Privacy Policy

Effective date: 06/21/2024

The Privacy Policy on Paydayloansmichigan.org (hereinafter referred to as we, us, our, ours, Website, Site) is the formal document that outlines how user information (hereinafter referred to as User, Users, You, Your, Yours) is collected, stored, shared, and used on the Website. This document serves as a formal guarantee of the protection and security of the information provided on the Website.

This Privacy Policy covers both personal and non-personal information used on the Website. If You have shared Your information on the Website and wish to remove Your details from any records under our regulation and control, You can contact us directly using the contact details provided on the Website.

The services on the Website are available only to legal residents of the United States who are over 18 years old. The operation of the Website is aligned with federal, state, and local laws of the USA. By registering on the Website and submitting Your information via the online form, and by accepting this Privacy Policy and the Website’s [Terms and Conditions of Use], You confirm that You understand that the use of the information You submit on the Site is governed by these documents. Therefore, You are encouraged to review these documents carefully before submitting Your information on the Website.

If You disagree with or do not understand the clauses of the Terms and Conditions of Use and Privacy Policy of this Website, or refuse to accept the provisions of these documents, You should cease using the services of the Website and should not provide Your information or register on the Website. If You have any doubts regarding the use of the Website or its services, You can contact us using the contact details provided on the Website. If You choose not to use the Website, You should close this and other pages of the Website.

I. Personally and Non-Personally Identifiable Information

To register on the Website and use its services, You need to provide Your personally identifiable information (PII) via the online form on the Website. The collection, storage, sharing, and use of this information are governed by the provisions of this Privacy Policy. This information is essential for providing You with the services You request by using the Website. If You do not wish to use the Website’s services or decide to cease using the Website, You should not submit Your PII on the Website. PII includes, but is not limited to, Your first and last names, address, email address, telephone number, date of birth, employment information, Social Security number, other ID information, and banking information.

NB: SS number and banking information are used only to provide You with the searching and matching service and are never shared with any third-party marketers or other third parties unless required by law or special orders from authorized parties (including but not limited to national security issues).

In addition to PII, we collect Your non-personally identifiable information (NPII) when You use the Website, regardless of whether You submit any personal information. NPII includes, but is not limited to, user behavioral data such as Internet Protocol (IP) data, browser details, geolocation, user’s operating system, referral and exit pages, date and time details, Internet service provider details, etc. The NPII we collect from You may be transmitted to third parties we contract with unless You use means to hide Your NPII or express a request to stop using Your NPII directly.

I. The Use of Your PII

We collect, store, share, and use Your PII under the provisions of this Privacy Policy. All the information You provide is protected by our top security measures and encryption methods. The information You submit when registering for the services is used to search and match You with one or more lenders we contract with who can provide You with the loan products You expressed interest in. Your submission of information is considered an expressed will to be matched with a lender or financial service provider. Additionally, the information we collect can be used to contact You to provide marketing information on the products You expressed interest in. Moreover, we can use this information to protect against potential malicious activity and fraud on the Internet. We will collect, store, share, and use Your information only upon Your expressed consent, given by clicking the respective button or ticking the consent box, which authorizes us to use Your information as set herein.

Some of Your PII (excluding SS number and other sensitive information such as banking information) can be shared with third parties we contract with if technical support is needed. These authorized third parties are liable for keeping Your information secure and can only use it for the authorized purposes according to the agreement we make. They are not authorized to share Your information with other third parties. All activity performed with Your PII is governed by this Privacy Policy and applicable international laws and US legislation. Additionally, PII can be shared for consumer reporting with credit bureaus upon Your prior authorization (consumer reporting authorization). However, this procedure is performed by the lenders and regulated by the legal documents concerning Your communication with Your lender and other financial providers and has nothing to do with this agreement and the use of this Site and its services.

Your PII can be shared with governmental entities, disclosed completely or partially upon request from any authority or authorized organization if such disclosure is lawful and considered necessary for these reasons:

• It is ordered or required to comply with legal processes;
• It is obligatory to protect the property of the Website owner or its affiliates and does not contradict applicable laws;
• It is necessary to prevent crime and/or protect national security;
• It is necessary to protect personal or public safety.

