This Privacy Policy explains our views and
practices concerning privacy, and how they may pertain to you as a user of our
system.
"You" or "Your" means you, a participant in or as a user of the speedypaydayfunds.com
program.
"We" or "Our" or "Us" means speedypaydayfunds.com. "Our
Website" also means speedypaydayfunds.com.
All information transmitted,
printed or otherwise submitted to speedypaydayfunds.com through this Website remains
your property; however, speedypaydayfunds.com will be free to use that information
for any lawful purpose as detailed below.
This Website contains links to
other websites. speedypaydayfunds.com is not responsible for the privacy practices or
the content of such sites.
Section 1
Collected Informationspeedypaydayfunds.com
automatically collects and/or tracks the following information:
- Information knowingly provided by you through online forms, registration
forms, surveys and/or other entries, such as your name, street address, e-mail
address, telephone number (home, work and mobile), date of birth, Social
Security Number, bank account information, information relating to monthly
income, employment information, and other personal, financial or demographic
information;
- Web page http headers (home server domain names, IP address, type of client
computer, type of Web browser and operating system);
- Information – user-specific or aggregate – concerning the pages our visitors
access and referring URLs; and
- The e-mail addresses of visitors who communicate with speedypaydayfunds.com via
e-mail.
Submitting information to us is voluntary. However, if you
would like to receive information on a loan-related product from one of our
affiliated third party loan providers (“Affiliated Loan Providers”), you must
submit the required information, even if you do not actually enter into a formal
application with any Affiliated Loan Provider.
Please note: We may
also collect your personally identifiable information when you submit
information at the Website but do not complete the full registration
process.
Section 2
Use of Data CollectedWe use the
information we collect to enhance your experience at our Website and to help us
to offer content we determine may be of interest to you. We use your contact
information to offer you promotional material from our partners. We may also use
your personal, demographic, and profile data to improve our Website, conduct
statistical analysis, and for marketing, promotional, editorial, or feedback
purposes. Information collected by us may be added to our databases and used for
future e-mails or postal mailings of products and services.
Section 3
Disclosure of Data to Third PartiesBy
using this Website, you agree that you may be contacted in any manner
contemplated in this section even if your number is found on a do-not-call
registry or similar registry. If you choose to provide personal information, it
will be used for and/or shared with trusted third parties such as Affiliated
Loan Providers and/or other financial service providers, credit bureaus, and for
marketing products and services that you might find of interest. We reserve the
right to share, rent, sell or otherwise disclose your information with/to third
parties in accordance with applicable laws. These third party businesses may
include, but are not limited to: providers of direct marketing services and
applications, including lookup and reference, data enhancement, suppression and
validation; e-mail marketers; and telemarketers.
The information we
collect may be added to our databases and used for future telemarketing, SMS
text-messaging, instant messaging, e-mails or postal mailings regarding site
updates, new products and services, upcoming events, and/or status of orders
and/or loans placed online.
We may also employ other companies and
individuals to perform certain functions on our behalf. Examples may include
sending direct mail and e-mail, removing duplicate information from customer
lists, analyzing data, and providing marketing analysis. These agents have
access to our users’ personal information as needed to perform their functions
for speedypaydayfunds.com, but we do not permit them to use our users’ personal
information for other purposes.
By agreeing to this Privacy Policy, you
authorize us to use your information to obtain other information about you (for
example, your Social Security Number) from third-parties when the information
was incompletely or improperly filled out on our registration form.
Third-parties include, but are not limited to, consumer reporting agencies,
consumer credit bureaus and other outside parties, as permitted or required by
applicable laws. Any and all Sensitive Information provided by you on this Site
or on any third-parties Site, will be used to determine your eligibility for a
loan or other products, offers or services, should you qualify. If you choose to
provide information, such as your Social Security Number, we may use that
information to determine your financial status. If you do not provide such
information, we may also use other information that you provided for the purpose
of verifying your eligibility for a loan or for any other programs, offer, or
services. Upon qualification, your ultimate loan-specific financial information
will be stored and utilized by your applicable lender in accordance with the
terms of that lender's Privacy Policy.
speedypaydayfunds.com reserves the
right to release current or past user information under the following
conditions:
- speedypaydayfunds.com believes that the service and/or Website is being or has
been used in violation of the Website’s Terms and Conditions or to commit
unlawful acts,
- If the information is subpoenaed,
- If speedypaydayfunds.com is sold or acquired, or
- When speedypaydayfunds.com deems it necessary or appropriate. By agreeing to
these conditions, you hereby consent to disclosure of any record or
communication to any third party, when speedypaydayfunds.com, in its sole discretion,
determines the disclosure to be appropriate including, without limitation,
sharing your e-mail address with other third-parties for suppression purposes in
compliance with the CAN-SPAM Act of 2003, as amended from time to time, and
Federal Trade Commission enabling regulations.
