US Consumer Privacy Notice

Last modified: March 23, 2023

FACTSWHAT DOES PANGEA 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 depends on the product or service you have with us. This information can include:

▪        Contact information (name, address, date of birth, phone number, email)

▪        Social Security number and income

▪        Account balances and transaction history

▪        Payment information

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 Pangea chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal informationDoes Pangea 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

YesNo
For our marketing purposes—

to offer our products and services to you

YesNo
For joint marketing with other financial companiesYesNo
For our affiliates’ everyday business purposes— information about your transactions and experiencesYesNo
For our affiliates’ everyday business purposes—

information about your creditworthiness

YesYes
For our affiliates to market to youYesYes
For nonaffiliates to market to youYesYes

 

To limit our sharing▪        Email us at privacy@gopangea.com

▪        Mail the form below

If you are a new customer, we can begin sharing your information thirty (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.

To limit direct marketing contactDirect marketing opt-outs are handled for each marketing channel as follows:

●       Email unsubscribes come when users click an unsubscribe link received in a marketing email.

●       SMS opt out requests come when a user replies with the keyword STOP to our Marketing Shortcode number 726-432.

●       Push Notifications (aka app notifications) opt-in / opt-out preferences are managed in each user’s mobile phone settings.

Pangea does not engage in direct marketing via mail or outbound calls. Even if you limit direct marketing, we may still contact you to service your account or as otherwise allowed by law.

Questions?Call (toll free) 866-858-9928 or go to pangeamoneytransfer.com.

 

Mail- In Form
Mark any/all you want to limit:

•   Do not share information about my creditworthiness with your affiliates for their everyday business purposes.

•   Do not share my personal information with affiliates to market their products and services to me.

•   Do not share my personal information with nonaffiliates to market their products and services to me.

Name

Address

 

City, State, Zip

Account #

Mail to:

Pangea Money Transfer

175 W. Jackson Blvd., Ste 600

Chicago, IL 60604

 

Who we are
Who is providing this notice? Pangea USA, LLC d/b/a Pangea Money Transfer (“Pangea”)
What we do
How does Pangea 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.
How does Pangea collect my personal information?We collect your personal information, for example, when you

▪       open an account

▪       pay your bills

▪       make a payment

▪       provide account information

▪       give us your contact information

We also collect your personal information from others, such as our service providers, affiliates, or other companies.

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 from using your information to market to you

▪        sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See Other Important Information section below for more information on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?Pangea does not allow you to hold a Pangea account jointly.

 

Definitions
AffiliatesCompanies related by common ownership or control. They can be financial and nonfinancial companies.

▪        Our affiliates are companies under the corporate umbrella of Enova International, Inc.

NonaffiliatesCompanies not related by common ownership or control. They can be financial and nonfinancial companies.

▪        Nonaffiliates we share with can include lenders, banks, marketing companies, and other service providers. 

Joint marketingA formal agreement between nonaffiliated financial companies that together market financial products or services to you.

▪        Our joint marketing partners can include lenders, banks, non-banking financial institutions, marketing providers, and other service providers.

 

Other important information
Please visit www.pangeamoneytransfer.com/privacy/ for additional information regarding your privacy, cross-device tracking and to manage your preferences.

NOTICE TO CALIFORNIA RESIDENTS. Under state law, we may not share information we collect about you with affiliated or non-affiliated third parties, except where permitted by state law, or if you give us permission. We will provide a notice describing California residents’ rights to opt out, including rights to opt out of affiliate sharing. California Civil Code § 1798.83 allows California residents to request certain information regarding our disclosures in the prior calendar year, if any, of personally identifiable information to third parties for their own direct marketing purposes. To make such a request, email us at privacy@gopangea.com.

NOTICE TO NORTH DAKOTA AND VERMONT RESIDENTS. Pursuant to state law, we will only share information with our affiliates, nonaffiliates, and third parties as required or permitted by law, or if you give us permission.