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Last Updated: February 24, 2012
In General. We may collect personal information that can identify you such as your name and e-mail address, as well as other information that does not identify you such as gender and date of birth. When you provide personal information through our websites, the information may be sent to My Secure Payday servers located in the United States and other countries around the world.
Targeted advertising (also known as behavioral advertising) uses information collected on an individual's web browsing behavior such as the pages they have visited or the searches they have made. This information is then used to select which My Secure Payday advertisement should be displayed to a particular individual on websites other than a My Secure Payday site. For example, if you have shown a preference for consumer loans while visiting a My Secure Payday site, you may be served an advertisement from or about the My Secure Payday site for consumer loans when you visit a site other than the My Secure Payday site. The information collected is only linked to an anonymous cookie ID (alphanumeric number); it does not include any information that could be linked back to a particular person, such as their name, address or credit card number. The information used for targeted advertising either comes from the My Secure Payday site you are visiting or through third party website publishers.
In addition, we may place (or allow third parties to place) cookies and pixels on our website which enable our authorized service providers, advertising companies and advertising networks to collect information about our users who view or interact with their or our advertisements on our website or complete certain actions on our site, such as submitting an application or registration form. However, we do not tie these cookies and pixels to personal information that you submit on our website. The information collected by the cookies and pixels allows us and the companies mentioned above to deliver, and gauge the effectiveness of, targeted advertisements, both on our site and when you are browsing other websites. Some of these third-party advertising companies may be advertising networks that are members of the Network Advertising Initiative (www.networkadvertising.org), which offers a single location to opt out of ad targeting from member companies.
We may store the personal information described above as necessary to accomplish the business purposes for which it was collected, as well as to comply with our legal and audit obligations, resolve reported and potential disputes, and enforce our agreements. For example, we may store information as long as your account is active; since users are invited to submit multiple applications on our website, we may store your bank account information so that you do not have to re-enter this information every time you apply. However, we do NOT store highly sensitive information such as Social Security numbers for extended periods of time or any longer than necessary to fulfill our authentication and similar requirements in connection with a loan application. We also maintain an information security program that limits storage of personal information to what is needed to fulfill our reasonable business, legal and audit requirements.
In general. We may use information that we collect about you to:
You expressly agree that we may call you, including the use of automatic dialer systems to your land line or mobile telephones, send SMS or MMS messages to you, or contact you by any means described above. You may opt-out from these types of communications at any time by following the unsubscribe link located at the bottom of the SMS and MMS messages or by emailing us at privacy@MySecurePayday.com.
Financial and Application Information. We use the financial, financial account and other application information you provide to match you with lenders or to provide their or other third parties' conditional loan, credit line, shopping card and similar offers to you that you have requested, to verify your identity, to protect against or identify possible fraudulent transactions, or otherwise as needed to manage our business, and to charge you or debit your financial account for any fees related to your application or any product you have requested.
Please review the "Your Choices About Collection and Use of Your Information" section below.
We want you to understand when and with whom we may share personal or other information we have collected about you or your activities on our websites, while using our services or in your other interactions (such as responding to e-mails) with us.
Personal Information. We do not share your personal information with others except as indicated below. Except for highly sensitive personal information (such as Social Security numbers and financial account information, which we only disclose in limited situations, such as to process a transaction or match you with a lender at your request, and which we do not share for marketing purposes without your prior consent), we may share all personal information with:
(1) In response to a subpoena or similar investigative demand, a court order or a request for cooperation from a law enforcement or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law.
(2) When we believe disclosure is appropriate in connection with efforts to investigate, or to prevent or take other action regarding, illegal activity, suspected fraud or other wrongdoing; to protect and defend the rights, property or safety of our company, our users, our employees or others; or to enforce our websites' terms and conditions or other agreements or policies.
(3) In the event My Secure Payday goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, or in the unlikely event of a bankruptcy, your personally identifiable information will likely be among the assets transferred. You will be notified via email or prominent notice on our website for 30 days of any such change in ownership or control of your personal information.
Please note that information may also be collected by third parties such as advertising companies and advertising networks via third-party cookies and pixels on our site (please see the subsection above entitled “Targeted or Behavioral Advertising” for details).
Aggregated and Non-Personal Information. We may share aggregated information (i.e., information about you and other customers collectively, but not specifically identifiable to you) and other non-personal information we collect under any of the above circumstances. We may also share it with third parties and affiliated companies to develop and deliver targeted advertising on our websites and on websites of third parties. We may combine non-personal information we collect with additional non-personal information collected from other sources. We also may share aggregated information with third parties, including advisors, advertisers and investors, for the purpose of conducting general business analysis. For example, we may tell our advertisers the number of visitors to our websites and the most popular features or services accessed. This information does not contain any personal information and may be used to develop website content and services that we hope you and other users will find of interest and to target content and advertising.
We will retain your information for as long as your account is active or as needed to provide you services. We may also retain and use your information as necessary to comply with our legal and audit obligations, resolve reported and potential disputes, and enforce our agreements. If you wish to cancel your account or request that we no longer use your information to provide you services contact us at privacy@MySecurePayday.com. We ask individual users to identify themselves and the information requested to be accessed, corrected or removed before processing all such requests, and we may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others, or would be extremely impractical (for instance, requests concerning information residing on backups), or for which access is not otherwise required. All requests are also subject to the next section below (“Your Choices About Collection and Use of Your Information”). We also maintain an information security program that limits storage of personal information to what is needed to fulfill our reasonable business, legal and audit requirements.
We take appropriate security measures (including physical, electronic and procedural measures) to help safeguard your personal and sensitive information from unauthorized access and disclosure. For example, with regard to My Secure Payday’s internal operations, only authorized employees and authorized third-party service providers are permitted to access personal information, and they may do so only for permitted business functions. We use a reputable security service provider to manage our servers on which your personal information is stored. In addition, personal information you submit to My Secure Payday through our websites is transmitted through an encrypted SSL (secure socket layer technology) connection, and My Secure Payday’s computers and networks have security measures, such as firewalls, to protect against the loss, misuse and/or alteration of the information under My Secure Payday’s control.
We want you to feel confident using our websites to transact business. However, no system can be completely secure. Therefore, although we take steps to secure your information, we do not promise, and you should not expect, that your personal information, searches or other communications will always remain secure. Users should also take care how they handle and disclose their personal information. Please refer to the Federal Trade Commission's website (http://www.ftc.gov/bcp/menus/consumer/data.shtm) for information about how to protect yourself against identity theft.
1. the categories of information we disclosed to third parties for their direct marketing purposes during the preceding calendar year;
2. the names and addresses of the third parties that received that information; and
3. if the nature of the third party's business cannot be determined from their name, examples of the products or services marketed.
We may provide this information in a standardized format that is not specific to you. The designated e-mail address for these requests is . Please note that we are only required to respond to one request per customer each year, and we are not required to respond to requests made by means other than through this e-mail address or mailing address. Please also be aware that not all information sharing is covered by the California requirements and only information on covered sharing will be included in our response.
Our websites are for adults, and we do not knowingly collect personal information from children under the age of 18.
You may also contact us at:
2637 E Atlantic Blvd #19028
Pompano Beach, FL 33062