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For the PayDay One Group of Companies
At PayDay One your privacy is important to us. This Privacy Policy describes the information we collect and how we use that information and is applicable if you have applied for service with PayDay One, or if you are a current or former customer. This Privacy Policy is effective as of February 14, 2008.
We are committed to protecting your privacy and to implementing technology that gives you a powerful and secure online experience. We maintain physical, electronic, and procedural safeguards to transmit and store information about you. For instance, we use computer virus protection software, firewalls, and a 128 bit Secure Socket Layer (SSL) for data transmission to secure your information. We are regularly evaluating new advances in security technology and techniques to provide protection for information about you. In addition, we permit only authorized employees who have a job-specific purpose and are trained in the proper handling of customer information to have access to your information.
We collect several types of information about you:
The information we collect about you is used to provide services to you and contact you regarding administrative matters. We may also use your information to resolve disputes, troubleshoot problems, and enforce our agreements with you, including, but not limited to the Terms and Conditions, Application Agreement, Loan Agreement and this Privacy Policy.
We may use your contact information to send you information about our company and promotional material from our partners. We may also use your personal, demographic and profile data to improve our website, for statistical analysis, for marketing and promotional purposes, and for editorial or feedback purposes for our advertisers. Information collected by us may be added to our databases and used for future e-mails or postal mailings regarding site updates, new products and services, upcoming events, and/or status of orders placed online, unless prohibited by law.
We reserve the right to share data we collect with our affiliates, as well as to share, rent, sell, or otherwise disclose data we collect with non-affiliated third parties, including but not limited to magazine publishers, retailers, and direct marketers. Any non-affiliated third party we share, rent, sell, or otherwise disclose data to will be prescreened by us, determined by us to be reputable, and will use the personal data for marketing products and services which we determine, in our sole judgment, that you might find of interest.
Information we share with Affiliates:Some of our services are provided using our affiliates, and we share nonpublic personal information with them in order to fulfill the services you have requested, and as required or permitted by law.
Information we share with Third Parties:We use certain non-affiliated third parties as service providers, and we share nonpublic personal information with them in order to fulfill the services you have requested, and as required or permitted by law.
Information we share with Financial Institutions:We may disclose information we collect to financial institutions with which we have a joint marketing and/or servicing agreements, such as banks.
PayDay One may contact you by several contact methods, including but not limited to. writing to you via US postal service and/or electronic mail, and calling you via telephone, at any address or number provided by you. We may also contact you via text messaging or other mobile communications device, if you have previously requested or agreed to this type of communication. We may use any one or all of these methods to contact you about the status or approval of your loan, inform you about special promotions, savings and services we believe may be of interest to you, to remind you of upcoming payments, and to communication with you regarding collections and other issues related to your loan.
You may manage your contact information and preferences by calling us at 866.580.1226, emailing us at customersupport@paydayone.com or changing your contact preferences on the PayDay One website. Notwithstanding the above, we reserve the right to contact you to inform you of technical service issues related to a service you requested. You will not be able to choose to unsubscribe from these communications as they are considered an essential part of the service you have requested. In addition, we reserve the right to contact you regarding your account status, collection matters, changes to subscriber agreements, privacy policy, or any other policies or agreements relevant to you and/or your loan using any contact method described above.
We have established procedures to ensure that your financial information is accurate, current and complete, in keeping with reasonable industry standards. We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any information we determine to be inaccurate.
You may change your information on your application online by logging into the website and selecting "Update Info."
Because circumstances and technologies change, we reserve the right to change this policy at any time by notifying you of the existence and location of the new or revised privacy policy or by posting the changes online at our website.
You also have a significant role in protecting your information. No one can see or edit your personal information without knowing your login information; do not share this with others. If you use this site you are responsible for maintaining the confidentiality of your account, password, and restricting access to your computer. You agree to accept responsibility for all activities that occur under your account and password.
To ensure we are publishing content customers need and want www.paydayone.com collects aggregated site visitation statistics using cookies. We do not track individuals' use of the web site. When someone visits the web site, a cookie is placed on the customer's machine (if the customer accepts cookies). If you choose to not have your browser accept cookies from the www.paydayone.com web site, you will not be able to subscribe to the service offerings on the site.
We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
We will not disclose information about you with affiliates or non-affiliated, third party companies or financial institutions, other than as required or permitted by law, without your express permission.
We will not share information we collect about you with affiliated or non-affiliated third parties, except in the limited circumstances permitted under state law, or if you give us your permission.
We will not disclose information about you with non-affiliated, third party companies or financial institutions, other than as required or permitted by law, without your express permission.
If you wish to “opt-out” of disclosure of information with affiliates and nonaffiliated third party companies (other than as required or permitted by law), log into your account, go to the Change Account Preferences page and state your information sharing and contact preferences.
By electing to opt-out of information sharing you will not receive updates on new products, services, or special offers. We may still send out periodic emails informing you of issues related to a service you requested. You will not be able to choose to unsubscribe from these mailings as they are considered an essential part of the service you have requested.
Pursuant to Nevada state law, if you would like more information regarding this notice or Nevada's law regarding corporate do-not-call registries, you can contact us at the toll-free number or address included in this notice below or the Bureau of Consumer Protection, Office of the Nevada Attorney General at 555 E. Washington Street, Suite 3900, Las Vegas, Nevada 89101. Phone: (702) 486-3132 / Email: BCPINFO@ag.state.nv.us
We respect the privacy of your children, and we comply with the Children’s Online Privacy Protection Act (“COPPA”). We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen (13). You must be at least eighteen (18) years of age to obtain services from us.
If you have any questions about this Privacy Policy or the practices of this web site, please contact us by sending a letter to:
PayDay OneAttn: Privacy OfficerP.O. Box 101842Ft. Worth, TX 76185or(866) 580-1226orSending us an e-mail at: customersupport@paydayone.com.
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