PaydayLoans@ ("the Company") owns and operates the website paydayloansat.com ("the Website", "the Site"). The consumer database is not operated by the Company through the Website. The owner of the Company is not a lender and doesn't make credit or payday loan decisions. Consumers who performed their intention or interest in applying for financial products or services provided by the Company and have affirmatively requested to be contacted by the business representatives are offered lenders participating in the Company's network. PaydayLoans@ is neither an agent of some financial service provider nor a representative of any product. Media advertisements are utilized by the Company to promote the Website for the customers interested in filling out the online application form suggested on the Site.
The direct lenders receiving customer information from PaydayLoans@ don't accept data from children under 18 years.
The Website of the Company can be considered as a mediator between direct payday lenders and potential borrowers. As the customer submits the online application form, the data is received by the lender who informs the applicant about the credit decision. Contact and financial details are required within the application to make the verification of the name, address and some other individual data.
It is not required to complete the registration form to use the Website. Also the Company doesn't send any information, like updates or newsletters, to its customers. The information published on the Site may be used to learn about the products performed by the direct lenders in detail. The Website is designed in a way to provide convenience for its users, thus, the information is structured in a form of categories.
Cookies are the pieces of specific data stored on the user's hard drive. The personally identifiable information is in no way tied to the cookie use while on the Website. The users may refuse the cookies and still use the Site, however, the ability to access particular features may be lost.
The Website contains links to other sites, thus, the customers should be aware that the Company is not responsible for the practices of these websites. It is advisable for the users leaving the Website to learn the privacy statement of every site they visit.
The Company uses specific security processes and technologies to keep consumer information protected from unauthorized access, disclosure or use. When the highly confidential data is transferred to the direct lenders through the Internet, it is protected by the particular encryption, such as Secure Socket Layer (SSL) protocol.
The Company can't give absolute guarantees that the consumer data will never be disclosed in ways not otherwise explained in this Privacy Agreement. Under particular circumstances (if required by the law, for instance) the government may force the owner of the Company to disclose the data. In addition, the Company reserves its right to disclose the consumer data in case of an outstanding reason to consider that disclosing of specific details is necessary to identify, contact or bring legal action against an individual who can cause injury to or interference with the rights or property of the Company, other members, visitors or anybody else who can be hurt by such activities, either intentionally or unintentionally.
The consumer data and payday loan requests are shared only with the direct lenders who keep it protected and safe for sure. Even the operator of the Website doesn't have any access to the individual information provided by the customers in the online application form. Submitting the personal and/or contact details, the user of the Website constitutes his/her permission to the payday lenders cooperating with the Company to contact them as for the issues related to the loan requests and lending process itself. Thus, applicants waive their right to file any claims concerning these contacts to the Federal Trade Commission (FTC) or any other agency.
Confidentiality and Security
The Company maintains procedural, electronic and physical safeguards which comply with the federal standards to keep individual nonpublic information protected against unauthorized access and/or use.