PersonalMoneyService (“the company”) owns and operates the site personalmoneyservice.com (“the website”, “the site”). The database of the customers is not operated by the company through the site. The owner of PersonalMoneyService.com is not a lender. He doesn’t make credit decisions. Individuals performing their interest in applying for financial services offered by the company and those who have affirmatively requested to get contacted by the business representatives are offered lenders participating in the network of the company that is neither an agent of any financial service provider nor a representative of any product. The company utilizes media advertisements to promote the site for individuals interested in filing the application form on the site.

Consumer Privacy

The company understands the importance of securing the information provided by consumers on the site. PersonalMoneyService processes requests of the customers for financial services to direct lenders, thus the company have no access to the database of consumers. Only personal loan lenders can view the information provided by the customers. This Privacy Policy was written to inform consumers about the main function of the company. Every individual willing to participate in the service held via website should take a moment and read the terms of our Privacy Policy as the use of the website ite and its service constitutes the agreement to accept the terms performed in this Privacy Policy.
The lenders receiving customer information from the company don’t accept data from children under 18 years.

General Information

 The PersonalMoneyService website is a mediator between direct lenders and potential personal loan borrowers. As an individual submits the online application, the data is sent to the lender who informs the applicant about the credit decision.
It is not required to fulfill the registration form to use the site. The company doesn’t send any newsletters or updates to its customers. The content published on the site may be used to learn about the services performed by the lenders.

Cookies

Cookies are the pieces of information which are stored on the hard drive of the user’s computer. The personally identifiable information is not tied to the cookie use while on the site. Individuals may refuse the cookies and still use the site, although the ability to access certain features may be lost.

Links

The site contains links to other web sites, therefore the users should be aware that the company has no responsibility for the practices of these web sites. It is advisable to learn the privacy statement of every site.

Security

The company uses security technologies to keep personal information secured from unauthorized use, access, disclosure. When the private data is sent to the lenders over the Internet, it is protected by the certain encryption, such as Secure Socket Layer (SSL) protocol.

Disclosure

The Company can’t totally ensure that the data provided by the customers will never be disclosed in ways not otherwise explained in this Privacy Policy. Under certain circumstances (if required by the law, for example) the government can force the company’s owner to disclose some data. The company reserves the right to disclose the data of the customers in case of an outstanding reason to consider that disclosing of particular details is needed to identify, contact or bring legal action against a person who may cause injury to or interference with the rights or property of the company, other members, visitors or anybody else who may be either intentionally or unintentionally hurt by such activities.
Sharing Information
The consumer data and loan requests are shared only with the direct lenders who keep it protected and safe for sure. Even the operator of the Website doesn’t have any access to the individual information provided by the customers in the online application form. Submitting the personal and/or contact details, the user of the Website constitutes his/her permission to the payday lenders cooperating with the Company to contact them as for the issues related to the loan requests and lending process itself. Thus, applicants waive their right to file any claims concerning these contacts to the Federal Trade Commission (FTC) or any other agency.
Confidentiality and Security
The Company maintains procedural, electronic and physical safeguards which comply with the federal standards to keep individual nonpublic information protected against unauthorized access and/or use.