Privacy Policy for PaydayLoanSolutions.net

Website Privacy Policy

Payday Loan Solutions (“PaydayLoanSolutions.net”, referred to as “us” or “we”), owns and operates this website. PaydayLoanSolutions.net respects the privacy of our service users (“you” or “your”) and has written this Privacy Policy as part of its commitment ensuring your privacy is protected. If you use this or any other of the PaydayLoanSolutions.net family of websites relating to cash advances or payday loans (collectively, “our websites”); If you access or respond to advertisements or offers e-mailed or displayed to you; or if you are otherwise as a user of the services provided by PaydayLoanSolutions.net, this Privacy Policy is intended to describe, among other things:

* What information we collect about you

* How we use the information we collect

* With whom your information is shared

* How you can access the information we have collected about you

* Your choices about our collection and use of your information

* How we protect your personal information

We encourage you to read this Privacy Policy carefully when using our website or services, responding to our advertisements and offers, or transacting business with us. By using our websites, you are accepting the practices described in this Privacy Policy.

If you have any questions about our privacy practices, please refer to the end of this Privacy Policy for information on how you can contact us.

WHAT INFORMATION WE COLLECT ABOUT YOU

SUMMARY

We may collect personal information that can identify you, such as your name and e-mail address, as well as other information that does not identify you personally. When you provide us with personal information through our websites, the information may be sent to PaydayLoanSolutions.net servers located in the United States and other countries around the world.

INFORMATION YOU PROVIDE.

We may collect and store your chosen username and password and any personal information you enter on our websites (for example, the information you provide on loan or credit line applications, registration forms and quizzes). This list is not exhaustive, and we may also collect information that you provide to us in some other manner whilst using our websites. This includes:

* Information that identifies you (such as your name, home or mailing address, e-mail address, telephone numbers, fax number, Social Security number and driver’s license number)

* Information about your home (including your tenure at your present home, home ownership or tenancy status)

* Information about your employment (such as employer’s name, location, address and telephone number and the length of your employment)

* Your financial information (such as your income, pay dates, assets and debts)

*Information about the people you give as references (such as name and telephone number)

* Other personal information, which may include your gender, age, citizenship and military status, information you give us when completing a survey, and,

* Financial information if you apply for a loan, credit line or other product for which a fee is charged (such as your bank’s name and contact information, your bank account number and type, ABA routing number, valid credit card number, type, expiration date or other financial information.

We may also track your interaction with email advertisements sent to you by PaydayLoanSolutions.net or others selected by us (for example, when you register, purchase, or browse in response to such emails).

LIST INFORMATION FROM VENDORS.

We may obtain information about you that you have provided to a third party and you permit that party (the “Seller”) to share the information with others, which PaydayLoanSolutions.net subsequently purchases, licenses or otherwise lawfully acquires. Such information may include, but is not limited to:

* your name

* street address

* zip code

* telephone numbers

* birth date

* gender

* salary range

* education

* marital status

* occupation

* industry of employment

* personal and/or online interests

This includes any other information which you give to the Seller (referred to as “Vendor List Information”). When acquiring Vendor List Information, PaydayLoanSolutions.net requires assurances from the Seller that the Seller has a right to transfer the Vendor List Information to PaydayLoanSolutions.net and that PaydayLoanSolutions.net may lawfully use the Vendor List Information to use your information to contact you with offers of service.

INFORMATION FROM OTHER SOURCES.

We may periodically obtain both personal and non-personal information about you from business partners, contractors and other third parties. In addition, we may gather information about you from public databases. Examples of information that we may receive include information about your home and additional demographic information. However, PaydayLoanSolutions.net does not access credit reports on loan or credit line customers or engage in loan processing. We do not collect “experience” information (such as a customer’s account history with a lender) as defined in the Fair Credit Reporting Act.

INFORMATION ABOUT OTHERS.

We may collect and store personal information that you provide about other people (such as co-borrowers and references), including their name, address, phone number, Social Security number, financial information or other personal information.

AUTOMATIC INFORMATION COLLECTION USING COOKIES AND OTHER TECHNOLOGIES.

