Welcome to PaydayLoansMemphis.com (hereinafter "Company"). This Privacy Policy is an Agreement between Company and You (hereinafter "You" and/or "Your")-as the user of this website (hereinafter "Site") and Company’s services-and governs Company’s collection, use, and protection of the personal information submitted by You to this Site.
Please be sure to read this Policy in its entirety before using this Site. By using this Site and submitting personal information on this Site, You acknowledge that You have read, understand and agree without limitation or qualification to be legally bound by this Policy and Company's Terms & Conditions of Use. If You do not agree with the manner in which Company collects and uses the information you submit on the Site, do not use this Site or Company's services.
Company collects information about You by and through Your access to and use of this Site and through Your use of Company's referral services ("Company's services"). Some information is collected through Your submission of information when You submit Your information on the Site. Any use of Company's services is entirely voluntary, and You are not required to provide any such information to Company unless You choose to utilize Company's referral services. Other information is collected by virtue of Your access to and use of this Site, which includes, without limitation, Your Internet Protocol address, browser type, location information, and date and time of access and use. The information collected by virtue of Your access to and use of this Site may be collected irrespective of whether You submit information to register for Company's services. This Policy applies to all such information, howsoever collected.
Some of the information that Company collects when you provide it to us in conjunction with Your registration for Company's services may include Personally Identifiable Information. Personally Identifiable Information is unique data about an individual used for identification and communication purposes. Company's network of independent third party lenders (hereinafter "Participating Lender(s)") will also collect Your Personally Identifiable Information when you provide it in conjunction with their own application process. Company may also collect Your Personally Identifiable Information when you communicate with us via email or telephonically. Personally Identifiable Information includes, without limitation, Your first and last name, date of birth, email address, zip code, state and city of residence, street address, length at address, driver's license number and state of issuance, home/work/mobile telephone number(s), social security number, financial information, employment information and military status. No sensitive health information is collected. If You do not provide requested Personally Identifiable Information, You will not be able to access or use Company's services.
Some information You must provide to register for Company's services or which may be collected by virtue of Your access to and use of this Site may include Non-Personally Identifiable Information. Non-Personally Identifiable Information includes, without limitation, Internet Protocol address, website use, the Company services that You use, browser type, geographical location, operating system type, other websites that you may have visited and Internet Service Provider.
This Site employs the use of Cookies to enhance Your user experience. Cookies are data sent to Your computer when You visit a website. Cookies allow this Site to recognize Your browser type and store Your preferences. Cookies help Company analyze traffic on this Site to better understand visitor behavior and other activity. Cookies, by themselves, do not provide Company with Your Personally Identifiable Information. You can disable Cookies through the settings on Your Internet browser. However, if You disable Cookies, You may not be able to access or use certain features of this Site or Company's services. Company has no access to or control over third party Cookies technology. You can learn more about cookies at http://cookiecentral.com.
Broadly speaking, the information collected through Your access to and use of this Site and Company's services will be used to assist us and/or Participating Lenders to process Your payday loan request. Company may also assess Your Personally Identifiable Information for verification and eligibility purposes. Company also uses Non-Personally Identifiable Information to provide You with customized advertising content.
Your information may also be used by Company, Participating Lenders and/or third party marketing partners to contact You via email, direct mail and/or telephone/mobile device regarding products or services that may be of interest to You. Please note that third parties, including, without limitation, Participating Lenders, have their own privacy practices regarding the use and sharing of Your information. You should review that third party policies immediately to know how they will collect, use and share your information.
Company expressly reserves the right to share the information collected by and through Your access to and use of this Site and Company's services: (a) where required by law, warrant, subpoena or legal process; or where requested by a court of competent jurisdiction, governmental authority or quasi-governmental authority; (b) in the event of Company's bankruptcy, or if Company is sold or acquired; (c) where You are in violation of this Policy or the Terms & Conditions of Use; (d) to prevent, address, or remedy fraud, security or technical issues, which necessarily may include, without limitation, the exchange of such information with trusted third parties for fraud prevention purposes; (e) to improve the design and content of this Site; (f) where Company determines such disclosure is necessary to protect the rights of Company or a third party, or to shield Company from liability of any kind; (g) to a third party that acquires any or all of our business, whether such acquisition is by way of merger, consolidation or purchase of all or a substantial portion of our assets; or, (h) in the event Company becomes the subject of an insolvency proceeding.
