Privacy Policy

We are serious about protecting your  online privacy. This Privacy Statement explains our views and practices  concerning privacy, and how they may pertain to you as a user of our website.

“You” or “Your”  means you as a participant in or as a user of our program.  “We” or “Our” or “Us” means us, providing the program.

 

All information transmitted, printed  or otherwise submitted to us via this website shall be deemed  to be the property of us and we shall be free  to use such information for any lawful purpose as detailed herein.

 

This site contains links to other  sites and we are not responsible for the privacy practices or the content of  such sites.

 

We reserve the right to release such  information to law enforcement or other governmental officials as we, in our  sole and absolute discretion, deem necessary to comply with the law.

 

What  Information We Collect

We automatically collect and/or track the following:

 

1. Web page http headers (home server domain names, IP address, type of client computer, and type of Web browser);

 

2. Information knowingly provided by you through on-line forms, registration forms, surveys, and or other entries,  such as email addresses, personal, financial or demographic information;

 

3. Information, user specific or aggregate, on what pages our visitors access and the e-mail  addresses of visitors that communicate with us via e-mail.

 

How  We Use That Information

  We use your personal, demographic and profile data to enhance your experience  at our site and to enable us to present content we think you might be  interested in. We 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 site, 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 telemarketing, SMS  text-messaging, e-mails or postal mailing regarding site updates, new products  and services, upcoming events, and/or status of orders placed online.  By using this site, 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, in-house list or similar registry.

If you choose to provide  personal information it will be used for the following purposes:

 

1. Considering you for a payday loan through the payday loan provider.
2. Updates, Newsletters and Advertisements from our publishing department which includes the Better Times Newsletter.

Disclosure of Data to Third Parties

When you submit the request form(s) we share your information with one or more participating lenders. By submitting the requesy form(s), you understand and agree that you are submitting an inquiry about a loan product and each of the participating lenders and/or marketing partners to whom we transmit your loan request. By submitting the request form(s), you are extending an express invitation to each of the participating lenders and/or marketing partners with whom your information is shared to contact you by any means (including, without limitation, email, telephone, and direct mail) so that they may assist you with your transaction or provide information to you about additional offers in which you may be interested.

 

If you checked “Yes” to Credit Offers from third parties it will be used for marketing products and services which we determine, in our sole judgment, that you might find of interest.

 

Protection of Information

We work to protect your personal information from loss, misuse, or unauthorized alteration. We have put in place physical, electronic, and managerial procedures to help safeguard and help prevent unauthorized access and maintain security over the data we collect.  When Consumer Reports transmits information over the Internet, we work to protect the information through the use of data encryption methods.

 

Please note that no method of transmitting or storing electronic data is ever completely secure. Therefore, we cannot promise or guarantee that such information will never be accessed, used, or released in a manner that is inconsistent with this Privacy Policy.

 

Your  Opt-Out Rights

  You may opt-out of receiving communications from us by not submitting your information. We also allow you to remove your information from our database by using the unsubscribe link on our website and email communications. If you remove your information from our database it will no longer be used by us to send promotional correspondences to you although you may still receive promotions from our third party partners. We take your privacy seriously and we do not tolerate spam.

Anti Spam Policy. Can-Spam Act Compliance

We are  dedicated to ensuring compliance with the ‘Can-Spam Act’, which took effect  January 1, 2004.  You may receive mail  from us in the following circumstances:

 

 

• Acknowledging your form has been received and requesting additional action
• Requests for additional information to support your current form
• Response to your inquiries regarding the status of your loan, payment due dates, extension requests and other transactional requests 
• Thanking you for your valued business
• Advertisements for our products, services, changes in services, new product availability
• Advertisements for third party products and services where we have determined that such product or service may be of interest to our customers

We  Do Not Intend To Collect Data From Children

  The information and services provided us or our affiliates, sponsors, and  advertisers are not intended to be viewed by children (under 18 years old). No  information collected from children is knowingly used for any marketing or  promotional purposes whatsoever, either inside or outside our site. 

Our  Right To Contact You

  We 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.

 Notice to California Residents

 We have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act.  Pursuant to state law, our site may not share information it collects about you with its Affiliated Companies or with Non-Affiliated Third Parties, except in the limited circumstances permitted under state law, or if you give us your permission.

California Civil Code Section 1798.83, also known as S.B. 27, allows California residents to request certain information regarding our disclosures in the prior calendar year, if any, of personally identifiable information to third parties for their own direct marketing purposes. To make such a request, please write to us at attn: Customer Service, 4521 PGA Blvd #155, PBG, FL 33418.

 

 Notice to New York Residents

 This service is not available in New York or to New York borrowers due to interest rate limits under New York law.

 

 Our  Right To 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 site.