Privacy Policy

Our Company

This privacy policy applies solely to us and any personal information we may collect. We reserve the right to amend this privacy policy occasionally, with any changes posted on this website.

Why We Communicate with You

We, along with our panel of lenders and credit brokers, will keep you informed about your loan application process. Unless you explicitly opt out, we may contact you via telephone, SMS, post, email, and/or automated messages.

Lawful Basis for Collecting Your Personal Data

We process your personal data on several lawful bases:

  • Consent: By submitting your loan application on PaydayAlamo.org, you consent to being contacted by Payday Loans Alamo LLC and our panel of loan providers or credit brokers regarding your application. You may withdraw your consent at any time by clicking the “Unsubscribe” link in any marketing communication or by emailing our Data Protection Officer at webadmin@PaydayAlamo.org. Withdrawal of consent does not affect the legality of processing prior to withdrawal.
  • Contract: We process your data to fulfill our obligation to provide a loan quote based on your application.
  • Legitimate Interest: We have a legitimate interest in processing your data to share your application with our panel of loan providers and/or credit brokers to obtain the requested loan quote.

How We Communicate with You

We may contact you via telephone, SMS, post, email, and/or automated messages to provide information, loan application alerts, and notices. We may also receive personal data from third parties to offer products to potential customers who have expressed interest. We ensure the accuracy of this information and may verify it with you periodically.

Push Notifications

If enabled, we may send push notifications to your mobile device or web browser, which may include marketing messages from us or third parties. You can adjust your push notification settings in your browser’s or device’s notification settings.

Updating Personal Information

It is your responsibility to ensure that any personal information we retain is accurate and up-to-date. Please contact us promptly to update or correct your information.

Collecting Your Personal Information

You can browse PaydayAlamo.org without providing personal information. To secure a loan offer, we typically collect:

  • Name
  • Address
  • Residential status
  • Birthdate
  • Email address
  • Phone number
  • Income
  • Bank account details
  • IP Address
  • Website activity (to understand website usage)

We may also collect personal information if you contact us with inquiries or use our services. This information helps us respond to your queries and improve our services.

What Information We Collect

When applying for a loan online, we collect personal information to obtain loan quotes. We may store data about your website usage, pages viewed, referrals, application details, and financial information. This data helps us provide suitable loan quotes and improve your experience. We will not retain your information longer than necessary by law and will periodically review it.

Data Security

We prioritize the security of your information, using encryption and other protective measures. However, no data transmission over the internet can be completely secure. By using our website, you accept the risks associated with providing personal data online and agree not to hold us liable for any breaches.

Using Your Personal Information

We may use your personal information to:

  • Allow access to and use of our services
  • Improve and customize our services
  • Conduct market research
  • Contact you with information about services, products, and promotions
  • Provide loan quotes and process applications
  • Track sales and match data with other sources
  • Send customer feedback surveys
  • Share data with third parties for marketing purposes

Sharing Your Personal Information

By submitting a loan application, you consent to disclosing your personal information to:

  • PaydayAlamo.org for contacting you and improving your user experience
  • Lenders and credit brokers

We may also disclose information if required by law, in legal proceedings, or in connection with the sale of our business. Third-party providers may use your information to assess your situation and verify accuracy.

Your Rights and Freedoms

Under the Data Privacy Act, you have several rights:

  • Right to be informed: This privacy statement provides information about our data collection and processing practices.
  • Right of Access: You may request copies of your personal data, typically free of charge and within 30 days.
  • Right to Rectification: If your data is inaccurate, we will update it within 72 hours upon verification of your identity.
  • Right to Restriction of Processing: Processing will be restricted during any contestation of data accuracy or legal basis.
  • Right to Object: You can object to processing based on your rights and freedoms. Direct marketing objections will be addressed within 48 hours.
  • Right to Erasure: You can request deletion of your data, which we will adhere to within 72 hours, subject to legal requirements.
  • Right to Data Portability: You have the right to receive and transfer your personal data in a structured, machine-readable format within 72 hours.
  • Rights in relation to Automated Decision Making and Profiling: You can object to automated decisions and request human intervention or an explanation.

For any of these rights, please contact us. Verification of identity is required.

Retaining Your Personal Data

Retention periods vary based on the purpose of data collection:

  • Opt-out preferences are retained to respect your choices.
  • Application information is kept for a minimum of 6 years to assist with future complaints.

Opting-Out of Contact

You may opt out of future contact at any time via the unsubscribe link in marketing messages. Please allow up to 48 hours for processing.

Removing Your Personal Information

To request removal of your personal information, email webadmin@PaydayAlamo.org. We will inform our marketing partners of your request.

Complaints

If you have any complaints, please email webadmin@PaydayAlamo.org. We strive to ensure your satisfaction with our service.