paydayloanneeds takes your privacy very seriously. This privacy policy described herein explains our views and practices concerning privacy and how it applies to each user of the paydayloanneeds payday loan program.
"You" or "Your" means you as a participant in or as a user of the paydayloanneeds program. "We" or "Our" or "Us" means paydayloanneeds. "Our site" means paydayloanneeds. All information transmitted, printed or otherwise submitted to paydayloanneeds via this website shall be deemed to be the property of paydayloanneeds and paydayloanneeds shall be free to use such information for any lawful purpose as detailed herein. This site contains links to other sites and we are not responsible for the privacy practices or the content of such sites. We reserve the right to release such information to law enforcement or other government officials as we, in our sole and absolute discretion, deem necessary to comply with the law.
Section 1 Collecting Information:
We automatically collect and/or track the following:
1. web page http headers (home server domain names, IP address, type of client computer, and type of Web browser);
2. information knowingly provided by you through on-line forms, registration forms, surveys, and/or other entries, such as email addresses, personal, financial or demographic information;
3. information, user specific or aggregate, on what pages our visitors access and
4. the e-mail addresses of visitors that communicate with paydayloanneeds via e-mail.
5. Information from outside sources. Information from outside sources regarding their employment, credit and other relationships with our customers or verifying representations made by a customer. Examples include customer employment history, loan balances, balances and bank account information and balances.
6. Other general information. Information from outside sources, such as data from public records, that is not assembled or used for the purpose of determining your eligibility for a product or service.
Section 2 Use of Collected Data
We use your personal, demographic and profile data to enhance your experience at our site and to enable us to present content we think you might be interested in. We use your contact information to send you information about our company and promotional material from our partners. We may also use your personal, demographic and profile data to improve our site, for statistical analysis, for marketing and promotional purposes, and for editorial or feedback purposes for our advertisers. Information collected by us may be added to our databases and used for future e-mails or postal mailings regarding site updates, new products and services, upcoming events, and/or status of orders placed online.
Section 3 Managing Information
* We manage how and when information is shared
* Within paydayloanneeds
* With companies that work for us
* With companies that we represent
* In other situations
Managing information within paydayloanneeds
paydayloanneeds represents or is affiliated with a number of companies, including financial service providers such as other sub-prime lending organizations; and non-financial companies such as consumer product retailers.
paydayloanneeds may share all six categories of customer information among our companies. For example, if a customer has an account with one of our companies that we represent and would like to open an account with another of our represented companies, we may share information about the customer that they have previously provided to us. Sharing this information can save the customer time opening their new account because they might not need to furnish the same information twice. Sharing information also enhances our ability to protect customer?s accounts against unauthorized activity, and helps us investigate any fraudulent activity on an account.
Managing information with companies that affiliate with us
We may share any of the six categories of customer information outlined in this policy with companies that affiliate with us. All companies that act on our behalf are contractually obligated to keep the information we provide to them confidential, and to use the customer information we share only to provide the services we ask them to perform for our customers and us. These companies may include financial service providers such as payment processing companies, other sub-prime lending organizations, and non-financial companies such as data processing companies. These companies might assist us, for example, in processing customer transactions and fulfilling your service requests. In addition, we may share any of the six categories of customer information with companies that work for us in order to provide marketing support and other services. Some of our own companies may provide any of these services for us as well.
Section 4 Disclosure of Data to Third Parties
Disclosing information in other situations
We may also disclose any of the six categories of customer information to credit bureaus and similar organizations, and when required or permitted by law. For example, customer information may be disclosed in connection with a subpoena or similar legal process, a fraud investigation, to companies that process your requests for products or services, or the sale of a customer's account to another financial institution.
Disclosing information for marketing purposes
If you choose to provide personal information, it will also be used for marketing purposes. Specifically, your information will assist with marketing products and services which we determine, in our sole judgment that you might find of interest. We reserve the right to share, rent, sell, or otherwise disclose data we collect to third parties. Any third party we share, rent, sell, or otherwise disclose data to will be carefully prescreened by us, determined by us to be reputable, and will use the personal data for marketing products and services which we determine, in our sole judgment, that you might find of interest.
Section 5 Making the Security of Information a Priority
Keeping financial information secure is one of our most important responsibilities. We maintain physical, electronic and procedural safeguards to protect customer information. Our employees are bound by a confidentiality and non-disclosure agreement that requires confidential treatment of customer information and are subject to disciplinary action if they fail to follow this code.
Section 6 Your Opt-Out Rights
You may opt-out of receiving communications from us and or our partners by not submitting your information. We also allow you to remove your information from our database. If you remove your 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. You can remove your information by sending your request in writing via email to customerservice at paydayloanneeds.com.
Section 7 Data Collection From Children
We do not intend to collect information from children. The information and services provided to us or our affiliates, sponsors, and advertisers are not intended to be viewed by children (under 18 years old). No information collected from children is knowingly used for any marketing or promotional purposes whatsoever, either inside or outside paydayloanneeds.
Section 8 Our Right To Contact You
We reserve the right to contact you regarding your account status and changes to subscriber agreements, privacy policy, or any other policies or agreements relevant to you.
Section 9 Our Right To Change Policy Information
We reserve the right to change this policy at any time by notifying you of the existence and location of the new or revised privacy policy or by posting the changes online at our site.
