Privacy Policy
Effective date: 3/27/2025
This Privacy Policy for PaydayLoansSpokane.co (hereinafter referred to as “us,” “our,” “we,” “ours,” “webpage,” “website,” and “site”) serves as a binding document detailing how your personal information (hereinafter referred to as “user,” “users,” “you,” or “your”) is collected, stored, shared, and used on this website. It is provided in detail to ensure a strong commitment to the security and protection of your data.
This Policy explains the purposes and methods behind the collection, use, and sharing of both personal and non-personal information on this website. Should you have submitted your data prior to reading this agreement and wish to have your details removed from our records, please contact us directly using the contact information available on our site.
Our services are intended for legal US residents who are at least 18 years old. This website operates under the laws of federal, state, and local authorities. By using this website, registering your data, or submitting any online forms, you agree to the terms of this Privacy Policy as well as our Terms and Conditions of Use. Your continued use of this site indicates that you understand and accept how your information is used and governed. We advise you to carefully review this document before providing any personal information.
If you do not agree with any of these terms, you must stop using our site and services immediately, and you should refrain from providing any personal information via our online forms or other methods. For any inquiries regarding this policy or its details, please contact us using the information provided on our website. If you disagree with our terms, please exit the website and discontinue its use.
I. Personally and Non-Personally Identifiable Information
Users wishing to register on this site and access our services must provide personally identifiable information (PII) through our online forms. The collection, storage, sharing, and usage of this data are governed by the guidelines set forth in this Privacy Policy. Providing this PII is essential for the functionality of our website and its services. If you decide not to use these services, please do not submit any PII. The information collected may include, but is not limited to:
- Your full legal name
- Your physical or mailing address
- Your email address
- Your contact phone number
- Your employment details
- Your date of birth
- Your SSN
- Other identifying documentation
- Banking documentation or information
Take Notice: Your SSN and banking details are solely used to provide the lender matching services offered on this site. We never share this information with third parties, including marketers, except when required by law (such as in matters of national security).
In addition to PII, we may collect non-personally identifiable information (NPII) without requiring you to submit PII. This includes data on your geographic location, browser type, operating system, timestamps, internet service provider, and similar information. This NPII may be shared with third parties unless you request that we stop its collection and sharing.
i. Use of Your PII
PaydayLoansSpokane.co collects, shares, and uses your PII in accordance with this Privacy Policy. All data provided is secured using advanced encryption and security measures. This information is collected when you register for our services and is necessary to effectively search and match you with lenders who can offer you the requested service. When you submit your data via our online form, you are formally requesting our service to connect you with a loan provider. Additionally, your information may be used for communication purposes, such as sending you marketing materials that you have requested, and to help prevent fraudulent activities. Your data is processed only after you provide explicit consent by clicking the submit button or checking the consent box on our website.
A portion of your PII (excluding your SSN or banking details) may be shared with third-party partners who provide technical support services. These partners are obligated to protect your data and are prohibited from using it beyond the terms specified in this agreement or sharing it with further third parties. Any handling of your PII is strictly governed by this Privacy Policy, relevant laws, and additional documents on this site. With your authorization, this data may also be used to generate consumer reports through credit bureaus. This is a right exercised by your lender, governed by separate agreements and legal documents between you and your lender/financial provider, and is not connected to this website’s policies.
Your PII might also be shared with government agencies or disclosed in whole or in part if requested by an authorized entity, provided that such disclosure is legal and necessary. Such circumstances may include:
- Compliance with legal procedures
- Protection of the website owner’s or affiliates’ property in accordance with the law
- Prevention of criminal activities and/or ensuring national security
- Safeguarding personal and/or public safety
In the event of a consolidation, merger, acquisition, or sale of the company or its assets, your PII may be transferred to the acquiring entity. In cases such as insolvency, the handling of your PII will be determined by court order—either disposed of or licensed. Users whose PII is affected may be notified of such changes either directly or via a notice on our website. Note that the acquiring entity may be located outside the United States.
ii. Third-Party Marketing
Your PII might be shared in part with third-party marketers, lenders, and advertising agencies for marketing purposes. These providers may use your data and pass it on to their affiliated marketers, allowing them to contact you about products or services in which you have previously expressed interest. You may opt out of such communications by following the unsubscribe link or contacting the third party directly. This marketing could take the form of online ads, phone calls, direct mail, emails, text messages, and other methods. Additionally, your data may be used to analyze your online behavior and search history in order to improve service quality and tailor marketing efforts.
