Privacy Policy

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Privacy Policy

Effective Date: February 5, 2024

This Privacy Policy (the “Policy”) applies to the pitriloans.com website (the “Website”). It tells users (“you”) of the Website and the services it provides about the information collected by the Website and how the Website uses and shares this information.

The Information We Collect

pitriloans.com collects both information that may identify a particular individual (“Personally Identifiable Information”) and anonymous information that cannot be associated with a specific individual (“non-Personally Identifiable Information”) from or about users of its websites.

Personally Identifiable Information

pitriloans.com  collects Personally Identifiable Information when you provide it through your use of the Website, such as by completing one or more stages of an online registration (a “Registration”) requesting a loan offer from a lender participating in pitriloans.com’s lender network (a “Lender Partner”) or by sending questions to pitriloans.com via the Website. The types of Personally Identifiable Information pitriloans.com collects include: name, physical address, telephone number, social security number, email address, date of birth, driver’s license number and state, information about home ownership, citizenship status, employment information, active military information, amount and frequency of pay checks, and information about your banking account.

Non-Personally Identifiable Information

The types of non-Personally Identifiable Information that pitriloans.com collects (either directly, through the use of “cookies,” or through the use of a third party tracking system) include: the IP address of the computer making the request; your browser type and language; access times; information about areas of the site visited by users of the site; information about the links that users may select to visit on the site. IP addresses are not usually associated with your personal computer, but with a portal through which you accessed the Internet. IP addresses are not linked to Personally Identifiable Information. A “cookie” is a piece of information a website sends to your computer while you are viewing a website to remember who you are without personally identifying you.

pitriloans.com may share this non-Personally Identifiable Information with its suppliers and other third parties for the purpose of website statistical and trend analysis. This information is not linked to any Personally Identifiable Information.

Information Collected by Third Parties

pitriloans.com may allow third parties, including advertising partners and personal loan lenders, to display advertisements on the Website. These companies may use tracking technologies, including cookies, to collect information about users of the Website who view or interact with these advertisements. pitriloans.com does not provide Personally Identifiable Information to these third parties.

How We Use Personally Identifiable Information

pitriloans.com uses the Personally Identifiable Information you provide through the Website in order to deliver the products or services you have requested; provide you with customer support; communicate with you by email, postal mail, telephone, and/or mobile devices (including through short messaging services, or “SMS”) about products or services that may be of interest to you either from pitriloans.com, Lender Partners, other third party lenders, pitriloans.com’s marketing partners, or other third parties; display advertising tailored to your interests or background; perform data and statistical analysis on use of the website; enforce pitriloans.com’s terms and conditions, and perform any other functions otherwise described to you at the time pitriloans.com collects the information.

pitriloans.com may review and use your financial information and your social security number to connect you with Lender Partners or other third party lenders with whom pitriloans.com has a business relationship. pitriloans.com may also review your financial information and social security number to verify your identify and protect against possible fraudulent transactions.

Sharing Your Personally Identifiable Information

pitriloans.com may share your Personally Identifiable Information (including, without limitation, your financial account information and social security number) with Lender Partners and other third party lenders with whom pitriloans.com has a business relationship. These third party lenders may use your Personally Identifiable Information to offer you a personal loan or to communicate with you about other business or marketing offers. In addition, Lpitriloans.com may share your Personally Identifiable Information (including your financial account information and social security number) with unaffiliated third party marketers and list managers with whom pitriloans.com has a business relationship.

Any third parties with whom pitriloans.com shares Personally Identifiable Information may have their own policies which describe how they use and disclose your information. Those policies will govern the use, handling, and disclosure of your information once pitriloans.com has transferred or shared it with those third parties as described in this Policy or the pitriloans.com Terms and Conditions.

pitriloans.com will disclose your Personally Identifiable Information in response to a subpoena or similar investigative demand, a court order, or a request for cooperation from a law enforcement agency or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. pitriloans.com will disclose your Personally Identifiable Information when pitriloans.com believes disclosure is necessary to investigate, prevent, or take action regarding illegal activity, suspected fraud, or other wrongdoing; to protect and defend the rights, property, or safety of pitriloans.com’s parent company, its employees, its website users, or others; or to enforce the Terms and Conditions or other agreements or policies.

