Online Privacy Policy

Your privacy is important to Southern Management Corporation and its affiliates (“SMC”) so we’ve developed this Online Privacy Policy that covers how we collect, use, disclose, transfer and store  information received about you during visits to our websites, which include but are not limited to; www.smcredit.com and www.mymoneytogo.com (“Site”).  This Online Privacy Policy supplements our Consumer Privacy Notice.

For a copy of our Consumer Privacy Notice, click here or please contact us at 1-864-233-9033 to request a copy.

Types of Information Collected

We collect non-personal information − data in a form that does not permit direct association with any specific individual from your use of the Site. We may collect, use, transfer, and disclose non-personal information for any purpose. For example, we may collect information such as your screen resolution, browser type, referring and exit pages, operating system, date/time stamp, language, zip code, area code, location, and time zone so that we can better understand customer behavior and improve our products, services, and advertising.

If we do combine non-personal information with personal information collected through application process or other means, the combined information will be treated as personal information for as long as it remains combined.  For more information regarding how we collect, store and use personal information, see our Consumer Privacy Notice

Cookies and Other Technologies

The Site, email messages, and advertisements may use “cookies”, pixel tags, web beacons and other tracking technologies. These technologies help us better understand user behavior, tell us which parts of our website people have visited, and allow repeat visitors to be served more quickly and efficiently. We treat information collected by cookies and other technologies as non-personal information. However, to the extent that non-personal information could be combined with personal information, we would treat the combined information as personal information for the purposes of this Online Privacy Policy.  You can refuse to accept cookies on most browsers and devices through their own privacy settings.  You will need to manage these settings yourself.  If you refuse to accept the cookies, you may experience some inconvenience in your use of the Site.  For example, the Site will not recognize your device.  You also may not receive tailored advertising or special offers based on your browsing history.

As is true of most websites, we may gather some information automatically and store it in log files. This information includes Internet Protocol (IP) addresses, browser type and language, Internet service provider (ISP), referring and exit pages, operating system, date/time stamp, and clickstream data.
We use this information to understand and analyze trends, to administer the site, to learn about user behavior on the site, and to gather demographic information about our user base as a whole. SMC may use this information in our marketing and advertising services.

We may use a “click-through URL” linked to content on the SMC or affiliate websites. When customers click one of these URLs, they pass through a separate web server before arriving at the destination page on our website. We track this click-through data to help us determine interest in particular topics and measure the effectiveness of our customer communications. If you prefer not to be tracked in this way, you should not click text or graphic links in the email messages.

Pixel tags enable us to send email messages in a format customers can read, and they tell us whether mail has been opened. We may use this information to reduce or eliminate messages sent to customers.

Disclosure of Information Through Social Media

SMC may allow social media share buttons (widgets) on the Site to allow you to share information from the Site on another platform.  The third parties that own these widgets may have access to your browsing history on the Site.  Please consult these third party sites for information regarding how this information is collected and used.

Disclosures Permitted by Law

SMC may disclose all of the nonpublic personal information described above, as permitted by law. For example, we may use affiliated and nonaffiliated parties to perform services for us, such as providing customer assistance, handling claims, protecting against fraud and maintaining software for us. We also may disclose information in response to requests from law enforcement agencies, State insurance authorities, or legal process served on the Site.

Information Regarding Former Customers

SMC does not disclose nonpublic personal information about former customers or customers with inactive accounts, except in accordance with this Online Privacy Policy or our Consumer Privacy Notice.

Security

To prevent unauthorized access to your personal data, maintain data accuracy, and ensure the correct use of information, SMC follows generally accepted industry standards to protect the personal information submitted to us both during transmission and once we receive it. No method of transmission of data over the internet, or method of electronic storage is 100% secure therefore, while we strive to use commercially acceptable means to protect your data we cannot guarantee its absolute security.

Links

The Site may contain links to third party websites where personal information is collected and used. Your visit to any third party website is governed by the privacy policy and terms of use applicable to that site. SMC cannot control nor is it responsible for any such collection or use of your personal information.

Children

The Site is intended for the use of adults who are actual or potential customers of SMC. We do not knowingly collect personal information from children under 13. If we learn that we have collected the information of a child under 13, we will delete the information as soon as possible.

Changes to this Online Privacy Policy

We reserve the right to modify or supplement this Online Privacy Policy at any time. If we make material changes, we will provide current online customers with a notice that describes our new online practices. The companies of SMC together with the trade names under which they do business, are listed below.
Southern Finance
Covington Credit
Quick Credit

Instructions to Opt Out of Disclosures to Nonaffiliated Third Parties

To opt out of SMC’s right to disclose of your nonpublic personal information to nonaffiliated third parties, please download our form and follow the instructions provided on the form.

International Users

This Site is intended for the use for actual and potential customers within the United States of America.

No Contract Created

This Online Privacy Policy is not a contract and is not intended to be a contract between customers or visitors, and SMC respect to any information practices concerning information obtained through use of this Site.

Questions?

If you have any questions or comments regarding this Online Privacy Policy, please contact us at 1-864-233-9033.