Privacy Policy

This Privacy Policy explains our practices concerning privacy and how they may pertain to you as a user of our Website and Services. All information transmitted, printed, or otherwise submitted to Lender via this website shall be deemed to be the property of Lender and its affiliates. We shall be free to use such information for any lawful purpose as detailed herein. We reserve the right to release such information to law enforcement or other governmental officials as we, in our sole and absolute discretion, deem necessary to comply with the law. Your use of this Website and/or your use of First Day Loan services constitute your agreement with this privacy policy. This privacy policy was last updated on July 22, 2015.

What Is 'Personal Information'?

In this Privacy Policy, "Personal Information" refers to information that is gathered in connection with an application, pre-approval, loan or other product or service through, by and/or for First Day Loan (FDL).

What Information We Collect

We automatically collect and/or track the following:

  • Web page http headers (home server domain names, IP address, type of client computer, and type of Web browser);
  • Information provided by you through on-line forms, application forms, registration forms, surveys, and/or other entries, including but not limited to, your name, address, driver's license number or other government issued photo ID, social security number, e-mail addresses, assets and income;
  • Information, user specific or aggregate, on what pages our visitors access;
  • The e-mail addresses of visitors that communicate with us via e-mail;
  • Information about your transactions with Lender, its affiliates or others, such as payment history and loan balances; and
  • Information we receive from third parties, such as consumer reporting agencies and other lenders, regarding creditworthiness and credit history.

How We Use That Information

We use your personal, demographic and profile data to enhance your experience at our website and to enable us to present content we think you might be interested in. We use your contact information to send you information about our company and promotional material from our partners.

We may also use your personal, demographic and profile data to improve our website, for statistical analysis, for marketing and promotional purposes, and for editorial or feedback purposes for our advertisers. Information collected by us may be added to our databases and used for future e-mails or postal mailings regarding site updates, new products and services, upcoming events, and/or status of orders placed online.

Collection and Use of Bank Account Information for Purposes of Collecting Loan Payments

If we extend credit to you, we will consider the bank account information provided by you as eligible for us to process payments against. In addition, as part of our information collection process, we may detect additional accounts owned by you. We will consider these additional accounts to be part of the application process and eligible for payment retrieval.

Disclosure of Data to Third Parties

If you choose to provide personal information, it will be used for the following purposes:

  • Considering your application for a loan or collecting any loan which is in default; and
  • For marketing products and services which we determine, in our sole discretion, may be of interest to you.

We may sell, rent, lease or otherwise provide the personal information that you supply to us to or with any third party and we may work with other businesses to bring selected retail opportunities to our users. These businesses and third parties may include, but are not limited to: (a) providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation; (b) e-mail marketers; (c) telemarketers (where permitted by applicable law); (d) SMS text-based marketers (where permitted by applicable law); and (e) direct marketers.

We may also employ other companies and individuals to perform certain functions on our behalf. Examples include sending direct and electronic mail, removing duplicate information from user lists, analyzing data and providing marketing analysis. The agents performing these limited functions on our behalf shall have access to our users' personal information as needed to perform their functions for us but we do not permit them to use your personal information for other purposes.

Third Party Websites

Our Website may provide and/or refer you to links to other Internet websites and/or resources including, but not limited to, websites operated by Third Party Providers. Because we have no control over such third party websites and/or resources, you hereby acknowledge and agree that we are not responsible for the availability of such third party websites and/or resources. Furthermore, we do not endorse, and are not responsible or liable for, any terms and conditions, privacy policies, content, advertising, services, products and/or other materials at or available from such third party websites or resources, or for any damages and/or losses arising therefrom.

Our Right to Contact You

We reserve the right to contact you regarding your account status and changes to subscriber agreements, privacy policy, or any other policies or agreements relevant to you and/or your loan.

Our Right to Change This Policy

We reserve the right to change this policy at any time by notifying you of the existence and location of the new or revised privacy policy or by posting the changes online at our website.

We Do Not Intend to Collect Data From Children

The information and services provided by us or our affiliates, sponsors, and advertisers are not intended to be viewed by children (under 18 years old). No information collected from children is knowingly used for any marketing or promotional purposes whatsoever by Lender or its affiliates.