By submitting your
information at the Website, you agree to receive mobile marketing including, but
not limited to, text-message based marketing from us and our third party
advertisers and marketers. Notwithstanding that your mobile telephone number may
be listed on state and/or federal do-not-call registries, we retain the right to
contact you via text message-based marketing, in accordance with applicable
state and federal law. In addition, by registering and/or using the Website, you
agree that such act constitutes an inquiry and/or application for purposes of
the Amended Telemarketing Sales Rule (16 CFR §310 et seq.), as amended from time
to time (the "Rule"). Even though your telephone number may be listed at the
Federal Trade Commission’s Do-Not-Call List, we retain the right to contact you
via telemarketing, in accordance with the Rule.
Section 4
Information Collection
Processesspeedypaydayfunds.com may employ "cookies" to help
customize your access to the Website. A cookie is a piece of data stored on your
hard drive containing information about you. Cookies have many benefits to
enhance your experience at our Website. For instance, by setting a cookie on our
Website, a user would not need to log in a password more than once, thereby
saving time while on our Website. Even in the case where a user rejects a
cookie, they may still use our Website. The only drawback to this is that the
user will be limited in what he/she can access in some areas on our Website,
much like visitor-level access.
We may occasionally use cookies to
anonymously track and target the interests of our users to further enhance the
experience on our Website. We may also use cookies for advertising tracking
purposes. To find out more about cookies, please visit www.cookiecentral.com.
In addition to cookies, our Website pages and/or e-mails may contain
electronic images known as “pixel tags” (also known as clear gifs) to track the
pages that visitors and/or users visit at the Website for purposes of formatting
future campaigns and upgrading visitor information used in reporting statistics.
Pixel tags from third parties may also be present on our Website to help
determine the effectiveness of a joint promotional or advertising campaign.
Section 5
Use of Cookiesspeedypaydayfunds.com uses
cookies, web beacons or similar technologies to enhance and personalize your
online experience and to enable speedypaydayfunds.com to recognize you as a previous
visitor to the speedypaydayfunds.com Web Services. A cookie is a small amount of
data, which often includes an anonymous unique identifier that is sent to your
browser from a website's computer and stored on your computer's hard drive. Each
website can send its own cookie to your browser if your browser's preferences
allow it, but (to protect your privacy) your browser only permits a web site to
access the cookies it has already sent to you, not the cookies sent to you by
other sites. Many sites do this whenever a user visits their website in order to
track online traffic flows. Cookies record information about your online
preferences. Users have the opportunity to set their computers to accept all
cookies, to notify them when a cookie is issued, or not to receive cookies at
any time. Each browser is different, so check the "Help" menu of your browser to
learn how to change your cookie preferences.
speedypaydayfunds.commay also allow its partners and advertisers that are
presenting advertisements on the speedypaydayfunds.comWeb Services to set their
cookies, or apply web beacons or similar technologies, to your computer. This
information may be used to:
- remember the preferences and registration data that you give us;
- authenticate your Screen Name before you can access your Personal
Information or Web Services Account for added security
- enable you to participate in certain online activities, such as making sure
that each person only votes in an online poll once;
- personalize features of the speedypaydayfunds.comWeb Services, for example by
providing you with customized content or advertisements based on the information
you have submitted to us and your activity when using the speedypaydayfunds.comWeb
Services;
- help measure and research the effectiveness of the speedypaydayfunds.comWeb
Services, including collecting statistics on your response to advertisements,
e-mail and other communications you receive;
- provide security within shopping baskets or transactions.
speedypaydayfunds.com and its associated third parties may also use ad network
providers to help present advertisements on speedypaydayfunds.com Web Services and
other Web sites. These ad network providers may use cookies, or web beacons or
similar technologies on your computer to tailor content, advertisements to your
preferences, help target, measure and track your visits and the effectiveness of
advertisements and promotions, using data gathered over time and across their
networks of Web pages to determine or predict the characteristics and
preferences of their audience and to provide security within shopping baskets or
transactions.
The use of cookies, web beacons, or similar technologies is subject to their
own privacy policies, not this one.
You can adjust the settings on your browser to erase or block such
technologies from your computer if you want to, but if you do so, you will not
be able to use or access the speedypaydayfunds.com Web Services.
