Privacy Policy

Welcome to http://cheaploansdirectory.com (hereinafter “Company”). This Privacy Policy is an Agreement between Company and You (hereinafter “You” and/or “Your”) as the user of this website (hereinafter “Site”) and Company’s services and governs Company’s collection, use, and protection of the personal information submitted by You to this Site.

Please be sure to read this Agreement in its entirety before using this Site.

By using this Site You acknowledge You have read, understand, and agree without limitation or qualification to be legally bound by this Privacy Policy and Company’s Terms & Conditions of Use..

If You do not agree to these terms, do not use this Site or Company’s services.

Collection of Information

By and through Your access to and use of this Site, use of Company’s services (“Company’s services”), or through other channels, Company collects a variety of information. Some information is collected through Your submission of information when You register for Company’s services. Any use of Company’s services is entirely voluntary. You are not required to provide such information to Company unless You choose to register for Company’s services. Other information is collected by virtue of Your access to and/or use of this Site, which includes without limitation Internet Protocol address, browser type, location information, and date and time of access and/or use. The information collected by virtue of Your access to and/or use of this site may be collected irrespective of whether You submit information to register for Company’s services. This Privacy Policy applies to all information, howsoever collected.

Personally Identifiable Information

Some of the information You must provide to register for Company’s services may include Personally Identifiable Information (PII). PII is unique data about an individual used for identification and communication purposes. PII includes without limitation name, Social Security number, driver’s license and other identification numbers, citizenship, birth date, home and personal cell telephone numbers, personal email address, mailing and home address, financial information, and employment information. If You do not provide requested PII, You will not be able to access and/or use Company’s services where such information is required.

Non-Personally Identifiable Information

Some information You must provide to register for Company’s services, or which may be collected by virtue of Your access to and/or use of this Site, may include non-Personally Identifiable Information (non-PII). Non-PII includes without limitation Internet Protocol address, browser type, operating system type, and Internet Service Provider.

Cookies

This Site employs the use of Cookies to enhance Your user experience. Cookies are data sent to Your computer when You visit a website. Cookies allow this Site to recognize Your browser and store Your preferences. Cookies, by themselves, do not provide Company with Your PII. You can disable Cookies through the settings on Your Internet browser. However, if You disable Cookies, You may not be able to access or use certain features of this Site or Company’s services. Company has no access to or control over third party Cookies technology.

Use & Sharing of Information

You understand and expressly authorize Company to share any and all information collected from and/or submitted by You on this Site with its affiliates and other interested third parties in accordance with all applicable laws and as described elsewhere herein. You understand and expressly authorize third party lenders participating in Company’s network of interested lenders to use any and all information collected from and/or submitted by You on this Site to contact you via email, telephone, and/or mobile device (including by automated dialing and/or pre-recorded or artificial voice) to assist You with Your payday loan inquiry.

You understand and expressly agree that by submitting Your information on this Site to register for Company’s services, You expressly authorize and willingly request Company, its affiliates, and other interested third parties to contact you via email, telephone, and/or mobile device (including without limitation by automated dialing and/or pre-recorded or artificial voice) to communicate information about promotions, offers, products, or services in which You might be interested (notwithstanding that Your contact information may be listed on a corporate, state, or federal Do-Not-Contact registry or the like). You understand and expressly agree that by willingly requesting and expressly authorizing Company, its affiliates, and other interested third parties to contact you via email, telephone, and/or mobile device (including without limitation by automated dialing and/or pre-recorded or artificial voice), you thereby waive your right to file a claim or complaint with the FTC, FCC, or any other federal or state agency with regard to such contact.

Company reserves the right to share any and all information collected from and/or submitted by You on this Site: (a) where required by law, warrant, subpoena, or legal process or requested by a court of competent jurisdiction, governmental authority, or quasi-governmental authority; (b) in the event of Company’s bankruptcy, or if Company is sold or acquired; (c) where You are in violation of this Privacy Policy or the Terms & Conditions of Use.; (d) to prevent, address, or remedy fraud, security, or technical issues, which necessarily may include without limitation the exchange of such information with trusted third parties for fraud prevention purposes; (e) to improve the design and content of this Site; or, (f) where Company determines such disclosure is necessary to protect the rights of Company and/or a third party, or to shield Company from liability of any kind.

Security of Information

Company employs a series of physical and electronic security measures and procedures to safeguard the security and integrity of Your personal information from unauthorized access, use, destruction, or disclosure both online and offline. For example, Company has managerial security measures in place wherein access to and use of Your personal information is limited. As for technical security measures, Company secures data transmission with Secure Socket Layer (SSL) encryption software, limits access to data storage with password protection, and stores data on secure servers and computers.

Please note that although Company takes all reasonable precautions to protect you data, no data storage or data transmission’s security is guaranteed. Accordingly, Company cannot, and does not, represent, warrant, or guarantee the complete security of any data storage or data transmission. You understand and agree that Your access to and/or use of this Site, and/or Your use of Company’s services which necessarily includes data storage and data transmission is done at Your own risk.

In the event of any known data security breach with respect to Your PII, Company will notify You and relevant regulatory agencies as may be required by applicable law. Such notice to You may be in the form of email. Be advised that notice to You may be delayed to address the needs of law enforcement, to determine the scope of the breach, and/or to employ certain remedial measures.

