Privacy Policy

This Privacy Policy replaces any privacy policy previously delivered to you or appearing on the OnlinePaydayLoans.com website (“Site”), any transaction agreement, or any other document previously delivered to you. If there are conflicts between this Privacy Policy and any other policy delivered to you by OnlinePaydayLoans.com, the terms of this Privacy Policy shall control until revised. This Privacy Policy is effective as of December 1, 2015.

At OnlinePaydayLoans.com your privacy is a priority for us and we are committed to protecting your privacy online. This Privacy Policy (“Policy”) provides details on how we handle any Personal Information you may submit to us.

This Privacy Policy applies to this Site, OnlinePaydayLoans.com. Please note that this Privacy Policy applies only to the information collected through this Site and not to websites maintained by other companies or organizations to which we link or which link to us.

Any disputes arising from use of this Site, is subject to this Privacy Policy as well as the Site’s Terms of Use. By using this Site and our services, or through an advertisement or linking from a third party site, you consent to this Policy, including your consent to our use and disclosure of your Personal Information as required under current Federal, State, and/or local law, as well as in the manner described below in this Policy.

You must be at least 18 years old to use this Site. This Site is a general audience site and we do not knowingly collect personal information from children under the age of 13.  For more information about the Children’s Online Privacy Protection Act (COPPA), view the FTC website at www.ftc.gov.

We do not ask you for, access or track any location based information from your mobile device.

Information We Collect: Personally Identifiable Information (PII) and Non-personally Identifiable Information (Non-PII) (“Personal Information”)

We collect and combine personally identifiable information (PII) and non-personally identifiable information (non-PII) through various sources, including those discussed below. For your reference, PII is data collected with an intention to specifically identify, contact or locate a person, including but not limited to Social Security number, first name, last name, address, zip code, city, state, length of stay at address, whether you rent or own, your email address, driver’s license or state ID number, telephone number, work telephone number, time at which you may be contacted, birth date, birth year, whether you are related to someone in the armed forces, whether you make income from job or from benefits, your employer name, duration of employment, employer’s phone number, job title, frequency of compensation, your pay dates, your IP address and computer specifications, your ABA/routing number, your bank account number, nature of bank account, name of bank, bank phone number, duration with bank, whether you get paid by direct deposit, monthly net income, and loan amount desired. Conversely, Non-PII is data that is not used to specifically identify, contact or locate an individual, including but not limited to zip code, gender, age, or IP address.

We use information gathered about you from our Site statistics via log files provided by third party tracking partners (for example your IP address) to help diagnose problems with our server, and to administer our Site. We also gather broad demographic information from this data to help us improve our site and make your browsing and purchasing experience more enjoyable. This is not linked to any personally identifiable information.  Our site uses cookies to keep track of your session information. We do link the information we store in cookies to personally identifiable information you submit while on our site.

We use both session ID cookies and persistent cookies. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. You can remove persistent cookies by following directions provided in your Internet browser’s “help” file.

We also use cookies to store your username if you request to remember your username during login. That information will be used to pre-fill the login form at a later time. If you are referred to our website through an ad or a partner, we will store the referral information in the cookies.

The use of cookies by our partners, affiliates, tracking utility company and service providers is not covered by our privacy statement.  We do not have access or control over these cookies. Our tracking utility company uses session ID cookies to help us improve our site and make your browsing and purchasing experience more enjoyable.

Our Site also contains links to other third party Web sites. OnlinePaydayLoans.com is not responsible for the privacy practices or the content of such Web sites. We encourage you to carefully read the privacy statement of any Web site you visit.

How We Use Information

We will don’t give information about you to others without your express permission. Our site uses forms in which you give us contact information (like your name, address, phone number, fax number billing information and e-mail address) so you can, for example, create an account, place orders, or request information. We use your Personal Information to contact you regarding functional changes to our products, our site, new services, and special offers we think you’ll find valuable, and provide customer service.

We don’t give out your information without your permission. The only exceptions to this are, when we are required by law, in the good-faith belief that such action is necessary in order to conform to the edicts of the law.

