Privacy Policy

Payday Seek (hereinafter "Company," "we," "us," or "our") has established this Privacy Policy ("Privacy Policy") to detail our methods for handling personal information, as defined herein, and to affirm our dedication to fair information practices and privacy protection for users visiting and utilizing the Ameriadvance.com website (the "Website").

We recognize the importance you place on privacy and the right to manage the collection and usage of your personal data. Our protocols for data collection and retention are structured to ensure transparency, accountability, and user choice in the management and application of your personal information.

We also supply contact details if you prefer to have your personal information removed from our databases.

This Website is designed for users located within the United States, and this Privacy Policy is governed by U.S. laws. By registering on the Website, you explicitly accept, without restriction or condition, the collection, use, and transfer of your information as outlined in this Privacy Policy. Please review this document carefully, as it impacts your legal rights and liabilities.

If you do not agree to our practices and our Terms and Conditions of Use, please do not interact in any manner whatsoever with Ameriadvance.com or register any personally identifiable information on this Website. Please contact us if you have any questions or comments about our privacy practices or this Privacy Policy. You can reach us online by clicking here.

THIS WEBSITE IS NOT INTENDED FOR INDIVIDUALS UNDER THE AGE OF EIGHTEEN (18) OR RESIDENTS OUTSIDE THE UNITED STATES. BY USING THE WEBSITE, YOU REPRESENT AND WARRANT THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO THE TERMS OF THIS PRIVACY POLICY AND THE COMPANY’S TERMS OF USE. IF YOU DO NOT UNDERSTAND OR AGREE TO BE BOUND BY THIS PRIVACY POLICY, YOU MUST IMMEDIATELY LEAVE THE WEBSITE.

1. Types of Information We Collect

The Company gathers information about you through your access to and use of this Website and via our matching services. Information collected during registration includes personally identifiable information ("PII"). PII consists of unique data used for identification and communication. Using our services is voluntary; you are not required to provide PII unless you opt to use our services. However, PII is necessary to access or use our services. Collected PII may include your first and last name, date of birth, telephone number, mailing and home address, zip code, email address, social security number, bank account and financial details, employment information, and driver’s license number (collectively, "PII").

We may also gather non-personally identifiable information ("NPII") about you when you visit various pages of this Website. NPII is aggregated data used to analyze trends, administer the Website, track movement, and understand general consumer behavior. This NPII is collected regardless of whether you register for our services. It includes, but is not limited to, your browser type, Internet Protocol ("IP") address, operating system, referral/exit pages, date/time stamps, and your Internet service provider’s domain name. An IP address is a unique identifier a device uses to communicate on the Internet.

We may, at our discretion, share NPII with third parties.

2. How Your Personally Identifiable Information is Used and Shared

We request PII when you interact with the Website. We value your privacy and have implemented necessary precautions to comply with relevant legislation, including, without limitation, the California Online Privacy Protection Act.

Generally, information collected through your access to and use of this Website will be used to assist with your inquiry, fulfill your request, and for solicitation regarding third-party products, services, offers, or promotions. Such information may also be used for other purposes with your consent, to prevent fraud, or as permitted by applicable law. To these ends, you expressly authorize the Company to share such collected information as described herein.

We use the PII collected from you to facilitate your request for access to third-party providers of the products and/or services you are interested in. This may involve sharing your PII with a third-party lender under contract to provide such products and/or services.

The Company may share your PII with third parties that assist in delivering your requested services and with companies or individuals we employ to perform technical functions on our behalf. These entities are prohibited from sharing that information with other third parties or using it for any other purpose. We may also use your PII to resolve disputes, troubleshoot technical issues, enforce agreements with you, and enable the Company and/or third parties to personalize your Internet experience. Additionally, we may share collected information with consumer reporting and related agencies.

We may disclose any or all information if legally required, at our discretion pursuant to a governmental request, or if we believe in good faith that such action is necessary to: (a) comply with legal requirements or process; (b) protect our rights, property, or affiliated companies; (c) prevent crime or protect national security; or (d) protect the personal safety of users or the public.

We may also disclose and transfer any or all information to a third party acquiring any or all of our business, whether by merger, consolidation, or purchase of all or a substantial portion of our assets. Furthermore, if we become subject to insolvency proceedings, voluntary or involuntary, we, our liquidator, administrator, receiver, or administrative receiver may sell, license, or otherwise dispose of such information in a court-approved transaction. You may be notified of such a sale via email or a prominent notice on the Website. In these scenarios, data recipients may be located in any country globally.