Unsubscribe

You may choose to unsubscribe from receipt of communications concerning information about promotions, offers, products, or services in which you might be interested from Company, its affiliates, or other interested third parties at any time. To do so, You must follow the instructions to unsubscribe at the bottom of any such email communication or contact Company directly expressing Your desire to unsubscribe via certified mail to 16350 Ventura Blvd., Suite D #821, Encino, CA, 91436; or via email at admin@ameriadvance.com . All requests to unsubscribe from receipt of such communications from Company are added to Company’s Do-Not-Contact list within ten (10) days of receipt.

You cannot unsubscribe from service announcements, which contain important information about Company’s services. If You unsubscribe from receipt of communications concerning information about promotions, offers, products, or services in which you might be interested from Company, You may continue to receive such communications from third parties with which You have already subscribed. Requests to unsubscribe from receipt of such communications from third parties must be communicated directly to such third parties. Company is not responsible for stopping all unwanted communications from sources beyond Company’s control.

Notwithstanding the foregoing, You understand and expressly authorize Company, its affiliates, and other interested third parties to again contact you via email, telephone, and/or mobile device (including without limitation by automated dialing and/or pre-recorded or artificial voice) to communicate information about promotions, offers, products, or services in which You might be interested (notwithstanding that Your contact information may be listed on a corporate, state, or federal Do-Not-Contact registry or the like) should You resubmit Your information on this Site to register for Company’s services.

SMS Marketing Opt-In

You understand and agree that by voluntarily opting-in to mobile marketing and submitting Your information on this Site to register for Company’s services You expressly authorize and willingly request Company, its affiliates, and other interested third parties to send text-message based communications (“SMS Messages”) to Your mobile device. You further understand and expressly agree that based on Your individual carrier and plan, SMS Message and data rates may apply, and that You are solely responsible for such charges. You further understand and expressly agree that by expressly authorizing and willingly requesting Company, its affiliates, and other interested third parties to send you SMS Messages, you thereby waive your right to file a claim with the FTC, FCC, or any other federal or state agency with regard to such contact.

You represent and warrant to Company that You are eighteen (18) years of age or older, that You own or are authorized to use the mobile device to which such SMS Messages may be sent, and that You are authorized to approve any applicable charges. You expressly authorize Company, its affiliates, and other interested third parties to send SMS Messages to Your mobile device, (notwithstanding that Your contact information may be listed on a corporate, state, or federal Do-Not-Contact registry or the like).

SMS Marketing Opt-Out

You understand and agree that You must follow the opt-out procedures indicated in a given SMS Message (including without limitation by texting “STOP”) if You choose to no longer receive SMS Messages from that individual sender. All requests to unsubscribe from receipt of SMS Messages from Company are added to Company’s Do-Not-Contact list within ten (10) days of receipt. If You unsubscribe from receipt of SMS Messages from Company, You may continue to receive SMS Messages from third parties with which You have already subscribed. Requests to unsubscribe from receipt of SMS Messages from third parties must be communicated directly to such third parties. Notwithstanding the foregoing, You understand and expressly authorize Company, its affiliates, and other interested third parties to again send You SMS Messages should You resubmit Your information on this Site to register for Company’s services (notwithstanding that Your contact information may be listed on a corporate, state, or federal Do-Not-Contact registry or the like).

Access to Personally Identifiable Information

Company retains the information collected by and through Your access to and/or use of this Site and/or Your use of Company’s services as needed to perform Company’s services, comply with Company’s legal obligations, resolve disputes, and/or enforce Company’s agreements. If You wish to update or delete Your PII, You may communicate Your desire to do so to Company via certified mail to 16350 Ventura Blvd., Suite D #821, Encino, CA, 91436; or via email to admin@ameriadvance.com .

Third Party Links

This Site may contain links to third party websites. You understand and agree that Company is not responsible for the privacy policies and practices of such third party websites, and this Privacy Policy does not apply to Your access to and/or use of such third party websites and/or third party products or services. This Privacy Policy applies solely to information collected by Company, even where Company may frame another website with its own. You are encouraged to be aware when You leave this Site and to read the privacy policy of each and every website that collects PII. Company is not liable for Your access to and/or use of such third party websites and/or third party products or services, and Your access to and/or use of such third party websites and/or third party products or services are at Your own risk.

Children’s Privacy

This Site is a general audience website and is not specifically designed for or targeted to children. Company does not knowingly collect, use, or share any PII from children under the age of thirteen (13). If Company becomes aware that PII regarding a child under the age of thirteen (13) has been inadvertently collected at this Site, Company will use such information for the sole purpose of contacting a parent or guardian of the child to obtain verifiable parental consent. If Company cannot obtain consent after a reasonable period of time, or if when contacted a parent or guardian request that Company not use or maintain such information, Company will make reasonable efforts to delete it from its records. Upon request by a parent or guardian, Company will provide a description of the specific types of PII collected from a child who is under the age of thirteen (13).

Modification

Company reserves the right to modify this Privacy Policy or any additional terms that apply to this Site or Company’s services. Company will post notice of any such modifications to this Privacy Policy and any additional terms that apply to this Site or Company’s services in a clear and conspicuous manner to this Privacy Policy, the Company homepage, and any other place Company may deem appropriate. Any such modifications shall take effect immediately. If You do not agree to any such modified terms, do not use this Site or Company’s services.

Headings

The headings for sections contained herein are for convenience only and shall not affect the meaning of the provisions of this Privacy Policy.

Company’s Contact Information

Comments, questions, or concerns about this Privacy Policy or Company’s privacy practices may be directed to Company via certified mail to 16350 Ventura Blvd., Suite D #821, Encino, CA, 91436; or via email to admin@ameriadvance.com .