Privacy Policy

Effective date: 3/3/2020

The following Privacy Policy outlines how PaydaySeek.com (referred to herein as “PaydaySeek,” “the Website,” “us,” “we,” “our,” or “ours”) gathers, retains, distributes, and utilizes data submitted by visitors (referred to herein as “user,” “users,” “you,” “your,” or “yours”). This document serves as our official commitment to safeguarding and securing all personal data you provide to us.

If you have previously provided information to us and wish to have specific personal details removed from our databases (specifically, records linked to PaydaySeek that are under our control), please reach out to us directly using the contact information available on PaydaySeek.com.

PaydaySeek adheres strictly to all federal, state, and local laws of the United States of America (“USA”). By willingly submitting your information to the Website, you confirm that you are a legal resident of the USA aged 18 years or older. Your registration and submission also confirms that you understand and accept the terms of this Privacy Policy and the Website Terms and Conditions of Use, and that the information you submit to us will be regulated according to these documents.

Please study these documents carefully before you submit your information to us. If you misunderstand or disagree with any clauses within the Terms and Conditions of Use or this Privacy Policy, do not provide your information or register with PaydaySeek via online form or by any other method. To indicate your rejection of these terms, do not use our services and please close any browser windows in which the Website is or was open.

A. Personally and Non-Personally Identifiable Information

To create an account with PaydaySeek and access its services, you are required to submit personally identifiable information (“PII”) through the online registration form on the Website. This Privacy Policy details the procedures for collecting, storing, using, and sharing your PII. Such information may comprise your first and last names, residential address, email address, phone number, date of birth, employment details, state-issued identification number, social security number (“SSN”), and banking details.

We gather the PII necessary to deliver the services you request via the Website. Should you choose to stop using the Website for any reason, you should refrain from submitting your PII. We utilize your SSN and banking information to search for and match you with third-party lenders within our network (“Lenders”); however, this sensitive data will never be disclosed to any Lenders, marketers, or other third parties unless mandated by law or a special order from authorized entities such as law enforcement or legal governing bodies.

We also gather any non-personally identifiable information (“NPII”) that your interaction with the Website makes available to us. NPII may encompass Internet Protocol (“IP”) data, browser specifications, access dates and times, internet service provider (“ISP”) details, referring and exit pages, user operating systems, etc. We may distribute your NPII to contracted third parties unless you (i) employ methods to conceal your NPII, such as using a proxy server; or (ii) explicitly submit a request to us asking us to cease using your NPII.

a. Use of Your PII

We collect, store, use, and share your PII in strict accordance with the terms defined in this Privacy Policy. We employ data encryption and other reasonable security measures to safeguard your PII, which we only collect with your voluntary participation during Website registration. Your submission of PII signifies your understanding and consent that we will use the provided information to (i) protect you from fraud; (ii) provide you with the service of matching you with Lenders; (iii) contact you with information regarding Lenders; and (iv) contact you with marketing materials for financial products and services you have expressed interest in.

We may share certain less-sensitive PII (excluding SSN, banking information, and other privileged data like state-issued ID numbers) with third-party technical support providers. Our contracts with these providers mandate that your information remain secure and hold the third-party technical support provider liable for any security breaches or unauthorized sharing of your PII. These providers are never authorized to share or distribute your PII in any manner or at any time.

Law enforcement and governing bodies may possess the authority to demand the disclosure of part or all of your PII. We will only comply if legally required to do so, or if it is lawful and necessary to (1) prevent criminal activity; (2) protect national security; (3) ensure personal or public safety; (4) protect our affiliates; or (5) protect ourselves and our assets.

Credit bureaus or consumer reporting agencies may share your PII with any Lenders only with your prior authorization (consumer reporting authorization). Any legal agreement between you and a Lender should govern such activities. Furthermore, we cannot oversee such activities; therefore, we cannot dictate any provisions regarding said activity within this Privacy Policy.

In the event that PaydaySeek is acquired by, consolidated with, or merged into another corporate entity, ownership of your PII may also transfer. You may be notified of such an event via contact information you voluntarily provided to us and/or through a notification published on the Website. It is also possible that a non-US company may acquire PaydaySeek, subjecting the Website to a new set of state or local laws. If ownership of your PII transfers, it may be lawful for authorized representatives of the acquiring company to dispose of, sell, or otherwise transfer your PII.

b. Third Party Marketing

We may share some of your less-sensitive PII (excluding SSN, banking information, and other privileged data such as state-issued ID numbers) with certain Marketers, advertisers, and lenders. These recipients may use this less-sensitive PII to contact you with marketing materials regarding products and services you expressed interest in while submitting your information to us. These recipients may also share this subset of your PII with other third-party marketers (“Marketers”) who may subsequently contact you with marketing material about products and services you expressed interest in when submitting your information to us.

