NOTICE: PRIVACY POLICY UPDATED, EFFECTIVE December 31, 2008

This Privacy Policy explains our views and practices concerning privacy, and how they may pertain to you as a user of our system.

"You" or "Your" means you, a participant in or as a user of the MyPaydayAdvanceNow.com program.
"We" or "Our" or "Us" means My Payday Advance Now. "Our Website" also means MyPaydayAdvanceNow.com.

All information transmitted, printed or otherwise submitted to MyPaydayAdvanceNow.com through this Website remains your property; however, My Payday Advance Now will be free to use that information for any lawful purpose as detailed below.

This Website contains links to other websites. MyPaydayAdvanceNow.com is not responsible for the privacy practices or the content of such sites.

Section 1
Collected Information

MyPayDayAdvanceNow.com automatically collects and/or tracks the following information:

 1. Information knowingly provided by you through online forms, registration forms, surveys and/or other entries, such as your name, street address, e-mail address, telephone number (home, work and mobile), date of birth, Social Security Number, bank account information, information relating to monthly income, employment information, and other personal, financial or demographic information;
 2. Web page http headers (home server domain names, IP address, type of client computer, type of Web browser and operating system);
 3. Information – user-specific or aggregate – concerning the pages our visitors access and referring URLs; and
4. The e-mail addresses of visitors who communicate with My Payday Advance Now.com via e-mail.

Submitting information to us is voluntary. However, if you would like to receive information on a loan-related product from one of our affiliated third party loan providers (“Affiliated Loan Providers”), you must submit the required information, even if you do not actually enter into a formal application with any Affiliated Loan Provider.

Please note: We may also collect your personally identifiable information when you submit information at the Website but do not complete the full registration process.

Section 2
Use of Data Collected

We use the information we collect to enhance your experience at our Website and to help us to offer content we determine may be of interest to you. We use your contact information to offer you promotional material from our partners. We may also use your personal, demographic, and profile data to improve our Website, conduct statistical analysis, and for marketing, promotional, editorial, or feedback purposes. Information collected by us may be added to our databases and used for future e-mails or postal mailings of products and services.

Section 3
Disclosure of Data to Third Parties

By using this Website, you agree that you may be contacted in any manner contemplated in this section even if your number is found on a do-not-call registry or similar registry. If you choose to provide personal information, it will be used for and/or shared with trusted third parties such as Affiliated Loan Providers and/or other financial service providers, credit bureaus, and for marketing products and services that you might find of interest. We reserve the right to share, rent, sell or otherwise disclose your information with/to third parties in accordance with applicable laws. These third party businesses may include, but are not limited to: providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation; e-mail marketers; and telemarketers.

The information we collect may be added to our databases and used for future telemarketing, SMS text-messaging, e-mails or postal mailings regarding site updates, new products and services, upcoming events, and/or status of orders and/or loans placed online.

We may also employ other companies and individuals to perform certain functions on our behalf. Examples may include sending direct mail and e-mail, removing duplicate information from customer lists, analyzing data, and providing marketing analysis. These agents have access to our users’ personal information as needed to perform their functions for My Payday Advance Now.com, but we do not permit them to use our users’ personal information for other purposes.

By agreeing to this Privacy Policy, you authorize us to use your information to obtain other information about you (for example, your Social Security Number) from third-parties when the information was incompletely or improperly filled out on our registration form. Third-parties include, but are not limited to, consumer reporting agencies, consumer credit bureaus and other outside parties, as permitted or required by applicable laws. Any and all personal and/or sensitive information that we collect from you as part of your loan application, and from such third-parties, will be used to determine your eligibility for a loan, should you qualify. If you choose to provide information, such as your Social Security Number, we may use that information to determine your financial status. If you do not provide such information, we may also use other information that you provided for the purpose of verifying your eligibility for a loan or for any other programs, offer, or services. Upon qualification, your ultimate loan-specific financial information will be stored and utilized by your applicable lender in accordance with the terms of that lender's Privacy Policy.

In Addition, My Payday Advance Now reserves the right to release current or past user information under the following conditions:

   * (1) My Payday Advance Now believes that the service and/or Website is being or has been used in violation of the Website’s Terms and Conditions or to commit unlawful acts,
  * (2) if the information is subpoenaed,
  * (3) if My Payday Advance Now is sold or acquired, or
  * (4) when My Payday Advance Now.com deems it necessary or appropriate. By agreeing to these conditions, you hereby consent to disclosure of any record or communication to any third party, when 1hourcashloans.com, in its sole discretion, determines the disclosure to be appropriate including, without limitation, sharing your e-mail address with other third-parties for suppression purposes in compliance with the CAN-SPAM Act of 2003, as amended from time to time, and Federal Trade Commission enabling regulations.

By submitting your information at the Website, you agree to receive mobile marketing including, but not limited to, text-message based marketing from us and our third party advertisers and marketers. Notwithstanding that your mobile telephone number may be listed on state and/or federal do-not-call registries, we retain the right to contact you via text message-based marketing, in accordance with applicable state and federal law. In addition, by registering and/or using the Website, you agree that such act constitutes an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule (16 CFR §310 et seq.), as amended from time to time (the "Rule"). Even though your telephone number may be listed at the Federal Trade Commission’s Do-Not-Call List, we retain the right to contact you via telemarketing, in accordance with the Rule.

Section 4
Information Collection Processes

My Payday Advance Now may employ "cookies" to help customize your access to the Website. A cookie is a piece of data stored on your hard drive containing information about you. Cookies have many benefits to enhance your experience at our Website. For instance, by setting a cookie on our Website, a user would not need to log in with a password more than once, thereby saving time while on our Website. Even in the case where a user rejects a cookie, they may still use our Website. The only drawback to this is that the user will be limited in what he/she can access in some areas on our Website, much like visitor-level access.

