Payday Loan Privacy Policy
Our Privacy Policy is designed to help you understand our online information practices, so that you are able to make an informed and educated decision about how we collect and use your information. While reading through our Policy, it is important to note that any reference to "You" or "Your" refers to you as a user of our online program. Moreover, any reference to "We", "Us", "Our" or "Our Web site" refers to our Web site.
Please be aware that we will be free to use any and all information that you submit to us through this Web site, and for any lawful purpose as explained herein. Please be advised that we collect your information and match you with various lenders, however we are not responsible for the content and/or the privacy practices of lenders sites.
WHAT INFORMATION WE COLLECT:
We collect all the information you provide to us while on our Web site. This includes your name, date of birth, telephone number(s), home address, E-mail address, Social Security number, employment information, income information, bank account information, personal references, and any other information that you provide to us. We also collect IP addresses, type of Web browser and operating system, type of computer used, and Web page http headers along with information, and all other information relating to the pages our visitors’ access.
This site is not intended for you to submit an application in order to receive information on loan related products. You must submit the required information to be considered by one of our affiliated third party loan providers. Even if you do not complete the full registration process, any personally identifiable information submitted may also be collected for our use.
HOW WE USE COLLECTED INFORMATION:
The information we collect is used to help us determine which short term loan product may be of interest to you. Your personal, demographic and profile information may be used to help improve our Web site, for marketing, editorial, promotional, statistical analysis, and feedback purposes. Any information collected may be added to our databases for the purposes of sending upcoming postal mailings, E-mails, SMS text-messaging, telemarketing new product information, new service information, site updates and/or status of online orders.
Through your use and submission of information on our Web site, you agree that even if your number is found on a do-not-call registry, or similar registry, you may be contacted in any manner contemplated in this section. We reserve the right to share, sell or otherwise disclose your information to third parties.
By providing your personal information, you agree that it may be used for the following purposes: to obtain other information about you from third-parties when the information was improperly or incompletely filled out on our registration form; sharing of your information with trusted third parties such as credit bureaus, Affiliated loan Providers and/or other financial services providers in accordance with applicable law; considering you for a Web site account; and for other marketing products and services that we determine you might find of interest.
We may employ other companies and individuals to perform certain functions on our behalf. These companies and individuals have access to our users’ personal information in order to perform their functions for Payday-LoanShop.com, but they are not permitted to use our users’ personal information for other purposes. Examples when other companies or individuals may use our users’ personal information may include sending direct mail and E-mail, SMS text-messaging, telemarketing, analyzing data, removing duplicate information from customer lists and providing marketing analysis.
Any and all sensitive Information that we collect from you and from third-parties as part of your cash advance loan application, will be used to determine your eligibility for a loan, should you qualify. If you provide personally identifying information, such as your Social Security number, that information may be used to determine your financial status. Upon qualifying for a loan, your cash advance loan-specific financial information will be stored and utilized in accordance with the terms of your applicable lender’s Privacy Policy.
If we believe that the service and/or Web site is being or has been used in violation of the Web site’s Terms and Conditions, or to commit unlawful acts, we reserve the right to release current or past user information under the following circumstances: if the information is subpoenaed; if we are sold or acquired; or when we consider it necessary or appropriate. Furthermore, by agreeing to these conditions, you hereby consent to disclosure of any record or communication to any third party when we, in our sole discretion, determine the disclosure to be appropriate. This includes, without limitation, sharing your E-mail address with other third-parties for suppression purposes in compliance with the CAN-SPAM Act of 2003, as amended from time to time, and Federal Trade Commission enabling regulations.
Submission of information through your use of our Web site means that you agree to receive mobile marketing, including but not limited to text-message based marketing, from us and from our third party advertisers and marketers. Even though your mobile telephone number may be listed on state and/or federal do-not-call registries, we retain the right, and you agree that we may contact you via text message based marketing and in accordance with applicable state and federal law. Additionally, your registration and/or use of our Web site, amounts to your acknowledgement that such act constitutes an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule (16 CFR §310 et seq.), as amended from time to time (the "TSR"). If your telephone number is listed at the Federal Trade Commission’s Do-Not-Call List, we retain the right and you consent to allow us to contact you via telemarketing, in accordance with the TSR.
