Privacy Policy

Welcome to the Payday Loans website located at www.payday-loan.org (the “Site,” “Payday-Loan.org,” “we,” “us”). We created this Privacy Statement and Policy (“Privacy Policy”) so that you are aware of how we gather information and how that information is used. We understand the importance that Internet users like yourself place on privacy, and we have designed our website with this in mind.

Information
Our Privacy Policy applies to end-users that access the Site, and/or register for, or purchase, the products and/or services offered by and through the Site. The types of personally identifiable information that we collect at the Site, during registration and when you make a purchase may include (without limitation) any and all of the following: your name, e-mail address, street address, telephone number (work & home), date of birth, credit card and bank information. Furthermore, we may request information about your use of (or interest in) the types of services and products offered by the 3rd party sellers with whom we have partnered to offer you the services and products available on this Site.

If you would like to opt-out from the disclosure of your personal information to any 3rd-party for marketing purposes, please email us and let us know. Please be advised that where residents of California opt-out from permitting their personal information to be shared, such individuals may possibly still receive selected offers directly from us, which is in accordance with the law.

IP Addresses
We often use your IP address to help diagnose any problems we may be having with our server, to administer our Site and to prevent internet fraud. Your IP address may also be used to gather broad demographic information, as well as to offer you targeted services & products.

Cookies
We often use cookies to deliver content specific to your particular interests. Cookies are simple text files that we place in your computer’s browser to store your specific preferences. Rest assured, cookies do not personally identify you in any way at all.

Contests and Surveys
On occasion, we run contests on our website. To participate in these contests we usually ask for personal information including (but not limited to) your name, street address, e-mail address, telephone number (work & home), date of birth and sometimes even your credit card information. We also sometimes conduct user surveys to help improve our website. Survey information will be used for the purposes of improving or monitoring our website, service and/or products and to help us identify 3rd party offers that might be of specific interest to you.

Sharing of Information
Payday Loans (Payday-Loan.org) uses the information described above to tailor our website content and help our advertisers, partners and 3rd party marketers better understand the demographic profile of our website’s users. This is necessary to keep the costs of our services and/or products reasonable. The personally identifiable information that you submit to Payday Loans (Payday-Loan.org) remains your personal property, but by submitting your information to Payday Loans (Payday-Loan.org) you grant Payday Loans (Payday-Loan.org) the right to use that information as set forth herein. It is not uncommon for us to use your personal information and/or transfer your personal information to other 3rd party businesses, subject to applicable state and federal law (for any legal purpose) including, without limitation to: (a) bring selected retail opportunities and promotional offers to you via e-mail marketing, direct mail marketing, telemarketing and/or online banner advertising; (b) when necessary, to receive a service or product that you may have ordered from such 3rd party while using our website or when responding to offers provided by Payday Loans (Payday-Loan.org); (c) tracking compliance with our Payday Loans (Payday-Loan.org) Website Terms and Conditions (Terms and Conditions); and (d) for suppression, validation, content improvement and/or feedback purposes. Such 3rd party businesses may include providers of direct marketing applications and services, including data enhancement, look up and reference, suppression and validation and e-mail marketing. We, or these 3rd party businesses, might from time to time, supplement the information we collect online with outside records (i.e., information from such 3rd party businesses or other business entities) to enhance our ability to serve you, to tailor our website content to you and to offer you very targeted advertising and other opportunities to purchase services or products that we believe may be of specific interest to you. By permitting Payday Loans (Payday-Loan.org) to collect this information, you will be able to receive free information on services and products that might be of specific interest to you. We also use contact information collected from our website to send you information about us, to keep you informed of services and products that might be of interest to you, as well as to service your account with us should you place an online order. Furthermore, you agree that we may contact you with updates and/or any other information that we may deem appropriate for you to receive in connection with your account and/or our website.

We may also use this information to personalize your experience with Payday Loans (Payday-Loan.org). Contact information is also used to contact you when necessary, regarding the use of our website, services and/or products.