In addition, pitriloans.com may transfer Personally Identifiable Information to an entity acquiring all or substantially all of its parent company’s stock or assets.

Links to Third Party Websites

pitriloans.com may provide links or automatically redirect you to third party websites that do not operate under this Policy. For example, if you click on an advertisement presented on our site, you may be taken to a website that pitriloans.com does not operate or control. You should review the privacy statements and terms of use of all third party websites you access. These third party websites may independently solicit and collect information from you. On occasion, those third party websites may provide pitriloans.com with information about your use of those sites.

Changes

The Website’s policies, content, information, promotions, disclosures, disclaimers and features may be revised, modified, updated, and/or supplemented at any time and without prior notice at pitriloans.com’s sole and absolute discretion. Changes to this Policy will be posted on the Website and pitriloans.com will revise the “Effective” date at the top of this policy. You should review this Policy each time you access the Website. If pitriloans.com makes any material changes in the way it collects, uses, and/or shares personal information that may impact you, pitriloans.com will notify you by prominently posting notice of the changes on this website.

Children’s Privacy

The Website is not intended for use by anyone under the age of 18 or the age of majority in your jurisdiction. pitriloans.com does not knowingly collect Personally Identifiable Information from children under the age of 18.

Security

pitriloans.com has put in place physical, procedural, and technological security measures to help prevent unauthorized access to and improper use of the information pitriloans.com collects online. For example, only authorized employees and authorized third parties are permitted to access Personally Identifiable Information, and they may do so only for permitted business functions. No website or Internet network can be completely secure. Although pitriloans.com takes steps to secure your information, pitriloans.com does not guarantee, and you should not expect, that your personal information, searches, or other communications will always remain secure.

Accessing Your Personally Identifiable Information

If you would like to review and/or request changes to the Personally Identifiable Information that pitriloans.com has collected about you through your use of the Website, please contact pitriloans.com by writing or sending email to the addresses below.

Privacy Rights of California Residents: Companies that collect Personally Identifiable Information from California residents and disclose such information to third parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt out of having his or her information shared with third parties.

California residents are also entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to [email protected].

Contact Us

If we need, or are required, to contact you concerning any event that involves your information, we may do so by email, telephone, or mail. If we need, or are required, to contact you concerning any event that involves your information, we may do so by email, telephone, or mail.

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APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% and 1386%, APRs for installment loans range from 6.63% to 225%, and APRs for personal loans range from 4.99% to 450% and vary by lender. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The APR is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. APR rates are subject to change.

Here's a quick example:

You borrow $1,000 with an APR of 3% over 3 years (assuming an annual APR calculation).
Year 1 interest: 1,000 x 0.03 = 30 and 30 + 1,000 = 1,030
Year 2 interest: 1,030 x 0.03 = 30.9 and 30.9 + 1,030 = 1061
Year 3 interest: 1,061 x 0.03 = 31.83 and 31.83 + 1,061 = 1,092.83 In total, you'll pay back $1,092.83 at the end of the finance period.

For peace of mind, and to ensure you know what you're going to pay, ask your lender exactly what fees are included in the APR figure they offer you.

Material Disclosure. The operator of this website is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $1,000 for cash advance loans, up to $5,000 for installment loans, and up to $35,000 for personal loans. Not all lenders can provide these amounts and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan and is not an offer to lend. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan, including APR. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, register for credit or any loan product, or accept a loan from a participating lender. Cash transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. Be sure to review our FAQs for additional information on issues such as credit and late payment implications. These disclosures are provided to you for information purposes only and should not be considered legal advice. Use of this service is subject to this site’s Terms of Use and Privacy Policy.

Exclusions. Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, New Hampshire, Vermont and West Virginia are not eligible to use this website or service. The states serviced by this website may change from time to time, without notice.

Credit Implications. The operator of this website does not make any credit decisions. Independent, participating lenders that you might be connected with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. The short-term loans are not a solution for long-term debt and credit difficulties. Only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans. Late Payments of loans may result in additional fees or collection activities, or both. Each lender has their own terms and conditions, please review their policies for further information. Nonpayment of credit could result in collection activities. Each lender has their own terms and conditions, please review their policies for further information. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender’s renewal policy.

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