Section 6
Electronic Disclosure
You are submitting your information to speedypaydayfunds.com via the Internet and
agree to receive certain notifications, disclosures and/or documents
electronically. This Electronic Disclosure and Consent Agreement applies to the
information you are providing on this Site and any other communications we or
any third parties discussed herein may provide to you. By submitting your
information you agree to receive all such notifications, disclosures and/or
documents in electronic form or online in accordance with this document. You may
withdraw your consent prior to submitting your information by exiting the
website or by closing your browser. However, you will not be able to submit your
information if you withdraw your consent by exiting the website or closing your
browser. In addition, you cannot withdraw your consent after the submission of
your information.
To access, view and retain the notifications, disclosures, and/or documents
available to you in electronic form, you must have the following hardware and
software (the following are recommended hardware and system requirements):
- An Internet browser that supports 128-bit encryption (Microsoft Explorer 6.0
or higher [7.0 or higher recommended], Firefox 1.5 or higher);
- Sufficient electronic storage capacity on your computer’s hard drive or
other data storage unit (64mg of memory);
- An e-mail account with an Internet service provider and e-mail software in
order to receive electronic communications from us (56k modem);
- A personal computer (equipped with 133Mhz processor and minimum 800 x 600
screen resolution – 1024 x 768 screen resolution is recommended), operating
system and telecommunications connections to the Internet capable of receiving,
accessing, displaying and either printing or storing Account Documents received
from us in electronic form via a plain text-formatted e-mail or by access to our
website using one of the browsers specified above.
- Adobe® Acrobat Reader (5.0 or higher).
*It is likely that you are already using all the hardware and software
you need to access the notifications, disclosures and/or documents
electronically as you are accessing this Electronic Disclosure and Consent
Agreement via the Internet.
You consent to receive any notifications, disclosures and/or documents in
electronic format.
All notifications, disclosures and/or documents that we or any third parties
provide to you in electronic format will be provided either (i) via e-mail; (ii)
by access to a secure customer service website which will be provided to you in
an e-mail notice sent to you when the documents are available; (iii) by posting
on this Site; or (iv) by posting on a website designated for that purpose.
All notifications, disclosures and/or documents provided in electronic or
paper format from us or any third parties to you will be considered "in
writing," and you should print a copy for your records by using the "print"
button in your browser.
You are required to provide us with an accurate and complete e-mail address
and other required information requested on this Site.
You may obtain any notifications, disclosures and/or documents in paper form
without charge from us by printing them yourself from our website or the
appropriate third party website when available.
We and any third parties, reserve the right, in our sole discretion, to
discontinue electronic provision of notifications and/or documents. You will be
provided with notice of any such termination or change as required by law.
You agree and intend the federal Electronic Signatures in Global and National
Commerce Act to apply to (i) this Consent to receive notifications, disclosures
and/or documents in electronic form; (ii) the information you provide, and (iii)
our and/or any third parties’ ability to conduct business with you by electronic
means.
To facilitate electronic commerce, to reduce the expense of records storage,
and to obtain the benefits of faster access to records, you acknowledge and
agree that all records may be stored electronically; and that neither we nor any
third parties will retain and have no obligation to retain any original or
electronic documents for any period of time beyond the regulatory requirements.
This applies to all notifications, disclosures and/or documentation. You further
acknowledge and understand that all original and electronic notification,
disclosures and/or documentation will be routinely destroyed, but not before the
period of time designated by regulatory requirements. Records may be stored
electronically via imaging, scanning, filming or other technology used for the
storage of documentation via internal processes or third-party processors that
we or any third parties approve for these services. You agree that such storage
shall be secure, and further agree that such records shall for all purposes be
recognized and admissible in evidence or otherwise to prove the agreements,
rights and obligations of the parties pursuant to any such records.
By completing and submitting your information, you (i) confirm your consent
to receive notifications, disclosures and/or documents in electronic format;
(ii) affirmatively demonstrate your ability to access the notifications,
disclosures and/or documents in electronic form; (iii) confirm that you have
provided a current e-mail address at which electronic notifications can be sent,
disclosures and/or documents to you; iv) acknowledge that you have accessed the
Consent; and (v) agree to the terms of this Consent.
Section 7
Your Opt-Out RightsYou may opt-out of
receiving communications from us and or our third-party partners by not
submitting your information. However, during registration and/or when you submit
personally identifiable information to us at the Website, you have opted-in to
request that we share your personal information (other than your Sensitive
Information) with third parties to receive marketing communications. When
contacted by any of these companies or third parties, you should notify them
directly of your choices regarding their use and sharing of your information. As
noted, we use personal information to provide promotional offers by e-mail to
our Website users. speedypaydayfunds.com may prepare and use separate e-mail lists
for different purposes. If e-mail recipients wish to end their e-mail
subscription from a particular list, they need to follow the instructions at the
end of each e-mail message to unsubscribe from the particular list. To opt-out
from receiving any additional e-mail communications regarding the Website,
please send your request in writing via e-mail to info@speedypaydayfunds.com.