By submitting your e-mail address on our website, you agree to receive e-mail marketing from Payday Loans (Payday-Loan.org) and our 3rd party advertisers. Payday Loans (Payday-Loan.org) and our 3rd party advertisers / partners, may maintain separate e-mail lists for different marketing purposes. If you wish to end your e-mail subscription to a particular list, you must follow the instructions contained in each e-mail correspondence that you receive from Payday Loans (Payday-Loan.org) or the applicable 3rd party advertiser / partner to unsubscribe from that particular e-mail list. To unsubscribe from all Payday Loans (Payday-Loan.org) e-mail lists, please email us or send a letter to Payday Loans, 5007 Southpark Dr, Suite 200, Durham, NC 27713. Please be aware that we only send e-mail marketing to individuals that have agreed to receive e-mail from Payday Loans (Payday-Loan.org) and to individuals that have otherwise agreed (on 3rd party websites) to receive e-mail marketing from other companies, such as Payday Loans (Payday-Loan.org).

Payday Loans (Payday-Loan.org) does NOT send unsolicited commercial e-mail. As a result, certain statutes requiring particular formatting for unsolicited commercial e-mail may not be applicable to the commercial e-mail that is sent by Payday Loans (Payday-Loan.org). Notwithstanding the foregoing, we will not send you any e-mail marketing, or allow any 3rd party to send you e-mail marketing, from which you cannot unsubscribe. That would just be completely unethical and illegal.

You can choose to stop receiving future communications regarding services and products we might offer to you (see the “Opt-Out/Unsubscribe” section below), however we may be required to contact you thereafter regarding any purchase or order that you may make while on our website.

Furthermore, you agree that by submitting your e-mail address on our website and/or registering for the services and/or products offered herein, such act constitutes a purchase, an inquiry and/or an application for purposes of the Amended Telemarketing Sales Rule, 16 CFR ’310 et seq. (the ATSR) and any applicable state and local do-not-call regulations. Notwithstanding that your telephone number may be listed on the Federal Trade Commission’s Do-Not-Call List, or an applicable state do-not-call list, Payday Loans (Payday-Loan.org) retains the right to contact you via telemarketing in accordance with the ATSR and the applicable state regulations. Furthermore, by registering with (or requesting information from) a 3rd party advertiser at or through our website, such action shall constitute a purchase, an inquiry and/or an application with the respective 3rd party advertiser for purposes of the ATSR and any applicable state and local do-not-call regulations and you may be contacted via e-mail, direct mail and/or telemarketing by such 3rd party advertiser in accordance with the ATSR and the applicable state regulations.

Payday Loans (Payday-Loan.org) does not control (and is not responsible for) the practices of our advertisers, partners or 3rd party marketers.

We will absolutely NEVER disclose any credit card or other financial information to any non-governmental entity or any other 3rd party marketers. Notwithstanding the foregoing, we may: (a) share the fact that we have credit card and bank account information on file for specific users of our website, but we will not share your specific credit card or bank account information with such 3rd parties without your prior informed consent; (b) share your credit card or bank account information with consumer credit agencies; and (c) disclose your credit card or bank account information and/or financial information to 3rd party processors for the sole purpose of effectuating transactions that you enter into on our website. We may also disclose your personally identifiable and/or financial information: (a) to a governmental entity if so ordered by a court of law, in order to comply completely with local, state and federal laws (b) where otherwise required by law or in the good-faith belief that such action is 100% necessary in order to conform to the edicts of the law or comply with a legal process served on our website; or (c) if we are sold or acquired by another company.

If payment is made for any of our services and/or products by check, and such payment is subsequently dishonored by the bank from where the check is drawn, Payday Loans (Payday-Loan.org) reserves the right to resubmit the payment electronically either directly or through a 3rd party payment and/or collection service. You agree that you are 100% responsible for any and all fees pertaining to a returned payment, regardless of the reason. The Returned Check Fee is currently US$25.00 for each occurrence, and will be added to your account. Please be aware that any order not paid due to returned payments after a reasonable period of time will be considered fraudulent and will be turned over either for subsequent prosecution an/or collection.

Site as an Agent
Please be aware that in certain circumstances, we act as a limited agent for certain 3rd party partners, including the actual 3rd party provider of some of the services and/or products available at or through our website. In these specific circumstances we will collect and send your personal information to the respective 3rd party partner directly and you will be subject to the 3rd party partners privacy policy.

Other Websites
This website, and/or the services and/or products offered herein, may contain links to other websites. Payday Loans (Payday-Loan.org) does not endorse, nor are we responsible for the privacy practices or the content of such websites. The entities that advertise and/or place links on our website including, but not limited to, these websites, are 100% independent 3rd parties and are not affiliated with us in any way. Additionally, certain components of our services and/or products may be provided by partners. In these specific circumstances: (a) you will be redirected to the applicable 3rd party partner’s website after you have completed the applicable application page; (b) either we will collect and send your personal information to the 3rd party partner, or such 3rd party partner will itself collect your personal information, in connection with completing your purchase from such 3rd party partner; and (c) your purchase will subject you to such 3rd party partner’s privacy policy.

