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The PayDay Way Privacy Policy
At PayDay Way your privacy is important to us. This Privacy Policy describes
the information we collect and how we use that information. It applies if you have
applied for service through the PayDayWay.com website, or if you are a current
customer.
1.PROTECTING THE PRIVACY OF CUSTOMER INFORMATION
PayDay Way is committed to protecting your privacy and providing a secure online
experience. PayDay Way maintains physical, electronic, and procedural safeguards
that comply with U.S. standards to transmit and store information about you.
2.INFORMATION WE COLLECT ABOUT YOU
We collect "nonpublic personal information" about you from several sources:
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Information you provide on your application
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Your transaction and experience history
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Information from consumer reporting and similar agencies
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Non-personally identifiable information such as URL and TCP/IP information
3.HOW WE USE INFORMATION WE COLLECT
The information we collect about you is primarily used to provide services
to you or to facilitate loans, loan applications, or other services that you request.
We may also use your information to resolve disputes, troubleshoot problems, and
enforce our agreements with you. Although we may disclose information we collect
and retain, its use will be limited to what we reasonably believe is appropriate
and necessary to carry on our business and to facilitate your application for the
services and/or products you expect and deserve. In addition, unless you opt-out
as specified herein, we may share the information with affiliates or other companies
who we believe in our sole discretion may offer goods or services that you might
find of interest.
4.PARTIES TO WHOM WE DISCLOSE
Information we share with Affiliates:
Some of our products or services may be provided by our affiliates, network lenders
and/or assignees. We reserve the right to share your collected non-public personal
information with them as necessary to fulfill your request. You may not opt-out
of this sharing of information if you apply through our web site.
Information we share with Third Parties:
Some of our services may be provided by third-party service providers and we reserve
the right to share your non-public information with them. We may also share the
non-public information we collect from you with consumer reporting and related agencies.
You may not opt-out of this sharing of information if you apply through our website.
Finally, we may share the non-public information we collect from you with companies
or organizations with whom we have a marketing or other agency relationship, generally
to offer you goods or services in which we believe you may have an interest. You
have the right to opt-out of this sharing of information as set forth within the
section that explains your opt-out rights.
5.INFORMATION OR EMAIL FROM US
We may send you email regarding our services or those of our affiliates
from time to time. We may also send out periodic emails informing you of technical
service issues related to a service you requested. You will not be able to choose
to opt-out of these electronic mailings, if you apply for service with us, because
they are considered an essential part of the service(s) you have chosen.
6.OPT-OUT RIGHTS
You may opt-out of receiving any communications from us, or our affiliates, by choosing
not to submit your information to us. If you do submit your information to us or
you do apply for services, you will be given the option to opt-out of having your
personal information transferred to any non-essential third party by accessing your
account options and clicking on the appropriate box (after which your opt-out election
will take effect.)
7.ACCURACY OF YOUR ACCOUNT INFORMATION
We have established procedures to ensure that your financial information
is accurate, current and complete, in keeping with reasonable industry standards.
We continually strive to maintain complete and accurate information about you and
your accounts. Should you ever believe that our records contain inaccurate or incomplete
information about you, please notify us. We will investigate your concerns and correct
any information we determine to be inaccurate.
8.CHANGES TO THIS PRIVACY POLICY
Since circumstances and technologies change, we reserve the right to change
or remove portions of our Privacy Policy at any time without prior notification.
If the changes are substantial, such as adding a category of information that we
will disclose to a third party, we will notify existing customers by email and give
them an appropriate time period to opt out of the disclosure.
9.ADDITIONAL SECURITY PRECAUTIONS
You also have a significant role in protecting your information. Do not share your
login information with others. If you use this site you are responsible for maintaining
the confidentiality of your account, password, and restricting access to your computer.
You agree to accept responsibility for all activities that occur under your account
and password.
10.COOKIE"POLICY
To ensure we are publishing content customers need and want, PayDayWay.com collects
aggregated site-visitation statistics using cookies. We do not track individuals'
use of the site. When someone visits the site, a cookie is placed on the customer's
machine (if the customer accepts cookies). If you choose to not have your browser
accept cookies from the PayDayWay.com Web site, you will not be able to subscribe
to the service offerings on the site.
11.WHAT IF I DISAGREE WITH THE TERMS OF YOUR PRIVACY
POLICY?
If you disagree with the terms of our privacy policy, please do not use
our website or provide us with any of your personal information.
Federal Truth in Lending Act (T.I.L.A) Disclosure
The Equal Credit Opportunity Act (Regulation B)
prohibits discrimination based on Age, Sex, Race, Ethnicity, Gender, National
Origin, or Handicap when making a loan. REVCO FUNDING, through its website does
not discriminate based on any of these factors. In addition REVCO FUNDING will not
enter into or maintain vendor/reciprocal information service type relationships
with anyone who, to its knowledge, does not conform to these anti-discriminatory
practices.
The Truth In Lending Act (Regulation Z)
requires certain disclosures of costs and terms associated with certain credit purchases
or transactions (such as this cash advance) and further requires that the costs
associated with the transaction be expressed as an annual percentage rate of interest
or A.P.R. Below all costs, terms and rates associated with the REVCO FUNDING cash
advance or payday advance programs are given.
Pursuant to Utah Law, the services provided for cashing a check are considered a
Deferred Presentment Loan, and as such, all fees are defined accordingly. This document
is for disclosure purposes only and does not affect the character of the fee or
transaction under Utah Law
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