Business Transfer

If OnlinePaydayLoans.com is involved in a merger, acquisition, or sale of all or a portion of its assets, the successor company would have access to the information maintained by OnlinePaydayLoans.com, including your Personal Information, but would be bound by this Policy. You will be notified via email and/or a prominent notice on our Site of any change in ownership or uses of your Personal Information, as well as any changes to choices you may have regarding your Personal Information.

Sharing Information with Affiliates

We share your Personal Information with other companies with whom OnlinePayday Loans.com has contracted to provide services or products or who are owned in whole or in part by OnlinePaydayLoans.com (“Affiliates”). Affiliates may market their products or services to you. Affiliates can include, without limitation, financial service providers, banks, licensed loan brokers, commercial lenders, personal lenders, payday lenders, credit bureaus, mortgage and life insurance agencies, lead aggregators, title service companies, debt & credit services companies, and auto-finance companies.

When you submit your request for information, loan or quote, you are granting permission for OnlinePaydayLoans.com to share your Personal Information as described herein, including without limitation, disclosing your Personal Information to Affiliates; and to be contacted by OnlinePaydayLoans.com and/or its Affiliates. Without limiting the foregoing, we share your Personal Information, including the contact and loan request data you submit on the loan request form and OnlinePaydayLoans.com account number information, with Affiliates to fulfill information requests we receive from you; to provide you with superior service; inform you of product and service opportunities that may be of interest to you; and for other business purposes.

In some cases, we may obtain additional information about you from third parties. For example, we may use your Personal Information, including Social Security Number and birth date, to perform a soft inquiry relating to your credit bureau report that does not affect your credit score and is not shared with Affiliates; it is used to help us better connect you with Affiliates, including lenders. We do not pull a hard inquiry relating to your credit bureau report.

Sharing Information with Co-branded Partners

Some of the services offered on our website are co-branded with contracted partners or Affiliates. Co-branded offerings will be identified directly on the quote or information request form for the product or service you choose prior to you having to submit the quote or information request. Where a co-branded product or service provider is identified your Personal Information (including PII) will be shared with that provider. The product or service provider shall control your Personal Information once submitted to them.

We may use Personal Information to provide the services you’ve requested, including services that display customized content and advertising. In addition to any fee of which you are notified, your provider’s standard messaging rates apply to our confirmation and all subsequent SMS correspondence. You may opt-out and remove your SMS information by sending “STOP,” “END,” or “QUIT” to the SMS text message you have received. If you remove your SMS 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.

As Permitted by Law

We may be required to share your personal information with law enforcement or government agencies in response to subpoenas, court orders, federal/state audits or similar circumstances. We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of OnlinePaydayLoans.com’s Terms of Use, or as otherwise required by law.

Data Security

We follow generally accepted standards to protect the Personal Information submitted to us, both during transmission and once we receive it. We use 128 bit SSL security to encrypt any transmissions when you provide Personal Information. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security.

Sending Emails

We use e-mails to communicate with you, to confirm your placed orders, and to send information that you have requested. We also provide e-mail links, on bottom of most pages and our “Contact” page, to allow you to contact us directly. We strive to promptly reply to your messages.

The information you send to us may be stored and used to improve our site and our products, or it may be reviewed and discarded. However, your information will only be shared with third parties with your explicit permission.

The Gramm-Leach-Bliley Act

For purposes of compliance with the Gramm-Leach-Bliley Act, 15 U.S.C. 6802 (the “GLB Act”), this Policy shall serve as both your initial customer relationship and annual “Privacy Notice” as defined under the GLB Act. If you would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, please visit OnlinePaydayLoans.com/unsubscribe, enter your email address and click the submit button then confirm your entry.

The Patriot Act

Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new customers and current customers. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities. While OnlinePaydayLoans.com is not a financial institution, lenders we work with are financial institutions. What this means to you: when you submit information to OnlinePaydayLoans.com, we will ask for your name, physical address, mailing address, date of birth, and other information that will allow us to identify you. This information will be passed on to the lender that you are connected with on OnlinePaydayLoans.com.

