Effective date: 3/3/2020
If you have shared your information with us and want us to erase any of your personal details from our records (that is, records that are associated with PaydaySeek and are under our control), please contact us directly using the contact details provided on PaydaySeek.com.
A. Personally and Non-Personally Identifiable Information
We collect PII essential to provide the services you request by using the Website. If for any reason you decide to cease using the Website, do not submit your PII. We use your SSN and banking information to search for and match you with third party lenders in our network (“Lenders”); this information will never be shared with any Lenders, marketers, or any other third parties unless we are required to by law or by special order from authorized parties such as law enforcement or legal governing bodies.
We also collect any non-personally identifiable information (“NPII”) that your use of the Website makes available to us. NPII may include Internet Protocol (“IP”) data, browser details, date and time of access, internet service provider (“ISP”) details, referring and exit pages, user operating system, etc. We may share your NPII with third parties we contract with unless you (i) find means to hide your NPII, such as use of a proxy server; (ii) directly submit to us your request that we stop using your NPII.
a. Use of Your PII
We may share some of your less-sensitive PII (excluding SSN, banking information, and other privileged data such as state-issued ID numbers) with third party technical support providers; our contracts with these providers specifies that your information is to be kept secure and that the third party technical support provider is liable for any security breach or sharing of your PII. Third party technical support providers are in no way, at any time, authorized to share or otherwise distribute your PII.
Law enforcement and governing entities may have the authority to demand disclosure of part or all of your PII. We will only comply if the law requires that we do so, or if it is lawful and necessary to (1) prevent crime; (2) protect national security; (3) protect personal or public safety; (4) protect our affiliates; (5) protect us and our assets.
In the event that PaydaySeek is acquired by, consolidated, or merged with another corporate entity, your PII may transfer ownership as well. It is possible that you will be notified about such an event via contact information you have voluntarily shared with us and/or a notification published on the Website. It is also possible that a company outside the USA acquires PaydaySeek, leaving the Website beholden to a new set of state or local laws. In the event that your PII transfers ownership, it may be lawful for authorized representatives of the acquiring company to dispose of, sell, or otherwise transfer your PII.
b. Third Party Marketing
We may share some of your less-sensitive PII (excluding SSN, banking information, and other privileged data such as state-issued ID numbers) with some Marketers, advertisers, and lenders. These recipients of this less-sensitive PII may use it to contact you with marketing material about products and services in which you expressed interest while submitting your information to us. These recipients may also share this set of your PII with other third party marketers (“Marketers”) who may also contact you with marketing material about products and services in which you expressed interest while submitting your information to us.
You must contact Marketers directly to request that they stop using your PII and erase the information from their servers. Some third parties will have an unsubscribe button or link easily accessible, an online form to fill out, an email address to contact, or another method of direct communication to request exclusion from their marketing activities. Such activities may include emails, direct mailing, telemarketing, text messages, and other methods of direct communication.
To discontinue use of PaydaySeek’s website and the receipt of further information from us, you must close this and all other Website pages, and do not share any of your PII with us. If you have already submitted your PII, you can contact us directly at [email protected] to discontinue use of our services and request deletion of your PII from our databases and servers. We will process your request as soon as possible and ensure that it is not transferred to any third party to be used for any purpose.
Any PII that has already been shared with third parties is beyond our control. Therefore, we cannot take responsibility for any communications involving third parties. You must contact these third parties directly to request removal of your information from their servers, lists, and databases.
c. Credit Implication of PII Usage
Lenders use your PII to verify your identity and cross-reference it with national databases. Lenders may also require credit verification prior to loan approval in order to determine the risks involved in providing you with credit; this requires Lenders to use your PII to request verification or a credit report from one or more credit bureaus or other official credit organizations. Such requests may lower your credit score.
Your continued use of PaydaySeek’s website and services indicates your understanding of these terms and consent to have your credit score verified by Lenders in accordance with all legal documentation and legal agreements.
d. Email Marketing and Telemarketing
Lenders and Marketers may use your PII to contact you directly or indirectly using methods that may include telephone calls, telemarketing calls, product and service offers via telephone using the phone number provided by you in the Website’s online form, regardless of its inclusion on any Do-Not-Call or Do-Not-Contact registration of any kind. This is applicable in accordance with the Amended Telemarketing Sales Rule, 16 CFR §310 et seq. (“ATSR”) as regulated by the Federal Trade Commission (“FTC”), which states that we may contact you upon your consent of the use of telemarketing; your request to use services on the Website qualifies as an attempt to purchase according to the ATSR. This means that you authorize the Website, Lenders, and Marketers to use your PII for the purposes of telemarketing.
Additionally, you confirm that you understand the liabilities and potential charges associated with your inclusion in any telemarketing campaign.
