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1. INTRODUCTION

We welcome you to paydayloanspot.com. When you use this site and send your data through it you are agreeing and complying with the terms that will follow and the arrangements and conditions that are states herein (it will herein be called the “Customer Agreement”), as well as consenting to the rules and regulations stated in the Privacy Policy. This policy has been revised October 19, 2016.

paydayloanspot.com: is not a lender and does not make lending decisions. We hold our network of lenders to high standards of compliance and best practices. We strive to ensure that each marketing message you see from us is accurate and informative. When we connect you with a lender, we expect that lender to fully inform you of the loan being offered, including all of the disclosures required by federal, state and local statutes and regulations. Whether you accept the loan or not is completely up to you, and there is no obligation if you reject it.

As managers of this website, we reserve the right to change or adapt this Customer Agreement at any time without providing any notice. You agree to monitor this Customer Agreement periodically and make not of any revisions.

2. FAIR AND ABLE DEPLOYMENT

Anyone using the site agrees to make use of the site’s Features for the purposes expressed and permitted within (1) the rules of the User Agreement, and (2) the fair use and modes of conduct established for behaviors using online resources.

In which, you understand the following:

In order to access some of the Features that we offer, visitors to the site may have to volunteer specific personal information about oneself or one’s business (including information personal to yourself and your financial accounts as a condition of enrollment. You agree to present accurate and honest accounts of your information.

Any efforts on your part to access the site, or portions of the site and its resources by means other than the ones that we have presented to you is forbidden. You hereby agree to refrain from accessing, or attempting to access, the site’s resources through any digital, unfair or unapproved methods.

Becoming a participant in any kind of organized or unorganized action targeted to exploit or undermine the site’s resources which include, but are not limited to, servers and other information technology equipment is forbidden.

Any attempt to copy, reproduce, mimic, or barter any of the site’s offerings, or trade on our resources is strictly forbidden. You hereby agree to reimburse and treat fairly paydayloanspot.com and all of its personnel, including company officers, employees, staff and associated worker and other organizations and partners associated with the company, license holders and operators, covering costs for logical legal fees and payments for any mishaps, misfortunes, losses, damages and misappropriations, due to charges of dissatisfaction or mishandling of matters related to the business at hand, or difficulties experienced by the use of your account by yourself or anyone else using your account for mischievous purposes. We hold all rights and authority to maintain the safety and security of the site and all of the resources and offerings presented, in a reasonable and expedient manner.

3. SAFETY

Maintaining the safety of all of our clients is a top priority for us. Because of that we established a Privacy Policy that establishes the methods we use to collect, monitor, handle, protect and maintain your personal information. You can read about our methods of safeguarding information in the passages of this user agreement.

4. ASSURANCES

paydayloanspot.com users hereby agree to assure that they will consider us free from harm for any charges or claims that you make or your family member or associates make due to any offerings accepted through the website, including equitable lawyers’ fees.

5. ALLOWING COMMUNICATION

When you submit your information on the site you are agreeing to allow third parties, agents and lenders to communicate with you, on an unlimited basis, by telephone, postal mail, email and other forms of communication.

6. CREDIT CHECKS

Lenders will be allowed to access and verify your credit data, which can include your driver’s license number, Social Security Number and other state, federal or local identification. Your credit history can also be viewed and evaluated to determine your credit worthiness. Credit bureaus, such as TransUnion, Experian and Equifax may be consulted. When you submit your information to this site you agree to allow lenders to check your credit report and validate your identification documents.

7. COPYRIGHTS AND TRADEMARKS

Certain intellectual property on this site, which can include but is not limited to graphics, photographs, designs, characters, trade names, titles as well as electronic intellectual property such as software products and written information is the sole property of paydayloanspot.com, and those who have licensed it, or other authorized persons who are associated with the site.

Users of the site can use the intellectual property on the site, including copying documents, viewing and recording information and images in order to obtain a loan, but for no other purposed. We reserve ownership of this site and all of its content. You are not permitted to display, retransmit, distribute or otherwise disperse the information and documents on the site without written permission from the site owners. No contents on the site should be interpreted as bestowing any permission or license to any copyrighted material, copyrights of other intellectual property.

