Effective Date: 1/28/2011; Last Updated 10/21/2012
Payday Loans has been awarded TRUSTe’s Privacy Seal signifying that this privacy policy and practices have been reviewed by TRUSTe for compliance with TRUSTe’s program requirements[HB1] including transparency, accountability and choice regarding the collection and use of your personal information. TRUSTe’s mission, as an independent third party, is to accelerate online trust among consumers and organizations globally through its leading privacy trustmark and innovative trust solutions.
Payday Loans If you have questions or concerns regarding this statement, you should first contact If you are not satisfied with our response you can contact TRUSTe here[HB2] . TRUSTe will then serve as a liaison with the Web site to resolve your concerns.
Payday Loans YOUR PRIVACY IS OUR CONCERN
Payday Loans We recognize the importance of protecting your personal information. We collect and retain information about you to communicate with you, to process your requests for products and services, and to inform you about other financial services that may be of interest to you through our newsletter. Except as explained in our Privacy Policy, we do not sell nonpublic personal information about current or former customers, nor do we share this type of information with anyone other than our affiliates. The examples in this Privacy Policy are illustrative only and are not intended to be exclusive.
Payday Loans We want consumers to feel comfortable using the Site and participating in the Service, so we have created this Privacy Policy to let you know what information we may collect from you on the Site and through the Service and how we may use that information. By using the Site and participating in the Service, you agree to accept the terms of our Privacy Policy. If you do not agree to the terms of this Privacy Policy, please do not use the Site or participate in the Service.
GENERAL INFORMATION COLLECTION AND USE
Payday Loans collects information through the Site from our prospective and existing customers at several different points on our web sites. We use contact information to send information about our company and to service existing accounts. You will only be asked to provide general personal information, employment and banking information.
Payday Loans Information about your computer hardware and software is automatically collected by Payday Loans and may be shared in aggregate with third parties whose services are used for traffic analysis purposes. This information includes: your IP address, browser type, domain names, access times and referring Web site addresses. This information is used by psya.co.uk to maintain and improve the quality of the service and to generate statistics regarding use of the Payday Loans site. Payday Loans does not use third party databases to correct or update the information you submit to us for any reason.
Payday Loans We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
COOKIES
Payday Loans A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. There are two types of cookies that we use: session ID cookies and persistent cookies.
Session ID cookies make navigation on our website easier for you. A session ID cookie expires when you close your browser.
Persistent cookies enable password storage and recognition when you navigate our website. The use of persistent cookies also allows us to follow the interests of our users to enhance the experience on our site. A persistent cookie remains on your hard drive for an extended period of time. You can remove persistent cookies by following directions provided in your Internet browsers help file.
Payday Loans We link the information we store in cookies to personally identifiable information you submit while on our site.
If you reject cookies, you may still use our site, but your ability to use some areas of our site will be limited.
THIRD PARTY COOKIES
The use of cookies by our tracking utility company is not covered by our privacy statement. We do not have access or control over these cookies. Our tracking utility company uses session ID cookies to make it easier for you to navigate our site.
CONFIDENTIALITY & SECURITY
Payday Loans We use a variety of security technologies and procedures to help protect your personal information from unauthorized access, use, or disclosure. For example, we store the personal information you provide on computer systems with limited access, which are located in controlled facilities. When we transmit highly confidential information (such as banking details) over the Internet, we protect it through the use of encryption, such as the Secure Socket Layer (SSL) protocol. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, we cannot guarantee its absolute security.
LINKS
Payday Loans This web site contains links to other sites. Please be aware that Company is not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by Company even in cases where we may frame another site with our own. From time to time we may co-brand certain services with third parties. It will be clear at the point of collection who is collecting such information and whose privacy statement governs. For example, without limiting the foregoing, we co-brand with insurance brokers, credit reporting agencies and, automotive companies.
DISCLOSURE
Payday Loans We cannot ensure that all of your private communications and other personally identifiable information will never be disclosed in ways not otherwise described in this Privacy Agreement. By way of example (without limiting the foregoing), we may be forced to disclose information to the government or third parties under certain circumstances as required by law, or third parties may unlawfully intercept or access transmissions or private communications.
Payday Loans In addition, if you opt-out of future contact from Company by using the opt-out mechanism provided in each e-mail we send to you on behalf of a third party service provider other than Company, we will provide your email address to the third party service provider so that the third party service provider can add your name and contact information to its own do-not-contact list.
Payday Loans As Company develops, we may buy other businesses or their assets or sell our business assets. Customer information is generally one of the business assets involved in such transactions. Thus, in the event that Company or all of its assets are acquired, customer information, including any visitor information collected through the Site, would be one of the transferred assets. If Company is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our Web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information. For more information see our Notification of Changes section below.
SHARING INFORMATION WITH AFFILIATES
Payday Loans When you submit your request for information or quote, you are granting permission to be contacted by Payday Loans or affiliated third parties. We share the contact and loan request data you submit on the application and Payday Loans account number information with affiliated companies such as banks, commercial lenders and licensed loan brokers to fulfill payday loan requests we receive from you, as well as to inform you of product and service opportunities that may be of interest to you. We may disclose all of the information we collect, as described above, to the following types of affiliated companies: financial service providers, such as mortgage and life insurance agencies, title service companies, debt & credit services companies and auto finance companies. An affiliate company is a company under legal contract with Payday Loans to fulfill services or is a company owned in whole or in part by Payday Loans.
SHARING INFORMATION WITH CO-BRANDED PARTNERS
Payday Loans Some of the services offered on our website are co-branded with contracted partners. Co-Branded offerings will be identified directly on the application for the product or service you choose prior to you having to submit the application. Where a co-branded product or service provider is identified your Personally Identifiable Information will be transferred directly to that provider’s website, not Payday Loans. The Product or Service provider shall control your data once submitted to them. For purposes of identification and tracking, your contact information (name, Address, Phone, e-mail address, etc.) is shared with Payday Loans.
Payday Loans We may use personal information to provide the services you’ve requested, including services that display customized content and advertising. In addition to any fee of which you are notified, your provider’s standard messaging rates apply to our confirmation and all subsequent SMS correspondence. You may opt-out and remove your SMS information by sending “STOP”, “END”, “QUIT” to the SMS text message you have received. If you remove your SMS information from our database it will no longer be used by us for secondary purposes, disclosed to third parties, or used by us or third parties to send promotional correspondence to you.
Payday Loans We do not share, sell, lend or lease any of the information that uniquely identifies a subscriber (such as email addresses or personal details) with anyone except to the extent it is necessary to process transactions or provide services that you have requested. Countries in the European Economic Area (EEA) are required to have a similar standard of protection of personal data.
OUR FORMER CUSTOMERS
Payday Loans We treat information about our former customers in the same manner as we treat information about our current customers.
FRAUD PREVENTION
Payday Loans If provided information is found to be false or intentionally inaccurate, all provided information including customer service data, will be passed to fraud prevention agencies. The lender and other organizations may also use this information for the same purpose.
NOTIFICATION OF CHANGES
Payday Loans If at any point we decide to use personally identifiable information in a manner materially different from that stated at the time it was collected, we will prominently post a notice on the website for 30 days or make a reasonable effort to notify users by way of an e-mail prior to the changes becoming effective.
CORRECT/UPDATE/DELETE INFORMATION
Payday Loans If you would like to verify any data that we have received from you, make any corrections, delete or disable the use of your personal information
