusive product or service offers.

We do not sell Personal Data to third parties.

Your Privacy Rights

US residents have the following rights under US Privacy Laws:

  • Access, Correction, and Deletion: Request to view, update, or remove your data.
  • Data Portability: Obtain a copy of your data in a portable format.
  • Limitations on Sensitive Data: Restrict use of sensitive data to necessary purposes.
  • Opt-Out Rights: Decline targeted advertising, data sales, or profiling.
  • Non-Discrimination: Exercise your rights without facing discrimination.
  • Appeals: Challenge decisions related to your requests.

To exercise your rights, submit a request by emailing [email protected] or call 951-848-7600. We may verify your identity through secure methods, including email and document verification. Requests will typically be processed within 45 days, with extensions communicated if needed.

If we suspect fraudulent or malicious activity on or from your account, we will delay acting on your request until we can appropriately verify your identity and the request as authentic. Also note that each of the rights are subject to certain exceptions. We reserve the right to decline to process, or charge a reasonable fee for, requests from a US resident that are manifestly unfounded, excessive, or repetitive.

Additional Notices

  1. Opt-Out of Sale/Sharing for Targeted Advertising: US privacy laws give US residents the right to direct a business that “sells” or “shares” their Personal Information to stop selling and/or sharing their Personal Information at any time. As used here, “selling” means exchanging Personal Data with a third party for money or anything of value, and “sharing” means disclosing Personal Data to a third party for use in conducting “cross-context behavioral advertising,” also referred to as “targeted advertising.” An example of targeted advertising is displaying advertisements to a person where the advertisement is selected based on Personal Data obtained from their activities over time and across non-affiliated websites or applications to predict their preferences or interests. In certain situations, and as detailed above, we share for targeted advertising Personal Data with third parties. You can opt out of the sharing of your Personal Data by emailing us at [email protected] or calling our toll-free number at 951-848-7600.
  2. Profiling: “Profiling” as used in this Privacy Notice means any automated processing of Personal Data to evaluate, analyze, or predict personal aspects related to an individual’s economic situation, health, personal preferences, interests, reliability, behavior, location, or movements. We may engage in this kind of profiling with regard to your Personal Data. The law provides a right to opt out of profiling that is part of making decisions that produce legal or similarly significant effects (such as whether to provide financial services, housing, employment, healthcare services, or access to essential goods or services). You can opt out of this type of profiling as described above. Please be aware that we do not accept or process opt-out requests through other means (e.g., via fax or social media).
  3. Use of Sensitive Data: You have the right to limit some uses of Sensitive Personal Data. In general, you may direct companies not to use Sensitive Personal Data except as necessary to provide goods or services you have requested or other exempt purposes. However, we only use Sensitive Personal Data for purposes that are exempt from this right, such as to provide you with goods or services you have requested, to detect and prevent security incidents, or verifying the quality of our goods and services. The full list of these exempt purposes is specified in the California Code of Regulations, Title 11, Section 7027(m).
  4. Children’s Data: We do not knowingly collect or use the Personal Information of children under 18. If you believe that we have collected the Personal Information of a child under 18, please contact us at [email protected].
  5. Authorized Agents: You may designate an authorized agent to make a rights request on your behalf. Your authorized agent may submit such a request by following the same methods described above in the section titled Exercising Your Personal Data Rights. We may require verification of your authorized agent’s authority in addition to the information we require for verification of your identity.

Contact Us

For questions or concerns about this notice, contact us at [email protected].

Last Updated: December 18, 2024

© 2024 Champion Financial Services DBA. Champion Cash Loans

DISCLOSURES FOR CFS VEHICLE SECURED TITLE & PERSONAL LOANS

California: All loans are made or arranged pursuant to a California Finance Lenders Law License Number: 60DBO-35846.

Arizona: Loans made pursuant to Arizona Department of Financial Institutions Sales Finance Company License SF-1005405.

  1. Upon completion of the call, conditional approval may be given pending the review of documentation.
  2. Loan approval is subject to meeting credit criteria standards, which may include providing acceptable property as collateral and demonstrating the ability to repay the loan.
  3. Funding time may vary depending on the time of final approval following the reception and review of all required documents and signing. Same-day funding is subject to final approval and signing completion before 3 PM PT on a business day. A bank account is required as a condition in order to obtain a Personal Loan. Loan proceeds may need to be disbursed via Automatic Clearing House (“ACH”) to the borrower’s bank account. The actual availability of funds can vary based on bank processing times, daily ACH deadlines, weekends, and holidays.
  4. The actual loan amount, term, and annual percentage rate the applicant qualifies for may vary by applicant, lender, and the law requirements of those terms.
  5. The states this site services may change without notice. This service does not constitute an offer or solicitation for consumers in all states. This service may not be available in your particular state.

Our loans can be up to $50,000 depending on certain factors.

THIS LOAN (Auto-Title or Personal Loan) IS NOT INTENDED TO MEET LONG-TERM FINANCIAL NEEDS. Loan proceeds are intended primarily for personal, family, and household purposes. Lenders recommend and encourage consumers to pay early, often, and more in order to avoid additional finance charges.

Loan approval is subject to meeting the lender’s credit criteria, which may include providing acceptable property as collateral. The applicant must demonstrate the ability to repay the loan. Loan proceeds are intended primarily for personal, family, and household purposes. Minimum loan amounts vary by state.

Loans with an Annual Interest Rate of 36% are limited to loan amounts between $2,500 to $9,999.00, while supplies last.

CFS Investments is licensed or registered as a finance lender as required by applicable state law and does not offer or service student loans. CFS Investments does not provide financial advice and does not guarantee the accuracy of information as it is subject to change without notice about its current product guidelines.

CFS Investments may act as the broker for the loan and may not be the direct lender or servicer of your loan. All loan applications are subject to meeting underwriting and credit criteria, which includes providing acceptable property as collateral. A bank account is required as a condition in order to obtain a loan. Inquiring about a loan and its minimum requirements does not impact your credit score; however, completing a full application may affect your credit score.

CFS Investments DBA Champion Financial Services, Turbo Loan, and Auto Equity Now. The terms and conditions set forth within the “General Terms and Conditions,” up to and including but not limited to the “Wireless Policy,” apply to all CFS Investments owned or operated websites in the aforementioned DBAs.

Important Information Concerning Procedures for Opening a New Account

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 an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. We will make a copy of these identifying documents for our records.