Terms & Conditions

By accessing the cheaploansdirectory.com web site and using its services, you agree to be bound by the terms and conditions below. Please read these terms carefully. If you do not agree to these terms, do not access or use this web site.

cheaploansdirectory.com is not a lender or bank, is not a loan broker, and does not make any lending decisions. cheaploansdirectory.com does not constitute an offer or solicitation to lend. cheaploansdirectory.com will submit the information you provide to a lender, but does not guarantee you will be approved for a loan. cheaploansdirectory.com does not endorse any particular lender or charge you for any service or product. Most lenders provide payday loans up to $1,000. The maximum loan amount advertised may not be available at all lenders. Cash transfer timings depends on the lenders as well as your financial institution. Lenders may do a credit check on borrowers.

cheaploansdirectory.com does not guarantee users acceptance into any particular loan program or specific loan terms of conditions with any participating lender. cheaploansdirectory.com does not guarantee that the price, product, availability, rates, fees, or any other loan terms offered by lenders are the best terms available in the market. For questions regarding loans, please contact your lender directly.

cheaploansdirectory.com provides a free service for users. Submitting the quote-request form simply states that you wish for lenders to approve and contact you to discuss your loan options. You may ask further questions before agreeing to the loan terms, or withdraw your request if you choose.

Payday loans are designed for urgent needs and not used repeatedly for your financial problems. We encourage consumers to use these loans responsibly. If you cannot pay back your loan by the due date, contact your lender for a loan extension. Otherwise, your lenders may take legal action. This service may not be available to residents of some states.

As a condition of using this web site and/or the services offered herein, you agree to indemnify cheaploansdirectory.com and its participating lenders from and against any and all liabilities, expenses (including attorneys’ fees) and damages arising out of claims resulting from your use of cheaploansdirectory.com, including without limitation any claims alleging facts that if true would constitute a breach by you of these terms.

Privacy Policy

Your privacy is our concern. Please take a moment to review the terms of our Privacy Policy. By using the Site and participating in the Service, you agree to accept the terms of our Privacy Policy. If you do not agree to the terms of this Privacy Policy, please do not use the Site or participate in the Service.

We collect and retain information about you to communicate with you, to process your requests for products and services, and to inform you about other financial services that may be of interest to you through our news letter. Except as explained here in our Privacy Policy, we do not sell nonpublic personal information about current or former customers, nor do we share this type of information with anyone other than our affiliates. The examples in this Privacy Policy are illustrative only and are not intended to be exclusive.

We do not knowingly collect personally identifiable information from children under 13 years of age.

We collect information through the Site from our prospective and existing customers at several different points on our web sites. We use contact information to send information about our company and to service existing accounts. Users may opt-out of receiving future mailings; see the choice/opt-out section below. Contact and Financial information that is collected is used for verifying your name, address and other information. Not all information asked for on our site is required when you fill out our forms. Only Name, City, State, Address, Zip Code, Work Phone, Home Phone, Email Address, House Type, Current Value, Loan Amount Desired, 1st Mortgage Balance, Current Interest Rate, Current Payment, Are you Behind on Payments, Credit Rating, Place of Employment, Years Employed, Yearly Income, Loan Desired, and Best Time to Call. Information about your computer hardware and software is automatically collected and may be shared in aggregate with third parties whose services are used for traffic analysis purposes. This information includes: your IP address, browser type, domain names, access times and referring Web site addresses. This information is used to maintain and improve the quality of the service and to generate statistics regarding use of this web site.

A cookie is a piece of data stored on the user’s hard drive containing information about the user. Usage of a cookie is in no way linked to any personally identifiable information while on our site. If a user rejects the cookie, they may still use our site however without cookies the user may not have access to certain features on our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site. To do this we use a tracking utility service offered by Web Trends, Inc. All cookies served on the domain, both session and persistent are tied to the Personally Identifiable Information you provide. Some of our business partners use cookies on our site (for example, advertisers). However, we have no access to or control over these cookies once set on our site.
Links

This web site contains links to other sites. Please be aware that Company is not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by Company even in cases where we may frame another site with our own. From time to time we may co-brand certain services with third parties. It will be clear at the point of collection who is collecting such information and whose privacy statement governs. For example, without limiting the foregoing, we co-brand with insurance brokers, credit reporting agencies and, automotive companies.

We use a variety of security technologies and procedures to help protect your personal information from unauthorized access, use, or disclosure. For example, we store the personal information you provide on computer systems with limited access, which are located in controlled facilities. When we transmit highly confidential information (such as a credit card number) over the Internet, we protect it through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

We cannot ensure that all of your private communications and other personally identifiable information will never be disclosed in ways not otherwise described in this Privacy Agreement. By way of example (without limiting the foregoing), we may be forced to disclose information to the government or third parties under certain circumstances as required by law, third parties may unlawfully intercept or access transmissions or private communications.

We reserves the right to disclose member information in special cases when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) our rights or property, other visitors, members, or anyone else that could be harmed by such activities. We also reserves the right to disclose visitor or member information when we believe in good faith that the law requires it.

We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our Web site.

When you submit your request for information or quote, you are granting permission to be contacted by this web site or affiliated third parties. We share the contact and loan request data you submit on the Quote Request form with affiliated companies such as banks, commercial lenders and licensed loan brokers to fulfill information requests we receive from you, to provide you with superior service, inform you of product and service opportunities that may be of interest to you, and for other business purposes, we may disclose all of the information we collect, as described above, to the following types of affiliated companies: financial service providers, such as mortgage and life insurance agencies, title service companies, debt & credit services companies and auto finance companies.

Some of the services offered on our website are co-branded with contracted partners. Co-Branded offerings will be identified directly on the Quote Request form for the product or service you choose prior to you having to submit the Quote Request. Where a co-branded product or service provider is identified your Personally Identifiable information will be provided directly to that providers website, not this web site. The Product or Service provider shall control your data once submitted to them.

We may use personal information to provide the services you’ve requested, including services that display customized content and advertising. In addition to any fee of which you are notified, your provider’s standard messaging rates apply to the confirmation and all subsequent SMS correspondence. You may opt-out and remove your SMS information by sending “STOP”, “END”, “QUIT” to the SMS text message you have received. If you remove your SMS information from our database it will no longer be used by us for secondary purposes, disclosed to third parties, or used by us or third parties to send promotional correspondence to you.

By submitting personal contact and/or financial information, the user hereby grants written permission to this web site, its affiliated sites, and its business partners for contact via telephone, mail, and/or e-mail. Further, by registering at this web site you are consenting to receive phone calls from this web site, its affiliated sites, and its business partners for contact via telephone, including but not limited to lenders that may contact you regarding a loan and thereby registrants waive their right to file a claim with the FTC or any other agency in reference to these calls or contacts.

We treat information about our former customers in the same manner as we treat information about our current customers.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information against unauthorized access or use.

Maintaining the accuracy of your information is a shared responsibility. We maintain the integrity of the information you provide us and will update your records when you notify us of a change. Please contact us at the address or phone number listed below when information concerning you changes.

We will send the user site and service announcement updates. Members are not able to un-subscribe from service announcements, which contain important information about the service. We also communicate with user to provide requested services and in regards to issues relating to the account via e-mail or telephone when requested.