Your Privacy Matters: This Privacy Policy explains how GODS WILLING PAY DAY LOAN, INC collects, uses, and protects your personal information when you use our loan matching platform.
1. Information We Collect
Personal Information
When you apply for a loan through our platform, we collect the following types of information:
Contact Information:
- Full name and date of birth
- Home address and mailing address
- Phone numbers (mobile and home)
- Email address
Financial Information:
- Social Security Number
- Employment information and income details
- Bank account information
- Credit history and credit scores
- Existing debt obligations
Technical Information:
- IP address and device identifiers
- Browser type and operating system
- Website usage patterns and preferences
- Cookies and similar tracking technologies
Security Note: All sensitive financial information is encrypted using industry-standard 256-bit SSL encryption during transmission and storage.
2. How We Use Your Information
We use the information we collect for the following purposes:
Primary Services
- Loan Matching: To connect you with appropriate lending partners based on your financial profile
- Application Processing: To process and verify your loan application information
- Identity Verification: To confirm your identity and prevent fraud
- Credit Assessment: To evaluate your creditworthiness for our lending partners
Communication and Support
- To provide customer service and technical support
- To send application status updates and loan offers
- To respond to your inquiries and requests
- To provide important service announcements
Platform Improvement
- To analyze usage patterns and improve our services
- To develop new features and functionality
- To enhance security measures and fraud prevention
- To conduct research and analytics
3. Information Sharing and Disclosure
Lending Partners
We share your information with our network of licensed lending partners to facilitate loan matching. This includes:
- Personal and financial information necessary for loan evaluation
- Credit reports and scores from credit bureaus
- Income and employment verification data
- Banking information for loan funding purposes
Service Providers
We may share information with trusted third-party service providers who assist in our operations:
- Credit Bureaus: For credit reporting and verification services
- Identity Verification Services: To confirm your identity and prevent fraud
- Technology Providers: For platform hosting, maintenance, and security
- Customer Service Partners: To provide support and assistance
Legal Requirements
We may disclose your information when required by law or to:
- Comply with legal processes, subpoenas, or court orders
- Respond to government requests or regulatory inquiries
- Protect our rights, property, or safety
- Prevent fraud or other illegal activities
We Never Sell Your Information: We do not sell, rent, or trade your personal information to third parties for marketing purposes.
4. Data Security and Protection
Security Measures
We implement comprehensive security measures to protect your information:
- Encryption: All data transmission uses 256-bit SSL encryption
- Secure Storage: Personal information is stored on encrypted, secure servers
- Access Controls: Limited access to personal information on a need-to-know basis
- Regular Audits: Periodic security assessments and vulnerability testing
- Employee Training: Regular privacy and security training for all staff
Data Retention
We retain your personal information for as long as necessary to:
- Provide our loan matching services
- Comply with legal and regulatory requirements
- Resolve disputes and enforce our agreements
- Maintain accurate business records
Typically, we retain application information for 7 years from the date of your last interaction with our platform.
5. Your Privacy Rights
You have several rights regarding your personal information:
Access and Portability
You have the right to request a copy of the personal information we hold about you and receive it in a commonly used, machine-readable format.
Correction and Updates
You can request corrections to inaccurate or incomplete personal information we have on file.
Deletion
You may request deletion of your personal information, subject to legal and business requirements.
Restriction of Processing
You can request that we limit how we use your personal information in certain circumstances.
Opt-Out
You can opt out of non-essential communications, though some service-related communications may still be necessary.
Exercising Your Rights
To exercise any of these rights, please contact us using the information provided at the end of this policy. We will respond to your request within 30 days.
6. Cookies and Tracking Technologies
Types of Cookies We Use
- Essential Cookies: Required for basic platform functionality and security
- Performance Cookies: Help us understand how visitors interact with our site
- Functional Cookies: Remember your preferences and personalize your experience
- Marketing Cookies: Used to deliver relevant advertisements (with your consent)
Managing Cookie Preferences
You can control cookie settings through your browser preferences. However, disabling certain cookies may limit platform functionality.
Cookie Notice: By continuing to use our platform, you consent to our use of cookies as described in this policy.
7. Third-Party Links and Services
Our platform may contain links to third-party websites or services, including our lending partners. This Privacy Policy does not apply to:
- Third-party websites or applications
- Social media platforms
- External service providers
- Advertising networks
We encourage you to review the privacy policies of any third-party sites or services you visit.
8. Children's Privacy
Our loan matching platform is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If we learn that we have collected information from a child under 18, we will delete that information immediately.
9. State-Specific Privacy Rights
California Residents (CCPA)
California residents have additional rights under the California Consumer Privacy Act:
- Right to know what personal information is collected and how it's used
- Right to delete personal information (with certain exceptions)
- Right to opt-out of the sale of personal information
- Right to non-discrimination for exercising privacy rights
Other State Rights
Residents of other states may have additional privacy rights under applicable state laws. Please contact us for more information about your specific rights.
10. International Users
Our services are primarily designed for U.S. residents. If you access our platform from outside the United States:
- Your information may be transferred to and processed in the United States
- U.S. privacy laws will govern the handling of your information
- You consent to such transfer and processing by using our services
11. Policy Updates
We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. When we make changes:
- We will post the updated policy on our website
- We will update the "Last Updated" date
- For significant changes, we may provide additional notice
- Your continued use of our services constitutes acceptance of the updated policy
Stay Informed: We recommend reviewing this Privacy Policy periodically to stay informed about how we protect your information.
Data Protection Commitment: Your trust is important to us. We are committed to protecting your personal information and maintaining the highest standards of data security and privacy protection.