TopGradePaydayLoans.com ("Company" or "we" or "our"), owns and operates the website
located at TopGradePaydayLoans.com, (the "Site").
Through the Site, Company operates a prospective customer data base (the "Service"),
by which it compiles, sorts and sells contact information to businesses on behalf
of individual consumers who have shown an interest in applying for a business' products
or services and has affirmatively asked to be contacted by a representative of a
product or service business.
Company utilizes third party vendors, third party affiliates, and a variety of media
advertisements to promote the Site to consumers interested in completing an online
application at our Site or to supplement our database by purchasing their database
of consumers who have completed applications on websites other than Company's and
have affirmatively requested receipt of information about product or service offerings
similar to those offered on Company's Site.
Company also promotes its product and service offerings via e-mail or telephone
to consumers who requested that they be contacted either through our online application
opt-in process via our Site or through an Opt-In process on one of our many vendor
or affiliate sites (List Members). List Members will then receive email or telephone
contacts.html only for so long as they wish to continue to receive such contacts.html.
List Members can get off our telephone and e-mail contact lists at any time, no
questions asked. You can remove yourself from further contact from Company by clicking
on the OPT-Out link contained in each e-mail, or by sending in your OPT-Out request
via e-mail info@TopGradePaydayLoans.com
If you choose to remove yourself from our contact list, if applicable, we will also
forward your name and contact information to the specific vendor or affiliate marketer
who provided your informational request to us so that they can include your name
on their do-not-contact list too. Please bear in mind that if your information was
purchased commercially from a third party vendor, Company may not be the only data
company your contact information was sold to. Additionally, our third party vendor
or affiliate may have purchased your contact information from someone else and thus
you may continue to receive contacts from those companies as well.
Company is not responsible for stopping all unwanted contacts from sources beyond
our immediate control.
Your privacy is our concern
We recognize the importance of protecting your personal information. 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 want consumers to feel comfortable using the Site and participating in the Service,
so we have created this Privacy Policy to let you know what information we may collect
from you on the Site and through the Service and how we may use that information.
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.
Minors
TopGradePaydayLoans.com does not knowingly collect personally identifiable information
from children under 18 years of age.
General information collection and use
TopGradePaydayLoans.com collects 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 by TopGradePaydayLoans.com 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 by TopGradePaydayLoans.com
to maintain and improve the quality of the service and to generate statistics regarding
use of the TopGradePaydayLoans.com site. TopGradePaydayLoans.com does not use third
party databases to correct or update the information you submit to us for any reason.
To maximum friendly our site usage you don't need to complete any registration forms.
Also we will not send you any information such newsletters or updates without your
personal request.
Choice/opt-out
Our site provides users the opportunity to opt-out of receiving communications from
us and our partners as previously described above. This site gives users the following
options for removing their information from our database to not receive future communications
or to no longer receive our service. You can send e-mail to info@TopGradePaydayLoans.com
Cookies
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.
Security
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.
Disclosure
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.
In addition, as noted above, if you opt-out of future contact from Company by using
the opt-out mechanism provided in each e-mail we send to you on behalf of a third
party service provider other than Company, we will provide your email address to
the third party service provider so that the third party service provider can add
your name and contact information to its own do-not-contact list.
As Company develops, we may buy other businesses or their assets or sell our business
assets. Customer information is generally one of the business assets involved in
such transactions. Thus, in the event that Company or all of its assets are acquired,
customer information, including any visitor information collected through the Site,
would be one of the transferred assets. For more information see our Notification
of Changes section below.
Finally, Company 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) Company FFFDs
rights or property, other visitors, members, or anyone else that could be harmed
by such activities. Company 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. Sharing information with affiliates When you submit your request for information
or quote, you are granting permission to be contacted by TopGradePaydayLoans.com or
affiliated third parties. We share the contact and loan request data you submit
on the Quote Request form and TopGradePaydayLoans.com account number information 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.
An affiliate company is a company under legal contract with TopGradePaydayLoans.com
to fulfill services or is a company owned in whole ore in part by TopGradePaydayLoans.com
Sharing information with co-branded partners 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 TopGradePaydayLoans.com. The Product or Service provider
shall control your data once submitted to them. For purposes of identification and
tracking, your contact information (name, Address, Phone, e-mail address, etc.)
is shared with TopGradePaydayLoans.com.
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 our
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.
Do Not Call Registry Compliance:
By submitting personal contact and/or financial information, the user hereby grants
written permission to TopGradePaydayLoans.com its affiliated sites, and its business
partners for contact via telephone, mail, and/or e-mail. Further, by registering
at TopGradePaydayLoans.com you are consenting to receive phone calls from TopGradePaydayLoans.com,
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.
Our former customers
We treat information about our former customers in the same manner as we treat information
about our current customers.
Confidentiality and security
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.
Site and service updates
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.
Notification of changes
If at any point we decide to use personally identifiable information in a manner
materially different from that stated at the time it was collected, we will prominently
post a notice on the website for 30 days. We may also make a reasonable effort to
notify users by way of an e-mail. Users have a choice as to whether or not we use
their information in this materially different manner.
Correct / Update Information
If you would like to verify any data that we have received from you, make any corrections
or disable the use of your personal information, please contact us at
info@TopGradePaydayLoans.com
Apply now and see just how smooth and quick our payday loan program works.