First and Third Party Marketing

The Company expressly reserves the right to sell or transfer your PII to independent third parties, including, without limitation, third-party lenders, advertisers in the Company’s network, independent companies or organizations with whom we have a marketing relationship, information resellers, and third-party marketers, some of whom may sell information to advertisers and retailers presenting offers for goods or services (collectively, "Third Party Marketers"). Your information may also be sold among Third Party Marketers. This may involve technology information. Separate lists may be maintained for different purposes. To remove your inclusion from a specific list, follow the unsubscribe instructions at the end of each communication.

The Company and/or Third Party Marketers may target advertising to you via direct mail, email, telemarketing calls (including SMS text messages), and/or targeted online banner advertising. The Company and/or Third-Party Marketers may match your PII to create and improve profiles, track your online browsing habits over time and across different websites, show targeted advertising for products and/or services, and/or determine frequently visited Internet areas.

Although our contractual arrangements may limit how third parties use your PII, we do not control their privacy practices. Be aware that Third Party Marketers may retain or use your PII regardless of whether you use their products and/or services. You should contact these third parties directly regarding their privacy and information sharing practices, which may differ from ours. If you have questions or wish to remove your information from a third party’s database, you must contact that third party directly.

By visiting and/or supplying your PII at this Website, you also agree to allow us to provide aggregated anonymous data about you to third parties to help them understand visitor types and offer products and services. This includes demographic and behavioral information.

For more on how your PII is used by the Company and Third Party Marketers, please refer to Sections 3 and 4 below.

YOU MAY OPT-OUT OF RECEIVING ANY COMMUNICATIONS FROM US BY CHOOSING NOT TO SUBMIT YOUR PERSONAL INFORMATION. IF YOU HAVE ALREADY SUBMITTED YOUR PERSONAL INFORMATION TO US AND WISH TO OPT-OUT AND HAVE IT REMOVED FROM OUR DATABASE, YOU MAY DO SO BY SENDING US A REQUEST HERE. IF YOU REMOVE YOUR INFORMATION FROM OUR DATABASE IT WILL NO LONGER BE USED FOR SECONDARY PURPOSES, DISCLOSED TO THIRD PARTY MARKETERS OR USED BY US TO SEND PROMOTIONAL COMMUNICATIONS. COMPANY IS NOT RESPONSIBLE FOR THIRD PARTY PROMOTIONAL COMMUNICATIONS SENT TO YOU.

Credit Implications

Our participating third-party lenders may verify, without limitation, your social security number and driver's license number, or any other qualifying identification, and review your information against national databases to determine creditworthiness, standing, and/or capacity. Please note that multiple inquiries on the three national databases (Equifax, Transunion, and Experian) may lower your credit score. By submitting your information, you agree to allow third-party providers to verify your information and check your credit as described in their policies and terms.

3. Email and Telemarketing

By registering on this Website and as set forth in the preceding section, you expressly acknowledge that the Company may provide your PII to Third Party Marketers, both of which may target advertising to you using, without limitation, email and telemarketing calls.

If you provide express consent to receive telemarketing calls, the Company and Third Party Marketers may use your PII (including any reasonably derived information) to advertise, directly or indirectly, using the provided telephone number, including your mobile number, to assist with your mortgage loan inquiry, regarding specific products and/or services you have expressed interest in, and/or regarding other products and/or services you may be interested in (notwithstanding that your number may be listed on a corporate, state, or federal Do-Not-Contact registry, suppression list, or similar).

By registering on and using our Website, you agree that such registration and request constitutes a purchase, an inquiry, and/or an application for purposes of the Amended Telemarketing Sales Rule, 16 CFR §310 et seq. (the "ATSR"). Notwithstanding that your telephone number may be listed on the Federal Trade Commission's Do-Not-Call List, you have authorized us to contact you via telemarketing in accordance with the ATSR. Moreover, by registering with, or requesting information from, a Third Party Marketer at or through our Website or other advertisement media made available by us, you agree that such action constitutes a purchase, an inquiry, and/or an application with the respective Third Party Marketer for purposes of the ATSR, and you may be contacted via telemarketing by such Third Party Marketer in accordance with the ATSR.

For any and all telemarketing campaigns, you expressly agree that you are solely responsible for and authorized to incur any such charges, that you are eighteen (18) years of age or older, and that you are authorized to use the mobile device. Your wireless carrier and other service providers may also collect data about your wireless device usage, and their practices are governed by their own policies.

