Our Privacy Policy

At USA PayDay Lenders 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 USA PayDay Lenders, or if you are a current or former customer. This Privacy Policy is effective as of October 19, 2007.

PROTECTING THE PRIVACY OF CUSTOMER INFORMATION
We are committed to protecting your privacy and to implementing technology that gives you the most powerful and secure online experience. We maintain physical, electronic, and procedural safeguards that comply with federal standards 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 ensure that your information is secure. We are constantly evaluating new advances in security technology and techniques to provide the best possible 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.

INFORMATION WE COLLECT ABOUT YOU
We collect "nonpublic personal information" about you from several sources:

• Information you provide through on-line forms, registration forms, surveys, and or other entries, such as your name, address, drivers' license number or other government issued photo ID, social security number, email addresses, assets and income;
• Non-personally identifiable information such as, web page http headers (home server domain names, IP address, type of client computer, and type of Web browser);
• Information, user specific or aggregate, on what pages our visitors access;
• The e-mail addresses of visitors that communicate with us via e-mails;
• Information about your transactions with us, our affiliates or others, such as payment history and loan balances; and
• Information we receive from third parties, such as consumer reporting agencies and other lenders, regarding creditworthiness and credit history.

HOW WE USE INFORMATION WE COLLECT
The information we collect about you is primarily used to provide services to you and contact you regarding administrative notices. We may also use your information to resolve disputes, troubleshoot problems, and enforce our agreements with you, including our Terms and Conditions, Application Agreement, Loan Agreement, and this Privacy Policy.

We may therefore 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.

PARTIES TO WHOM WE DISCLOSE
We reserve the right to share, rent, sell, or otherwise disclose data we collect to our affiliates, as well as to 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 carefully 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.
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.
• Information we share with Financial Institutions:
  We may disclose information we collect to financial institutions with which we have a marketing and servicing agreement such as banks and our affiliates.

CONTACT PREFERENCES
You can express a preference for receiving telephone and email contacts from USA PayDay Lenders. Specifically, we may send you emails regarding our service from time to time or call to remind you about upcoming payments. If you do not wish to receive these emails or phone calls, you may contact USA PayDay Lenders Customer Service at (866) 437-6391 to change your contact preferences. By electing to opt-out of receiving contacts by telephone, mail, or email, you will not receive updates on new product information or special offers.

Notwithstanding the above, we may send out periodic emails informing you of technical service 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.

In addition, 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 and/or your loan.

ACCURACY OF YOUR ACCOUNT INFORMATION
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.

CHANGES TO THIS PRIVACY POLICY
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.

ADDITIONAL SECURITY PRECAUTIONS
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.

"COOKIE" POLICY
To ensure we are publishing content customers need and want www.USA PayDay Lenders.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.USA PayDay Lenders.com web site, you will not be able to subscribe to the service offerings on the site.

CHILDREN AND THE INTERNET
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.

WHO DO YOU CONTACT WITH QUESTIONS?
If you have any questions about this Privacy Policy or the practices of this web site, by sending us an e-mail at: support@usapaydaylenders.com.