It is important to understand that these third-party marketers operate under their own terms and conditions. We are not responsible for how they manage your data. We recommend that you review their privacy policies and terms of service carefully before consenting to any use of your information. To have your data removed from a third party’s records, you must contact that company directly.
By using our website or filling out our online form, you acknowledge and agree to these terms and the related agreements governing the collection, sharing, storage, and use of your data.
If you wish to stop receiving communications from us, simply close this website and any related pages. However, closing the site will not delete any data you have already provided. To remove your information from our records, please contact us directly by emailing [email protected] or by using any other contact methods listed on our site.
We will process your request promptly and delete your information, after which we will cease sharing or using your data. Note that any data already provided to third parties will remain with them; you will need to contact them directly to request its removal.
iii. Credit Implications of the Use of PII
The data you share with our third-party service providers may be used to verify your identity by comparing your information with national databases, including your SSN, driver’s license number, and date of birth. Additionally, these third-party lenders might conduct credit checks by accessing credit reports from various agencies to assess your lending risk. Please note that these credit inquiries could potentially lower your credit score. By using this website and its services (e.g., submitting your information via our online form), you consent to the sharing and verification of your information, including running credit checks.
iv. Email and Telemarketing
By agreeing to this Privacy Policy, you acknowledge that this website, our third-party service providers, and affiliated marketers may use your PII for marketing activities such as email and telemarketing, as well as other advertising efforts.
Additionally, your information may be used to maintain direct or indirect communication via telephone, including service offers and promotional calls made to the phone number you provide on our website. By submitting your information, you authorize us, our lending partners, and affiliated marketers to use your phone number for contact purposes—even if that number is listed on a do-not-call registry. This consent is in accordance with the Amended Telemarketing Sales Rule, 16 CFR §310 et seq. Under this rule, even numbers on the do-not-call list may be contacted once provided to our company. The same rules apply to our third-party partners, granting them permission to use your number as well.
By providing your consent through this website, you confirm that you are of legal age (18 or older), authorized to use the site, and capable of operating a mobile device. Your consent also indicates your understanding of any potential liabilities or charges that may arise from telemarketing communications. Please note that your mobile service provider’s handling of your data is not governed by our policies.
v. Means of Collecting Non-Personally Identifiable Information
When you visit our website or those of our third-party partners, your device may collect cookies, pixel tags, web beacons, server logs, and other analytic tools. These small files or code snippets monitor your online activity and help us enhance your user experience by recording browsing history, click patterns, IP addresses, geo-location, and other related information. This non-personally identifiable information (NPII) is used to personalize and improve your experience on our site.
Cookies
Cookies are small data files sent by a website’s server to your device as you navigate the site. They collect information about your browsing habits, session details, and interactions, which are then shared with authorized third parties. These cookies help enhance user convenience by remembering your browsing preferences and can also detect unusual activity to prevent fraud.
Cookie files can vary in size and duration. Session cookies are temporary and are removed once you close your browser, whereas persistent cookies remain on your device until you delete them manually or they expire according to a preset schedule. You can manage these settings through your browser. For additional information, please visit: http://www.cookiecentral.com and https://youradchoices.com.
Pixel tags and web beacons are employed on our webpages and in our emails to monitor user activity. They allow us to record actions during your session, which in turn helps improve our marketing strategies and promotional efforts. For further details on web beacons, please visit: https://www.webopedia.com/definitions/web-beacon/.
“Log Files” are records that capture data such as your IP address, internet service provider, browser type, platform, click history, timestamps, and navigation details. We analyze these logs to continuously improve your experience on our site.
II. Privacy Management
To ensure proper management of your privacy, we have established specific protocols for using your data. Although your information is essential for our website’s functionality, we offer options for users to limit data sharing or to request complete removal of their data from our records.
