Privacy
Policy:
This Privacy Policy (“Policy”) applies
to the 90 Day Loan 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 and how 90
Day Loan uses and shares this information. The 90 Day Loan web site
is operated by Cyberwire a Limited Liability Company. All references
below to 90 Day Loan or “we” Include 90-Day-Loan.com.
Types of Information We Collect
90 Day Loan collects both “personally identifiable information”
and “non-personally identifiable information” from or
about users.
Personally Identifiable Information
90 Day Loan 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 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 does not provide personally identifiable information
to these third parties. However, these parties may contact you via
email to follow up or offer you additional services.
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 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 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’s
stock and/or assets are transferred or sold to another entity, 90
Day Loan 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 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 Privacy Changes
90 Day Loan’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. Changes to this
Policy will be posted on the 90 Day Loan 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.
Personal Security
90 Day Loan 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 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 by clicking
here.
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