8. DISCLAIMER & LEGAL RIGHTS AND WARRANTIES

We at paydayloanspot.com have used every available means to ensure that information contained on the site is accurate, however complete accuracy is not ensured. We make no guarantees about the customer’s experience using this website or the ultimate outcome of your use of the site. paydayloanspot.com and ANY OTHER ASSOCIATE OF THE COMPANY THAT HAS TAKEN PART IN DEVELOPING, MAINTAINING OR ENHANCING THIS SITE WILL BE HELD RESPONSIBLE AND THEREFORE LIABLE FOR ANY DIRECT OR INDIRECT, UNFORSEEN, CONSEQUENTIAL OR EXTRAORDINARY DISCIPLINARY PUNISHMENTS THAT DEVELOPED DUE TO USING OR ACCESSING THE SITE. ALL SITE CONTENT ARE PROVIDED WITHOUT WARRANTY AND SHOULD BE CONSIDERED ‘AS IS’ INCLUDING ANY EXPRESS OR IMPLIED WARRANTY, ABLENESS FOR AN EXPRESSED PURPOSE OR NON-INFRINGEMENT. THE TERMS OF THESE LIMITATIONS AND EXCLUSIONS ARE FUNCTIONAL TO THE COMPLETE EXTENT OF THE LAW.

9. WAIVE RIGHT TO DISPUTE

ACTION TO TRY OR RESOLVE A DISPUTE, INCLUDING THROUGH MEANS OF LITIGATION AND ARBITRATION SHALL BE HELD INDIVIDUALLY. YOU, AS WELL AS paydayloanspot.com WILL NOT ATTEMPT TO SETTLE ANY DISPUTE IN A CLASS ACTION, VIA PRIVATE ACTION BY ATTORNEY GENERAL OR IN ANY MEANS THAT PERMITS PARTIES TO PERFORM IN A REPRESENTATIVE FASHION. ANY ARBITRATION OR HEARING CANNOT BE INCLUDED WITH ANOTHER SUCH ARBITRATION OR PROCEEDING EXCEPT WHEN WRITTEN CONSENT IS OFFERED BY ALL CONCERNED AND AFFECTED PARTIES IN THE HEARING. IN ADDITION, YOU AGREE TO AVOID SEEKING SETTLEMENT IN ANY DISPUTE WITH A LENDER THAT YOU HAVE BEEN REFERRED TO IN A CLASS ACTION, PRIVATE ATTORNEY GENERAL OR ANY OTHER SUCH ACTION WHERE INVOLVED PARTIES PERFORMS AS A REPRESENTATIVE. APPLICABLE LAW MAY LIMIT THIS CLASS ACTION WAIVER, BUT IT IS MEANT TO BE APPLIED TO THE FULLEST EXTENT OF THE LAW.

PLEASE TAKE NOTICE THAT THIS CONSENT IS DEMANDED BY ONE OR MORE OF THE LENDERS TO WHOM YOU WILL BE REFERRED. IT DOES NOT GOVERN ANY COMMUNICATIONS FROM THE OWNER OF THIS WEBSITE.WE MAKE NO REPRESENTATIONS AS TO WHAT IF ANY COMMUNICATIONS YOU WILL RECEIVE FROM SUCH LENDER OR IF THIS NOTICE IS EFFECTIVE FOR SUCH COMMUNICATIONS. THE OWNER OF THIS WEBSITE GENERALLY AND SPECIFICALLY DISCLAIMS ANY AND ALL LIABILITY FOR USE OF THIS CONSENT DOCUMENT.

CONSENT FOR ELECTRONIC SIGNATURES, RECORDS, AND DISCLOSURES ("E-Consent")

Please read this information carefully and print a copy and/or retain this information for future reference.

Introduction. In order to offer you a loan, one or more of the third party lenders need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent"). This form from such lender, notifies you of your rights when receiving electronic disclosures, notices, and information. By clicking on the link assenting to this notice, you acknowledge that you received this E-Consent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents ("Disclosures").

Option for Paper or Non-Electronic Records. You may request any Disclosures in paper copy by contacting the third party lender directly. The lenders will provide paper copies at no charge. The lenders will retain all Disclosures as applicable law requires.

Scope of Consent. The lender has informed us that this E-Consent applies to all interactions online concerning you and the third party lender and includes those interactions engaged in on any mobile device, including phones, smart-phones, and tablets. By exercising this E-Consent, the third party lender may process your information and interact during all online interactions with you electronically. The lender may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at our or third party lenders' websites, and may be provided by e-mail.

Consenting to Do Business Electronically. Before you decide to do business electronically with the third party lenders, you should consider whether you have the required hardware and software capabilities described below.

