Effective from October 1, 2023
Updated on February 2, 2024
This document outlines the privacy practices for michigan-payday-loans.com and its affiliates, covering all associated web platforms (“Sites”). It aims to inform you about how we handle the collection, usage, and sharing of information you might provide through this Site and its related offerings. We urge you to read through this Privacy Policy in its entirety prior to engaging with or submitting any information on this Site.
The Site is not designed for individuals under the age of eighteen (18) or for those not residing within the United States. By using this Site through any device, including but not limited to computers, mobile phones, and tablets (“Devices”), you are agreeing to this Privacy Policy. Should you disagree with any part of this Policy, please refrain from using the Site.
We reserve the right to amend this Privacy Policy at our discretion. Any changes will be announced on our Site, and we encourage you to review this policy regularly to remain informed about how we manage and protect your information.
Information Gathering
Our Site primarily assists in connecting you with potential lenders within our network of loan providers (“participating lenders”).
Personal Data
We collect personal data directly from you for various purposes, including loan facilitation and general inquiries. This data encompasses your name, birth date, contact numbers, residential and mailing addresses, email, social security number, banking details, financial status, employment background, and driver’s license information.
Non-Personal Data
Your visit to our Site allows us to gather non-personal data such as your IP address, visit specifics, browser and operating system types, the pages you explore on our Site, and the domain you came from. This also includes your navigation patterns on our Site, which we use for analytical and research purposes.
We utilize “cookies,” small text files on your computer, to recognize and enhance your visits. Cookies help us personalize your experience, monitor Site activity, manage the Site, and refine our services. You have the option to disable cookies or manually remove them, but this may affect your ability to fully experience our Site.
Web beacons are also employed on our Site and in communications to gather information on your interactions and site usage, aiding us in analyzing visitor behavior and the effectiveness of our Site and marketing efforts. We may collaborate with third-party services to assist in tracking and analyzing this data.
The non-personal information we gather, possibly combined with other data from you, aids in improving our services and Site experience.
Information Usage
The information we collect may be used to match you with a participating lender, respond to inquiries, analyze Site usage, address Site or service issues, ensure the security of our Site, comply with legal requirements, enforce agreements, and for marketing purposes. You can opt-out of receiving promotional communications by contacting us directly.
Information Sharing
We may share your information with participating lenders to facilitate loan requests, with affiliated companies and service providers for operational support, and as required by law or to protect our rights or the rights of others. In the event of a business transfer, your personal information might be among the transferred assets.
Credit Considerations
Participating lenders may review your information against national databases to assess creditworthiness. Note that extensive inquiries might impact your credit score. By submitting your information, you consent to such checks in accordance with third-party policies.
Security Measures
We implement security measures to protect your personal information, though we cannot guarantee absolute security over the Internet. We strive to protect your data but cannot ensure its complete security during transmission.
Interest-Based Advertising
We may work with ad networks that serve personalized ads based on your online activities. While we do not alter browsing experiences based on “Do Not Track” signals, you can learn about and opt out of personalized advertising through certain industry programs.
Children’s Privacy
Our Site is not intended for children under eighteen (18), and we do not knowingly collect their personal information.
Third-Party Sites
Our Site may link to third-party sites with their own privacy policies. We recommend reviewing these policies before sharing your information.
Analytics and Advertising
We use third-party analytics to understand customer behavior and support our marketing initiatives. You can opt out of certain targeted advertising through provided settings and preferences.
California Privacy Rights
California residents can inquire about personal data shared with third parties for direct marketing under California’s “Shine the Light” law.
Contact Information
For any concerns or inquiries about this Privacy Policy, please reach out to us. Should we need to contact you regarding your information, we will do so through the provided channels.