Effective Date: January 24, 2024
Welcome to houston-paydayloans.com, your trusted source for payday loans. We highly value your privacy and are committed to protecting your personal information. This Privacy Policy outlines how we collect, use, and disclose information when you interact with our website and related services. Please read this policy carefully before using our website.
1. Acceptance of Terms
By accessing houston-paydayloans.com on any device, such as a computer, mobile phone, tablet, or other device (collectively, “Device”), you agree to the terms of this Privacy Policy. If you do not agree with this policy, please do not use our website.
2. Changes to Privacy Policy
We may modify this Privacy Policy at any time, and any updates will be posted on our website. We encourage you to regularly review our Privacy Policy to stay informed about how we use the information we collect.
3. Information Collection
Our primary purpose is to assist you in finding loans from prospective lenders within our network of participating lenders. To achieve this, we collect the following types of information:
Personal Information: We collect personal information when you provide it to us. This may include your name, date of birth, contact information (telephone number, mailing and home address, zip code, email address), social security number, bank account information, financial details, employment information, and driver’s license number and state of issuance.
Non-Personal Information: When you visit our website, we may collect non-personal information, such as your Internet Protocol (IP) address, date and time of your visit, browser type, operating system, specific web pages visited during your session, and the domain name from which you accessed our website. Additionally, we may gather data about your browsing behavior, such as the pages visited, time spent on the website, return visits, and other clickstream data. We may use non-personal information for statistical analysis, research, and other purposes.
Like many commercial websites, we utilize “cookie” technology to enhance your browsing experience. Cookies are small text files placed on your Device when you access our site. They allow us to recognize you on subsequent visits, enhance website functionality, monitor usage patterns, and manage the site efficiently. You can configure your browser to reject cookies or manually delete them. However, this may affect your ability to access certain features on our website.
We may also employ web beacons, which are tiny graphic images used to collect information about your site visit, including pages viewed and features used. They help us analyze user behavior and measure the effectiveness of our website and advertising. We may collaborate with service providers to track, collect, and analyze this data. We may combine non-personal information collected through cookies and web beacons with other data we have obtained from you.
4. Use of Information
We collect and use information for the following purposes:
- Fulfilling your loan requests and connecting you with participating lenders.
- Responding to your inquiries.
- Reviewing website usage and operations.
- Addressing issues with the website, our business, or services.
- Ensuring website security and integrity.
- Monitoring website compliance with our Terms of Use and applicable laws.
- Enforcing contractual agreements.
- Remarketing your information to third parties with your consent, where legally required and in accordance with applicable laws and regulations.
- Contacting you with website updates, newsletters, promotional materials, and offers from us and participating lenders, as well as other companies.
If you prefer not to receive communications from us regarding offers and promotions, you can opt-out by emailing us at [email protected] or following the instructions in our messages.
We may disclose information as follows:
- To facilitate your request, we may share your personal information with participating lenders for loan matching.
- We may engage related companies and service providers to perform various functions for us.
- We may share information with consumer reporting and related agencies.
- If we believe there has been a violation of our website’s Terms of Use or our rights or the rights of any third party, we may disclose information as necessary.
- In response to legal processes, such as search warrants, subpoenas, or court orders, we may provide information to law enforcement agencies or in connection with investigations related to public safety, as permitted by law or as required by law.
- In the event of a corporate merger, acquisition, or asset transfer, your personal information may be included as an asset.
- We may share personally identifiable information (excluding sensitive financial data) with third-party marketers and service providers with whom we maintain ongoing relationships.
6. Credit Implications of Providing Personal Information
Our participating third-party lenders may verify your social security number, driver’s license number, or other qualifying identification and review your information against national databases to assess creditworthiness, standing, and capacity. Multiple inquiries on the three national databases (Equifax, Transunion, and Experian) may impact your credit score. By submitting your information, you agree to allow third-party providers to verify your information and check your credit in accordance with their policies and terms.
7. Security
We employ reasonable security precautions to protect the personal information you provide against loss, misuse, alteration, or unauthorized access. However, while we strive to safeguard your data, we cannot guarantee absolute security due to the inherent risks of data transmission over the internet.
8. Interest-Based Advertising
We may collaborate with ad networks and other ad serving providers (“Advertising Providers”) to serve ads on our behalf and others on non-affiliated sites. Some of these ads may be personalized based on information collected about your visits to our site and other sites over time. Advertising Providers use cookies to personalize advertisements on other websites. We do not change your browsing experience based on “Do Not Track” signals, as an industry-standard protocol has not yet been established.
You can learn more about this type of advertising and opt-out options by visiting www.cookiecentral.com and www.aboutads.info. Opting out may make the ads you see less relevant to your interests. If you use a different browser or delete cookies, you may need to renew your opt-out choice.
9. Children
We do not direct our website to, nor do we knowingly collect personal information from, children under the age of thirteen.
10. Third-Party Websites
Our website may contain links to third-party websites, including those of participating lenders, with privacy policies that may differ from ours. We are not responsible for, nor do we endorse, the activities and practices on these external sites. We recommend reviewing the privacy policy of any external site before disclosing personal information.
11. Third-Party Analytics
We use your information, including age, gender, and interests, to better understand customer behavior and inform our marketing efforts. Third-party vendors, such as Google, may use cookies to serve personalized ads based on your visits to our site. You can opt out of automated data collection by third-party advertisers through Google’s ads settings and preferences.
12. Your California Privacy Rights
Under California’s “Shine the Light” law, California residents who provide personal information to our website may request information about our disclosure of personal data to third parties for direct marketing purposes. To make such a request, please contact our consumer support or email us at [email protected].
13. Contact Us
If we need to contact you regarding any event involving your information, we may do so by email, telephone, or mail. If you have questions or concerns about this Privacy Policy, please contact us by [email protected]..
At houston-paydayloans.com, your privacy is a top priority, and we are dedicated to providing reliable payday loan solutions while safeguarding your personal information.