If you prefer not to have your non-personally identifiable information (NPII) collected, shared, stored, or used, please exit our website immediately. Note that cookies and other tracking technologies may have already been installed. To address this, you can clear these files manually via your browser settings or configure your browser to alert you before accepting cookies.
Since no “do-not-track” protocol is currently implemented on this website, data management is conducted according to the guidelines set forth in this Privacy Policy and any related documents. To opt out of sharing your PII or NPII with third parties, please visit https://optout.networkadvertising.org/?c=1 to adjust your settings.
Additionally, you can stop further tracking by third parties by opting out or unsubscribing from their email communications using the provided unsubscribe links.
III. PII Security
Although we collect your PII, it is handled according to strict privacy protection standards and practices. We use robust physical, electronic, and procedural safeguards to protect your data from fraudulent or malicious activities. Our security measures are designed to prevent unauthorized use, alteration, or loss of your data.
Access to your PII and NPII is strictly controlled as per your consent, our Privacy Policy, and applicable laws. Only authorized personnel within our company have access to this data, and we never publicly disclose your information. Our employees are bound by confidentiality agreements and may face severe disciplinary actions in case of non-compliance.
However, please note that no system can guarantee absolute security on the internet or on our website at all times. The site owner is not responsible for security breaches, illegal activities, data theft, or any other issues beyond our control. If you are concerned about your data security, you may request the removal of your information from our databases. Third-party marketers who have access to your PII are also responsible for protecting your data to the best of their abilities.
We diligently verify the security measures of our third-party partners through various methods and contractual agreements. Should any breach occur, we will enforce all applicable legal standards and regulations to mitigate any negative impact.
IV. Information Collection from Children
It is strictly prohibited to collect any information from individuals under the age of 18. Our website includes filters to detect and remove any data submitted by underage users immediately, without requiring a user request. We do not knowingly collect, store, share, or use any personal information from minors, in compliance with the Children’s Privacy Protection Act (COPPA).
V. E-consent
Under the federal Electronic Signatures in Global and National Commerce Act, providing your electronic consent and signing documents online indicates that you agree to receive disclosures, documents, and notifications electronically. By submitting your information through our website, you also agree that your data may be shared with third-party vendors, lenders, and marketers with whom we partner. All subsequent communications will have the same legal standing as written documents, which you may print for your records.
Both our company and our third-party partners reserve the right to modify or terminate electronic communications, notices, or digital documents. Should such changes occur, affected users will be given notice in accordance with our terms, policies, and relevant laws. To reduce costs and streamline processes, hard copies of electronic documents are not maintained permanently. All digital records will be destroyed on a predetermined schedule that complies with regulatory requirements, while still serving as valid evidence of the agreements and obligations between the parties involved. The duration of these records’ validity may vary.
VI. Links to Third-Party Websites
PaydayLoansSpokane.co may provide links to third-party websites and marketers. As a matching service, we connect users with third-party providers via these links. Any information you provide to these external sites is governed by their respective privacy policies and terms. We have no control over how these third parties handle your data, so we encourage you to review their policies before providing any personal information.
VII. Notifications for Residents of Different States
PaydayLoansSpokane.co complies with both state and federal regulations regarding the use of PII, which can vary depending on your state of residence. Some states require us to disclose how and when your data will be shared, as well as the specific types of PII that may be disseminated to third parties. If you reside in such a state and require further details, please contact us using the information provided on our website. If your state does not mandate these disclosures, we reserve the right to withhold such information.
VIII. Modifications and Changes
The owner of this website reserves the right to modify these privacy policies at any time without prior notice. When changes are implemented, the updated details will be posted on the website, and the effective date of this document will be revised accordingly. Any information collected will be processed according to the policy in effect at the time of collection. If you disagree with the updated policies, you have the right to stop using our services. We recommend reviewing this policy periodically to stay informed about the most current practices.
IX. Inquiries and Complaints
Users have the right to modify, update, or delete their personally identifiable information provided through our site. If you wish to make any changes, please contact us at [email protected] or via any other contact method listed on our website. Additionally, if you have any complaints about how our website or its services operate, please reach out using the provided contact details. We will review all inquiries and complaints as promptly as possible and follow up with a response.