Your service provider may also collect your PII according to terms regulated by the law and any legal agreement you may have with your service provider. Any such activity is beyond our control and cannot be regulated by the Website.
e. The Means to Collect Non-Personally Identifiable Information
PaydaySeek, Marketers, and Lenders may collect your NPII including your geographical location, IP address, ISP, operating system browsing history, online behavior, and language preferences. Methods to collect this data may include the application of cookies, web beacons, server and browser logs, and analytic tools. We collect and store this data in order to customize our services to suit your needs.
Cookies are tiny files that a website operator or host assigns to that website’s user as a way to identify said user. This allows the website to track the user’s activities on said website, such as referral and exit links, return visits, and other browsing details. This helps detect and prevent malevolent online activity, such as fraud and security breaches. Cookies may also log user preferences and adjust website content to better suit the user’s desired experience.
Cookies can be permanent or temporary. Temporary or session cookies will self-erase after a user exits the website or browser. Permanent cookies remain indefinitely after the user has exited the website or browser. Your web browser’s settings should include options to manage and delete cookies.
Find additional resources about cookies and how to manage them at http://www.cookiecentral.com and https://youradchoices.com.
Pixel Tags and Web Beacons
Pixel tags and web beacons are just two of the many different names for the same tracking technique. These tags function much as cookies do; small image files are placed in the code of web pages and emails to monitor and record user activity. Data collected by these means tell taggers how to adjust and improve marketing geared toward user’s needs based on their online behavior. Information collected may include date and time stamps, referring and exit pages, platform usage, ISP, browser type, and preferences. Learn more about these beacons at https://www.webopedia.com/definitions/web-beacon/.
B. Privacy Management
We have established protocols for how we collect, store, use, and share your information. This includes providing means for you to manage information you’ve shared with us.
If you do not want us to collect, store, use, or share your NPII, close the Website browser window. If you believe we may have collected and stored some of your NPII, please contact us directly. To erase any tracking files such as cookies, tags, or beacons, access your browser settings to delete these files manually.
Other ways to opt of tracking include logging onto https://optout.networkadvertising.org/?c=1 and adjust your preferences to exclude certain or all third parties from storing, sharing, or otherwise using your information.
You may also find links in Marketers’ individual emails that allow you to unsubscribe from their mailing list(s).
C. PII Security
In accordance with our privacy management protocols, we practice strict security and protection of your PII and your activity on the Website from any kind of unauthorized use. We use electronic and physical security to prevent loss, exploitation, fabrication, fraud, and other misuse of your information.
Any illegal activity, such as stolen or modified information, or security breach that is beyond our control cannot be our legal responsibility. It is not possible to guarantee that no one will ever find means to circumvent our security and illegally access your information. The only way to guarantee your information is protected from any type of security breach is to contact us directly and request that your information be expunged from our lists and databases. Our contracts with Marketers stipulate that they are responsible for protecting your information to an extent that is reasonably possible. Additionally, we verify Marketers’ security policies to ensure they include legal and reasonable protocols designed to eliminate the possibility of a security breach.
D. Information Provided by Children
Users must be 18 years old in order to legally access and use the Website or its services. When we receive information that indicates a user may be under 18 years old, we immediately delete this information from our lists and servers. We do not voluntarily collect, store, use, or share any information from users under the age of 18. All of our protocols related to underage access and usage are in compliance with the Children’s Privacy Protection Act (“COPPA”).
When you submit your information through the Website, you give your consent to directly receive information in electronic form from the Website, Marketers, and Lenders. Once you provide your consent, all electronic communication and documentation is considered legal the same as if it were “in writing.”
PaydaySeek, Marketers, or Lenders may, at any time, discontinue electronic communication and documentation. Should this occur, you may receive prior notification directly or a notice may appear on the Website.
It is unnecessary to produce hard copies of electronic documents or records for any reason. These files are legitimate, legal evidence of agreements and obligations between parties, admissible in a court of law. Additionally, these files are to be managed in accordance with regulatory requirements and protocols as related to routine and scheduled destruction of information and documentation. These requirements may differ according to variance in local and laws.
F. Links to Third Party Websites
PaydaySeek provides a service connecting users to Lenders and financial products and services. This includes providing exit links to third party websites, such as the websites of Lenders and Marketers.
G. Regulations in Different States
We follow all laws, codes, and regulations at every governmental level including state governments. States regulate the use of user information differently; some require us to disclose exactly how and when we collect your information, how we store it, how we share it, and who we share it with. Accordingly, we provide you with contact information on the Website so you may directly request from us any and all details your state legally requires us to provide you. We have the right to deny information requests in the event that it is lawful to do so, such as when a user does not legally reside in a state without such regulations.
H. Modifications and Changes
I. Questions, Inquiries, and Complaints
Any user who wishes to modify or have their PII withdrawn from PaydaySeek’s website, lists, and servers should contact the Website directly at [email protected] or using other contact details listed on the Website provided for the purposes of inquiry. To file complaints in regard to our operations, services, or protocols, please email [email protected] with the details pertinent to the complaint. We process all inquiries and complaints as soon as possible.