Hardware and Software Requirements. To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet, access to an e-mail account, and an Internet Browser software program that supports at least 128 bit encryption, such as Microsoft® Internet Explorer, Netscape® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader X ® or Foxit®. You will need a printer or a long-term storage device, such as your computer's disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the hardware and software requirements directly to the third party lenders.

Withdrawing Consent. Your E-Consent for our third party lenders' consideration of your matching request cannot be withdrawn because it is a one-time transaction.If you are matched with one or more third party lenders, you are free to withdraw your E-Consent with those third party lenders at any time and at no charge. However, if you withdraw this E-Consent before receiving credit, you may be prevented from obtaining credit from that lender.Contact the third party lender directly if you wish to withdraw this E-consent.If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic Disclosures will not be affected.

Change to Your Contact Information. You should keep third party lenders informed of any change in your electronic address or mailing address. You may update such information by logging into the third party lender's website or by sending the lender a written update by mail.

YOUR ABILITY TO ACCESS DISCLOSURES. BY CLICKING THE LINK, YOU ASSENT TO THE TERMS OF THIS DISCLOSURE . YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.

CONSENT. BY CLICKING THE LINK,YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH THE LENDER ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM THIRD PARTY LENDERS OVER THE INTERNET.

paydayloanspot.com holds its lenders up to a strict standard. We continually strive to make sure that all applicants have full information and disclosure before entering into a loan with any loan provider. While, each lender has their own respective practices and are controlled by their respective states, there are general rules of conduct for each lender to adhere to. This is to additional of any rules that can be enforced by their local government and from the federal Truth in Lending Act. The following are the guidelines for the lenders to adhere to.

Rules for responsible Lending:

• All communications with lenders are to be during normal hours.
• All communications between lender and client are to be deemed respectable
• There shall be full transparency with full disclosure.
• The Lender shall not engage in deceitful practices.

The Truth in Lending Act requires full disclosure of all loan fees and interest rates that borrowers may incur. All fees and rate information should be disclosed to you by your lender at the time of approval. Upon the conclusion of lender approval, most lenders will direct you to an e-signature page. This page is provided to you by the lender to which you were matched.

Apply for a loan onlineusing paydayloanspot.com does not cost anything. paydayloanspot.com is not a lender and does not provide lending services directly to consumers. Based on the information you submit, paydayloanspot.com searches our network of lenders to match you with the lender and loan that may be suited to your needs.

We at paydayloanspot.com are truly accountable for protection of you and your private information. Please study the following information to learn how we will protect your information during the process of handling and evaluating your credit history and financial standings for potential loan opportunities. This statement covers paydayloanspot.com only. If there are any advancements made in the means of protecting your information, those advancements will be added to the security portion of this statement to keep you abreast of how your data will be gathered and used.

Collection of Your Data

Any collection of data that is initiated on the paydayloanspot.com website is performed with your consent. We collect data and information to better serve you with opportunities for loans that you have expressed an interest in securing. The data may be used to enhance our ability to better present you with more fitting loan connections and to help you to better search for and locate more satisfactory opportunities in the area of loans or other offerings that you seek.

Information We Collect

We collect "Personally Identifiable Information" or aka "PII" that can identify you such as your first and last name, physical address, telephone number, cellular number, e-mail address and social security number, email address, date of birth, driver's license number and state, information about home ownership, employment information, active military information, amount and frequency of pay checks, and information about your banking account. In addition, "Non-Personally Identifiable Information" or aka "Non-PII" is collected which includes data about your online activity on our website that does not identify you and demographic data. The types of non-personally identifiable information that we collect (either directly, through the use of "cookies," explained in more detail below or through the use of a third party tracking system) include: the IP address of the computer making the request; your browser type and language; access times; information about areas of the site visited by users of the site; information about the links that users may select to visit on the site. IP addresses are not usually associated with your personal computer, but with a portal through which you accessed the Internet. IP addresses are not linked to personally identifiable information.

"PII" is collected when you provide it to us through your use of the paydayloanspot.com, for example, when you complete one or more pages of an application form to apply for a loan from a lender participating in our lender network or by sending inquiries to us via the website.

How We Use Personally-Identifiable Information

We use the personally-identifiable information you provide to us through paydayloanspot.com in order to deliver the products or services you have requested; provide you with customer support; verify or review your application information to determine whether it meets eligibility requirements for participating lenders; communicate with you by email, postal mail, telephone, text, SMS and/or mobile devices about products or services that may be of interest to you either from us, our marketing partners, or other third parties; display advertising tailored to your interests or background; perform data and statistical analysis on use of the web site; enforce our terms and conditions, and perform any other functions otherwise described to you at the time we collect the information.