In case of a merger, acquisition, consolidation, or purchase of the owning company and its assets, Your PII may be transferred and disclosed to the receiving party during these actions. According to the court’s decision on insolvency proceedings, if it takes place, and in case of liquidation of the owning company, the liquidating party or authorized representatives of the company can transfer, sell, dispose, or license Your PII within the provisions stated by the court’s decision. In this case, it is possible that the owners of the PII shared on the Website will be notified of the forthcoming procedures and modifications upfront or the notification will be published openly on the Website. It is possible that acquisition, merger, and other stated modifications are associated with a non-US company.

II. Third-Party Marketing

Your PII may be partially shared (excluding sensitive information such as SS number and banking and financial data) for marketing purposes with third-party marketers, lenders, and advertisers we contract with. These third-party marketers may use this information and share it with other third-party marketers to initiate marketing activity towards You by presenting products You previously expressed interest in while submitting Your information. If You decide to opt-out of receiving such marketing messages and offers, You can easily unsubscribe and eliminate Your information from the lists compiled by these third-party marketers by using an unsubscribe option (button or link) in the respective message. Marketing activities may include, but are not limited to, direct mail, short messages, online banner ads, telemarketing calls, emails, etc. Additionally, Your information can be used to track Your online activity and collect Your online behavioral and search information. This activity aims to improve the quality of services presented to You online and adjust marketing activities to Your requirements and needs.

Please note that the way third-party marketers use Your information is subject to their legal documentation and regulations, including but not limited to their privacy policies and terms of use. Since we do not take responsibility for how Your information is used by these parties, we encourage You to review the legal documentation of these third-party marketers to understand how Your information will be used. If You wish to remove Your information from any lists or databases of these third-party marketers, You should contact them directly.

By continuing to use the Website and attempting to use the services presented on the Website, You expressly agree that You have read and understand the provisions of the legal documents governing the use of Your information on the Website, and the terms of collecting, storing, sharing, and using Your PII and how Your shared PII can be used by third-party lenders and marketers.

To discontinue contact with us and receiving further information from Us, You need to close this and all other Website pages. If You have already shared Your personal information with us and wish to opt out of further communication and remove Your information from our lists and database, You can contact us directly with the respective request using this email address: info@paydayloansmichigan.org or other contact information indicated on this Website. Your request will be processed, and the information removed from our database. Once Your information is removed from our database, You can be sure it will not be shared with any third party, used for any secondary purposes, or used for marketing activities. However, since the information has already been shared with third-party marketers, we cannot take responsibility for communication sent to You by these third parties. You should contact third-party marketers directly to remove Your information from their databases.

III. Credit Implication of the Use of PII

The information shared with our third-party lenders can be used to verify Your identity (via SS number and/or driving license number, for example) and Your information against national databases. Additionally, the lenders we contract with may need to perform credit verification and use Your PII to request a credit report from one or more credit organizations, including but not limited to the major credit bureaus, to determine Your credibility and assess the risks associated with providing credit products to You. Credit report requests may lower Your credit score. By continuing to use the Website and submitting Your information via the online form, You give Your express consent to have Your information verified and Your credibility checked according to the provisions of these third-party lenders’ legal documents governing their practices and communication with You.

IV. Email and Telemarketing

By agreeing to the Terms and Conditions of Use and this Privacy Policy, You confirm that we and third-party lenders and marketers with whom Your information is shared according to the provisions of this Privacy Policy can use Your PII for advertising purposes, including but not limited to email and telemarketing advertising.

Your PII can be used for direct and indirect communication, including but not limited to telemarketing calls, assistance calls, and credit product and service offers via the telephone number You provided in the online form. Either we or third-party lenders and marketers can use this number even if it is listed in any corporate, state, or federal Do-Not-Contact registry, suppression lists, or similar. Since submitting the information via the online form is considered an attempt to make a purchase or receive a service, the processing and application of Your request are performed according to the provisions of the Amended Telemarketing Sales Rule, 16 CFR §310 et seq. (the “ATSR”). According to ATSR, even if Your telephone number is listed in the FTC Do-Not-Call List, we are authorized to contact You upon Your given consent using telemarketing. Since Your inquiry to third-party marketers and request for the service on the Website are also considered an attempt to make a purchase, according to ATSR, these third-party marketers are also authorized to contact You using telemarketing.

