Payday.Live Privacy Policy

When you use Payday.Live to find a lender you share your information with us. This privacy policy is meant to inform you about the the information we collect and how we use and share that information. If you would not like to share your information please do not use this website. Using this website and submitting your personally identifying information constitutes an acceptance of this policy. We may change this policy at any time.

Information We Collect

Personally Identifiable Information (PII). PII can be used to identify an individual. Your PII is collected when you submit it using the forms on the website. Participating Lenders will also collect this information when you agree to loan terms. We collect information when you contact us via email or on the phone. The types of PII that we collect include name, address, telephone numbers, bank account information, social security number, email address, birthday, driver's license number, employment information, home ownership status, salary, military status and paycheck regularity.

We may collect third party information. Use of this third party PII is only used for the purpose of completing your request.

Non-Personally Identifiable Information. We also collect information that cannot be used to identify a specific individual. IP address, geographic location, hardware and software characteristics, information about your computer, browser type, operating system type, internet access, other websites you have used.

We do not collect information from children. We will not knowingly collect information from any person under the age of 13. It is against our terms of service to use this website if you are under the age of 18. If we become aware that we have information about anyone under the age of 13 we will immediately delete the information.

No sensitive health information is collected. We do not collect information about past, present or possible medical conditions.

Log Data. Our web servers collect data such as IP, useragent, referring URLs, exit pages, time stamps, and click data.

We combine automatically collected data with your use provided data to make our service better for you and our participating lenders.

Cookies are small files that a site or its service provider transfers to your computer's hard drive through your Web browser (if you allow) that enables the site's or service provider's systems to recognize your browser and capture and remember certain information. For instance, we use cookies to help us remember and process the items in your shopping cart. They are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.

We use cookies to:

  • Understand and save user's preferences for future visits.
  • Keep track of advertisements.
  • Compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future. We may also use trusted third-party services that track this information on our behalf.

You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Since browser is a little different, look at your browser's Help Menu to learn the correct way to modify your cookies.

If you turn cookies off, Some of the features that make your site experience more efficient may not function properly.Some of the features that make your site experience more efficient and may not function properly.

How We Use the Information We Collect

We use both the PII and the automatic information we collect to deliver the service you have requested. We provide this information to our participating lenders and to third party networks of lenders. We also provide this information on a limited basis to third party services in an attempt to verify your identity, ensure that the information supplied meets the requirements of our lenders, provide you with customer support through email, telephone and other media, provide you with information about products that may be of interest to you from our marketing partners or third parties. We also use this information to perform analytics on the use of our site and to enforce our terms of use.

Disclosure of Information to Others

We share your PII with third parties only in the ways that are described in this privacy policy. We do not sell your PII to third parties.

We share your PII and all information collected by the form or the system with participating lenders, and third party networks of lenders. In addition we share information with third party marketers and list managers. We also share your information with companies that help us to verify your identity.

The third parties with whom we share information have their own privacy policies describing how they use and disclose your information. These third party policies will govern the use, handling and disclosure of your information once we have transferred or shared it with them, as described in this policy and our terms of use.

We will share personal information with companies and organizations or individuals if we believe that the use is necessary to comply with applicable law, regulation, legal process or enforceable government request. We will share information to enforce applicable terms of service and to detect and prevent fraud.

We may also disclose and transfer your information to a third party who acquires any or all of our business, whether by merger, consolidation or purchase of all or a portion of our assets. If we become insolvent we or our administrator may sell, license or dispose of your information in a manner approved by the court.

Third Party Collection and Use of Information

By the use of this service, you are automatically redirected to third party websites that we donot control and are not covered in this Privacy Policy. Please, review the privacy policies and terms of service of the websites these third party websites. These sites may collect information from you. Once we have redirected you to a participating lender, their privacy policy may be very different than ours. You should review their privacy policy so that you can become informed about their data collection and use policies.

Security of Information

Our website is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit to our site as safe as possible. We use regular Malware Scanning. Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology. We implement a variety of security measures when a user enters, submits, or accesses their information to maintain the safety of your personal information. However no system is 100% secure so transmission of your data to us is done at your own risk. Your data is stored in a secured data center not accessible to the public.

Changes to our Privacy Policy

We reserve the right to make changes to this Privacy Policy. You will be notified of these changes on the Privacy Policy page.

Accessing your information

You can always access your information by signing into the website and editing your profile. If you wish to cancel your account you may do so at anytime. We will keep your PII on file for as long as is needed to service your request. We may keep your information after services have been rendered to provide you with offers that may be of interest to you. You may opt out or cancel your account by contacting support@payday.live or by using the profile section of the website to close your account.

Demographics and Interests Reporting

We, along with third-party vendors such as Google use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as the DoubleClick cookie) or other third-party identifiers together to compile data regarding user interactions with ad impressions and other ad service functions as they relate to our website.

To opt out, users can set preferences for how Google advertises to you using the Google Ad Settings page. Alternatively, you can opt out by visiting the Network Advertising Initiative Opt Out page or by using the Google Analytics Opt Out Browser add on.

California Online Privacy Protection Act

CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law's reach stretches well beyond California to require any person or company in the United States (and conceivably the world) that operates websites collecting Personally Identifiable Information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals or companies with whom it is being shared. - See more at: http://consumercal.org/california-online-privacy-protection-act-caloppa/#sthash.0FdRbT51.dpuf

According to CalOPPA, we agree to the following: Users can visit our site anonymously. Once this privacy policy is created, we will add a link to it on our home page or as a minimum, on the first significant page after entering our website. Our Privacy Policy link includes the word 'Privacy' and can easily be found on the page specified above.

You will be notified of any Privacy Policy changes by a notice on our Privacy Policy Page.

We don't honor Do Not Track signals and Do Not Track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place. We don't honor them because DNT signals limit our ability to provide the requested service.

It's also important to note that we allow third-party behavioral tracking.

Fair Information Practices

The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information. In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur, We will notify you via email within 7 business days.

We also agree to the Individual Redress Principle which requires that individuals have the right to legally pursue enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or government agencies to investigate and/or prosecute non-compliance by data processors.

CAN SPAM Act

The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.

We collect your email address in order to:

  • Send information, respond to inquiries, and/or other requests or questions
  • Process orders and to send information and updates pertaining to orders.
  • Send you additional information related to your product and/or service
  • Market to our mailing list or continue to send emails to our clients after the original transaction has occurred.

To be in accordance with CANSPAM, we agree to the following:

  • Not use false or misleading subjects or email addresses.
  • Identify the message as an advertisement in some reasonable way.
  • Include the physical address of our business or site headquarters.
  • Monitor third-party email marketing services for compliance, if one is used.
  • Honor opt-out/unsubscribe requests quickly.
  • Allow users to unsubscribe by using the link at the bottom of each email.

If at any time you would like to unsubscribe from receiving future emails, you can email us at support@payday.live or follow the instructions at the bottom of each email. We will promptly remove you from ALL correspondence.

This document was last updated on 06/16/2017

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