We and our authorized service providers, advertising companies, and advertising networks may use “activity tracking technologies” such as cookies, pixels and web beacons to collect information from your computer about your activities when you visit our websites or interact with our advertisements (see “Information Collected by Third Parties” below). We and these third party companies may automatically collect information from your browser when you visit our websites. This information may include your IP address, your browser type and language, access times, the content of any undeleted cookies that your browser previously accepted from us or them (see “Cookies” below) and the referring website address.

COOKIES. When you visit our websites, we may assign your computer one or more cookies, to improve your experience when accessing our websites, to personalize your online experience, and to record information about your visit to our websites. A cookie is a small packet of data stored on the hard drive of your computer that allows your browser to store your preferences and allows PaydayLoanSolutions.net, our authorized service providers, partner companies and advertising networks to identify you by a unique identifier and associate this with corresponding information in our or their database. By using a cookie, we and these other companies may store your registration information and user preferences. They may also automatically collect information about your activity on their websites such as the pages you visit, the links or advertisements you click, or the other activities you perform while on our websites. We may also use cookies to store and associate with you personal information you submit on our websites (including, but not limited to, name, e-mail address, mobile telephone number, driver’s license number and bank or financial account information) to make the process of finding a loan through our websites easier for you. In addition, PaydayLoanSolutions.net may set a cookie on your computer when you view our advertisements delivered on or in connection with a third-party website you are visiting. After a cookie is set, PaydayLoanSolutions.net may track how you interact with the advertisement (for example, registering, purchasing, browsing, etc.). Most browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. If you choose to decline cookies, please note that you may not be able to sign in to your account or use some of the interactive features offered on our websites.

OTHER TECHNOLOGIES. We may use other widely-used Internet activity tracking technologies, such as web beacons and similar technologies, to track how you use our websites or how you interact with our advertisements. A web beacon is a string of programming code used to display an image on a web page and can also transfer your user identification to a database and associate you with previously acquired information about you. We may include web beacons in promotional e-mail messages or newsletters that we send to you or online advertisements to determine whether messages have been opened or acted upon. We may use the information we gather in this way to customize the services and offers we provide to you, to deliver targeted advertisements, and measure the overall effectiveness of our online advertising, content, programs or other activities.

INFORMATION COLLECTED BY THIRD PARTIES.

We may allow third-parties, including our authorized service providers, advertising companies, and advertising networks, to display advertisements and other content on our websites, and to deploy technology for our benefit, for example, to load web pages quicker or to measure website traffic. We and these companies may use tracking technologies, such as cookies and pixels, to collect information about users who view or interact with these advertisements and/or connect to our websites. The information collected allows us and these companies to offer and measure, among other things, the effectiveness of targeted advertisements. Some of these third-party advertising companies may be advertising networks that are members of the Network Advertising Initiative (www.networkadvertising.org), which offers a single location to opt out of advertisement targeting from member companies.

HOW WE USE THE INFORMATION WE COLLECT

SUMMARY

We may use information that we collect about you in any number of the following ways:

* to deliver products and services that you have requested from us;

* to send offers of interest based on information you have given us and that you have opted in to receive;

* to manage your relationship with us and offer you customer support;

* to carry out research and analysis about your use of, or interest in, our products, services or content;

* to carry out research and analysis about your use of products, services or content offered by third parties through our websites;

* to keep in touch with you by e-mail, postal mail, telephone and/or mobile devices about products or services that may be of interest to you either from us or third parties;

* to develop and display content and advertising (such as targeted advertisements) tailored to your interests on our websites and other websites;

* to verify your eligibility and deliver prizes in connection with promotions, contests and sweepstakes;

* to enforce our terms and conditions;

* to protect PaydayLoanSolutions.net, our websites, our customers and/or our other users from fraud, hacking or other harm;

* to cooperate with legal, criminal or regulatory investigations or proceedings;

* to manage our business; and

* to perform functions as otherwise described to you at the time of information collection.

By giving us your land line more mobile telephone numbers, you expressly agree that we may call you, including the use of automatic dialer systems to your land line or mobile telephones, send SMS or MMS messages to you, or contact you by any means described above.

FINANCIAL AND APPLICATION INFORMATION.

We use the financial, financial account and other application information you provide to match you with lenders or to provide their or other third parties’ conditional loan, credit line, shopping card and similar offers to you that you have requested, to verify your identity, to protect against or identify possible fraudulent transactions, or otherwise as needed to manage our business, and to charge you or debit your financial account for any fees related to your application or any product you have requested.