By giving Your consent to use the Website and provide Your information to use our services, You confirm that You are at least 18 years old and legally authorized to own and use a mobile device. You also confirm that You realize and understand the liabilities and possible charges associated with Your participation in telemarketing campaigns. Your service provider may also collect Your information. These procedures and interactions with Your service provider are regulated by the policies and terms stated by these organizations and have nothing to do with this Privacy Policy and other regulatory documents on this Website.

V. Means to Collect Non-Personally Identifiable Information

If You opt to use the Website or the websites of third-party lenders and marketers, You may encounter the use of cookies, web beacons, pixel tags, browser analysis tools, and web server logs. These are small files or parts of code used to monitor and record the features of Your online activity, such as Your geographical position, IP address, language preferences, click history, browsing history, online behavior, Your operating system, and browser specifications set. All this data is considered Your non-personally identifiable information (NPII) and collected and stored to provide the customization of Your online activity.

Cookies

These are small unique files assigned by a Website server to the users of this Website when they visit and perform activities on the Website (such as linking and clicking). Once installed on the user’s computer, these cookies collect information about the user’s online behavior, browsing, and user experience details and send it to us or third parties authorized to collect this information. Cookies are used to enable user recognition, analyze user preferences, and adjust the services provided online according to the collected information. Additionally, these small files can detect fraudulent activity and prevent security breaches.

Cookies vary in size and duration (temporary or permanent). Session or temporary cookies are used for a single operation on the Website and erased shortly after the user exits the browser or website. Permanent or persistent cookies are stored longer and remain after the webpage or browser is closed. You can manage Your cookies preferences in Your browser’s options and delete these small files if necessary. More about cookies and cookies management on www.cookiecentral.com and www.aboutads.info.

Pixel Tags and Web Beacons

These small images are placed on webpages and emails to monitor user activity. These features record user activity during the session, enabling further adjustment and improvement of marketing campaigns and promotions. More about beacons here: www.webopedia.com/TERM/W/Web_beacon.html.

Log files are collected files that store information on IP addresses, browser types, Internet service providers, platform types, date/time stamps, click records, referring and exiting pages, etc. These files are also used to adjust and improve user experience online and on websites in particular.

II. Privacy Management

To perform effective privacy management, we establish different practices on how we use Your information. Apart from techniques to enhance Your online experience and the use of our services and the Website, we provide options to limit the volume of information You share or eliminate Your information from our records upon Your request.

If You do not want Your NPII information to be collected, stored, shared, or used, You should exit the Website immediately. However, it is possible that cookies, beacons, and other tracking files are automatically installed. In this case, You can use Your browser preferences to delete existing cookies manually, adjust the default settings, request notification for cookies, accept or reject cookies, and remove cookies from Your computer.

Since the Do-Not-Track protocol has not been established yet, information security and privacy management are aligned with the provisions of this Privacy Policy and related documents governing the use of this Website despite any Do-Not-Track signals. If You wish to opt-out of sharing with certain third parties, You can go to www.networkadvertising.org/consumer/opt_out.asp to adjust Your options individually.

Another way to opt-out from tracking Your online behavior by third-party marketers is to unsubscribe from their email lists via corresponding links.

III. PII Security

Your PII is collected, stored, shared, and used in strict compliance with security and privacy protection regulations and practices. We shield Your PII and all the activities performed on the Website from any attempts of malicious activity, fraud, unauthorized use, and other jeopardizing online practices. We use electronic, physical, and managerial security measures to protect users of the Website and Website assets from loss, misuse, unauthorized modification, or deformation of any information.

We limit access to information and share Your PII strictly to the extent set by Your consent per this Privacy Policy and other regulative means of the Website, as well as applicable laws. Within the company, Your PII can only be accessed by authorized users and is never used publicly. All employees and other parties who have access to Your PII are obliged and liable to provide its protection and security to the extent reasonably possible. Non-compliance is subject to disciplinary actions.

Nevertheless, no entity can unconditionally guarantee that Your online experience will be 100% secure and that no violation or illegal intervention can occur. The Website owner cannot take responsibility for any illegal activity, security breaches, stolen or modified information that happens beyond the owner’s control. To ensure protection from malicious activity from the outside, You can request to erase Your data from any listing or database You consider insecure. At the same time, third-party marketers who receive Your PII are contractually responsible for protecting Your information to the extent reasonably possible. We verify the diligence of our partners through multiple means and regulatory contracts and check their information security policies. If any violation occurs, applicable laws and regulations are applied to manage the situation and eliminate possible negative consequences.

