Privacy Policy

Effective Date: 2/12/2025

This Privacy Policy outlines how PaydayLoans-Vancouver-WA.com (hereinafter “PaydayLoans-Vancouver-WA”, “the Website”, “us”, “we”, “our”, or “ours”) gathers, retains, shares, and uses the information you provide. This document represents our formal commitment to protect and secure all data you supply.

If you have already shared your information with us and would like us to remove any of your personal details from our records (i.e., any data associated with PaydayLoans-Vancouver-WA that we control), please contact us directly using the contact information available on PaydayLoans-Vancouver-WA.com.

PaydayLoans-Vancouver-WA fully complies with all federal, state, and local laws within the United States (“USA”). By voluntarily providing your information on our Website, you confirm that you are a legal resident of the USA and are 18 years of age or older. Your registration and submission imply that you understand and agree to the provisions of this Privacy Policy and our Terms and Conditions of Use, and that your data will be handled in accordance with these documents.

We strongly encourage you to review these documents carefully before submitting any information. If you do not understand or agree with any part of the Terms and Conditions of Use or this Privacy Policy, please refrain from providing your data or registering with PaydayLoans-Vancouver-WA. To indicate your disapproval of these terms, simply do not use our services and close any browser windows in which the Website is open.

A. Personally and Non-Personally Identifiable Information

When you register with PaydayLoans-Vancouver-WA and use our services, you are required to submit personally identifiable information (“PII”) through the online form on our Website. This Privacy Policy explains how we collect, store, use, and share your PII. This may include details such as your first and last names, home address, email address, telephone number, date of birth, employment information, state-issued ID number, social security number (“SSN”), and banking information.

We only collect the PII necessary to provide the services you request through our Website. If you decide to stop using our services, please do not submit your PII. Your SSN and banking details are used solely to identify and match you with third-party lenders in our network (“Lenders”); rest assured, this sensitive information will never be shared with Lenders, marketers, or any other third parties unless required by law or by a formal order from authorized entities such as law enforcement or regulatory bodies.

Additionally, we gather non-personally identifiable information (“NPII”) that becomes available through your use of the Website. This NPII may include data such as your Internet Protocol (“IP”) address, browser information, date and time of access, details about your Internet service provider (“ISP”), referring and exit pages, operating system, and other related data. We may share this NPII with our contracted third parties unless you (i) utilize tools like proxy servers to hide your NPII or (ii) explicitly request that we cease using your NPII.

a. Use of Your PII

Your PII is collected, stored, used, and shared in accordance with this Privacy Policy. We protect your data with encryption and other reasonable security measures, and we only collect your information when you voluntarily register on our Website. By submitting your PII, you consent to its use for the following purposes: (i) protecting you from fraud; (ii) matching you with Lenders; (iii) providing you with information about Lenders; and (iv) sending you marketing materials for financial products and services in which you have expressed interest.

We may also share certain less-sensitive elements of your PII (excluding your SSN, banking details, and other sensitive information such as state-issued ID numbers) with third-party technical support providers. Our contracts with these providers require that your data be kept secure, and they are held accountable for any security breaches. At no time are these third-party providers permitted to distribute or share your PII beyond the scope of our agreement.

If law enforcement or regulatory agencies require disclosure of any portion of your PII, we will comply only if it is legally mandated or if it is necessary and lawful to (1) prevent crime; (2) protect national security; (3) ensure personal or public safety; (4) safeguard our affiliates; or (5) protect ourselves and our assets.

A Lender may share your PII with credit bureaus or consumer reporting agencies only if you have given prior consent (i.e., consumer reporting authorization). Any legal agreement between you and a Lender will govern this process. Since we do not oversee these activities, we cannot include any conditions regarding this sharing in our Privacy Policy.

In the event that PaydayLoans-Vancouver-WA is acquired, merged, or consolidated with another company, your PII may be transferred to the new owner. You might be notified of such a change through the contact details you have provided or via a notice posted on our Website. Similarly, if a company outside the USA acquires us, the Website could become subject to a different set of laws. Should your PII be transferred, authorized representatives of the new entity may legally dispose of, sell, or otherwise transfer your data.

b. Third Party Marketing

We may share some of your less-sensitive PII (excluding SSN, banking information, and other highly sensitive details such as state-issued ID numbers) with select Marketers, advertisers, and lenders. These parties may use your data to contact you with marketing materials regarding products and services in which you indicated interest. They might also share this information with other third-party marketers (“Marketers”) who could similarly reach out to you.