You must contact Marketers directly to request that they cease using your PII and erase the information from their servers. Some third parties provide an easily accessible unsubscribe button or link, an online form to complete, an email address to contact, or another method of direct communication to request exclusion from their marketing activities. These activities may include emails, direct mailings, telemarketing, text messages, and other forms of direct communication.

Some Marketers utilize your information to track your online activities, collect behavioral data, and analyze search habits to determine which products and services best align with your needs. These Marketers may use your PII in compliance with local, state, and federal laws and the stipulations outlined in their own privacy policies and terms of use. We have no control over and assume no responsibility for how these parties use your information. Consequently, you must contact Marketers directly to request an end to any contact or marketing activity, or to request the removal of your information from their servers, databases, and lists.

Your continued use of PaydaySeek’s website and services signifies your understanding of and agreement to the stipulations outlined in this Privacy Policy, our Terms and Conditions, and any legal documents governing the use of your information on the Website, as well as the terms of collection, storage, use, and sharing of your information, including how Lenders and Marketers may use your PII.

To discontinue use of PaydaySeek’s website and the receipt of further information from us, you must close this and all other Website pages, and do not share any of your PII with us. If you have already submitted your PII, you can contact us directly at [email protected] to discontinue use of our services and request deletion of your PII from our databases and servers. We will process your request as soon as possible and ensure that it is not transferred to any third party to be used for any purpose.

Any PII that has already been shared with third parties is beyond our control. Therefore, we cannot accept responsibility for any communications involving third parties. You must contact these third parties directly to request the removal of your information from their servers, lists, and databases.

c. Credit Implication of PII Usage

Lenders utilize your PII to verify your identity and cross-reference it with national databases. Lenders may also require credit verification prior to loan approval to assess the risks associated with providing you credit; this necessitates Lenders using your PII to request verification or a credit report from one or more credit bureaus or other official credit organizations. Such requests may negatively impact your credit score.

Your continued use of PaydaySeek’s website and services indicates your understanding of these terms and your consent to have your credit score verified by Lenders in accordance with all legal documentation and agreements.

d. Email Marketing and Telemarketing

Your agreement with our Terms and Conditions and this Privacy Policy confirms your consent to allow Lenders and Marketers, who have been legally supplied with your PII, to use your PII for marketing and advertising purposes, including email marketing and telemarketing.

Lenders and Marketers may use your PII to contact you directly or indirectly using methods that may include telephone calls, telemarketing calls, and product and service offers via telephone using the phone number you provided in the Website’s online form, regardless of its inclusion on any Do-Not-Call or Do-Not-Contact registration list. This applies in accordance with the Amended Telemarketing Sales Rule, 16 CFR §310 et seq. (“ATSR”) as regulated by the Federal Trade Commission (“FTC”), which states that we may contact you upon your consent to the use of telemarketing; your request to use services on the Website qualifies as an attempt to purchase under the ATSR. This means you authorize the Website, Lenders, and Marketers to use your PII for telemarketing purposes.

By consenting to the terms of this Privacy Policy and other legal documents on this Website, you confirm this consent and acknowledge that you are at least 18 years of age and are legally authorized to access and use the Website.

Additionally, you confirm that you understand the liabilities and potential charges associated with your participation in any telemarketing campaign.

Your service provider may also collect your PII in accordance with terms regulated by law and any legal agreement you may have with your service provider. Any such activity is beyond our control and cannot be regulated by the Website.

e. The Means to Collect Non-Personally Identifiable Information

PaydaySeek, Marketers, and Lenders may collect your NPII, including your geographical location, IP address, ISP, operating system, browsing history, online behavior, and language preferences. Methods to collect this data may include the application of cookies, web beacons, server and browser logs, and analytic tools. We collect and store this data to customize our services to better suit your needs.

Cookies

Cookies are small files that a website operator or host assigns to a website’s user to identify said user. This allows the website to track the user’s activities on that site, such as referral and exit links, return visits, and other browsing details. This helps detect and prevent malicious online activity, such as fraud and security breaches. Cookies may also log user preferences and adjust website content to better align with the user’s desired experience.

Cookies can be permanent or temporary. Temporary or session cookies will automatically erase themselves after a user exits the website or browser. Permanent cookies remain indefinitely after the user has exited the website or browser. Your web browser’s settings should include options to manage and delete cookies.

Find additional resources about cookies and how to manage them at http://www.cookiecentral.com and https://youradchoices.com.

Pixel Tags and Web Beacons

Pixel tags and web beacons are just two of the many different names for the same tracking technique. These tags function much as cookies do; small image files are placed in the code of web pages and emails to monitor and record user activity. Data collected by these means tell taggers how to adjust and improve marketing geared toward user’s needs based on their online behavior. Information collected may include date and time stamps, referring and exit pages, platform usage, ISP, browser type, and preferences. Learn more about these beacons at https://www.webopedia.com/definitions/web-beacon/.

B. Privacy Management

We have established protocols for how we collect, store, use, and share your information. This includes providing mechanisms for you to manage information you have shared with us.

