Who we are
Our website address is: https://1stpaydayloans.com.
What personal data we collect and why we collect it
When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.
If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.
Visit our contact form and send us a message. We’ed love to hear from you.
If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
Who we share your data with
Data is shared with a select group of online lenders. These lenders are monitored for their professionalism, quality, lending ability and credibility.
How long we retain your data
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that apply for a loan on our website (if any), we store the personal information they provide in their user profile. All their personal information is deleted once their loan is repaid. Website administrators can also see, edit and delete that information. Anyone who applies that is not approved gets their personal information deleted within 24 hour from the time they applied. When we refer to personal information we mean; SSN, Income and Bank Information. All other information may be saved indefinitely.
What rights you have over your data
If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
Where we send your data
Visitor comments may be checked through an automated spam detection service. Loan applications are supplied to our select group of lenders.
Your contact information
Your contact information may be retained indefinitely.
How we protect your data
All data is transferred across the internet in an encrypted format. All stored data is kept behind both a software and a hardware firewall.
What data breach procedures we have in place
Since we don’t keep SSN, Income or Bank Information there is not much left of great value. However, we are diligent in keeping up with the latest in data protection software and hardware.
What third parties we receive data from
We do not receive data from third parties, however, our lenders do and therefore you must discuss with them what third parties they use or receive data from.
What automated decision making and/or profiling we do with user data
We do not do automated decision making or profiling. However, we reserve the right to change this policy without user notification.
Industry regulatory disclosure requirements
We meet all industry regulatory disclosure requires issued by the CFPB.