IV. Information Collection from Children

Collecting information from children under 18 years old is strictly prohibited and will not be performed on the Website. We provide filters to prevent users under 18 from providing information on the Website. If we detect any PII received from a user under 18 years old, we will immediately delete this information. Since we do not voluntarily collect, store, share, or use any PII from users under 18 years old, we comply with the Children’s Privacy Protection Act (COPPA), and this Privacy Policy is built in consideration of the provisions of this Act.

V. E-Consent

According to the Federal Electronic Signatures in Global and National Commerce Act, users who give their consent and e-sign electronic documents agree to receive documents, disclosures, and notifications in electronic format, provide information via electronic means, and allow sharing of this information according to the provisions of privacy policies, terms of use, and other applicable laws and regulations, and conduct business electronically. Once a user submits information through the Website, they give consent to receive electronic notifications, documents, and disclosures and to receive information directly on the Website and electronic communications with third-party marketers and lenders we contract with. Any such electronic communication received after providing Your e-consent should be considered “in writing” and have the same force and effect. The copy should be printed for records.

We and third-party marketers we contract with reserve the right to discontinue providing electronic documentation, notifications, and other forms of e-communication. In this case, the concerned users may be notified of the termination in accordance with the provisions stated in the policies and terms governing the business relationship between the parties and other applicable laws and regulations. Hard copies of the documents and records originated in electronic form are not necessary to be produced and/or stored to facilitate and reduce expenses. All electronic records, disclosures, and documents are to be destroyed according to the routine schedule and procedural practices as determined by regulatory requirements. Any such electronic records can be considered and recognized as legitimate evidence to validate rights, agreements, and obligations related to the parties bound by the provisions of these e-documents or pursuant to these records. The time for validation, legal force, and provision of such e-communication may differ.

VI. Links to Third-Party Websites

The Website contains links to third-party websites and may connect users to third-party lenders via links. The privacy of information provided by users on external websites is subject to the regulations stated on those sites and has nothing to do with this Website. Additionally, these third parties have their privacy policies and regulative documents on their websites, and it is highly recommended to review these legal documents and disclosures individually before sharing any PII on their websites.

VII. Notifications for Residents of Different States

We strictly follow federal and state regulations and codes. The way PII can be used is regulated differently in various states. Some state regulations require the party that collects personal information to disclose complete information on how and when the collected information will be shared and the other parties it will be transmitted to (individually and exclusively). Additionally, it may be required to disclose what types of personal information will be shared and how these third parties will use it. If the user of the Website is a resident of a state where specific regulations are in force, we recommend contacting us directly using the contact information provided on the Website to get all the necessary information in detail. Each request will be processed individually. We reserve the right to deny the processing of such requests if the inquiry is sent from a user who legally resides in a state where such specific regulations are not in force.

VIII. Modifications and Changes

The Website owner reserves the right to make changes to this Privacy Policy at its discretion and without prior notice. If changes or modifications occur, the updated information will be posted on the Website, and the effective date of the document will be changed to the date of the most recent update. By default, all information is used according to the version of the Privacy Policy enforced at the time this information was collected. Users have the right to determine individually if this rule is acceptable. However, we encourage all users to review the Privacy Policy information and follow the modification dates to stay up to date and react accordingly.

IX. Inquiries and Complaints

Users of the Website are within their rights to modify, amend, and withdraw their PII collected on the Website. If necessary, the user who decides to make changes to their information should contact us via email: info@paydayloansmichigan.org or other contact details stated on the Website and provide an inquiry regarding the modifications to be made. Similarly, if any user of the Website has any complaint regarding the operation of the Website and/or any of its services, this user should use the stated contact details and provide the details of the complaint. We will review all requests and complaints in the shortest time possible and reply as soon as we can.

X. Privacy Rights of California Residents

Companies that collect Personally Identifiable Information from California residents and disclose such information to third parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt out of having their information shared with third parties. Paydayloansmichigan.org has elected the second option, and you may opt out by completing one or more forms on the Opt Out page.

California residents are also entitled to know that they may file grievances and complaints with the California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to dca@dca.ca.gov.