If you wish to stop receiving such communications, you must contact the Marketers directly and ask them to remove your PII from their systems. Many third parties provide an unsubscribe link, online form, or contact email to facilitate this process. Such communications may include emails, direct mail, telemarketing calls, text messages, and other forms of outreach.

Some Marketers may use your information to monitor your online activities, collect behavioral data, and analyze your browsing habits in order to tailor their marketing efforts to your interests. These practices are governed by each Marketer’s own privacy policies and applicable laws, over which we have no control. Therefore, if you wish to cease such marketing activities or have your data removed from a Marketer’s records, you must contact them directly.

Your continued use of the PaydayLoans-Vancouver-WA website and services confirms your understanding of and agreement with the terms outlined in this Privacy Policy, our Terms and Conditions, and any other legal documents governing the use of your information, including how Lenders and Marketers may use your PII.

To stop using the PaydayLoans-Vancouver-WA website and to discontinue receiving further communications from us, please close all pages of the Website and refrain from sharing any additional PII. If you have already submitted your data, you may contact us directly at [email protected] to request that your information be removed from our databases and servers. We will process your request as promptly as possible and ensure that your information is not transferred to any third party.

Please note that any PII already shared with third parties is outside our control, and we cannot be held responsible for how these parties manage your data. You will need to contact those third parties directly to have your information removed from their systems.

c. Credit Implications of Using Your PII

Lenders utilize your PII to verify your identity and cross-reference it with national databases. Prior to approving a loan, they may also perform a credit verification to assess the risk of extending credit to you. This process involves using your PII to request credit reports or verification from one or more credit bureaus or other official agencies, which may have an impact on your credit score.

By continuing to use the PaydayLoans-Vancouver-WA website and services, you acknowledge your understanding of these terms and consent to have your credit score verified by Lenders in accordance with all applicable legal documents and agreements.

d. Email and Telemarketing

Your acceptance of our Terms and Conditions and this Privacy Policy confirms that you authorize legally approved Lenders and Marketers to use your PII for marketing and advertising purposes, including email campaigns and telemarketing.

Lenders and Marketers may contact you directly or indirectly through various channels, including telephone calls, telemarketing, or product and service offers made via the phone number you provided during registration—even if that number is on a Do-Not-Call or Do-Not-Contact list. This practice complies with the Amended Telemarketing Sales Rule, 16 CFR §310 et seq. (“ATSR”) as enforced by the Federal Trade Commission (“FTC”), which allows telemarketing when you have given your consent. Your request to use our services is considered an intent to purchase under the ATSR, thereby authorizing the Website, Lenders, and Marketers to use your PII for telemarketing.

By agreeing to this Privacy Policy and the other legal documents on our Website, you confirm that you are at least 18 years old and legally entitled to access and use the Website, thereby affirming your consent to these terms.

You also acknowledge that you understand the potential liabilities and charges that may be associated with your participation in any telemarketing campaign.

Please note that your service provider may also collect your PII under its own legal agreements and regulatory requirements. Such activities are beyond our control and are not governed by the Website.

e. Methods for Collecting Non-Personally Identifiable Information

PaydayLoans-Vancouver-WA, along with our partner Marketers and Lenders, may collect non-personally identifiable information (“NPII”) such as your geographical location, IP address, ISP details, operating system, browsing history, online behavior, and language preferences. This data is gathered through methods including cookies, web beacons, server and browser logs, and analytic tools—all intended to customize our services to better suit your needs.

Cookies

Cookies are small files placed on your device by a website or its host to help identify you. They allow the site to track your activities—such as referral and exit links, return visits, and other browsing details—which can be useful in detecting and preventing malicious activities like fraud or security breaches. Cookies may also record your preferences to tailor the website’s content to your needs.

Cookies can be either temporary or permanent. Temporary (or session) cookies are deleted once you close your browser or exit the website, while permanent cookies remain on your device until manually deleted. You can manage and delete cookies via your browser settings.

For more information on cookies and how to manage them, please visit http://www.cookiecentral.com and https://youradchoices.com.

Pixel Tags and Web Beacons

Pixel tags and web beacons—terms often used interchangeably—are tracking methods similar to cookies. These small image files are embedded in the code of web pages and emails to monitor and record user activity. The data collected, which may include timestamps, referring and exit pages, platform usage, ISP details, browser type, and user preferences, helps marketers refine their strategies based on your online behavior. For further details, visit https://www.webopedia.com/definitions/web-beacon/.