By registering for Company's services, You understand that You are requesting a referral for a loan from the Participating Lenders with whom we may share Your information. You are also giving Your express consent to receive promotional materials from Participating Lenders, Company and/or third party marketing partners with whom we may share Your information. They may also provide information to You about additional services and products. You further understand that all communications, whether to assist You in obtaining the loan requested or for promotional purposes, may be via direct mail, email (at the email address provided by You) and/or telephone/mobile device (at the number(s) provided by You) notwithstanding that Your email address and/or numbers may be listed on a corporate, state, or federal Do-Not-Contact registry, suppression list, or the like. You agree that by giving Your express authorization for receipt of the various marketing materials and means of delivery contemplated herein, You thereby waive Your right to file a claim or complaint with the FTC, FCC or any other federal or state agency or office with regard to such contact. If You do not wish to receive such marketing materials and/or communications, You may request to be removed by using the relevant opt-out mechanism in such communications. Requests to unsubscribe from receipt of communications from third parties must be communicated directly to such third parties. Company is not responsible for stopping all unwanted communications from sources beyond Company's control. Please contact Company via email at info@PaydayLoansMemphis.com with any questions or concerns related to these Marketing Practices or your privacy.
Company employs a series of physical and electronic security measures and procedures to safeguard the security and integrity of Your personal information from unauthorized access, use, destruction, or disclosure-both online and offline. For example, Company has managerial security measures in place wherein access to and use of Your personal information is limited. As for technical security measures, Company secures data transmission with Secure Socket Layer (SSL) encryption software, limits access to data storage with password protection, and stores data on secure servers and computers.
Please note that although Company takes all reasonable precautions to protect Your data, no data storage or data transmission security is guaranteed. Accordingly, Company cannot, and does not, represent, warrant, or guarantee the complete security of any data storage or data transmission. You agree that Your access to and use of this Site and Your use of Company's services-which necessarily includes data storage and data transmission-are done at Your own risk.
In the event of any known data security breach with respect to Your Personally Identifiable Information, Company will notify You and relevant regulatory agencies as may be required by applicable law. Be advised that notice to You may be delayed to address the needs of law enforcement, to determine the scope of the breach, and/or to employ certain remedial measures.
Company retains the information collected by and through Your access to and use of this Site and Your use of Company's services as needed to perform Company's services, to comply with legal obligations, to resolve disputes and to enforce agreements. If You wish to update or delete Your Personally Identifiable Information, You may communicate Your desire to do so to Company via email to info@PaydayLoansMemphis.com.
This Site may contain links to third party websites. You agree that Company is not responsible for the privacy policies and practices of such third party websites, and understand that this Policy does not apply to Your access to and use of such third party websites. This Policy applies solely to information collected by Company, even where Company may frame another website with its own. You are encouraged to exercise care when following third party links away from this Site, and to read the privacy policy of any such site that collects Personally Identifiable Information from You. Company is not liable for Your access to and use of such third party websites, and Your access to and use of such third party websites are done at Your own risk.
This Site is a general audience website and is not specifically designed for or targeted to children. You must be eighteen (18) years of age or older to register for Company's services. Children under the age of eighteen (18) are strictly forbidden from registering for Company's services. Company does not knowingly collect, use or share any Personally Identifiable Information from children under the age of eighteen (18). If Company becomes aware that Personally Identifiable Information regarding a child under the age of eighteen (18) has been inadvertently collected at this Site, Company will make reasonable efforts to delete it from Company's records.
Company expressly reserves the right to modify the terms of this Policy and/or Company's services at any time and without prior notice. The effective date of any such changes will be posted at the top of this Policy. If You do not agree to any such modified terms, do not use this Site or Company's services.
You may "opt-out" of having your Personally Identifiable Information used by Company for marketing purposes. If you do not wish to receive any additional marketing material from PaydayLoansMemphis.com, simply follow the unsubscribe instructions included within the relevant communication.
Comments, questions, or concerns about this Policy or Company's privacy practices may be directed via email to info@PaydayLoansMemphis.com.