If you do not want us to collect, store, use, or share your NPII, close the Website browser window. If you believe we may have collected and stored some of your NPII, please contact us directly. To erase any tracking files such as cookies, tags, or beacons, access your browser settings to delete these files manually.

Other ways to opt of tracking include logging onto https://optout.networkadvertising.org/?c=1 and adjust your preferences to exclude certain or all third parties from storing, sharing, or otherwise using your information.

You may also find links in Marketers’ individual emails that allow you to unsubscribe from their mailing list(s).

The Do-Not-Track protocol has not yet been established, which means our security and privacy management functions in accordance with this Privacy Policy and the terms laid out in other legal documents on the Website regardless of any Do-Not-Track preferences, settings, or signals.

C. PII Security

In accordance with our privacy management protocols, we practice strict security and protection of your PII and your activity on the Website from any kind of unauthorized use. We use electronic and physical security measures to prevent loss, exploitation, fabrication, fraud, and other misuse of your information.

Our protocols include strict regulations regarding access to your information. We limit access in accordance with this Privacy Policy and the terms laid out in other legal documents on the Website. Access is also limited based on your consent and all applicable laws. Your information is never to be used publicly. Any PaydaySeek employees and other parties who have authorized access to your PII are obligated and liable to maintain its security in accordance with our privacy management protocols. These protocols include disciplinary actions for any non-compliance.

Any illegal activity, such as stolen or modified information, or security breach that is beyond our control cannot be our legal responsibility. It is not possible to guarantee that no one will ever find means to circumvent our security and illegally access your information. The only way to guarantee your information is protected from any type of security breach is to contact us directly and request that your information be expunged from our lists and databases. Our contracts with Marketers stipulate that they are responsible for protecting your information to an extent that is reasonably possible. Additionally, we verify Marketers’ security policies to ensure they include legal and reasonable protocols designed to eliminate the possibility of a security breach.

D. Information Provided by Children

Users must be 18 years old to legally access and use the Website or its services. When we receive information indicating a user may be under 18 years old, we immediately delete this information from our lists and servers. We do not voluntarily collect, store, use, or share any information from users under the age of 18. All of our protocols related to underage access and usage are in compliance with the Children’s Privacy Protection Act (“COPPA”).

E-consent

We comply with the Federal Electronic Signatures in Global and National Commerce Act, which states that users may give consent and electronically sign documents agreeing to provide and receive information and conduct business via electronic means. We allow this type of information sharing according to stipulations in this Privacy Policy and other legal documents that regulate the Website.

When you submit your information through the Website, you give your consent to directly receive information in electronic form from the Website, Marketers, and Lenders. Once you provide your consent, all electronic communication and documentation is considered legal, the same as if it were “in writing.”

PaydaySeek, Marketers, or Lenders may, at any time, discontinue electronic communication and documentation. Should this occur, you may receive prior notification directly or a notice may appear on the Website.

It is unnecessary to produce hard copies of electronic documents or records for any reason. These files are legitimate, legal evidence of agreements and obligations between parties, admissible in a court of law. Additionally, these files are to be managed in accordance with regulatory requirements and protocols as related to routine and scheduled destruction of information and documentation. These requirements may differ according to variance in local laws.

F. Links to Third Party Websites

PaydaySeek provides a service connecting users to Lenders and financial products and services. This includes providing exit links to third-party websites, such as the websites of Lenders and Marketers.

Clicking an exit link takes you to an external website that is not part of PaydaySeek and not subject to the protocols laid out in this Privacy Policy and other legal documents pertaining to the Website. These external websites have their own privacy policies and other regulating documents. We recommend reviewing an external website’s policies and legal disclaimers prior to sharing any information with that website.

G. Regulations in Different States

We follow all laws, codes, and regulations at every governmental level, including state governments. States regulate the use of user information differently; some require us to disclose exactly how and when we collect your information, how we store it, how we share it, and who we share it with. Accordingly, we provide you with contact information on the Website so you may directly request from us any and all details your state legally requires us to provide you. We have the right to deny information requests in the event that it is lawful to do so, such as when a user does not legally reside in a state without such regulations.

H. Modifications and Changes

PaydaySeek has the right to modify this Privacy Policy and other terms of use without prior notice. If we have to make any changes, we will post this information on the Website, including the effective date and document name. Any information we collect, store, use, or share will be subject to the version of the Privacy Policy in force when the information was initially collected.

All the same, we recommend users stay abreast of any revisions to the Privacy Policy and their dates of modification.

I. Questions, Inquiries, and Complaints

Any user who wishes to modify or have their PII withdrawn from PaydaySeek’s website, lists, and servers should contact the Website directly at [email protected] or using other contact details listed on the Website provided for the purposes of inquiry. To file complaints in regard to our operations, services, or protocols, please email [email protected] with the details pertinent to the complaint. We process all inquiries and complaints as soon as possible.