phone (866) 420-7157 | mail info@paydaycompany.com
phone (866) 420-7157 | mail info@paydaycompany.com
(Effective December 2014)
| FACTS | WHAT DOES ATOSKE 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 lenders to tell you how they 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:
|
| 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 Atoske chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does Atoske 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 | Yes |
| For our affiliates' everyday business purposes - information about your transactions and experiences | No | We do not share |
| 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 non-affiliates to market to you | Yes | Yes |
| To limit our sharing |
Please note: If you are a new customer, we can begin sharing your information as soon as the same day that you apply for a loan. 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 (866) 420-7157 or go to www.atoskels.com |
| How does Atoske 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. We also maintain physical, electronic and procedural safeguards (i.e., computer virus protection software, firewalls, 128-bit Secure Socket Layer). Only authorized employees have access. |
| How does Atoske collect my personal information? |
To protect your personal information, for example, when you:
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:
|
| Affiliates |
Financial and nonfinancial companies related by common ownership or control.
|
| Non-Affiliates |
Financial and nonfinancial companies related by common ownership or control.
|
| Joint Marketing |
A formal agreement between nonaffiliated financial companies that together market financial, products or services to you.
|
| Other Important Information |
|---|
|
As part of our credit underwriting and information collection process, we will consider bank account information provided by you and we may detect additional bank accounts under your ownership. We also may collect and consider information about you from non-credit reporting agency data providers, including, for example, information about your location and the location of your mobile devices, and publicly available information about you. Updating your information: If you need to update the personal information you have given us, log in to your account at www.atoskels.com and click on the "Update my information" link or call (866) 420-7157 to speakto an account representative. "Do not track": When someone visits the Atoske website, a cookie is placed on the visitor's computer (if the visitor accepts cookies). The cookie we place on your computer does not contain any of your personally identifiable information. Atoske advertises its products and services on websites that you may visit, and Atoske uses service providers to place such advertisements. Those service providers (such as Google, Mircrosoft or yahoo) may use cookies placed on your computer to show you advertisements for Atoske services on other websites. You can opt-out from service providers' and/or markters' use of cookies in this manner by visiting each service providers's advertising opt-out page or by utilizing "do not track" functionality in your web browswer. If you choose to not have your browser accept cookies from the Atoske website, you will not be able to subscribe to the service offerings on the Atoske website. Changes to this privacy policy: If we make material changes to this privacy policy, we will notify you via email and post the updated privacy policy on the Atoske website. Please take note of the "Effective Date" at the top of this privacy policy |
CALL US:
phone 866-420-7157
SEND AN EMAIL:
email info@company.com
Atoske | Financial Services - All Rights Reserved
Atoske, LLC is a tribal lender of the Chippewa Cree Tribe operating within the boundaries of the Rocky Boy’s Indian Reservation, Montana, a sovereign nation located within the United States of America. Loans from Atoske are governed by the laws of the Chippewa Cree Tribe, not the law of your resident state. The laws of your resident state may have interest rate limits and other consumer protection provisions that are more favorable. If you wish to have your resident state law apply, you should consider taking a loan from a licensed lender in your state.
This is an expensive form of credit. Alternative forms of credit, such as a credit card cash advance, personal loan, home equity line of credit, existing savings or borrowing from a friend or relative, may be less expensive and more suitable for your financial needs. Before borrowing, please consider whether you will be able to repay any amount you borrow along with the interest charges disclosed to you in your loan agreement. Customers with continued credit difficulties should seek credit counseling.
Refinancing may be available and is not automatic. Refinancing your loan will extend the term of the loan and result in additional interest charges. Late fees and non-sufficient funds/returned item fees may apply as described in your Loan Agreement. We will never charge you any "hidden fees" that are not fully disclosed in the Loan Agreement or the Loan Cost & Terms. If you don't make a payment on time we will attempt to contact you via one or more authorized methods. We adhere to the principles of the federal Fair Debt Collection Practices Act (FDCPA).
Because we may report your payment history to one or more credit bureaus, late or non-payment of your loan may negatively impact your credit rating. If you fail to repay your loan in accordance with its terms, we may place your loan with or sell your loan to a third-party collection agency or other company that acquires and/or collects delinquent consumer debt.
1First-time Atoske customers typically qualify for an installment loan of $500 to $1,000, with an APR of 299.17% to 373.97%. A $700 loan from Atoske Loans would require 14 bi-weekly installments of $116.63, including $932.70 of interest and an APR of 364.00%. After the 14th successful payment, your loan would be paid in full. Refer to Loan Cost & Terms for additional details.
*In most cases, applications that are received and can be verified prior to 6:00 p.m. Eastern Time (Monday - Friday) will be funded the next business banking day (excluding weekends and bank holidays). Applications received after 6:00 p.m. Eastern Time (Monday - Friday) may require an additional business banking day to fund. In some cases, we may not be able to verify your application information and may