Privacy Policy

Updated: January 20, 2021

This Privacy Policy (the “Policy”) applies to the Toponlinecash.com website (the “Website”). It tells users (“you”) of the Website and the services it provides about the information collected by the Website and how the Website uses and shares this information.

The Information Toponlinecash.com Information We Collect

Toponlinecash.com collects both information that may identify a particular individual (“Personally Identifiable Information”) and anonymous information that cannot be associated with a specific individual (“non-Personally Identifiable Information”) from or about users of its websites.

Personally Identifiable Information

Toponlinecash.com collects Personally Identifiable Information when you provide it through your use of the Website, such as by completing one or more stages of an online registration (a “Registration”) requesting a loan offer from a lender participating in Toponlinecash.com’s lender network (a “Lender Partner”) or by sending questions to Toponlinecash.com via the Website. The types of Personally Identifiable Information Toponlinecash.com collects include name, physical address, telephone number, social security number, email address, date of birth, driver’s license number and state, information about homeownership, citizenship status, employment information, active military information, amount and frequency of paychecks, and information about your banking account.

Non-Personally Identifiable Information

The types of non-Personally Identifiable Information that Toponlinecash.com collects (either directly, through the use of “cookies” or through the use of a third-party tracking system) include the IP address of the computer making the request; your browser type and language; access times; information about areas of the site visited by users of the site; information about the links that users may select to visit on the site. IP addresses are not usually associated with your personal computer, but with a portal through which you accessed the Internet. IP addresses are not linked to Personally Identifiable Information. A “cookie” is a piece of information a website sends to your computer while you are viewing a website to remember who you are without personally identifying you.

Toponlinecash.com may share this non-Personally Identifiable Information with its suppliers and other third parties for the purpose of website statistical and trend analysis. This information is not linked to any Personally Identifiable Information.

Information Collected by Third Parties

Toponlinecash.com may allow third parties, including advertising partners and personal loan lenders, to display advertisements on the Website. These companies may use tracking technologies, including cookies, to collect information about users of the Website who view or interact with these advertisements. Toponlinecash.com does not provide Personally Identifiable Information to these third parties.

How We Use Personally Identifiable Information

Toponlinecash.com uses the Personally Identifiable Information you provide through the Website in order to deliver the products or services you have requested; provide you with customer support; communicate with you by email, postal mail, telephone, and/or mobile devices (including through short messaging services, or “SMS”) about products or services that may be of interest to you either from Toponlinecash.com, Lender Partners, other third party lenders, Toponlinecash.com’s marketing partners, or other third parties; display advertising tailored to your interests or background; perform data and statistical analysis on use of the website; enforce Toponlinecash.com’s terms and conditions, and perform any other functions otherwise described to you at the time Toponlinecash.com collects the information.

Toponlinecash.com may review and use your financial information and your social security number to connect you with Lender Partners or other third-party lenders with whom Toponlinecash.com has a business relationship. Toponlinecash.com may also review your financial information and social security number to verify your identity and protect against possible fraudulent transactions.

Sharing Your Personally Identifiable Information

Toponlinecash.com may share your Personally Identifiable Information (including, without limitation, your financial account information and social security number) with Lender Partners and other third party lenders with whom Toponlinecash.com has a business relationship. These third-party lenders may use your Personally Identifiable Information to offer you a personal loan or to communicate with you about other business or marketing offers. In addition, Toponlinecash.com may share your Personally Identifiable Information (including your financial account information and social security number) with unaffiliated third-party marketers and list managers with whom Toponlinecash.com has a business relationship.

Any third parties with whom Toponlinecash.com shares Personally Identifiable Information may have their own policies which describe how they use and disclose your information. Those policies will govern the use, handling, and disclosure of your information once Toponlinecash.com has transferred or shared it with those third parties as described in this Policy or the Toponlinecash.com Terms and Conditions.

Toponlinecash.com will disclose your Personally Identifiable Information in response to a subpoena or similar investigative demand, a court order, or a request for cooperation from a law enforcement agency or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. Toponlinecash.com will disclose your Personally Identifiable Information when Toponlinecash.com believes disclosure is necessary to investigate, prevent, or take action regarding illegal activity, suspected fraud, or other wrongdoing; to protect and defend the rights, property, or safety of Toponlinecash.com’s parent company, its employees, its website users, or others; or to enforce the Terms and Conditions or other agreements or policies.

In addition, Toponlinecash.com may transfer Personally Identifiable Information to an entity acquiring all or substantially all of its parent company’s stock or assets.

Links to Third-Party Websites

Toponlinecash.com may provide links or automatically redirect you to third-party websites that do not operate under this Policy. For example, if you click on an advertisement presented on our site, you may be taken to a website that Toponlinecash.com does not operate or control. You should review the privacy statements and terms of use of all third-party websites you access. These third-party websites may independently solicit and collect information from you. On occasion, those third-party websites may provide Toponlinecash.com with information about your use of those sites.