B. Managing Your Privacy

We have implemented strict protocols for the collection, storage, use, and sharing of your information, including measures that allow you to manage the data you have provided.

If you prefer that we do not collect, store, use, or share your NPII, please close your browser window immediately. If you believe we have already gathered some of your NPII, contact us directly. To delete any tracking files such as cookies, pixel tags, or web beacons, use your browser’s settings to remove them manually.

You can also opt out of tracking by visiting https://optout.networkadvertising.org/?c=1 and adjusting your preferences to prevent certain or all third parties from collecting, sharing, or using your information.

Additionally, many Marketers include unsubscribe links in their emails, allowing you to opt out of their mailing lists.

Because a formal Do-Not-Track protocol has not been established, our privacy and security practices will continue to operate as described in this Privacy Policy and our other legal documents, regardless of any Do-Not-Track signals or settings.

C. Security of Your PII

In line with our privacy management protocols, we employ robust security measures to protect your PII and your activity on the Website from any unauthorized access or misuse. We use both electronic and physical safeguards to prevent loss, exploitation, fraud, and any other form of data misuse.

Our procedures enforce strict controls on access to your information, in accordance with this Privacy Policy and other legal agreements on the Website. Access is granted only with your consent and in compliance with applicable laws, and your information is never used for public purposes. All PaydayLoans-Vancouver-WA employees and authorized parties are required to uphold these security standards, with disciplinary actions in place for any non-compliance.

While we take extensive measures to protect your data, we cannot be held legally responsible for any illegal activities—such as data theft, modification, or security breaches—that occur beyond our control. It is impossible to guarantee complete security; therefore, if you wish to ensure that your information is entirely removed, please contact us to request its deletion from our systems. Our contracts with Marketers also require them to protect your information to the best of their ability, and we regularly review their security policies to ensure they meet legal standards aimed at minimizing risks.

D. Data Submitted by Minors

Users must be at least 18 years old to legally access and use the Website and its services. If we receive any indication that a user is under 18, we immediately delete that information from our records. We do not intentionally collect, store, use, or share any information from minors. All of our practices regarding underage access comply with the Children’s Privacy Protection Act (“COPPA”).

E-consent

We adhere to the Federal Electronic Signatures in Global and National Commerce Act, which allows users to provide consent and electronically sign documents to exchange information and conduct business. This form of data sharing is permitted under the terms of this Privacy Policy and our other legal documents governing the Website.

By submitting your information through the Website, you consent to receive electronic communications from us, Marketers, and Lenders. Once consent is given, all electronic communications and records are legally equivalent to written documents.

PaydayLoans-Vancouver-WA, Marketers, or Lenders may, at any time, discontinue electronic communications. If this occurs, you will be notified in advance or via a notice on the Website.

There is no need to produce physical copies of electronic documents, as these records serve as valid legal evidence of agreements and obligations between the parties and are admissible in court. These files will be maintained and disposed of in accordance with applicable regulatory requirements and retention policies, which may vary by jurisdiction.

F. External Links to Third-Party Websites

PaydayLoans-Vancouver-WA offers a service that connects users with Lenders and various financial products and services. This includes providing exit links to third-party websites, such as those operated by Lenders and Marketers.

When you click an exit link, you will be directed to an external website that is not part of PaydayLoans-Vancouver-WA and is not governed by the protocols outlined in this Privacy Policy or other legal documents on the Website. These external sites maintain their own privacy policies and legal disclaimers, so we recommend reviewing their terms before sharing any personal information.

G. State-Specific Regulations

We comply with all applicable laws, codes, and regulations at every level of government, including state authorities. Since states may have different requirements regarding the collection, storage, and sharing of user information, we provide contact details on our Website so that you can request any information mandated by your state. We reserve the right to deny such requests when legally justified, such as if you do not reside in a state with these regulations.

H. Amendments and Updates

PaydayLoans-Vancouver-WA reserves the right to modify this Privacy Policy and other terms of use without prior notice. Any changes will be posted on the Website along with the effective date and document title. Data collected, stored, used, or shared will be governed by the version of the Privacy Policy in effect at the time of collection.

Nevertheless, we encourage you to review any updates to this Privacy Policy and take note of their effective dates.

I. Questions, Inquiries, and Complaints

If you wish to update or remove your PII from the PaydayLoans-Vancouver-WA website, mailing lists, or servers, please contact us directly at [email protected] or use the other contact details provided on our Website. For any complaints regarding our operations, services, or practices, please email [email protected] with all relevant details. We will address all inquiries and complaints as promptly as possible.