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Privacy Policy: 90 Day Loan has a strong commitment to our customer's privacy. This is why we disclose our privacy policy to you in order for you to understand our transparency and practices in regards to your privacy. |
This Privacy Policy (“Policy”) applies to the 90-Day-Loan.com web site. It tells users (“you” or “applicant”) of the web site and the services provided therein about the information collected by 90-Day-Loan.com and how 90-Day-Loan.com uses and shares this information. The 90-Day-Loan.com web site is operated by Cyberwire LLC. All references below to 90-Day-Loan.com or “we” include Cyberwire LLC.
Types of
Information We Collect
90-Day-Loan.com collects both “personally identifiable information”
and “non-personally identifiable information” from or about users.
Personally
Identifiable Information
90-Day-Loan.com collects several types of information that may identify a particular
individual (“personally identifiable information”). We collect personally
identifiable information when you provide it to us through your use of the site,
such as by completing one or more stages of an application form to apply for
a loan from a lender participating in our lender network (“participating
lenders”) or by sending questions to us via the web site. The types of
personally identifiable information we collect include: name, physical address,
telephone number, social security number, email address, date of birth, driver’s
license number and state, information about home ownership, citizenship status,
employment information, active military information, amount and frequency of
pay checks, and information about your banking account.
Non-Personally
Identifiable Information
Non-personally identifiable information is anonymous information that cannot
be associated with a specific individual. The types of non-personally identifiable
information that we collect (either directly, through the use of “cookies,”
or through the use of a third party tracking system) include: the IP address
of the computer making the request; your browser type and language; access times;
information about areas of the site visited by users of the site; information
about the links that users may select to visit on the site. IP addresses are
not usually associated with your personal computer, but with a portal through
which you accessed the Internet. IP addresses are not linked to personally identifiable
information. A “cookie” is a piece of information a web site sends
to your computer while you are viewing the web site to remember who you are
without personally identifying you.
90-Day-Loan.com may share this non-personally identifiable information only in summary form with its suppliers and other third parties for the purpose of web site statistical and trend analysis. This information is not linked to any personally identifiable information that can identify an individual person.
Information
Collected by Third Parties
We may allow third parties, including advertising partners and payday loan lenders,
to display advertisements on our site. These companies may use tracking technologies,
including cookies, to collect information about users of our site who view or
interact with these advertisements. 90-Day-Loan.com does not provide personally
identifiable information to these third parties.
How We Use
Personally-Identifiable Information
We use the personally-identifiable information you provide to us through this
site in order to deliver the products or services you have requested; provide
you with customer support; verify or review your application information to
determine whether it meets eligibility requirements for participating lenders;
communicate with you by email, postal mail, telephone, and/or mobile devices
about products or services that may be of interest to you either from us, our
marketing partners, or other third parties; display advertising tailored to
your interests or background; perform data and statistical analysis on use of
the web site; enforce our terms and conditions, and perform any other functions
otherwise described to you at the time we collect the information.
We may review and use your financial information and your social security number to match you with participating lenders in our loan network or other third party lenders with whom we have a business relationship. We may also review your financial information and social security number to verify your identify and protect against possible fraudulent transaction.
Sharing Your
Personally Identifiable Information
90-Day-Loan.com may share your personally-identifiable information (including,
without limitation, your financial account information and social security number)
with lenders participating in our lender network and other third party lenders
with whom we have a business relationship. These third party lenders may use
your personally-identifiable information to offer you a payday loan or to communicate
with you about other business or marketing offers. In addition, we may share
your personally identifiable information (not including your financial account
information and social security number) with unaffiliated third party marketers
and list managers with whom we have a business relationship. Any third parties
with whom we share personally-identifiable information may have their own policies
which describe how they use and disclose your information. Those policies will
govern the use, handling, and disclosure of your information once we have transferred
or shared it with those third parties as described in this Policy or our Terms
and Conditions.
Information Disclosure Continued
90-Day-Loan.com will disclose your personally-identifiable information
in response to a subpoena or similar investigative demand, a court order, or
a request for cooperation from a law enforcement agency or other government
agency; to establish or exercise our legal rights; to defend against legal claims;
or as otherwise required by law. We will disclose your personally-identifiable
information when we believe disclosure is necessary to investigate, prevent,
or take action regarding illegal activity, suspected fraud or other wrongdoing;
to protect and defend the rights, property, or safety of our company, our employees,
our web site users, or others; or to enforce our website terms and conditions
or other agreements or policies. In addition, in the event that all or substantially
all of 90-Day-Loan.com’s stock and/or assets are transferred or sold to
another entity, 90-Day-Loan.com may transfer personally-identifiable information
to the acquiring entity.
Links to
Third Party Web Sites
We may provide links or automatically redirect you to third party web sites
that do not operate under this Policy. For example, if you click on an advertisement
presented on our site, you may be taken to a web site that 90-Day-Loan.com does
not operate or control. You should review the privacy statements and terms of
use of all third party web sites you access. These third party web sites may
independently solicit and collect information from you. On occasion, those third
party web sites may provide us with information about your use of those sites.
90-Day-Loan.com
Privacy Changes
90-Day-Loan.com’s policies, content, information, promotions, disclosures,
disclaimers and features may be revised, modified, updated, and/or supplemented
at any time and without prior notice at the sole and absolute discretion of
90-Day-Loan.com. Changes to this Policy will be posted on the 90-Day-Loan.com
web site and we will revised the “last updated” date at the top
of this policy. You should review this Policy each time you access the web site.
If we make any material changes in the way we collect, use, and/or share personal
information that may impact you, we will notify you by sending an email to the
email address you most recently provided to (unless we do not have an email
address for you) and/or by prominently posting notice of the changes on this
web site.
Children’s
Privacy
Our web site is not intended for use by children under the age of 13. We do
not knowingly collect personally-identifiable information from children under
the age of 13.
Security
90-Day-Loan.com has put in place physical, procedural, and technological security
measures to help prevent unauthorized access to and improper use of the information
we collect online. For example, only authorized employees and authorized third
parties are permitted to access personally-identifiable information, and they
may do so only for permitted business functions. No web site or Internet network
can be completely secure. Although we take steps to secure your information,
we do not guarantee, and you should not expect, that your personal information,
searches, or other communications will always remain secure.
Accessing Your Personally-Identifiable
Information
If you would like to review and/or request changes to the personally identifiable
information that we have collected about you through your use of the 90-Day-Loan.com
web site, please contact us by writing or sending email to the addresses below.
Contact
Us
If you have questions, comments, or concerns regarding our Privacy Statement,
please write to us or send us email by clicking here.