Changes

The Website’s policies, content, information, promotions, disclosures, disclaimers, and features may be revised, modified, updated, and/or supplemented at any time and without prior notice at Toponlinecash.com’s sole and absolute discretion. Changes to this Policy will be posted on the Website and Toponlinecash.com will revise the “Effective” date at the top of this policy. You should review this Policy each time you access the Website. If Toponlinecash.com makes any material changes in the way it collects, uses, and/or shares personal information that may impact you, Toponlinecash.com will notify you by prominently posting notice of the changes on this website.

Children’s Privacy

The Website is not intended for use by anyone under the age of 18 or the age of majority in your jurisdiction. Toponlinecash.com does not knowingly collect Personally Identifiable Information from children under the age of 18.

Security

Toponlinecash.com has put in place physical, procedural, and technological security measures to help prevent unauthorized access to and improper use of the information Toponlinecash.com collects online. For example, only authorized employees and authorized third parties are permitted to access Personally Identifiable Information, and they may do so only for permitted business functions. No website or Internet network can be completely secure. Although Toponlinecash.com takes steps to secure your information, Toponlinecash.com does not guarantee, and you should not expect, that your personal information, searches, or other communications will always remain secure.

Accessing Your Personally Identifiable Information

If you would like to review and/or request changes to the Personally Identifiable Information that Toponlinecash.com has collected about you through your use of the Website, please contact Toponlinecash.com by writing or sending an email to the addresses below.

Privacy Rights of California Residents: Companies that collect Personally Identifiable Information from California residents and disclose such information to third parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt-out of having his or her information shared with third parties. Toponlinecash.com has elected the second option, and you may opt-out by completing one or more forms on our Opt-Out page.

California residents are also entitled to know that they may file grievances and complaints with the California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to dca@dca.ca.gov.

Contact

If you have questions, comments, or concerns regarding our Privacy Statement, please write to us or click below to contact us.

Toponlinecash.com

405 LEXINGTON AVENUE,

NEW YORK CITY, NY 10174

 info@Toponlinecash.com

 

How It Works

TopOnlineCash.com is not a lender and therefore does not make short-term loans or credit decisions. We are a loan connecting service where we connect consumers with independent third-party lenders.

Independent lenders have their own individual requirements that must be met, but typical minimum requirements include, but may not be limited to:

You can register online using any computer or mobile device. The method is extremely fast because it takes place in real-time. If you are paired with a lender, you will receive an offer from that lender outlining the loan’s terms and conditions. If you accept the conditions (which you can do), the money will be in your account as soon as the next business day.

Independent lenders have their own individual requirements that must be met, but typical minimum requirements include, but may not be limited to:

  • You must be at least 18 years old to participate.
  • Valid checking or savings account with direct deposit
  • Minimum regular income of $1,000 per month
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps, or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
  • Qualifying criterion is an employee, no military, not a resident of NY, has a checking account, and over 18 years old.

Important Disclosures. Please Read Carefully.

Our lenders offer loans with an Annual Percentage Rate (APR) of 35.99% and below. For qualified consumers, the maximum APR (including the interest rates plus fees and other costs) is 35.99%. All loans are subject to the lender’s approval based on its own unique underwriting criteria.

Example: Loan Amount: $4,300.00, Annual Percentage Rate: 35.99%. Number of Monthly Payments: 30. Monthly Payment Amount: $219.36. Total Amount Payable: $6,581.78 Loans include a minimum repayment plan of 12 months and a maximum repayment plan of 30 months.

The purpose of shorter duration loans is to provide the borrower temporary financial relief. Such loans are not a long-term financial solution. Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.

This website is not an offer to lend. Top Online Cash is not a lender and does not make loan or credit decisions. Top Online Cash connects interested persons with a lender from its network of approved lenders. Top Online Cash does not control and is not responsible for the actions or inactions of any lender, is not an agent, representative or broker of any lender, and does not endorse any lender. Top Online Cash receives compensation from its lenders, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, Top Online Cash’s service is always free to you.

This service is not available in all states. If you request a loan in a particular state where such loans are prohibited, or in a location where Top Online Cash does not have an available lender, you will not be connected to a lender. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

By submitting your information via this website, you are authorizing Top Online Cash and its partners to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and TransUnion, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize Top Online Cash to share your information and credit history with a network of approved lenders and lending partners.

Lender’s Disclosure of Terms.

The lender you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender based on the lender’s internal policies, underwriting criteria and applicable law. Top Online Cash has no knowledge of or control over the loan terms offered by a lender. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

Late Payments Hurt Your Credit Score

Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments.

Personal loan offers provided to customers who originated via a paid Google or Bing advertisement feature rate quotes on TopSmartLoans maximum of 35.99% APR with terms minimum of 61 days to a maximum of 180 months. Your actual rate depends upon credit score, loan amount, loan term, and credit usage and history, and will be agreed upon between you and the lender. For additional loan options, please email us at info@toponlinecash.com. An example of the total amount paid on a personal loan of $10,000 for a term of 36 months at a rate of 10% would be equivalent to $11,616.12 over the 36-month life of the loan.

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