4. Company and Third-Party Cookies, Web Beacons, Pixel Tags, Log Files and Online Behavioral Technologies

The Website and email messages may contain first-party (Company-related) and Third Party Marketer (e.g., advertisers and advertisements) cookies, web beacons, pixel tags, browser analysis tools, and web server logs. These enable the Company and/or Third Party Marketers to track your online behavior, collect information regarding your operating system and browser type, record which webpage or email you viewed, track the IP address of the device used to interact with the online service, record when you open or click on a particular online advertisement link or webpage, and gather other information such as your system’s language and the country and time zone of your device.

A cookie is a small file uniquely assigned to you by a webpage server when you visit a webpage or click on a link, assisting in associating your information with a unique profile. Cookies are stored in web server logs and in web cookies on your computer, which are then transmitted back to us and/or Third Party Marketers. They store information about your account, preferences, Website usage, and online browsing habits. They allow us and/or Third Party Marketers to recognize you upon return, track and target your interests to provide a customized experience, assist with customized browsing, and detect certain kinds of fraud.

Some cookies are temporary, while others may be configured to last longer. "Session" cookies are temporary, used for various reasons such as managing page views. Your browser usually erases session cookies once you exit. "Persistent" cookies are more permanent, stored on your computer even after exiting your browser. You can modify your browser preferences to accept or reject all cookies, or request notification when a cookie is set.

Pixel tags and web beacons are tiny graphic images placed on website pages or in emails that allow the Company and/or Third-Party Marketers to determine whether you have performed specific actions. When you access these pages or open email messages, pixel tags and web beacons generate a notice of that action. These tools permit the measurement of responses to communications and improve related promotions. You may read more about web beacons at www.webopedia.com/TERM/W/Web_beacon.html.

Log files include IP addresses, browser type, Internet service provider, referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer a website, track user movement in the aggregate, and gather broad demographic information for aggregate use.

As set forth herein, the Company and/or Third Party Marketers collect many different types of information from cookies and other technologies, including, without limitation, the website you were visiting before arriving at the Website, the website you visit after leaving the Website, and other activities over time and across third-party websites and online services.

The use of cookies by third parties on the Website and in email messages is subject to the privacy policies of those Third Party Marketers and is not covered by this Privacy Policy.

5. Managing Your Privacy

We believe you benefit from a more personalized experience when we know more about you and your preferences. However, you can limit the information you provide to us, thereby limiting the communications sent to you by us and/or Third Party Marketers.

To prevent first and third-party online tracking from cookies, web beacons, and other technologies on a webpage, or within an email message (e.g., banner advertisements), do not visit the Website, utilize a changing IP address, and do not click on or interact with any advertisements or links.

Visit www.cookiecentral.com and http://www.aboutads.info to read more about cookies, including how you can modify your browser preferences to accept or reject all cookies, or request a notification when a cookie is sent (for example, from within Internet Explorer, Firefox, Safari, Google Chrome). As each browser differs, please check the help section of your browser for instructions on how to remove cookies and learn about other available privacy and security settings.

DO NOT TRACK DISCLOSURE: Because an industry-standard Do-Not-Track protocol has not yet been established, the Company’s information collection practices will continue as described in this Privacy Policy regardless of any “Do Not Track” signals sent by certain browsers or selected by you. However, you may opt-out of being targeted by certain Third Party Marketers online at www.networkadvertising.org/consumer/opt_out.asp. If you wish to opt-out of receiving communications from the Company and/or Third Party Marketers, you can follow the opt-out instructions in the respective communications sent to you.

To prevent first and third-party online tracking from cookies, web beacons, and other technologies within an email message, unsubscribe from the email list using the provided unsubscribe link.

6. Security of Your Personally Identifiable Information

To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information gathered online, the Company stores your PII in a database on secure systems. We have implemented appropriate physical, electronic, and managerial security procedures to protect against the loss, misuse, and alteration of information under our control.

Access to this information is strictly limited and not accessible to the public. All visitors’ PII is restricted within our offices. Only employees who need the information to perform a specific job are granted access to PII. Our employees are dedicated to ensuring the security and privacy of all user information, to the extent reasonably possible. Employees who do not adhere to our firm policies are subject to disciplinary action.

Notwithstanding such measures, the Company cannot guarantee that its security measures will prevent Company computers from being illegally accessed, and the data on them stolen or altered, and the Company assumes no responsibility for such actions. You may request that your information be modified or deleted as detailed below.

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 regarding your PII. Third Party Marketers are contractually obligated to also protect your PII.

