Privacy Policy

Payday Loans appreciates the importance of privacy to all of our web-site visitors. We are committed to protecting your privacy and ensuring that use of our web-site and its facilities is a safe and rewarding experience.

Collection of Information

Our primary purpose in collecting your personal information and other data is to provide you with our services as a credit provider and assist you in preparing your application for a loan. You must not give us inaccurate or incorrect information, or omit to provide us with information as we may not be able to provide you with our services.

We collect and/or track the following types of personal information:

• The personal information you provide to us through our on-line forms and surveys including your name, address, occupation, age, gender, your e-mail addresses, bank account details, income details, and other financial information.
• Information about your transactions with us or others, such as payment history and loan balances, and information you provide when you contact our customer service department.
• Information we receive from third parties, such as credit bureaus, consumer credit reporting agencies and other lenders, regarding creditworthiness and credit history.
• Information we receive from other third parties, such as lead providers and others.

We collect the following types of website related information:

• Information in relation to your web page “http headers” and home server domain names, IP address, the type of computer you are using, and the type of Web browser you are using.
• We also collect information, on what pages visitors to our website access. This information can be both user specific or collected in aggregate.
• We receive and store certain types of information, ie “cookies”, whenever you interact with our website. It helps us monitor which sections of the site are most popular and gives us a clear idea of what type of information and services to include on our site. It also informs us which members and subscribers are using the site, which further helps us to customise our on-line information.
• The email addresses of visitors that communicate with us via email.
• To ensure that we are providing materials of interest to you, we may monitor whether you opened a particular email or have clicked on the images and/or links therein.
• Your telephone calls to us may also be monitored and recorded for quality assurance and training purposes.

Use and Disclosure of Information

We use your personal information and other data provided to us to assess and process your application for our credit product and assist you in obtaining a loan. We also use your personal information and other data to enhance your experience at our website, and to transmit marketing communications. We may also use your personal information and other data for such purposes as processing payments, updating our account records, arranging for your repayments, improving our website, conducting statistical analysis and for editorial or feedback purposes for our advertisers.

When you provide your personal information and other data, you are consenting to sharing it with our third parties for the following purposes:

• Third Party Service Providers: We contract with service providers to perform certain functions on our behalf. Examples include database providers who assist in identity verification, credit scoring and credit reporting companies, debt collectors, and lead providers. Their access is limited only to the personal information and other data needed to perform their functions, and only for the purpose of performing those functions.
• Fraud Prevention: If false or inaccurate information is provided, including in relation to a person’s identity and fraud is identified, details about this information, including customer personal information and any other relevant data, will be passed to fraud prevention and law enforcement agencies. Law enforcement and fraud prevention agencies may access and use this information.
• Direct marketers: The contents of our customer database is only shared with carefully selected 3rd parties who may email you from time to time with other financial offers that may be suitable to you. By providing us with your email address, you give your consent to us using this information as described. If you prefer not to receive 3rd party information, or information from us, you may opt out at anytime by using the “unsubscribe” function available in the marketing emails that are sent to you. If you opt-out of our use of your personal information for marketing purposes, we will honour such choice once we have had a reasonable opportunity to process your request.

How we Handle Email

We will preserve the content of any e-mail that you send us if we are legally required to do so. Where appropriate, we may record your e-mail address against the relevant company name on our confidential customer database.

Security of Information

Payday Loans has taken all reasonable care to preserve the security of personal information submitted via the Payday Loans web site. Payday Loans is committed to regularly reviewing developments in security and encryption technologies. As no data transmission over the Internet can be guaranteed as totally secure, Payday Loans cannot guarantee the security of any information you transmit to us or from our online products or services and you do so at your own risk.

Upon receiving your transmission, we ensure the necessary steps are taken to preserve the security of the information in our customer database.

Access to your personal information

We are required by law to give you access to information that we hold about you upon your request. Please contact our Quality Manager on fastcash@paydayloans.com.au for access requests and other privacy related queries. Please note there may be limited circumstances where we are prohibited by law to give you access to the information we hold about you.

Third party Websites

Links contained in the Website might lead to other websites not under our control, and we accept no liability for the content or availability of any linked site which is not operated by us or any link contained in a linked site not operated by us. Links on the Website are provided to you only as a convenience and the inclusion of any link does not imply reliability and we do not necessarily endorse any pages linked to the Website. Accordingly, you should read the terms and conditions of those websites before using them and direct any questions or comments about the linked website’s contents to the relevant website provider.

Trademarks and copyright

All copyright, trade marks and all other intellectual property rights in the Website and its content (including without limitation the pages screens, information and material) included in the Website and all software and source codes connected with the Website (“Intellectual Property”) is owned by Payday Loans or its related companies unless otherwise noted. Any use of the Intellectual Property without Payday Loans express permission is prohibited.