California Consumer Privacy Act Notice

California Consumer Privacy Act Notice at Collection

Under the California Consumer Privacy Act, as amended by the California Privacy Rights Act (the "CCPA"), "personal information" is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular California resident or household. This information is referred to in this Notice as "Personal Data."

This Notice explains:

Categories of Personal Data that we collect about residents of California.
The business or commercial purposes for which we use that Personal Data.

Categories of Personal Data that We Collect

We collect Personal Data in a variety of contexts. For example, we collect Personal Data to provide financial products and services for our human resource, and vendor management purposes.

The Personal Data that we collect about a specific California resident will depend on, for example, our relationship or interaction with that individual.

We collect the following categories of Personal Data. We do not sell or share Personal Data, including Sensitive Personal Data.

Personal Identifiers: Personal unique identifiers, such as full name and federal or state issuedidentification numbers, including Social Security number, driver’s license number, and passport number;
Personal Information: Personal information, including contact details such as telephone number and address, email address; financial information such as bank name and account numbers, bank routing number, payroll statements; bankruptcy status, military status or other such public information, consumer report information such as credit account(s) payment history;
Characteristics of Protected Classes: Characteristics of protected classes or groups under state or federal law, such as gender, military status;
Biometric Information: Biometric information, such as facial images;
Internet or Online Information: Internet or online information (e.g., browsing history) and information regarding interaction with our websites, applications, or advertisements;
Geolocation Data: Geolocation data, such as device location;
Audio and Visual Information: Audio, electronic, visual, or similar information, such as call recordings;
Employment Information: Professional or employment-related information, such as work history and prior employer;
Sensitive Personal Information:

Social security number, driver’s license, state identification card, or passport number;
Account log-in, financial account, password, or credentials allowing access to an account;
The contents of mail, email, and text messages;

1 - Why We Collect Personal Data and How We Use It?

The business and commercial purposes for which we collect and use Personal Data depend on, among other things, our relationship or interaction with a specific California resident. The table below lists the purposes for which we collect and use Personal Data in different contexts.

2 - Purposes for Collection and Use

a) Provide and manage products and services

Establish and process transactions for our products and services including checking accounts, credit cards, loans, investment accounts, as well as additional products for businesses such as commercial financing and payment services.
Support the ongoing management and maintenance of our products and services including to provide account statements, online banking access, customer service, payments and collections, and account notifications.

b) Support our everyday operations, including to meet risk, legal, and compliance requirements

Perform accounting, monitoring, and reporting.
Enable information security and anti-fraud operations, as well as credit, underwriting, and due diligence.
Support audit and investigations, legal requests and demands, as well as exercise and defend legal claims.
Enable the use of service providers for business purposes.
Comply with policies, procedures, and contractual obligations.
Obtain support for fulfilling the above purposes from our third-party service providers, professional services and business partners, and financial institutions.

c) Manage, improve, and develop our business

Market, personalize, develop, as well as improve our products and services.
Conduct research and analysis, including to drive product and services innovation.
Support customer relationship management.
Evaluate and engage in mergers, acquisitions, and other transactions involving transfers of all or part of a business, or a set of assets.
Obtain support for fulfilling the above purposes from our third-party service providers, professional services and business partners, and financial institutions.

d) Support employment, infrastructure, and human resource management

Provide benefits to employees and dependents, including healthcare and retirement plans.
Manage pay and compensation activities.
Manage and operate our facilities and infrastructure.
Process employment applications.
Obtain support for fulfilling the above purposes from our third-party service providers, professional services and business partners, and financial institutions.

e) Use of Sensitive Personal Information as permitted by law

Perform services for our business, provide goods or services as requested by individuals, and ensure security and integrity.
Short term transient use such as displaying first-party, non-personalized advertising.
Process and fulfill orders, maintain and service accounts, provide customer service, verify customer information, process payments, and provide financing.
Activities relating to quality and safety control or product improvement.

¹ Loan amounts range from $500 to $12,000. Loan lengths range from 6 to 60 months. Annual Percentage Rates (APRs) range from 19.99%-35.99%. Many loans have a one-time 5% origination fee. Loans do not require repayment in full within 60 days from the loan issue date. For example, a $3,000 loan repaid in 52 biweekly installments of $76.00 over 24 months will have a 31.35% APR. Your loan’s details will depend on the amount and your payroll schedule.
Most BMG Money-branded loans are made by WebBank. As of 08/01/2025, loans to residents of Illinois, Ohio, and Rhode Island are made by BMG LoansAtWork, Inc.
BMG LoansAtWork, Inc. is licensed in many states. For more information, see https://www.bmgmoney.com/compliance.
Loans through BMG Money are provided at a significantly lower cost than most payday loans. According to the Consumer Financial Protection Bureau, “A typical two-week payday loan with a $15 per $100 fee equates to an annual percentage rate (APR) of almost 400%". Your actual loan's details will depend on the amount and your payroll schedule.” Source: https://www.consumerfinance.gov/ask-cfpb/what-is-a-payday-loan-en-1567/

² Your FICO Score will not be pulled or used for the processing of your loan application. Alternative credit scores are pulled and used in determining creditworthiness. We report payment history to all three major credit reporting agencies and failure to make payments may affect your credit scores.

³ A loan offer is not guaranteed. Terms subject to credit approval upon completion of an application. Loan sizes, interest rates, and loan terms vary based on the applicant’s credit profile. Loan terms are subject to verification of identity and credit information. Federal law requires financial institutions to obtain, verify, and record information that identifies each person who opens 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.

⁴ If you provide a valid debit card linked to the bank account where your primary income is generally deposited, Instant Funding is available within minutes of signing for your loan. For applications approved and signed by noon ET, same-day ACH funding usually is available. For applications approved and signed by 4:30 pm ET or on Sundays and holidays, funds usually are deposited the next business day.