Please review the “Your Choices About Collection and Use of Your Information” section below.

WITH WHOM YOUR INFORMATION IS SHARED

In this section, we will explain when and with whom we may share the personal information we have collected about you, information we may have automatically collected about your use of our websites or services or information gathered when you communicate with us - for example, by responding to our emails.

PERSONAL INFORMATION. You can be confident that we do not share your personal information with anyone except under the express terms set out below.

With the exception of your highly sensitive personal information, such as your Social Security number and financial or bank account information, we may share all personal information with the following third parties:

AUTHORISED SERVICE PROVIDERS. We may share your personal information with our authorized service providers that carry out certain tasks and provide services on our behalf. For example, we may engage with third party organisations to process payments, provide data storage, assist in marketing our products or services, carry out audits of our services and proesses, provide analysis of our web traffic and site utilisation, and provide hosting, design, development and other operations that make our websites work. We may commission other third-party service providers to help us communicate with you by e-mail, direct mail, SMS or telephone communication. We will only permit the sharing of personal information required to enable these third party providers to provide these services, and place requirements upon them to the same extent as PaydayLoanSolutions.net, including not using it for any improper purpose.

BUSINESS PARTNERS. When you express an interest in products, services or promotions offered through our websites or services, we may share your expression of interest with our business partners to offer you those products in which you expressed an interest or other services orpromotions. Where applicable, we will also share information with our business partners’ affiliates and third-party finder or marketing companies. When you decide to opt into a particular offer or program, you authorize us to share your e-mail address and other information to those businesses.

LENDERS AND OTHER PARTNERS. When you submit a completed application for a loan, credit line, shopping card or other product featured on our websites (an “Application”), you agree that we may share your personal information with lenders and our business partners with your prior consent in order to enable you to find a loan. We may also share your bank or financial account information with lenders and our business partners so that they can charge you or debit your account for any fees related to your Application or any other product you have requested. If you submit an incomplete Application (that is, an Application where some sections are left blank), we may share your personal information with lenders and our other business partners, who may offer to help you complete your Application or possibly make conditional offers to you. No credit check will be performed by PaydayLoanSolutions.net - we offer a service to match you with potential lenders and do not offer funds or carry out credit scoring that may be used to assess your suitability for a loan, credit line or other products or services. Because lenders and other partners you may be matched with through PaydayLoanSolutions.net may retain or use your personal information irrespective of whether or not you qualify for or obtain a loan, credit line, shopping card or other product from them, you should contact these organisations directly for details of their privacy and information sharing practices.

AFFILIATES. We may share information we collect, not including sensitive personal information, with other companies affiliated with PaydayLoanSolutions.net, some of which are companies offering products and services other than finance. Sharing information with these other companies enables us to provide you with information about a variety of products and services that might be of interest to you. Companies affliated to us are bound to comply with the regulations set out in this Privacy Policy and all applicable privacy and security laws and, at a minimum, will offer the opportunity to opt out from receipt of e-mail messages from that affiliate company in the future. PaydayLoanSolutions.net will not share any personally identifiable information that bears on your creditworthiness with affiliated companies under any circumstances.

SPECIAL NOTICE TO CALIFORNIA RESIDENTS. PaydayLoanSolutions.net will not share any personal information about you with other affiliated companies to the extent prohibited by applicable California law or to the extent your prior consent to share is required by applicable California law.

SPECIAL NOTICE TO VERMONT RESIDENTS. PaydayLoanSolutions.net will not share any personal information about you with other affiliated companies to the extent prohibited by applicable Vermont law or to the extent your prior consent to share is required by applicable Vermont law.

OTHER SITUATIONS. We also may disclose your information:

* In response to a subpoena or similar investigative demand, a court order or a request for cooperation from a law enforcement or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law.

* When we believe disclosure is appropriate in connection with efforts to investigate, or to prevent or take other action regarding, illegal activity, suspected fraud or other wrongdoing; to protect and defend the rights, property or safety of our company, our users, our employees or others; or to enforce our websites’ terms and conditions or other agreements or policies.

* In connection with a substantial corporate transaction, such as the sale of our business, a divestiture, merger, consolidation, asset sale or in the unlikely event of bankruptcy.