In addition, if you subsequently sign up at one
of our other websites for other product or service offerings, you will need to
again address any information sharing preferences that you had previously
established through this Website.
Section 8
Third Party SitesIn certain circumstances,
speedypaydayfunds.com acts as a limited agent for the actual third party lender or
seller of the products and/or services available at or through the Website. In
these circumstances:
(a) you will be redirected to the applicable third party lender’s or
seller’s website after you have completed entering your information;
(b) we
will collect and send your personal information to the respective third party
lender or seller in connection with completing your application or purchase from
the third party lenders or seller, as applicable; and
(c) your application
or purchase will subject you to the third party lender’s or seller’s privacy
policy, as applicable.
We do not endorse and are not responsible
for the accuracy of the privacy policies and/or terms and conditions of each of
the third party lenders or sellers that may advertise at the Website. The
entities that advertise and/or place banner ads at the Website including, but
not limited to, these third party lenders and sellers, are independent third
parties and are not affiliated with us.
Section 9
Your Rights to Your Personal DataUpon
receiving your request via postal mail or e-mail, we will provide you a summary
of personal information retained by us. We will only send your personal records
to your e-mail address or postal address that we have on file for you. To
modify, correct, change, update or remove your personal record from our
database, click here or send your request via e-mail to: info@speedypaydayfunds.com.
Section 10
Our Commitment to Children's
PrivacyProtecting the privacy of children is especially
important. For this reason, we never collect or maintain personal information at
our website from those whom we know are under the age of 18 years old. In the
event that information is inadvertently collected from children, it will not
knowingly be used for any marketing or promotional purposes whatsoever, either
inside or outside of our website. If we obtain actual knowledge that such
information has been collected, that information will be immediately deleted
from our database. The information and services provided by us or our
affiliates, sponsors, and advertisers are not intended to be viewed by persons
under 18 years old.
Section 11
Our Right to Contact YouWe 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 12
SecurityAll information collected is
stored in a technically and physically secure environment. Unfortunately, no
data transmission over the Internet can be guaranteed to be 100% secure. As a
result, while we strive to protect your personal information, we cannot ensure
or warrant the security of any information that you transmit to us, and you do
so at your own risk. Once we receive your transmission, we make reasonable
efforts to ensure its security on our systems. Access to this information is
strictly limited, and not accessible to the public. All of our users'
information is restricted in our offices. Only employees who need the
information to perform a specific job are granted access to personal
information. Our employees are dedicated to ensuring the security and privacy of
all user information. Employees who do not adhere to our firm policies are
subject to disciplinary action. In compliance with applicable federal and state
laws, we shall notify you and any applicable regulatory agencies in the event
that we learn of an information security breach with respect to your personal
information. You will be notified via e-mail in the event of such a breach.
Please be advised that notice may be delayed in order to address the needs of
law enforcement, determine the scope of network damage, and to engage in
remedial measures.
Section 13
Our Right to ChangeWe reserve the right
to change this policy at any time. If changes are made, we will notify you of
the existence and location of the new or revised privacy policy or by posting
the changes online at our Website. All changes will take effect immediately upon
their posting on our Website. Please check this page periodically for changes.
Your continued use of the speedypaydayfunds.com service, Website or acceptance of our
e-mails following the posting of changes to this Policy will mean that you
accept any and all such changes and that you agree to continue receiving
marketing from us and other third party companies.
Section 14
Our Contact InformationIf you have any
questions about this Privacy Policy, the practices of this Website, or your
dealings with this Website, you can contact us via e-mail sent to: info@speedypaydayfunds.com.
Section 15
Information for ISPsWeb site: speedypaydayfunds.com
Company Name:
Speedypaydayfunds.com
E-mail Address: info@speedypaydayfunds.com
speedypaydayfunds.com
understands consumers' concerns
over the use of their personal information. We hope this information will
relieve any concerns that your company may have regarding our e-mail policies.
speedypaydayfunds.com and its affiliated sites use only an "opt-in or opt
out" method of obtaining customer information, and it is not our policy to send
unsolicited e-mail. We obtain e-mail addresses and personal information from
third parties that follow the same set of policies.
speedypaydayfunds.com
e-mail messages sent include the following information about the origin of the
e-mails and include instructions on how recipients can unsubscribe from
receiving future e-mail messages: