Types of Information We Collect
This Website collects both “personally identifiable information” and “non-personally identifiable information” from or about users of its web sites.
This Website collects several types of information that may identify a particular individual (“personally identifiable information”). We collect personally identifiable information when you provide it to us through your use of the site, such as by completing one or more stages of an application form to apply for a loan from a lender participating in our lender network (“participating lenders”) or by sending questions to us via the web site. The types of personally identifiable information we collect include: name, state and email address. The form included on this website collects personally identifiable information such as name, state and email address, date of birth, driver’s license number and state, information about home ownership, citizenship status, employment information, active military information, amount and frequency of pay checks, and information about your banking account. The information you submit via the form goes directly to lenders in our network and are not kept on our server.
From all the information you submit our website may collect only email, your name and state.
Non-personally identifiable information is anonymous information that cannot be associated with a specific individual. The types of non-personally identifiable information that we collect (either directly, through the use of “cookies,” or through the use of a third party tracking system) include: the IP address of the computer making the request; your browser type and language; access times; information about areas of the site visited by users of the site; information about the links that users may select to visit on the site. IP addresses are not usually associated with your personal computer, but with a portal through which you accessed the Internet. IP addresses are not linked to personally identifiable information. A “cookie” is a piece of information a web site sends to your computer while you are viewing the web site to remember who you are without personally identifying you.
This Website may share this non-personally identifiable information only in summary form with its suppliers and other third parties for the purpose of web site statistical and trend analysis. This information is not linked to any personally identifiable information that can identify an individual person.
We may allow third parties, including advertising partners and payday loan lenders, to display advertisements on our site. These companies may use tracking technologies, including cookies, to collect information about users of our site who view or interact with these advertisements. This Website does not provide personally identifiable information to these third parties.
We use the personally-identifiable information you provide to us through this site in order to deliver the products or services you have requested; provide you with customer support; verify or review your application information to determine whether it meets eligibility requirements for participating lenders; communicate with you by email, postal mail, telephone, and/or mobile devices about products or services that may be of interest to you either from us, our marketing partners, or other third parties; display advertising tailored to your interests or background; perform data and statistical analysis on use of the web site; enforce our terms and conditions, and perform any other functions otherwise described to you at the time we collect the information.
We may review and use your financial information and your social security number to match you with participating lenders in our loan network or other third party lenders with whom we have a business relationship. We may also review your financial information and social security number to verify your identify and protect against possible fraudulent transaction.
This Website may share your personally-identifiable information (including, without limitation, your financial account information and social security number) with lenders participating in our lender network and other third party lenders with whom we have a business relationship. These third party lenders may use your personally-identifiable information to offer you a payday loan or to communicate with you about other business or marketing offers. In addition, we may share your personally identifiable information (including your financial account information and social security number) with unaffiliated third party marketers and list managers with whom we have a business relationship.
This Website will disclose your personally-identifiable information in response to a subpoena or similar investigative demand, a court order, or a request for cooperation from a law enforcement agency or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. We will disclose your personally-identifiable information when we believe disclosure is necessary to investigate, prevent, or take action regarding illegal activity, suspected fraud or other wrongdoing; to protect and defend the rights, property, or safety of our company, our employees, our web site users, or others; or to enforce our website terms and conditions or other agreements or policies.
In addition, in the event that all or substantially all of This Website’s stock and/or assets are transferred or sold to another entity, This Website may transfer personally-identifiable information to the acquiring entity.
This Website’s policies, content, information, promotions, disclosures, disclaimers and features may be revised, modified, updated, and/or supplemented at any time and without prior notice at the sole and absolute discretion of This Website. Changes to this Policy will be posted on This Website and we will revised the “last updated” date at the top of this policy. You should review this Policy each time you access the web site. If we make any material changes in the way we collect, use, and/or share personal information that may impact you, we will notify you by sending an email to the email address you most recently provided to (unless we do not have an email address for you) and/or by prominently posting notice of the changes on this web site.
Our web site is not intended for use by children under the age of 13. We do not knowingly collect personally-identifiable information from children under the age of 13.
This Website has put in place physical, procedural, and technological security measures to help prevent unauthorized access to and improper use of the information we collect online. For example, only authorized employees and authorized third parties are permitted to access personally-identifiable information, and they may do so only for permitted business functions. No web site or Internet network can be completely secure. Although we take steps to secure your information, we do not guarantee, and you should not expect, that your personal information, searches, or other communications will always remain secure.
Accessing Your Personally-Identifiable Information
If you would like to review and/or request changes to the personally identifiable information that we have collected about you through your use of This Website, please contact us by writing or sending email to the addresses below.
We provide you the opportunity to “opt-out” of having your personally identifiable information used for certain purposes, when we ask for this information. For example, if you fill out an application, and do not wish to receive any additional marketing material from us, you can indicate your preference on our website or by clicking on the link at the bottom of any email received.
You will be notified when your personal information is collected by any third party that is not our agent/service provider, so you can make an informed choice as to whether or not to share your information with that party.
Disclosure: Our lenders may offer you a loan with an APR ranging from 390% to 780% based on a two-week loan.
The APR on a short term loan represents the amount of your loan, cost of the loan and term of the loan. Example: You borrow $100 for two weeks. A lender can charge you a $15 fee, which means you will have to repay $115 to the lender at the end of the term. The cost of the $100 loan is a $15 finance charge, which anounts to an annual percentage rate of 391 percent. Loans on the lower end of the APR range may be for a larger loan amount and for a longer term. Loans on the higher end of the APR range may be for a smaller loan amount and for a shorter term. Depending on your credit needs, and desire to pay your loan off quickly, your lender may only offer you loans with an APR near the high end of the range displayed.
NOTICE: THIS IS AN EXPENSIVE FORM OF CREDIT. A SHORT TERM LOAN SHOULD BE USED FOR SHORT-TERM FINANCIAL NEEDS ONLY, NOT AS A LONG-TERM FINANCIAL SOLUTION. CUSTOMERS WITH CREDIT DIFFICULTIES SHOULD SEEK CREDIT COUNSELING OR MEET WITH A NONPROFIT FINANCIAL COUNSELING SERVICE IN THEIR COMMUNITY.
If you do not pay your loan according to its terms, your lender may: • Charge you late fees • Send your account to a collection agency • Report your information to a consumer reporting agency, which may negatively affect your credit score • Offer to renew, extend or refinance your loan, which may cause you to incur additional fees, charges and interest
We are not a lender. Only your lender can provide you with information about your specific loan terms and APR and the implications for non-payment of your loan. Ask your lender for their current rates and charges and their policies for non-payment.