7. No Information Collected From Children

The Company encourages parents and guardians to spend time online with their children and to participate in and monitor their interactive activities. We will never knowingly collect any PII about children under the age of eighteen (18). If we obtain actual knowledge that we have collected PII about a child under the age of eighteen (18), that information will be immediately deleted from our database.

Because we do not collect such information, we have no such information to use or to disclose to third parties. The Company has designed this Privacy Policy to comply with the Children’s Privacy Protection Act ("COPPA").

8. Consent to Electronic Disclosures

By submitting your information via the Website, you agree to receive certain notifications, disclosures, and/or documents electronically. Your consent applies to the information you provide on the Website and any other communications the Company or any Third Party Marketers may provide to you. By submitting your information, you agree to receive all such notifications, disclosures, and/or documents from the Company or any Third Party Marketers in electronic form or online in accordance with this Privacy Policy. 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. Following the submission of your information, you may be able to withdraw your consent to future electronic disclosures from Third Party Marketers by contacting them directly. However, due to rules regarding the timing of delivery of disclosures that may need to be made to you, you acknowledge that an opt-out notice may not be received and acted upon by such Third Party Marketers prior to such disclosures being delivered to you electronically. As set forth elsewhere herein, the Company does not process opt-out communications for Third-Party Marketers, and each Third Party Marketer establishes its own rules regarding opting out of future electronic communications and disclosures. All notifications, disclosures, and/or documents provided in electronic or paper format from the Company or any Third Party Marketer to you will be considered "in writing," and you should print a copy for your records. You may obtain any notifications, disclosures, and/or documents in paper form without charge from the Company by printing them yourself from the Website or the appropriate Third Party Marketer when available. To access, view, and retain the notifications, disclosures, and/or documents available to you in electronic form, you must have Internet access, sufficient electronic storage capacity, an email account with an Internet service provider email software. You agree and intend the federal Electronic Signatures in Global and National Commerce Act to apply to (i) your consent to receive notifications, disclosures, and/or documents in electronic form; (ii) the information you provide; and (iii) the Company’s and/or any Third Party Marketers’ ability to conduct business with you by electronic means. By completing and submitting your information, you agree to provide the Company with an accurate and complete email address and other required information requested on the Website so that electronic notifications, documents, and/or disclosures can be sent to you. By completing and submitting your information on the Website, you also acknowledge that you have read and reviewed the terms contained in this Electronic Disclosure section, and agree to the terms herein. The Company and any Third Party Marketer 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. 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 the Company nor any Third Party Marketers 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 notifications, 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 the Company or any Third Party Marketers may approve for these services. You 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. The Company will retain your information for as long as needed to provide you services.

9. Links to Other Websites and Third Party Privacy Practices

The Company may provide links to other websites for your convenience and information, and encourages third parties to adopt and post privacy policies that govern the use of your PII. Such third-party use is not subject to our control, and we are not responsible for the content of linked websites or any use of such websites. Whether linked or not, you expressly acknowledge that other websites and/or websites of Third Party Marketers have their own privacy statements and personal information collection, use, and disclosure practices. We encourage you to familiarize yourself with the privacy statements provided by any/all third-party websites prior to providing them with information or taking advantage of an offer or promotion.

10. Special Notification for California Residents

As a business subject to California Civil Code section 1798.83, the Company must disclose, upon request, the identity of third parties to whom the Company has disclosed your PII within the previous calendar year, along with the categories of personal information disclosed, for the third parties' direct marketing purposes. If you are a California resident and would like to make such a request, you may communicate your desire by contacting the Company directly. We reserve the right not to respond to requests submitted other than to the contact information specified herein.

11. Changes to This Privacy Policy

The Company reserves the right to change or remove portions of our Privacy Policy at any time without prior notification. If the Company changes this Privacy Policy, updates will be posted herein, and the Company will revise the “Last Updated” date at the bottom of this Privacy Policy. Information will be used in accordance with the privacy policy under which the information was collected. Users will have a choice as to whether or not we use their information in this different manner.

Please check the Website frequently to apprise yourself of any changes that may affect you. The posting of any changes will be the only notice that you will receive regarding any such amendments or changes. Your use of the Website following these changes means that you accepted the revised Privacy Policy.

12. Privacy Inquiries or Complaints

The Company strives to keep all PII accurate and complete. You are always fully in control of the information that we maintain to service you. You can change your PII at any time and as often as necessary. You can also request that PII be deleted. Information may be withheld or exempted from deletion if this is required by law or is part of a fraud investigation, or as otherwise described above.

If you have any inquiries regarding our privacy practices, believe that we have not complied with this Privacy Policy, or would like to access and modify your PII, please contact us directly.

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