Throughout this document, payday-loans.loan may be referred to as ‘us’, ‘we’, ‘our’, ‘site’, ‘website’ or ‘company’. Through the use of this website, we maintain a database of prospective customers called the ‘service’. We may use affiliates, third parties and media advertisements to add to the service and promote our website.
When you fill out an application with payday-loans.loan, the information you provide is automatically added to our contact list. As such, you are providing implied consent for us to contact you via telephone, email, text message or postal mail to inform you of the services we offer or promote additional products and services. You can opt out of these communications at any time. Marketing agencies who partner with us may also contact you via these same means, but you are free to unsubscribe from these communications at any time, as well.
If you would like to opt out of communications from us or our marketing partners, please follow the unsubscribe link that can be found at the bottom of any email correspondence from us or by sending us an email with your request. Upon receiving your request, we will also forward it to our affiliates so that they can remove your information from their databases, as well. However, please keep in mind that we can only ensure that your information will be removed from our database as well as the databases of the companies with whom we are affiliated. We cannot be held responsible for stopping solicitations from all third parties.
Our Mission to Protect Your Privacy
We understand that maintaining your privacy is absolutely crucial with all of today’s technology, so we ensure that the information we collect from you is only used to process the transactions you request. Regardless of whether you are a new or existing customer, we will never share your information with anyone outside of our trusted network of lenders and service providers.
Costs Associated with Short Term Loans
Because the APRs associated with short term loans are inherently higher than the APRs associated with other forms of consumer credit, these loans have the potential to become very expensive. Consumers can expect to pay 20% of the total amount of their loan as interest on average. For more information, you can contact the Consumer Federation of America—a group that performs calculations in regard to various types of consumer credit.
Underage Website Use
This website is intended for use only by individuals who are 18 years of age or older. We will never knowingly collect any information from users under the age of 18.
How Your Information is Collected and Used
payday-loans.loan collects information from new and potential customers in order to provide them with the products and services they request as well as to provide them with offers for products and services in which they have expressed an interest. You can stop receiving email communications from us at any time by following the unsubscribe link at the bottom of email communications we have sent you. Much of the information we ask you to provide is absolutely necessary for providing you with the cash advance loan, including your name, address, contact telephone number, work telephone number, balance on mortgages, interest rates on mortgages, your credit scores when necessary, desired loan amount, home type, email address, employer’s name and best times to contact you. All of this information will be used for the purpose of helping you obtain the products and services you request.
There are some cases in which we may collect information about your computer that will be shared with third parties for the purpose of generating statistics for analysis. This information includes your operating system, the browser you use, your IP address, times and dates you accessed our site and the website that referred you to payday-loans.loan. We collect this information so that we can analyze the ways in which our website is used so that we can improve the quality of the services we offer—including the way these services are delivered—and provide you with a better and more rewarding experience. You will never receive any newsletters from us without your permission, and when you fill out an application or otherwise provide us with your email address, your permission is implied.
Policy on Sharing Your Information
payday-loans.loan will never sell or rent your information to third parties, but we may provide your information to third parties whose services are essential for fulfilling your requests. This includes lenders, shipping companies and businesses that provide customer service. These parties are only authorized to use your information to fulfill their obligations to us. We may also disclose your information under the following circumstances:
• When we are required to do so to comply with legal requests, such as when we receive a subpoena
• When we believe that disclosing your information is necessary to protect our rights, the rights of our affiliates or the rights of the other users of this website, to comply with a request from the government, or to investigate actual or alleged fraud
• When our company’s assets are involved in a merger, sale, transfer or any other form of acquisition; you will be notified of any change of ownership that applies to your information as well as any change that affects the collection, use or distribution of your information
• When you have provided your consent for us to do so
Your information may also be shared with third parties that offer products and services in which you may be interested. If you do not want your information shared for this purpose, please send us an email detailing your request.
Your Right to Opt Out of Communications
You can request that we stop sending you communications at any time and at your sole discretion. Similarly, you can also remove your information from our database entirely. To do so, please contact us via email, explain your exact request and allow us 10 business days to make the requested changes. To opt out of text message communications, simply reply to a message with the word ‘QUIT’, ‘END’ or ‘STOP’. You will receive a confirmation of your request.
Information We Disclose to Affiliates
When you provide your information to payday-loans.loan, you are providing your consent to be contacted by the third parties who can offer you the products and services you request. Any information you provide on your application, on forms or during communications with us may be sent to banks, brokers and lenders so that you can obtain information about products and services in which you may be interested. An affiliate is a company who is involved in a legal contract with payday-loans.loan.
In an effort to ensure that your information is kept safe and secure, we utilize only the best industry-recognized security methods to protect it during transmission and once it has been received. However, despite all of this technology, there is never any guarantee that your information is 100% safe. If you have any questions regarding our security procedures or technologies, please send us an email that details your request.
Making Changes to Your Information
If at any time you would like to view, change, update, correct, or even remove the information we have about you in our database, please email us.
We will allow you to unsubscribe from marketing communications from payday-loans.loan and our third parties, but you cannot unsubscribe from communications that are important for maintaining a business relationship with us. If you are no longer interested in the products and services we offer and you want to completely delete your account, please email us with your request. We will stop sending you communications as soon as your request is processed.
Compliance with Do-Not-Call Registry
When you fill out an application or otherwise provide information to payday-loans.loan, you are providing consent to be contacted by us and our affiliates via telephone, email, postal mail or text message regardless of your status on the Do-Not-Call Registry. You can always opt out of communications from us by emailing us.
Retaining Your Information
If you choose to cancel your account with payday-loans.loan, your personal information will be retained as long as is necessary in order to comply with legal requests, to ensure that our agreements are enforced and to resolve disputes. You can cancel your account at any time by sending us an email that details your request.