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In case, when the new-coming applicant or ordinary user rejects to confirm and accept even one of the provisions of the regulating documents, he has not continue to register and has to refuse to using the services and products of the website from that moment. If the user has any hesitation about further exploitation of the online service, he can contact us via email for detailed information or any help with understanding. We are always willingly open for discussion and explanation.
I. Personally and Non-Personally Identifiable Information
Non-Personally Identifiable Information (NPII) is user’s behavioral data, including Internet Protocol information, browser details, operating system and Internet provider details, geo-location, and so on. We can receive this information during your staying on the website, even if you do not use the services of the website at that moment. The website’s company collects and transfers to the third parties these non-personal details of users without getting any permission from them. If a user wants to reject these actions and hide his NPII data, he should contact the support service of the website directly.
i. The Use of Your PII
Official access to the personal data of our applicants is performed for governmental agencies or authorized organizations. The PII can be disclosed at their request without the personal permission of each applicant if the procedure is carried out by legal means and occurs for the following reasons:
- when a legal procedure requires the access;
- when the access is mandatory for the protection of the company propety;
- when it is not contrary to state laws and necessary for some company actions.
- when national security of the users are at risk due to the commited crime;
- when it is obligatory for providing the public safety.
There is another possible way that can disclose the personal identifiable information of the users of this website. If the company needs or decides to sell, merge or consolidate ownership of the company, PII data of its users with other assets will also be transferred to new partners or new owner. In case, if the company is needed to be liquidated for any reason, the authorized representative of the organization will be responsible for sale, transferring or disposal of the PII of the users according to court’s clause. In any case, the site will publish news about the upcoming changes and notify all users whose personal data may be transferred to third parties in connection with forced changes.
ii. Third Party Marketing
As we mentioned before, the PII of any user, except financial and banking details, can be transferred to the third-party organizations for promoting and marketing purposes only with the consent of the user. In this case, marketers and advertisers can use personal information to represent the user in the creditors’ market in the best light. Also, marketing workers can show you other lending products and opportunities that you may not find by yourself. In order to make your personal data available to marketers, you need to express your interest by selecting a certain option during the registration process, you need to confirm consent to share your personal data with third parties. In case you want to cancel this option of marketing services, you need to follow an unsubscribe instruction that you can find in the respective message. During the unsubscribing process, you cannot only close access to PII data but also erase this data from the marketers’ database. There are several marketing activities that can involve users, such as direct mails, messages, notifications about marketing offers, marketing calls, telemarketing, and banner advertisement among others. Advertisers can also send you a direct request to join an advertising activity or redirect you to the search process. This marketing option can be very useful, as it can expand the range of offers of different lenders in accordance with the personal requirements of each applicant.
If the user registers and begins to use the web platform to negotiate with the relevant lender or for other purposes, he must accept all the terms and conditions of the official documents of the website organization. The use of the site services requires the user's consent to the processing of personal data of each new registered person, including the collection, storage, processing, using and sharing data with third parties in accordance with the provisions of the formal documents of the organization and acceptable state laws.
If you wish to prevent further communication with our company and stop receiving any information and notifications from us, you must close the site and all relevant web pages and no longer return here. If you are already a registered user, you must send us a respective request to remove your PII from our database. Use the e-mail email@example.com or other contact information that you can find on the website. Do not forget to send the same request about the deletion of your personal data to third parties, including lenders and marketers, if you have already dealt with them before. We will erase your personal data as soon as we receive your request, after that we are not allowed to share any of your information with third parties because we no longer have this information. Keep in mind, that we are not liable for the actions of third parties in relation to the use of your personal data; you need to contact them directly in any situation.
iii. Credit Implication of the Use of PII
Every applicant who applies for short-term loans must provide personal information to our web platform. We need to check your credit history, status and general creditworthiness of the applicant. Creditors make decisions based on verified information of applicants. When credit institutions are not sure about your credibility, they send a request for verification to the credit bureaus for determining the certain financial status of the applicant. Such credit agencies are able to identify and assess the solvency of the candidate. After that, lenders decide whether to provide the applicant with credit products using the conclusions and advices of credit agencies. This credit check can reduce the credit score of the applicant. During registering on the site, the applicants must express their full agreement with all the terms and conditions of the official documents of the site regarding the use of their PII to obtain a credit report on their financial state.
iv. Email and Telemarketing
v. The Means to Collect Non-Personally Identifiable Information
According to the meaning of the NPII, you can easily understand what exactly will be collected. Your non-personally identifiable data is gathered automatically without asking for your consent. There are some digital tools that help to collect the NPII of each user; tools include well-known cookies, pixel tags, server logs, browser instruments among others. All these web tools are designed to gather information with your activities , and they determine your IP adress, location, web-page history, Internet behavior, your browser and operating system selection, etc. These data are compiled and sent to the storage for further processing.