Any third party persons or organisations to which we may disclose your personal information may have in place privacy policies of their own that set out how they gather, use and disclose personal information held by them. With the exception of companies directly affiliated to PaydayLoanSolutions.net, who agree to be bound by this Privacy Policy with respect to any of your personal information we may share with them, third party use of your personal information will be governed by the policies of that third party organisation. If you want to learn more about their privacy practices, we encourage you to visit the websites of those third parties. These entities or their servers may be located either inside or outside the United States.

AGGREGATED AND NON-PERSONAL INFORMATION. We may share aggregated information (i.e., information about you and other customers collectively, but in which you cannot be personally identified) and other non-personal information we collect under any of the above circumstances. In addition, we may also share it with third parties and affiliated companies to develop and deliver targeted advertising on our websites and on the websites of third parties. We may combine non-personal information we collect with additional non-personal information collected from other sources. We also may share aggregated information with third parties for the purpose of conducting analysis of our business. For example, in discussion with our advertisers we may disclose the number of visitors we receive to our websites and the popular pages, services or products acessed. This type of information does not contain any personally identifiable data and may be used to develop our business, our website content and services and our relationships with advertisers and third party companies to provide products and advertisements that users will find interesting and relevant.

THIRD PARTY WEBSITES. When using our websites, there are opportunities to click on a link to access other websites that do not operate under this Privacy Policy. For example, if you choose to visit a website from a link on one of our websites or click on an advertisement, you will leave our website. The content of these websites is not the responsibility of PaydayLoanSolutions.net and the Privacy Policies of such websites are not in our control. We recommend that you consult the privacy statements of all third-party websites you visit by clicking on the “privacy” link typically located at the bottom of the webpage you are visiting.

We would only disclose your sensitive personal information, such as your National Security number and financial or bank account details, in limited situations, such as to process a transaction or match you with a lender at your request. We do not share this information for marketing purposes or without your prior consent.

HOW YOU CAN ACCESS YOUR INFORMATION

If you have submitted an Application to us, you can update your personal information by contacting us for assistance. More information about how to contact us is provided at the bottom of the page. We will process your request, where possible and subject to the terms contained in this Privacy Policy, within a reasonable period of time after receipt. To protect your privacy and security, we will take all reasonable steps to verify your identity before granting access or making amendments.

YOUR CHOICES ABOUT COLLECTION AND USE OF YOUR INFORMATION

You may decide not to provide us with certain information about yourself. You should be aware that by doing so, you may be unable to use certain features of our websites if the information you choose not to share is required for you to obtain products or services.

If you would like us to delete personal information we have collected from you, please send your request via e-mail. We will process your request, where possible and subject to the terms and conditions contained in this Privacy Policy, within a reasonable period of time after receipt. However, federal and state regulations and/or the need to administer our relationships with our advertising networks and other third parties may require that we store certain information for various periods of time. In order to comply with these laws and other regulations, we may be unable to delete your information from our database until the expiration of the applicable period. However, we will use reasonable commercial efforts to delete your personal information no later than three (3) months after receiving your request, unless a longer retention period is required by law.

By signing up or submitting information to any of our websites, you are consenting to receive e-mail messages and newsletters from us indefinitely. You will be offered the choice, in any commercial email you receive from us, to opt out of receipt of future email messages and newsletters. It is also possible to opt out using the “unsubscribe” links on our websites. It may take up to 10 business days for us to fully process an opt-out request. In addition to e-mail newsletters, we may send you other types of transactional and relationship e-mail communications, such as conditional offers, requests for additional information, confirmations, service updates or announcements, administrative notices and surveys, without offering you the opportunity to opt out. Please note that opting out of receipt of commercial e-mail communications will only affect future activities or communications from us. If, under the terms of this Privacy Policy, we have shared your personal information with a third party company before you changed your preferences or updated your information, you may need to contact that third party directly in order to change your preferences or details.

If you are receiving SMS messages from us, you may opt out from further SMS messages and remove your SMS information from our database by responding to a message from us with the word “STOP” in the body of the message.