For California Residents

On September 27, 2013, A.B. 370 was signed into law, amending the California Online Privacy Protection Act to require operators of commercial websites like OnlinePaydayLoans.com to disclose: (1) How our company responds to “Do Not Track” signals; and (2) Whether third parties collect personally identifiable information (PII) about users when they visit OnlinePaydayLoans.com.

OnlinePaydayLoans.com does not engage in the collection of personally identifiable information (PII) about an individual consumer’s online activities over time and across third-party Web sites or online services. Our company does not honor “do not track” signals. Users who chose to use “do not track” signals will still have access to our website. OnlinePaydayLoans.com does not permit third parties to collect PII about an individual consumer’s online activities over time and across different Web sites when a consumer uses our Site.

Changes to this Privacy Policy

We may update or modify this Policy to reflect changes to how we will collect, use and/or share Personal Information. Our Policy will reflect the date it was last updated. If we make material changes to this Policy, we will notify you either by prominently posting a notice of such changes before implementing them or by sending you electronic notification of the changes. Please check this Privacy Policy each time you use our websites to ensure you are aware of any changes in our practices. Your continued use of our websites will signify your acceptance of the changes to the Privacy Policy.

Service Providers

We use a credit card processing company to bill users for goods and services. This company does not retain, share, store or use PII for any secondary purposes.

Visiting our Websites From Outside the United States

This Policy is intended to cover collection of information on our Site from residents of the United States. If you are visiting our Site from outside the United States, please be aware that your Personal Information may be transferred to, stored and processed in the United States where our servers are located and our central database is operated. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country. By using our services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this Policy.

Testimonials

We post customer testimonials on our Site which may contain PII.  We do obtain the customer’s consent via email prior to posting the testimonial to post their name along with their testimonial.

Public Forums

Our Site offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog or community forum, contact us at the email address listed below. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.


In addition to using cookies and related technologies as described above, we also may permit certain third party companies to help us tailor advertising that we think may be of interest to users and to collect and use other data about user activities on our Sites and/or Services (e.g., to allow them to tailor ads on third party services). These companies may deliver ads that might also place cookies and otherwise track user behavior.

We use Google Analytics’ 3rd-party audience data such as age, gender and interests to better understanding the behavior of our customers and work with companies that collect information about your online activities to provide advertising targeted to suit your interests and preferences. For example, you may see certain ads on this website or other websites because we contract with Google and other similar companies to target our ads based on information we or they have collected, including information that was collected through automated means (such as cookies and web beacons). These companies also use automated technologies to collect information when you click on our ads, which helps track and manage the effectiveness of our marketing efforts.

You may opt out of the automated collection of information by third-party ad networks for the purpose of delivering advertisements tailored to your interests, by editing your Google Display Network ads’ preferences at http://www.google.com/ads/preferences/. For further information regarding the privacy practices of our advertisement provider, please visit http://www.google.com/privacypolicy.html.

Contacting the Web Site

If you have questions or concerns regarding this statement, you can contact us directly at: support@onlinepaydayloans.com.

Privacy Permissions

We collect and combine personally identifiable information (“PII”) and non-personally identifiable information (“Non-PII”) through various sources, including those discussed herein. We may obtain Information about you from third parties such as: credit reports, information about your home and demographic information. When you submit your request for information or quote, you are granting us permission to share your PII and Non-PII, including the contact and loan request data you submit with affiliated third parties, including affiliate companies and co-branded partners; you are also granting us permission to be contacted by us or our affiliated third parties, including affiliate companies and co-branded partners. Affiliated third parties include, but are not limited to, banks, commercial lenders, unsecured lenders, secured or titled lenders, and licensed loan brokers, financial service providers (such as mortgage and life insurance agencies), title service companies, debt and credit services companies and auto-finance companies. An “affiliate company” is a company under legal contract with us to fulfill services or is a company owned in whole or in part by us. A “co-branded partner” is a contracted partner with whom we work to provide co-branded services on our website. We do not engage in the collection of PII about an individual consumer’s online activities over time and across third-party Web sites or online services. We do not honor “do not track” signals. Users who chose to use “do not track” signals will still have access to our site. We do not permit third parties to collect PII about an individual consumer’s online activities over time and across different Web sites when a consumer uses our site.