3rd Party Offers
Payday Loans (Payday-Loan.org) provides its’ website users with the opportunity to receive special products, service and/or offers from us and other 3rd parties. By providing your personal information to us during any of the Payday Loans (Payday-Loan.org) information collection processes, you are providing affirmative consent to receive specific offers that we feel may be of specific interest to you from 3rd parties. Furthermore, if you indicate the desire to receive certain products, services or offers from a specific 3rd party vendor during the applicable information collection process, your personally identifiable information that was provided during that Payday Loans (Payday-Loan.org) information collection process will be shared with the applicable 3rd party so that such 3rd party may provide their service or product to you and so that you do not have to complete another information collection form to receive or purchase that service or product.

Website Security
All collected information is stored in a very technically and physically secure environment. When our application/registration process prompts website users to enter sensitive information (such as credit card or bank information), and when we store and transmit such sensitive personal information, that information is encrypted and is protected with SSL encryption software. While we use SSL encryption to protect sensitive information online, we also do absolutely everything in our power to protect user information off-line. Unfortunately, no data transmission over the Internet can be absolutely guaranteed to be 100% secure. Because of this, while we strive to protect your personal information, we simply cannot ensure or warrant the security of any and all information that you transmit to us, and you do so at your own risk. Once we receive your transmission, we make all the reasonable efforts to ensure its security on our systems. All of our users’ information (not just the sensitive information mentioned above) is restricted in our offices. Only employees who absolutely need the information to perform a specific job are granted access to your personal information. Furthermore, access to this information is strictly limited, and not accessible to the public at all. Our employees are dedicated to ensuring the privacy and security of all user information. Employees not adhering to our strict policies are subject to disciplinary action and may be fired.

Please be aware that any attempt to breach the security of our servers, databases, the network or other hardware / software supporting this website or other websites under the control of Payday Loans (Payday-Loan.org) constitutes a crime punishable by law. We will turn over to authorities, any and all evidence relating to a potential breach of security or other abuse against our servers, databases, network or other such supporting software / equipment. In compliance with applicable federal and state laws, we shall notify you in the event that we learn of an information security breach with respect to the personal information you supply to us. You will be quickly notified via e-mail in the event of such a security breach. Please be aware that notice may be delayed in order to address the needs of law enforcement, determine the scope of network damage, and to engage in all the necessary remedial measures.

Children’s Guidelines
We take special steps to safeguard the privacy of any and all children. It’s very important for children to get permission from their parents before accessing or supplying any personal information to Payday Loans (Payday-Loan.org). We will never knowingly collect personally identifiable information from people under 18 years of age. If you feel your child has supplied such information to us, please contact us and ask us to delete it immediately.

Unsubscribe / Opt-Out
To stop receiving future communications from us (such as email and snail mail), please contact us via email or send us a letter to 5007 Southpark Dr, Suite 200, Durham, NC 27713.

Privacy Policy Changes
Payday Loans (Payday-Loan.org) reserves the right to update or change this privacy policy at any time by posting a notice on our website that we are changing our privacy policy. If the manner in which we use personally identifiable information changes, Payday Loans (Payday-Loan.org) will notify you by: (a) posting the changes as a start-up screen prior to your subsequent use of the services and/or products offered herein; (b) sending the modified policy to the users via email or snail mail; (c) placing a link to the modified privacy policy on the Payday Loans (Payday-Loan.org) home page; or (d) by any other reasonable means acceptable under applicable state and federal law. You will of course have a choice as to whether or not we use your information in this different manner. At any time that you do not agree with the privacy policy changes, you must opt-out from receiving future communications (such as email) from us (see the “Unsubscribe / Opt-Out” section above). Failure to opt-out after notice of any such changes constitutes an acceptance and affirmative acknowledgement by you of the modified Privacy Policy.

Contacting Us
Our Contact Us page contains email links that allow you to contact us directly with any comments or questions that you might have. We read every email sent to us and try to reply promptly to each one. This information is used to respond directly to your comments or questions. If you have any additional questions about this Privacy Policy or the practices of Payday Loans (Payday-Loan.org), please feel free to contact us at:

Customer Support
Payday Loans
5007 Southpark Dr, Suite 200
Durham, NC 27713

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