HOW WE SAFEGUARD YOUR INFORMATION:
Although no data transmission over the Internet can be guaranteed to be 100% secure, we store all information collected in a technically and physically secure environment. While we strive to protect your personal information, you transmit any information at your own risk. We cannot warrant or ensure the security of any information that you transmit. Upon receipt of your transmission, we make reasonable efforts to ensure its security on our systems. We strictly limit access to this information only to employees who need the personal information to perform a specific job. Your information is not accessible to the public. In the event that we learn of an information security breach with respect to your personal information and in compliance with applicable state and federal laws, we will notify you via E-mail along with any applicable regulatory agencies. However, notice may be delayed in order to address the needs of law enforcement, determine the scope of network damage, and to engage in remedial measures.
OUR PROCESS:
After completing the application page you will automatically be redirected to an applicable third party lender’s or seller’s Web site. As applicable, and in connection with completing your application, we will collect and send your personal information to the respective third party lender or seller. Please note that as a result of your application, you will subject yourself to the third party lender’s or seller’s privacy policy.
YOUR OPT-OUT RIGHTS:
If you want to opt-out from receiving communications from us and/or our third-party partners, please do not submit any of your information to us. When you submit personally identifiable information while visiting our Web site, you have automatically opted-in, meaning that you are requesting that we share your personal information with third parties. However, when you receive marketing communications or are otherwise contacted by these third parties, you should directly notify them how you would like your information used and shared by them.
You may opt-out of any additional E-mail communications regarding our Web site by sending your request in writing via E-mail.
OUR PROTECTION OF THE PRIVACY OF MINORS:
We do not permit individuals less than eighteen (18) years of age to obtain our products and/or services. If you are under eighteen (18) years of age, do not submit your information as it will be removed from our site immediately.
OUR USE OF PIXELS AND COOKIES:
Our Web site pages and/or E-mails may contain electronic images known as "pixel tags." These are used to track the pages that our visitors and/or users visit at the Web site in order to format future campaigns and upgrade visitor information used in reporting statistics. To help determine the effectiveness of a joint promotional or advertising campaign, Pixel tags from third parties may also be present on our Web site.
We may also use "cookies" to help customize your access to our Web site. A cookie contains information about you and is stored on your hard drive. We may use cookies to anonymously track and target our users’ interests and to further enhance the experience on our Web site. Cookies may also be used for advertising tracking purposes.
OUR RIGHT TO CHANGE OUR POLICY WITHOUT PRIOR NOTIFICATION:
We reserve the right to change our policy at any time and without prior notice to you. Your continued use of our Web site, or acceptance of our E-mails following the posting of changes to this Policy, will mean that you accept any and all such changes and that you agree to continue receiving marketing from us and other third party companies. We reserve the right to contact you regarding your account status and changes to subscriber agreements, Privacy Policy, or any other policies or agreements relevant to you.
CONTACT US:
Should you have any questions about our Privacy Policy, or you have any additional questions or concerns, please E-mail us at customerservice@Payday-LoanShop.com.
OUR ISP INFORMATION:
Company Name and Web site: TO BE REMOVED FROM OUR LIST, E-mail us at customerservice@Payday-LoanShop.com.
DISCLAIMER:
THE OPERATOR OF THIS WEB SITE IS NOT A LENDER and does not make cash advances or credit decisions. This site is intended only to match you with the best cash advance lender based on your application. The operator of this Web site is not an agent or representative of any service provider and does not endorse any service or product. Cash transfer times may vary between lenders and in some circumstances faxing may be required. Completion of this application in no way guarantees that you will be approved for a cash advance offer. Typically there are no credit checks, however be sure to ask your individual lender.
*Typically lenders will not perform credit checks with the three credit reporting bureaus: Experian, Equifax, or TransUnion. Credit checks or consumer reports through alternative providers may be obtained by some lenders. Typically, these reports will not affect your credit score.
Important Notice: Cash advance loans should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.