There are two types of cookie files, such as session and permanent cookies. The first type is exploited once; they are set for only one operation and then removed after use. Permanent ones serve much longer, since they can be used for a while; they remain after the user logs out of the browser. Everyone can change the cookie settings in their browser options. Learn more about cookie-files by following the link: http://www.cookiecentral.com/ and http://www.aboutads.info.
Pixel tags and web beacons
Other web-based tools for analyzing user behaviour are small images located throughout the Internet pages that track user activity. The tools are designed to regulate and modify marketing campaigns. Find out more about this by clicking on the link: www.webopedia.com/TERM/W/Web_beacon.html.
Information about the IP address of the user, from of browser, type of operating system, the service provider, the history of clicks, the webpage history, referring requests, etc. are gathered by the log files and aimed at updating the user Internet experience and adjusting online activities.
II. Privacy Management
As we own your personal information, we set some rules that explain how to use and protect user data from the third-parties. The company exploits some management practices to reduce the exchange of user information with others and allow removing all personal and non-personal details from the database at the request of the user.
Trace files and web cookies are usually installed regardless of user preferences. There are some opportunities to hide non-personal information by changing the browser settings. User can manage his/her cookie options manually by selecting a more appropriate tracing set. If you want to stop our website to gather your NPII data, you need to close the webpage.
Users can also opt out of monitoring their online activities by marketing partners. Users need to unsubscribe from marketers’ emails and advertisements by sending them a direct request.
III. PII Security
The owning company completely protects all PII data of the users. Our security measures include digital, control and other defending methods developed by professionals specializing in the Internet and software security. Our privacy practices and campaigns are based on the protecting regulations. We strive to keep our users’ private information out of any questionable, fraudulent, malicious, or compromising activity. Also, our organization is able to reliably defend PII information from any kind of leakage in the Internet.
However, all users should be aware of the possibility that their privacy may be compromised, modified, stolen or violated by hackers. In any case, there is no organization that can unreservedly promise absolute security. Our guarantee of the protection of users’ privacy based on our actions in relation to monitoring and controlling any external action of third-party practices, but something shady may be out of our sight. There are so many illegal activities all over the Internet that no one can be sure that his/her data will be securely protected even having special programs and security settings. If you wish to keep your personal data 100% secure, you must immediately delete it from any third-party web pages by direct request. The company does its best to establish contacts only with verified members who have high-tech security programs and work in relation to legal documentation on the provision of security policies. We try to reduce any risks and negative consequences of using personal information of our users on the Internet.
IV. Information Collection from Children
Minor users (under 18 years of age) are not allowed to use the services of the website; they cannot access the matching service by registration. Site settings include certain age filters that stop the registration of a person under the age of majority. If a child has managed to fill out a form with his/her personal information, this data will be detected and deleted from our website as soon as possible. Our company has the right to gather process and share personal data of users over the age of 18, as we operate in accordance with the terms and conditions of the Children’s Privacy Protection Act (COPPA).
All adult users can become borrowers by registering on the site. You must use an electronic signature to complete the registration form, as you must formally agree to all the Terms and Conditions of Use of this website. Electronic consent allows us to collect your personal data, transfer it to third parties, send you documents and match you with the relevant creditors. All of these actions are performed due to Federal Electronic Signatures in Global and national Commerce Act, and the operation is based on regulations of state applicable laws. The site is an electronic business that uses only electronic and digital tools for any kind of communication and interaction with other organizations. If you choose to join us by registering here, you must accept these terms and provide us with your e-consent.
In addition, there is possible situation where our company, third-party organizations and third-party marketing agencies decide to stop any electronic communication. In this case, the parties shall send to the users a notice of ceasing further cooperation by email. From this point on, the organization shall terminate the agreement and delete all personal information of users and all their electronic tools, including electronic signature, electronic consent, electronic documents and records. All previous electronic connections will be closed and the information will no longer be distributed. These procedures are subject to strict implementation in accordance with state and authorized documents and regulations, in the event of the described situation.