We may review and use your financial information and your social security number to connect you with participating lenders in our loan network or other third party lenders with whom we have a business relationship. We may also review your financial information and social security number to verify your identity and protect you against a possible fraudulent transaction.

Sharing Your Personally-Identifiable Information

Any third parties with whom we share "PII" information may have their own policies which describe how they use and disclose your information. Those policies will govern the use, handling, and disclosure of your information once we have transferred or shared it with those third parties as described in this Policy or our Terms and Conditions

paydayloanspot.com may share your "PII" (including, without limitation, your financial account information and social security number) with lenders participating in our lender network and other third party lenders with whom we have a business relationship. These third party lenders may use your "PII" to offer you a personal loan or to communicate with you about other business or marketing offers. In addition, we may share your "PII" (including your financial account information and social security number) with unaffiliated third party marketers and list managers with whom we have a business relationship.

Cookies

Wherever it’s advantageous, such as on pages used to cull email addresses from users, cookies may be placed on your computer or mobile device. A "cookie" is a piece of information a web site sends to your computer while you are viewing the web site to remember who you are without personally identifying you. The function to make it easier for you to navigate the site and it allows us to cut down on distracting and unwanted information that you might otherwise receive. Thus, you must have cookies enabled on your machine. Many well-known sites, such as Yahoo! Or eBay may from time to time distribute cookies, as well. The goal is to help visitors who are using the sites to achieve a specific purpose, and to customize their experience on the site. You have the option of blocking or removing cookies at any time that you choose.

Use of Data

Be advised that we collect individuals’ data, and that may include email addresses. The purpose of which can be to communicate with you about your searches and inquiries and sending you updated information about the site.

Added Offers and Administration

Focusing on your information

Presenting your email, location and other information to third-parties who can provide offers like the ones you have applied for.

At times we may reveal user data that has been gathered from clients, both past and present. The data will be used in the following ways: if the client has acted in an unlawful manner; if the company is sold to another entity or is otherwise acquired; if government officials demand data through the power of a subpoena or other legal device, or is otherwise demanded by a legislative or law enforcement branch of the government.

When agreeing to this privacy policy you are consenting to present information recorded to or from a third-party when we, in our estimation, determine the communication of such information to be proper. That may include offering your email address to third parties for the purposes of advertising and for concealment of your email address in accordance with the provisions of the CAN-SPAM Act of 2003, as revised occasionally.

Assent

We at paydayloanspot.com make all reasonable efforts to ensure that users can see and understand how their information will be used. We acquire permission from clients and others on an as-needed basis to compile, use and review an individual’s data, with the exception of circumstances that are restricted by law. Should you choose to send your data to another entity that has advertised on our site, you do so with the understanding that we have no control over that organization’s policies. It is recommended that you read that company’s information to understand its regulations and to ensure that you agree to abide by their programs. paydayloanspot.com cannot be held responsible for activities of those site and the results of you efforts to make use of their services.

Log Files

We use log records, as is the case with most typical Web-based service sites. Log files incorporate IP (Internet protocol) addresses, ISPs )Internet service providers), date/time stamps. We also track users’ clicks on our website.

Opting Out

Subscribers typically receive messages that inform you about interesting and high-level opportunities and offers. If, by some chance, you prefer to not receive these kinds of messages, you can avoid receiving them by clicking the unsubscribe link at the bottom of all messages. We update our email database regularly, but it is possible that you may continue to receive email messages from us for as many as seven business days after unsubscribing.

Editing and Rewriting Your Information

If your personal contact information should change, such as your postal address, email or telephone number, you can update that information by sending us an email.

Data Breach

In accordance with federal and state laws, in the unlikely event that a data or security breach should occur, we will notify you and the appropriate authorities about the circumstances of the event. Notification will be sent by email.

Children's Privacy

We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen (13). We respect the privacy of children and we comply with the Children’s Online Privacy Protection Act (“COPPA”). You must be at least eighteen (18) years of age to obtain services from us.

By interacting with our website, you agree to receive SMS or autodialed marketing calls from, or on behalf of, one or more of our advertisers on your home or mobile phone. Please also note that consent is not a condition of purchase. Our list of advertisers and marketing partners is provided below: