Personal Data – Collection
In order to qualify for a payday loan or cash advance, you will need to provide some personal information to us through the website. The personal data we collect includes your drivers license or photo identification number, your social security number, your billing address, and perhaps a credit or debit card number. We use this information to verify your identity and to be sure that you are legitimately applying for the loan in question on behalf of yourself.
We will also collect certain financial data from you. We will need to have your checking account or savings account number, along with the routing number of your bank. We may also need to see your types of investments and brokerage account numbers, if your account is through a brokerage firm.
The site will also collect certain demographic data from applicants. This data includes your gender, your age, your zip code and your education level. We collect information about your location based on your IP address. In addition, our system collects information about your computer, including the type of operating system you are using, the type of browser you are using and the page you used that referred you to our site.
We will ask that you provide us with a valid email address and a phone number. We will also ask for your current mailing address and billing address.
How We Use the Information
We use your information to provide customer service to you. We will indicate your personal information on your loan application data so that we are able to quickly access your records to answer any questions and address any concern you may have.
We will also utilize your information to provide you with marketing communications. Most importantly, we use your financial information and contact information to fulfill your loan request and get your funds to you as quickly as possible. When we send marketing communications, such as newsletters or notices of new services, you may opt out from receiving these emails by following the instructions included on the email to “unsubscribe.” If you would prefer, you can contact our support department at ([email protected]) and request that your email address be removed from our marketing communications lists.
Finally, we use your information to make improvements to our website and to our service. We note any data issues and work to correct those issues through the site and within our database. We also perform research and analyses with the data we collect through the website.
Personal Data – Information Sharing
We provide your personal information to lenders and potential lenders who may fulfill your loan. We may share your personal information with customer service representatives so that they may assist you with the application process. We may also be required to share your personal information with legal authorities under certain conditions.
- If we are presented with a subpoena or if we are required to present your personal information to cooperate with law enforcement, we are required to share your personal information. We must share your data if provided with a governmental request to do so.
- We are required to share your personal information if we suspect that your application is fraudulent or if someone other than the owner of the personal data is applying for a loan. In other words, if we suspect identity theft, we must share your personal data with legal professionals and law enforcement.
- If our company is acquired or merged with another company, we will share your personal data, but only after you have been notified of the change in company ownership. We will ask at that time that you update any of your personal information.
- We will share your personal data in order to protect our rights or to protect your safety.
- We will share your personal data upon your request to do so.
- We will share your personal data with our marketing partners so that they may offer products and services that are relevant to you. If you would prefer that we not share your personal data with our marketing partners, please contact our support department at ([email protected]) to make your request.
Tracking Technologies and Cookies
We utilize cookies on our website to save and track your preferences and profile data. Cookies are also utilized to collect statistical and usage data for our site. These tracking cookies collect only general information and contain no personal data. We utilize a third-party company to place the cookies on your computer and to collect non-personal data from users of our site. This data is compiled and studied only in aggregate form and no personally-identifiable data is included.
Our site uses web beacons, which are single-pixel gif images that are utilized in conjunction with cookies to gather and aggregate data about usage of our site. In addition, web beacons may be included in our email correspondence to you. Web beacons provide us with a way of knowing which links in the email have been opened. We use the web beacon technology to assess the effectiveness of our marketing campaigns and email communications.
We utilize the services of a third-party company to analyze the web beacon data. We track variables such as how users utilize our website. These technologies enable us to track which page a user has visited on the site, and which links they have clicked on. We then use this data to improve and optimize the usability and functionality of our site.
Links to Other Websites
We place a high priority on keeping your personal data secure when transmitting your data over the Internet. We utilize an encryption technology known as Secure Socket Layer (SSL) to send your sensitive information. When you transmit your social security number, credit card information and other personal data, your data is encrypted during the transmission and the decrypted on our servers.
We follow generally accepted industry standards for securing and storing your data. However, no data is 100 percent secure. We strive to ensure that your data remains secure at all times. If you have additional questions about transmitting your personal information over the Internet, please contact our support department at ([email protected]) for more information.
You may update or correct your personal data by contacting our support department at ([email protected]).