Privacy Policy

We take your privacy & financial security seriously. Learn how MOD protects & uses the data you choose to share with us.

effective as of: October 2022

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Who we are

MOD: Money On Demand is a small loan mobile app, a product of Southern Bancorp Bank (“Southern”), a member of the FDIC. This privacy notice is provided by Southern.

  • Website URL:
  • Email: [email protected]
  • Phone: (844) 439-9258
  • Address: 400 Hardin Road, Suite 100, Little Rock, AR 72211

What personal data we collect and why we collect it

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.

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social security number and other pertinent personal information
  • Portfolio balances and transaction or loss history
  • Payment history
  • Account transactions
  • Income

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. Affiliates choose to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Southern Bancorp Bank 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



For our marketing purposes – to offer our products and services to you



For joint marketing with other financial companies




For our affiliates’ everyday business purposes – information about your transactions, experiences, and creditworthiness


We don’t share


For our affiliates’ marketing purposes – to offer their products and services to you


We don’t share


For nonaffiliates to market to you – to offer their products and services to you


We don’t share


Protecting, collecting, & sharing data

How does Southern 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 other physical, electronic, and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does Southern collect my personal information?

We collect your personal information, for example, when you:

  • Open an account or deposit money
  • Pay your bills
  • Give us your contact information
  • Provide your driver’s license or state-issued ID

We also collect your personal information from others, such as credit bureaus, 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
  • Sharing for affiliates to market to you
  • Sharing for non-affiliates to market to you

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


Southern Bancorp Bank does not share with our affiliates.


Southern Bancorp Bank does not share with non-affiliates so they can market to you.

Joint Marketing 

Southern Bancorp Bank doesn’t jointly market. 

Your rights

Rights Under State Law: You may have privacy rights under various state laws. We will comply with these laws to the extent they apply.

FOR VERMONT (consumer account with a Vermont address): We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.   

FOR NEVADA (consumer account with a Nevada address): We are providing you this notice pursuant to state law. Nevada law requires that we provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Ave., Suite 3900, Las Vegas, NV 89101; phone number – 702-486-3132; email: [email protected].

Electronic messages

You acknowledge that data, including emails, may be accessed by unauthorized third parties when communicated between you and the Bank, using the Internet, telephone, or other electronic devices. We are not responsible for any misdirected data or disclosures that occur as a result of your use of third-party electronic communication channels.

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