Privacy Policy
Updated 2/11/14
This Privacy Policy ("Policy") applies to the LoansPayday.info web site. It tells users ("you" or "applicant") of the web site and the services provided therein about the information collected by LoansPayday.info and how LoansPayday.info uses and shares this information.
Types of Information We Collect
LoansPayday.info collects both "personally identifiable information" and "non-personally identifiable information" from or about users of its web sites.
Personally Identifiable Information
LoansPayday.info collects several types of information that may identify a particular individual ("personally identifiable information"). We collect personally identifiable information when you provide it to us through your use of the site, such as by completing one or more stages of an application form to apply for a loan from a lender participating in our lender network ("participating lenders") or by sending questions to us via the web site. The types of personally identifiable information we collect include: name, physical address, telephone number, social security number, email address, date of birth, driver's license number and state, information about home ownership, citizenship status, employment information, active military information, amount and frequency of pay checks, and information about your banking account.
Non-Personally Identifiable Information
Non-personally identifiable information is anonymous information that cannot be associated with a specific individual. The types of non-personally identifiable information that we collect (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 web site sends to your computer while you are viewing the web site to remember who you are without personally identifying you.
LoansPayday.info may share this non-personally identifiable information only in summary form with its suppliers and other third parties for the purpose of web site statistical and trend analysis. This information is not linked to any personally identifiable information that can identify an individual person.
How We Use Personally-Identifiable Information
We use the personally-identifiable information you provide to us through this site in order to deliver the products or services you have requested; provide you with customer support; verify or review your application information to determine whether it meets eligibility requirements for participating lenders; communicate with you by email, postal mail, telephone, and/or mobile devices about products or services that may be of interest to you either from us, our marketing partners, or other third parties; display advertising tailored to your interests or background; perform data and statistical analysis on use of the web site; enforce our terms and conditions, and perform any other functions otherwise described to you at the time we collect the information.
We may review and use your financial information and your social security number to match you with participating lenders in our loan network or other third party lenders with whom we have a business relationship. We may also review your financial information and social security number to verify your identify and protect against possible fraudulent transaction.
Sharing Your Personally-Identifiable Information
LoansPayday.info may share your personally-identifiable information (including, without limitation, your financial account information and social security number) with lenders participating in our lender network and other third party lenders with whom we have a business relationship. These third party lenders may use your personally-identifiable information to offer you a payday loan or to communicate with you about other business or marketing offers. In addition, we may share your personally identifiable information (not including your financial account information and social security number) with unaffiliated third party marketers and list managers with whom we have a business relationship.
Any third parties with whom we share 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 we have transferred or shared it with those third parties as described in this Policy or our Terms and Conditions.
LoansPayday.info 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. We will disclose your personally-identifiable information when we believe 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 our company, our employees, our web site users, or others; or to enforce our website terms and conditions or other agreements or policies.
In addition, in the event that all or substantially all of LoansPayday.info's stock and/or assets are transferred or sold to another entity, LoansPayday.info may transfer personally-identifiable information to the acquiring entity.
Limit sharing
Lenders choose how they share your personal information. Federal law gives consumers the right to limit some sharing but not all and is limited to:
- sharing for affiliated companies' everyday business purposes information about your creditworthiness
- affiliated companies from using your information to market you
- sharing for nonaffiliated companies to market you
State laws and individual companies may give you additional rights to limit sharing. To address concerns or request a change in how your information is shared, please let us know though our contact us form.
California residents may request that your personally identifiable information not be shared with third parties by sending your request, including your full name, email address and postal address through our contact us form on our site. California residents are also entitled to know that they may file grievances and complaints with 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 [email protected].
Links to Third Party Web Sites
We may allow third parties, including advertising partners and payday loan lenders, to display advertisements on our site. These companies may use tracking technologies, including pixels and cookies, to collect information about users of our site that view or interact with these advertisements. LoansPayday.info does not provide personally identifiable information to these third parties.
We may provide links or automatically redirect you to third party web sites 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 web site that LoansPayday.info does not operate or control. You should review the privacy statements and terms of use of all third party web sites you access. These third party web sites may independently solicit and collect information from you. On occasion, those third party web sites may provide us with information about your use of those sites.
Security and Unauthorized Access
LoansPayday.info has put in place physical, procedural, and technological security measures to help prevent unauthorized access to and improper use of the information we collect 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 web site or Internet network can be completely secure. Although we take steps to secure your information, we do not guarantee, and you should not expect, that your personal information, searches, or other communications will always remain secure.
Changes
LoansPayday.info reviews its privacy practices from time to time and these practices may be revised, modified, updated, and/or supplemented at any time and without prior notice at the sole and absolute discretion of LoansPayday.info. You should review this Policy each time you access the web site. Amended terms will be automatically effective the day they are posted. Your continued used of this website after such changes constitutes your agreement to the changes.
Other Information
Use of this service is prohibited for residents of New York, Georgia, Massachusetts, Virginia, West Virginia and additional states can be added at any time without prior notice.
The operator of this website does not lend money nor is an agent or broker for any lender and/or financial institution in connection to its loan matching service. LoansPayday.info does not endorse or recommend the products of any specific lender nor is it not involved with the lender's use and/or review of your application information or in making a determination about whether you meet a particular lender's loan qualification criteria. The lender is solely responsible for its services to you, and you agree that LoansPayday.info shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of the loan matching service. You understand that participating lenders may keep your application information, whether or not you are qualified for a loan with them.
LoansPayday.info does not guarantee acceptance into any particular loan program or specific loan terms of conditions with any participating lender. LoansPayday.info does not guarantee that the price, product, availability, rates, fees, or any other loan terms offered and made available by participating lenders through the loan matching service are the best terms available in the market.
Questions
Any questions or concerns regarding this policy should be directed to our contact us form.
