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.
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.
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 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.
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.
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.