VI. Links to Third Party Websites
VII. Notifications for the Residents of Different States
Our company does business with residents of all states of America. Our users from any state can join us as we are on the Internet. However, users are forced to exploit the web platform limited by local laws, conditions and regulations that differ from state to state. Under U.S. law, there are Federal and state laws that may have different provisions regarding commercial and business activities and contracts. For example, in some states, personal information collected from users is subject to a full report on the stages of collection, storage and distribution and the dates of those stages. In addition, other states may require more detailed information in relation to the obligations of state. If you are unsure of your terms of state policy, you can contact us directly. We will provide you with complete information based on your local laws.
VIII. Modifications and Changes
IX. Inquiries and Complaints
Users of our website reserve the right to change and update their personal information at any time. Registered users are able to make any changes to their personal data collected by the website. The user must send a direct request to the site support service by e-mail firstname.lastname@example.org! There are other ways to contact us; you can find them on the website. The inquiry has to contain certain information about the changes and modifications that you want to make. Repeat the same steps if you want to complain about the failure of the site or any related information. However, we do not accept complaints of non-understanding or improper actions on the part of third parties. We are not allowed interfering with your internal interaction with third-party organizations.
Short-term loans are supposed to have special purposes, they are designed for people to take it and use it for a short time. This type of loan is an emergency credit product, as the loan debtor receives cash in not big amounts. It is highly important to understand the main meaning of short-term loans, which are not intended to be used for a long time to solve the problem of constant lack of funding. In case, if the loanee wants to prolong the short-term credit, this type of credit product can become a very expensive product.
paydayloan.network - this is web service that is launched to bring together lenders and loan debtors. This online platform allows users to find suitable and relevant lenders. It is important to understand that this service cannot make any decisions regarding to taking or giving loans. You don’t need to pay for the services of the website, it is absolutely free option. Also, you can come on this platform with no purpose to contact lenders or take credit product, you can only view and see what we offer without paying for it. All information concerning to short-term credit products is available for visitors and users free of charges. On the website paydayloan.network many lenders are represented, but it does not mean that this service is responsible for the business of these lenders and transactions between lenders and loanees. This web platform does not approve each particular lender and the actions of third parties. paydayloan.network is not aimed at the collection, storage, sale and transfer of personal information, especially when it concerns the repayments of loans and other credit products.
Most states prohibit such loans when they are provided for a short period of time. On the Internet, there are many offers of lenders who are willing to provide loans of up to $ 1,000. The paydayloan.network website does not give promises and guarantees that it provides each new customer with a reliable creditor, and users may receive short-term loans from third parties. Lenders may decide to check through some credit agencies to determine the credit status and creditworthiness of borrowers. They may also request official personal data for verification, such as a social security number, driver's license number, national identity card number and other documents. The terms of credit products and the amount of credit products vary from one lender to another. It also depends on many factors, including the applicant’s credit history, place of residence and credit status, etc. It should be noted that each lender sets his own limits, restrictions and certain conditions on his own and for each applicant individually.
The loan rate is called Annual Percentage Rate that is calculated once a year. The paydayloan.network platform cannot provide information on the rates and terms of lending offered by lenders. We cannot provide you with an APR for loan products, since we are not lenders; they do not disclose these details of their business to us. The annual rate varies from one lender to another lender and depends on several factors, such as place of residence and consumer credit status. There are some additional fees that lenders may charge additionally, including fees for initiation, late payment, fines. They can also apply for fees for non-payment and charges for non-financial actions, including an overdue payment, tax and debt collection report. Lenders do not transmit information about any financial or non-financial actions to paydayloan.network, so there is no information on this website about the claims and requirements of creditors to applicants. The loan agreement must disclose all details of payment and non-payment fees and commissions in a transparent manner. APR is one of the non-financial charges for a short-term loan product, which should be calculated as a one-time annual payment.
Fees and other financial charges for late payment are to specified in the loan agreement. Resumption and other actions regarding to non-payment may be taken in case of consent. All information about the renewals is drawn up in the loan agreement and is determined on a case-by-case basis. There are also some additional penalties and fees that you will probably have to pay in case of resumption.
There are plenty of procedures and methods of debt collection that can be done. Fair Debt Collection Practices Act regulates and establishes the procedure of implementation of debt collection actions. Federal laws adjust limitations and rules to defend applicants and to prevent unfair lenders’ actions against the consumers. Most creditors prefer not to use the outsourcing services regarding to debt collection, they solve debt disputes by their own.
Any financial delinquency concerning to late payment or non-payment can be transferred to credit bureaus, such as Equifax, Transunion, Experian, and others. Negative consequences may arise as a result of breach of the loan agreement. The credit status of the loanee will also be downgraded after the delay in payment. Lenders are not used to trust their funds to applicants with a low-reliable rating.