Effective Date: 2/1/20121. Introduction
payday411.com reserves the right to change any of the terms and conditions contained in this Agreement or any policies or guidelines governing the Site or Services, at any time and in its sole and independent discretion. Any changes will be effective upon the posting of the revisions on the Site. You are responsible for reviewing the notice and any applicable changes. Changes to referenced policies and guidelines may be posted without notice to you. Your continued use of the Site and the Services following payday411.com's posting of any changes will constitute your acceptance of such changes or modifications. If you do not agree to any changes to this Agreement, do not continue to use the Services or the Site.
A primary purpose of collecting information from you is to provide you with a safe, smooth, effective, and personalized experience. We will only collect information about you that we consider necessary.
Generally, the Site collects information in several ways. Some information is gathered if you fill out the form provided. This information includes your name, email address and whether you wish to join our mailing list. Additionally, we save browsing and data log information linked to your usage of the Site.
Data collection devices, "cookies" (including without limitation "confirmation pixels" for crediting affiliate marketers and/or for other purposes) are used to store, and sometimes track, information about you. Generally, cookies help provide personalized services and promote trust and safety. A cookie is a small file containing a small amount of data that is sent to your browser from a web server and placed on your computer's hard drive to assist us in providing our services. All pages on the Site where you are prompted to login or that are customizable may require that you accept cookies. Our cookies are only read by the server that placed them and are unable to execute any code or virus.
The Site uses your information to provide you with email newsletters and access to services you request. We also may use your personal information to resolve disputes, troubleshoot problems, respond to your inquiries, detect and protect against error, fraud, or other criminal activity, enforce our User Agreement, and for any other purposes that we deem appropriate.
When you are using the Site and are asked for personal information, you are sharing that information with payday411.com. You acknowledge that data can be collected, maintained by, or transferred to a company, or other entity, including, but not limited to, lenders, within the sole judgment of payday411.com. You also acknowledge and agree that the data can be combined and/or refined and/or used in any other matter with data from any of the websites owned and/or operated, in whole or in part, by payday411.com.
Please be advised that payday411.com advertisers or websites that have links on the Site may collect personally identifiable information about you. The information practices of those websites linked to the Site are not covered by this Policy.
The Site will not disclose your personally identifiable information except as described below:
Some of our employees and contractors are subject to non-disclosure agreements with us.
We cannot ensure that all of your private communications and other personal information will never be disclosed in ways not otherwise described in this Policy. For example, we may be forced to disclose information to the government or third parties under certain circumstances, third parties may unlawfully intercept or access transmissions or private communications, or users may abuse or misuse your personal information that they unlawfully collect from the Site. We will try to protect your privacy, however, we do not promise, and you should not expect, that your personal information or private communications will always remain private.
We may contact you if you use the services provided by the Site or if you contact us directly by direct mail or email. We will also contact you regarding any problems with your account and for website misuse.
We may also contact you regarding our services, such as new features regarding our website or other updates. We may contact you about "special offers" from our partners. We may also contact you to provide advanced notice with regard to FACTA provisions. Simply unsubscribe if you do not wish to receive optional communications.
Recognizing the global nature of the Internet, you agree to comply with all applicable local laws and rules regarding online conduct and privacy, as well as content. Specifically, but not as a limitation, you agree to comply with all applicable laws regarding transmission of technical and personal data exported from the United States or the country in which you reside.
We do not tolerate spam. You are not licensed to add us to your mail (email or physical mail) list. Additionally, you are not licensed to add any user to your mail (email or physical mail) list without his or her affirmative consent. You are not licensed to use spam in promoting the Site.
Whenever the Site handles your personal information, we take steps to ensure that your information is treated securely and in accordance with the relevant User Agreement and this Policy. Your information is stored on our servers located in the United States. We use procedural and mechanical safeguards to protect your personal information against loss or theft as well as unauthorized access and disclosure to protect your privacy, including encryption. Unfortunately, however, no data transmission over the Internet can be guaranteed to be 100% secure. We cannot, therefore, warrant or ensure the security if any information you transmit to us or from our online products or services, and you do so at your own risk. Once we receive your transmission, we make our best effort to ensure its security on our systems.
This Policy and the relevant User Agreement are the sole authorized statements of payday411.com's practices with respect to the online collection of personally identifiable information and the usage of such information. Any summaries of this Policy generated by third party software or otherwise shall have no legal effect, are in no way binding upon payday411.com, shall not be relied upon in substitute for this Policy, and neither supersede nor modify this Policy.
payday411.com reserves the right to transfer any and all information that we collect from visitors, or that we otherwise collect concerning or in connection with the Site, to a third party in the event of a sale or other transfer of assets or of any portion of our business. Ultimately, you are solely responsible for maintaining the secrecy of your account information. Please be careful and responsible.