Privacy Policy
1. Who we are. This Privacy Policy describes how CCDF LLC, doing business as FLEXIcash (“FLEXIcash,” “we,” “us”), collects, uses and protects information from visitors to this website and applicants for our loan products at our branches in Cuba, Desloge, Moberly and O’Fallon, Missouri.
2. Information we collect. Contact and identity information you provide (name, address, phone, email); information submitted with a loan application (income source, bank account details, government-issued ID, employment information); and standard website usage data (IP address, browser, pages visited).
3. How we use it. To process and underwrite loan applications, service existing loans, communicate with you about your account, and comply with Missouri Division of Finance regulatory requirements.
4. Sharing. Our loan servicing platform, Infinity, has access to applicant and loan information so it can process your application and service your account. We also work with a third-party collection agency in connection with delinquent accounts. We do not sell your personal information. Our Privacy Notice below explains how we share personal information and how you can limit some sharing.
5. Data security. We use reasonable administrative, technical and physical safeguards to protect your information.
6. Your rights. You may contact us to ask what information we hold about you or to request corrections.
7. Children’s privacy. Our services are not directed to anyone under 18.
8. Contact. Questions about this Privacy Policy can be sent to customerhelp@flexicashmo.com or (636) 295-5931. FLEXIcash (CCDF LLC) is licensed and regulated by the Missouri Division of Finance, P.O. Box 716, Jefferson City, MO 65102-0716, (573) 751-3463.
Privacy Notice
FACTS: What does CCDF LLC, dba FLEXIcash, 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 your Social Security number and income, account balances and payment history, and transaction or loss history and employment information.
How? All financial companies need to share customers’ personal information to run their everyday business. The table below lists the reasons financial companies can share their customers’ personal information, the reasons FLEXIcash chooses to share, and whether you can limit this sharing.
| Reasons we can share your personal information | Does FLEXIcash 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 | 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 | No | We don’t share |
To limit our sharing: Call 636-295-5931, or mail the form below.
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 636-295-5931.
Mail-in form. Mail to CCDF LLC, dba FLEXIcash, 240 Magee Street #124, Troy, MO 63379. Include your name, address and account number, and mark your choices:
- Do not share information about my creditworthiness with your affiliates for their everyday business purposes.
- Do not allow your affiliates to use my personal information to market to me.
Who we are
Who is providing this notice? CCDF LLC, doing business as FLEXIcash.
What we do
How does FLEXIcash 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 such as computer virus protection software, firewalls and encrypted (SSL) connections. Only authorized employees have access.
How does FLEXIcash collect my personal information? We collect your personal information, for example, when you give us your income information, provide employment information, provide account information, give us your contact information, or show us your driver’s license.
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 using your information to market to you, and sharing for non-affiliates to market to you. State laws and individual companies may give you additional rights to limit sharing.
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.
Non-affiliates: Companies not related by common ownership or control. They can be financial and nonfinancial companies. FLEXIcash does not share with non-affiliates so they can market to you.
Joint marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you. FLEXIcash does not jointly market.
Terms and Conditions
1. Acceptance of Terms. By using this website or applying for a loan with FLEXIcash (a trade name of CCDF LLC), you agree to these Terms.
2. Eligibility. You must be at least 18 years old, a Missouri resident or physically present in Missouri at the time of application, and have a regular source of income and a working phone. Payday and unsecured installment loans also require an active checking account. Secured installment (title) loans do not require a checking account, but do require a vehicle with a clear title in your name.
3. Our Products. Payday loans ($50 to $500), unsecured installment loans ($500 to $800), and secured installment loans, also known as title loans ($100 to $10,000, secured by your vehicle). Product availability, rates and terms are set out in your individual loan agreement. Payday, unsecured installment and secured installment (title) loans may all be repaid early with no prepayment penalty.
4. Applying. Payday and unsecured installment loans may be applied for online anywhere in Missouri or in person at any branch. Secured installment loans require an in-person visit to one of our four Missouri branches (Cuba, Desloge, Moberly or O’Fallon) with the vehicle and its clear title in your name, so we can appraise the vehicle.
5. Rates, Fees and Disclosures. Payday loans are governed by the Missouri Short-Term Loan Act (RSMo 408.500 to 408.506). Unsecured and secured installment (title) loans are made under FLEXIcash’s Missouri consumer installment lender license (RSMo 408.510 and 367.100 to 367.215). Current rate and fee information is shown in the Disclosures section of this page.
6. Electronic Signatures and Communications. By applying for a loan, using this website, or otherwise doing business with FLEXIcash online, you agree to transact business with us electronically and consent to receive electronically all disclosures, notices, agreements and other communications (“Communications”) that we are required or choose to provide in writing, including your loan agreement, the federal Truth in Lending disclosure and this Privacy Policy. Your electronic signature on any loan document is legally binding and has the same effect as a handwritten signature. To access and keep electronic Communications, you need a device with internet access and software that can open and save a PDF file. You may withdraw your consent to electronic Communications at any time by contacting us at customerhelp@flexicashmo.com or (636) 295-5931. Withdrawing consent may limit your ability to apply for or manage a loan online. Please print or save a copy of these Terms and any loan Communications for your records.
7. No Guarantee of Approval. Submitting an application does not guarantee approval. All loans are subject to underwriting.
8. Disputes. Your loan agreement includes an Arbitration Agreement. Under it, either you or FLEXIcash may elect to resolve a dispute relating to your loan by binding individual arbitration instead of in court, except claims that qualify for small claims court, and you give up the right to bring or take part in a class action. The Arbitration Agreement in your loan agreement controls, so please read it before you sign.
9. Limitation of Liability, Website Use and Governing Law. To the extent permitted by law, FLEXIcash and its officers, employees and agents are not liable for indirect, incidental, special or consequential damages arising from your use of this website. This website and its content are provided “as is” and “as available,” without warranties of any kind, express or implied. These Terms are governed by the laws of the State of Missouri, without regard to its conflict-of-law rules.
10. Changes to These Terms. FLEXIcash may update these Terms at any time. Continued use of this website means you accept the updated Terms.
11. Contact. Email: customerhelp@flexicashmo.com. After-hours phone: (573) 253-8455. Mail: CCDF LLC, dba FLEXIcash, 240 Magee Street #124, Troy, MO 63379.
Disclosures
FLEXIcash is a trade name of CCDF LLC, licensed and regulated by the Missouri Division of Finance, P.O. Box 716, Jefferson City, MO 65102-0716, (573) 751-3463.
Maximum APR currently charged on short-term loans at this office: 574.00%.
Maximum rate currently charged on consumer credit loans at this office: 445.00%.
Late payment (15 or more days late): 5% of the delinquent payment or $15, whichever is greater, never more than $50.
Returned or dishonored item fee: $25. No more than one dishonored item fee is charged per installment.
Returned checks due to insufficient funds may be re-presented electronically through ACH or the VISA network.
Loan approval is subject to FLEXIcash’s underwriting criteria.
Rates, terms and fees are subject to change. Your specific terms are disclosed in your loan agreement and in the federal Truth in Lending statement provided at signing.