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 and 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.
The lenders receiving customer information from the company don’t accept data from children under 18 years.
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.
Personally Identifiable Information
1. Collection. The data collected through the application form on the site includes the customer’s name, e-mail address, physical address, credit card details, social security number, telephone number, and bank account details. This data is collectively referred to as “personal information”. IP addresses, type of operating system and Web browser, type of a computer used, and all other data relating to the pages accessed by the visitors is also collected. The website is intended for the customers to submit an online form with their personal information to get connected with the direct service providers and also to get information on finance-related options. The customers need to submit the requested details to be considered by one of the third-party lenders. In case the customer doesn’t finish the complete informational process, any personally identifiable information provided can also be collected for use. No details will be knowingly gathered from children under 13.
2. Use. The main reason to collect personal data is to better provide the requested service. The obtained details are transferred to the lenders participating in the network. The consumer information may be used to address technical problems, resolve disputes or enforce agreements with the customers. The use of personal data is limited to what is deemed necessary for providing the services. Personal information can be used to provide advertisements for services or/and products for which a customer has shown his/her interest. The company reserves the right to share, sell or otherwise disclose your information to third parties.
By providing the personal information, the customers agree that it can be used to obtain other details about the customer from third-parties in case the data was incompletely or improperly submitted in the online form; share it with reliable third parties including affiliated loan providers, credit bureaus, and/or other providers of finance-related options according to the applicable law; and for other marketing services and products which might be determined as interesting to the customers.
3. Sharing. The services offered on the website are provided by the third parties. The company reserves the right to share some non-public data with these parties in order to provide better service to the customers. Such information may be also shared with any agency with which the company has marketing relationship and with consumer reporting agencies including related organizations. Consumer personal data is shared with the affiliates, assignees and participating lenders whenever it is deemed necessary.
4. Protection. Any financial information provided in the online application form or sent to the direct lender is protected and encrypted with SSL. The company makes reasonable efforts to store the collected information in a physically and technically safe environment, but still, the customers transmit any information at their own risk.
When the customer provides his/her personally identifiable information on the website, he/she automatically opts-in. Submitting the form on the site means that the customer requests his/her information to be shared with the third parties.
If the customer receives marketing communications or is otherwise contacted by the third parties, he/she must directly notice them how he/she prefers his/her information to be used and shared.
The customer can opt-out of any further email communications using the unsubscribe button or sending your request via email.
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.
The site uses Google Analytics and Google Tag Manager – a web analysis service. The information utilized by Google is gathered in order to track and examine the use of the site and can be shared with other Google services. To learn more details on the way the Google uses/shares personal data and to read about any choices the visitors of the website have regarding their personal data, visit the official Google website at https://policies.google.com/technologies/partner-sites
The site contains links to other websites, therefore the users should be aware that the company has no responsibility for the practices of these sites. It is advisable to learn the privacy statement of every site.
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 certain encryption, such as Secure Socket Layer (SSL) protocol.
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.