Privacy Policy
This Privacy Policy explains how paydayloanschattanooga.com ("Site," "we," "us," or "our") collects, uses, discloses, and protects personal information when you visit or use the Site. By using the Site or submitting information, you acknowledge the practices described in this Privacy Policy.
paydayloanschattanooga.com is not a lender and does not make credit decisions, approve or deny loan requests, set loan terms, or fund loans. The Site provides an online connecting service that allows consumers to submit a loan request and access lenders or lending partners in a network. Any loan offer, approval decision, loan amount, rate, fee, repayment term, verification requirement, or funding timing is determined by the lender or lending partner and may vary based on individual circumstances and applicable law.
Information We Collect
Depending on how you use the Site, we may collect personal information that you provide directly, information collected automatically, and information received from service providers or other permitted sources.
Information you provide may include your name, email address, telephone number, mailing address, date of birth, employment details, income information, pay frequency, requested loan amount, loan purpose, housing information, and other information submitted through a loan request.
Where necessary for the requested service, information may also include sensitive personal information such as Social Security number, driver's license information, bank account details, routing information, or similar financial and identification data.
We may collect records of communications, consent choices, form submissions, marketing preferences, and interactions with the Site.
We may also automatically collect technical and usage information such as IP address, browser type, device type, operating system, pages viewed, referring information, timestamps, cookie identifiers, and similar data.
How We Use Information
We may use personal information to operate, maintain, secure, and improve the Site; process and route loan requests; provide access to lenders or lending partners in a network; communicate with users; verify information; help detect and prevent fraud; maintain security; analyze Site usage and performance; maintain consent records; comply with legal obligations; enforce applicable terms; protect our rights and users; and carry out other purposes disclosed at the time information is collected or with appropriate consent.
How We Disclose Information
When you submit a loan request, information may be transmitted or routed to one or more lenders, lending partners, network participants, or service providers so that a recipient may review the information and determine whether to offer a loan or other relevant option. Approval is not guaranteed.
We do not control a lender's eligibility criteria, credit verification practices, rates, fees, repayment terms, documentation requirements, approval decisions, or funding timing. Requirements and outcomes vary by lender and individual circumstances.
We may disclose information to service providers that support website hosting, data processing, communications, analytics, fraud prevention, security, technical operations, consent management, and other business functions.
We may disclose information when reasonably necessary to comply with applicable law, legal process, governmental requests, regulatory obligations, or to protect the rights, property, safety, or security of the Site, users, or others.
Information may also be transferred in connection with a merger, acquisition, financing, reorganization, sale of assets, or similar business transaction, subject to applicable law.
We may disclose information when you direct us to do so, provide consent, or request a service that reasonably requires disclosure to another party.
Sale or Sharing of Personal Information
Depending on applicable state law, certain disclosures of personal information to lenders, lending partners, network participants, marketing providers, advertising providers, or other third parties may be considered a "sale," "sharing," or disclosure for targeted advertising purposes.
Where applicable law provides such rights, you may request to opt out of certain future sales, sharing, or targeted advertising uses by contacting us at [email protected]. Eligible requests will be processed as required by applicable law.
Certain disclosures may still be permitted or required where necessary to provide a service you requested, process or route a loan request, maintain security, prevent fraud, comply with law, or carry out other legally permitted purposes.
Sensitive Personal Information
Information submitted through a loan request may include sensitive personal information. We may use or disclose such information as reasonably necessary to process and route your request, provide the requested service, verify identity, maintain security, prevent fraud, comply with legal obligations, or carry out other disclosed purposes with appropriate consent.
We do not make lending decisions. A lender or lending partner that receives your information may conduct its own verification procedures and may obtain or review credit information as permitted by applicable law and applicable authorizations. Some lenders may request additional information or documentation.
Cookies and Similar Technologies
We may use cookies, pixels, log files, and similar technologies to operate the Site, remember preferences, maintain security, understand Site usage, measure performance, support analytics, prevent fraud, and evaluate marketing activities.
You may be able to manage cookies through your browser or device settings. Blocking or deleting certain cookies may affect the availability or functionality of parts of the Site.
Your Privacy Rights
Depending on your state of residence and the applicability of relevant privacy laws, you may have rights concerning your personal information. These may include the right to confirm whether personal information is processed, request access, request correction, request deletion, obtain a portable copy of certain information, opt out of certain sales or sharing, opt out of qualifying targeted advertising or profiling activities, limit certain uses of sensitive personal information, appeal certain privacy request decisions, and exercise applicable rights without unlawful discrimination.
Privacy rights are not absolute and may be subject to exceptions. For example, information may need to be retained or processed to comply with law, prevent fraud, maintain security, complete a requested service, establish or defend legal claims, enforce agreements, or carry out another legally permitted purpose.
How to Exercise Your Privacy Rights
To submit a privacy request, contact us at [email protected] and clearly describe the nature of your request.
We may request sufficient information to identify relevant records and take reasonable steps to verify your identity before completing a request. Information collected for verification will be used to process and protect the request.
Where permitted by applicable law, an authorized agent may submit a request on your behalf. We may request reasonable evidence of the agent's authority and may verify your identity directly.
Communications Choices
Where you have consented to receive marketing communications, you may use the available unsubscribe or opt-out method provided with the communication. Opting out of marketing communications does not necessarily prevent service-related, transactional, legal, or security communications.
Data Retention
We retain personal information for as long as reasonably necessary for the purposes described in this Privacy Policy, including processing requests, maintaining records, resolving disputes, preventing fraud, enforcing agreements, protecting legal rights, and complying with applicable obligations.
Retention periods may vary depending on the type of information, purpose of processing, operational needs, contractual requirements, and applicable law.
Data Security
We use reasonable administrative, technical, and organizational measures designed to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure.
However, no method of transmission over the Internet, electronic storage system, or security measure can guarantee absolute security. Users should take reasonable precautions when transmitting personal information online.
Third-Party Services
The Site may interact with services operated by lenders, lending partners, network participants, service providers, or other third parties. We are not responsible for the privacy, security, actions, or inactions of any lender or other independent third party. Their handling of personal information may be governed by their own policies and practices.
Before accepting any loan offer, carefully review the lender's complete terms and conditions, including rates, fees, repayment obligations, late-payment consequences, renewal policies, and potential credit score impact. Short-term loans can be expensive financial products and should be used responsibly.
Children's Privacy
The Site and its loan request services are intended for adults and are not directed to individuals under 18 years of age. We do not knowingly collect personal information through the loan request process from individuals under 18.
If we learn that personal information has been collected from an individual under 18 in circumstances where collection was not appropriate, we may take reasonable steps to delete the information, subject to applicable legal obligations.
Consent and Related Terms
By submitting your information, you confirm that you have read, understood, and agree to the Privacy Policy, Terms of Use, E-Consent, Responsible Lending, and Marketing Practices.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, services, business operations, or legal requirements. When changes are made, the updated version will include a revised "Last Updated" date. Additional notice may be provided where required by applicable law.
Contact Us
For questions about this Privacy Policy, our information practices, or a privacy request, contact us at [email protected].