Throughout this document, iSpotPayDay.com may be referred to as ‘us’, ‘our’, ‘we’, ‘site’ or ‘website’. We operate a database of prospective customers known as the ‘service’ through the use of this website. We may utilize any number of media advertisements, third parties and affiliates to promote and advertise this site and add to the service.
Any time you fill out an application or provide any information to iSpotPayDay.com, your name and contact information is added to our database. By providing this information, you are agreeing to be contacted by iSpotPayDay.com and marketing agencies who are partnered with us via text message, email, postal mail and telephone. You will continue to receive these communications until you choose to opt out of one or all of them, and you may opt out at any time.
If you would like to opt out of communications from iSpotPayDay.com or our partners, you may do so by following the unsubscribe link which may be found at the bottom of communications from us or by emailing us. If you opt-out, we will forward this information to the vendor or company from whom we obtained your information so that your contact information may also be removed from their databases. We can only ensure that your name will be removed from our database and the databases of companies with whom we are affiliated; we can never be held responsible for stopping marketing and promotional communications from all third party companies.
Costs Involved with Short Term Loans
Since the APRs associated with the loan are higher than those associated with other forms of consumer credit, these loans have the potential to become expensive. Most of the time, consumers will pay an average of 20% of the total loan amount in the form of fees and interest. However, these rates can fluctuate a great deal and are set by the individual lenders as well as state regulations. For more information about the average costs associated with short term loans, please contact the Consumer Federation of America which is a group that performs calculations regarding the industry.
Protecting Your Privacy
We understand that protecting your privacy and your personal information is incredibly important, especially with today’s advanced technology. We only collect information through this website to process the transactions you request and to respond to your inquiries. Whether you are a current or former customer of iSpotPayDay.com, we will never share your information with anyone outside of our affiliated lenders and third party affiliates.
Policy on Underage Use
This website is only intended for use by individuals who are 18 years of age or older. We will never knowingly collect any information from individuals who are not yet 18 years of age
Use and Collection of Your Information
We collect information from our customers, both existing and prospective, in order to provide them with the products and services they request as well as those in which they have expressed an interest. Our users have the right to opt out of communications from us and our third party affiliates at any time. Although not all of the information we ask you to provide is absolutely required to provide you with a short term loan, much of it is. The required information includes your name, email address, telephone number, physical address, work telephone number, employer’s name and telephone number, mortgage balance and interest rates on mortgages, the amount of the loan you wish to receive and the best time to contact you.
There is also some information we may collect about your computer in order to generate statistics to help us analyze the ways in which our website is utilized by our visitors. Some of this information includes your IP address, the operating system you use, your browser, the dates and times that you access our website and the website through which you accessed ours. We use this information to improve the quality of the services we provide, including the way these services are delivered, and to enhance our website in general. You will never receive any updates from us without permission, and when you provide information to iSpotPayDay.com, you are providing us with this permission.
Right to Opt Out
You may follow our opt-out process to request that we stop sending you promotional or marketing communications at any time. You may also choose to completely remove your information from our database by deactivating your account with us. To do this, please email us and allow us 10 days to complete the request. To opt out of text message communications, you can reply to any message you receive with the words ‘STOP’, ‘QUIT’ or ‘END’.
Policy on Information Sharing
iSpotPayDay.com will never sell your information to third parties, but your information may be provided to various third party affiliates who are responsible for assisting us in fulfilling your requests. Our lenders, companies who provide customer service and shipping companies may have access to this information, for example. However, these entities are only authorized to use your information to fulfill their obligations to us. We may also disclose your information in the following circumstances:
• When we are involved in a merger, sale or acquisition. Should this occur, our database—which includes your personal information—will likely be considered part of our assets and will be transferred accordingly. In this event, and in the event that the ways in which your information is collected used or distributed are changed, you will be provided with an email communication.
• When you have consented to your information being shared with third parties.
• When we are required to share your information by law, such as when we receive a court order or subpoena.
• If we believe that sharing your information is necessary for protecting our rights or the rights of others.
• During alleged or actual fraud investigations.
• When a government entity requires us to provide your information.
Similarly, we may provide your personal information to third party affiliates so that they may advertise their products and services to you. You may email us if you do not want your private information to be shared in this way.
Sharing Information with Affiliates
By providing your personal information through any form or communication with iSpotPayDay.com, you are agreeing to be contacted by various third party affiliates who are responsible for providing you with the products and services you request. An affiliate is any company who has a legal contract with iSpotPayDay.com. Any information you provide on your application or through any other communication will be shared with lenders, banks and brokers in order to inform you of the products and services in which you have expressed an interest.
We will disclose info to third parties.
When you visit our website, we may place a cookie—a small parcel of information—on your computer. This cookie essentially allows our website and your computer to communicate with each other for the purposes of user identification, session identification, authentication, remembering your login information, and saving your preferences. Although you may reject cookies from our website through your browser settings, please keep in mind that you may not have access to the full range of products and services we offer if you choose to do so. If the cookies we place are used to track your interests, your personal information may be tied to them.
Third Party Cookies
Third Party Advertisements
Links to External Websites
You may come across links to various third party websites as you browse iSpotPayDay.com. If you choose to exit iSpotPayDay.com through one of these links, you do so at your own risk and are advised to carefully review the Privacy Policies of these websites. If we are co-branded with the companies, you will be provided with clear information regarding which company is collecting your personal information.
We use only top-rated and industry recognized security software and procedures to protect the personal information you provide to us. Your information is protected by software and security protocols as it is being transmitted via the web and after we have received it. Since there is no security measure that is 100% secure, we can never provide a guarantee that your information will not be illegally obtained. We will not be held responsible if your information is obtained illegally.
Updating Your Information
You have the right to update any information you have provided to us at any time. To view, update, correct, change or remove any of the information you have provided to iSpotPayDay.com, please send us an email.
Notifying You of Changes
Site and Service Updates
Although you have the right to unsubscribe from and opt out of marketing communications from iSpotPayDay.com and our third party affiliates, you do not have the right to opt out of certain service announcements that provide important updates about our site and services. If you are no longer interested in any products or services we offer, you have the right to completely deactivate your account. To do so, please contact us by email.
Information Shared with Co-Branded Companies
Co-branded companies are those whose name is listed on a quote or application you receive through iSpotPayDay.com. If this company’s name is on the application or quote, any products or services you receive will be controlled solely by that company. However, these companies will share your information with us for tracking purposes.
Do-Not-Call Registry Compliance
When you provide information to iSpotPayDay.com through any application, form or correspondence, you are giving your consent to be contacted by us and our third parties regardless of your status on the Do-Not-Call Registry.
Retention of Information
The information that you provide to us through forms, applications or communications will be retained by us as long as your account is active. If you would like to cancel your account or ask that we no longer use your information for any purpose, please contact us by email. Your information will still be used for as long as necessary to resolve disputes, protect our rights and comply with any legal obligations even after you have requested that we remove it from our database.