HOW WE PROTECT YOUR PERSONAL INFORMATION

We take appropriate security measures (including physical, electronic and procedural measures) to help safeguard your personal information as far as possible from unauthorized access and disclosure. For example, only authorized employees and authorized third-party service providers are permitted to access personal information, and they may do so only for permitted business functions. In addition, personal information you submit toPaydayLoanSolutions.net through our websites is transmitted through an encrypted SSL connection, and PaydayLoanSolutions.net’s computers and networks have security measures, such as firewalls, to protect against the loss, misuse and/or alteration of the information under PaydayLoanSolutions.net’s control.

We want you to feel confident using our websites to transact business. However, no system can be completely secure. Therefore, although we take steps to secure your information, we do not promise, and you should not expect, that your personal information, searches or other communications will always remain secure. Users should also take care how they handle and disclose their personal information. Please refer to the Federal Trade Commission’s website (http://www.ftc.gov/bcp/menus/consumer/data.shtm) for information about how to protect yourself against identity theft.

OTHER INFORMATION ABOUT OUR PRIVACY PRACTICES

CALIFORNIA RESIDENTS. If you are a resident of California, in addition to the rights set forth in this Privacy Policy, you have the right to request information from us regarding the manner in which we share certain categories of personal information with third parties for their direct marketing purposes. California law gives you the right to send us a request at a designated address to receive the following information:

* the categories of information we disclosed to third parties for their direct marketing purposes during the preceding calendar year;

* the names and addresses of the third parties that received that information; and

* if the nature of the third party’s business cannot be determined from their name, examples of the products or services marketed.

We may provide this information in a standardized format that is not specific to you. You can request this information by e-mail.

Children’s Privacy

Our websites are for adults, and we do not knowingly collect personal information from children under the age of 18.

VISITING OUR WEBSITES FROM OUTSIDE THE UNITED STATES

This Privacy Policy is intended to cover collection of information on our websites from residents of the United States. If you are visiting our websites from outside the United States, please be aware that your information may be transferred to, stored and processed in the United States where our servers are located and our central database is operated. The data protection and other laws of the United States and other countries may differ from those in your country and might not be as comprehensive. Please be assured that we seek to take reasonable steps to ensure that your privacy is protected. By using our services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this privacy policy.

NO RIGHTS OF THIRD PARTIES

This Privacy Policy does not create rights enforceable by third parties or require disclosure of any personal information relating to users of our websites.

CHANGES TO THIS POLICY

From time to time, we review and revise our policies, including this Privacy Policy. When the Policy is changed, we will update the “last updated” date at the top of the page. We strongly advise that you check this page regularly so you may keep abreast of changes to our practices and services with regard to our use of your information. Any chances to this Policy will only affect information collected after such changes are posted on our websites.

CONTACT US

If you have any questions about our Privacy Policy or our information-handling practices, or if you would like to request information about our disclosure of personal information to third parties for direct marketing purposes, please contact us by email at [email protected].

If you require any more information or have any questions about our privacy policy, please feel free to contact us by email at [email protected]

At PaydayLoanSolutions.net, the privacy of our visitors is of extreme importance to us. This privacy policy document outlines the types of personal information received and collected by PaydayLoanSolutions.net and how it is used.

Log Files

Like many other Web sites, PaydayLoanSolutions.net makes use of log files. The information inside the log files includes internet protocol ( IP ) addresses, type of browser, Internet Service Provider ( ISP ), date/time stamp, referring/exit pages, and number of clicks to analyze trends, administer the site, track user?s movement around the site, and gather demographic information. IP addresses, and other such information are not linked to any information that is personally identifiable.

Cookies and Web Beacons

PaydayLoanSolutions.net does not use cookies.

Some of our advertising partners may use cookies and web beacons on our site.

These third-party ad servers or ad networks use technology to the advertisements and links that appear on PaydayLoanSolutions.net send directly to your browsers. They automatically receive your IP address when this occurs. Other technologies ( such as cookies, JavaScript, or Web Beacons ) may also be used by the third-party ad networks to measure the effectiveness of their advertisements and / or to personalize the advertising content that you see.

PaydayLoanSolutions.net has no access to or control over these cookies that are used by third-party advertisers.

You should consult the respective privacy policies of these third-party ad servers for more detailed information on their practices as well as for instructions about how to opt-out of certain practices. PaydayLoanSolutions.net privacy policy does not apply to, and we cannot control the activities of, such other advertisers or web sites.

If you wish to disable cookies, you may do so through your individual browser options. More detailed information about cookie management with specific web browsers can be found at the browsers respective websites

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