We may occasionally use cookies to anonymously track and target the interests of our users to further enhance the experience on our Website. We may also use cookies for advertising tracking purposes. To find out more about cookies, please visit www.cookiecentral.com.

In addition to cookies, our Website pages and/or e-mails may contain electronic images known as “pixel tags” (also known as clear gifs) to track the pages that visitors and/or users visit at the Website for purposes of formatting future campaigns and upgrading visitor information used in reporting statistics. Pixel tags from third parties may also be present on our Website to help determine the effectiveness of a joint promotional or advertising campaign.

Section 5
Your Opt-Out Rights

You may opt-out of receiving communications from us and or our third-party partners by not submitting your information. However, during registration and/or when you submit personally identifiable information to us at the Website, you have opted-in to request that we share your personal information with third parties to receive marketing communications. When contacted by any of these companies or third parties, you should notify them directly of your choices regarding their use and sharing of your information. As noted, we use personal information to provide promotional offers by e-mail to our Website users. My Payday Advance Now.com may prepare and use separate e-mail lists for different purposes. If e-mail recipients wish to end their e-mail subscription from a particular list, they need to follow the instructions at the end of each e-mail message to unsubscribe from the particular list. To opt-out from receiving any additional e-mail communications regarding the Website, please send your request in writing via e-mail to My Payday Advance Now.

In addition to cookies, our Website pages and/or e-mails may contain electronic images known as “pixel tags” (also known as clear gifs) to track the pages that visitors and/or users visit at the Website for purposes of formatting future campaigns and upgrading visitor information used in reporting statistics. Pixel tags from third parties may also be present on our Website to help determine the effectiveness of a joint promotional or advertising campaign.

In addition, if you subsequently sign up at one of our other websites for other product or service offerings, you will need to again address any information sharing preferences that you had previously established through this Website.

Section 6
Third Party Sites

In certain circumstances, My Payday Advance Now.com acts as a limited agent for the actual third party lender or seller of the products and/or services available at or through the Website. In these circumstances:

   (a) you will be redirected to the applicable third party lender’s or seller’s website after you have completed the application page;
  (b) we will collect and send your personal information to the respective third party lender or seller in connection with completing your application or purchase from the third party lenders or seller, as applicable; and
  (c) your application or purchase will subject you to the third party lender’s or seller’s privacy policy, as applicable.

We do not endorse and are not responsible for the accuracy of the privacy policies and/or terms and conditions of each of the third party lenders or sellers that may advertise at the Website. The entities that advertise and/or place banner ads at the Website including, but not limited to, these third party lenders and sellers, are independent third parties and are not affiliated with us, and we do not necessarily endorse the use of such third parties' services or products.

Section 7
Your Rights to Your Personal Data

Upon receiving your request via postal mail or e-mail, we will provide you a summary of personal information retained by us. We will only send your personal records to your e-mail address or postal address that we have on file for you. To modify, correct, change, update or remove your personal record from our database, click here or send your request via e-mail to: My Payday Advance Now

Section 8
Our Commitment to Children's Privacy

Protecting the privacy of children is especially important. For this reason, we never collect or maintain personal information at our website from those whom we know are under the age of 18 years old. In the event that information is inadvertently collected from children, it will not knowingly be used for any marketing or promotional purposes whatsoever, either inside or outside of our website. If we obtain actual knowledge that such information has been collected, that information will be immediately deleted from our database. The information and services provided by us or our affiliates, sponsors, and advertisers are not intended to be viewed by persons under 18 years old. It is your responsibility, if you are under 18 years old or the parent or guardian of someone under 18 years old, to ensure that no one under 18 uses this Website.

Section 9
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.

Section 10
Security

All information collected is stored in a technically and physically secure environment. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, we cannot ensure or warrant the security of any information that you transmit to us, and you do so at your own risk. Once we receive your transmission, we make reasonable efforts to ensure its security on our systems. Access to this information is strictly limited, and not accessible to the public. All of our users' information is restricted in our offices. Only employees who need the information to perform a specific job are granted access to personal information. Our employees are dedicated to ensuring the security and privacy of all user information, to the extent reasonably possible. Employees who do not adhere to our firm policies are subject to disciplinary action. In compliance with applicable federal and state laws, we shall notify you and any applicable regulatory agencies in the event that we learn of an information security breach with respect to your personal information. You will be notified via e-mail in the event of such a breach. Please be advised that notice may be delayed in order to address the needs of law enforcement, determine the scope of network damage, and to engage in remedial measures.

Section 11
Our Right to Change

We reserve the right to change this policy at any time. If changes are made, we will notify you of the existence and location of the new or revised privacy policy or by posting the changes online at our Website. All changes will take effect immediately upon their posting on our Website. Please check this page periodically for changes. Your continued use of the My Payday Advance Now.com service, Website or receipt of our e-mails following the posting of changes to this Policy will mean that you accept any and all such changes and that you agree to continue receiving marketing from us and other third party companies.

Section 12
Our Contact Information

If you have any questions about this Privacy Policy, the practices of this Website, or your dealings with this Website, you can contact us via e-mail sent to:My Payday Advance Now.

Section 13
Information for ISPs

Web site: MyPaydayAdvanceNow.com
Company Name: Star Financial, Inc
E-mail Address: admin@mypaydayadvancenow.com

My Payday Advance Now understands consumers' concerns over the use of their personal information. We hope this information will relieve any concerns that your company may have regarding our e-mail policies.
My Payday Advance Now and its affiliated sites use only an "opt-in or opt out" method of obtaining customer information, and it is not our policy to send unsolicited e-mail. We obtain e-mail addresses and personal information from third parties that follow the same set of policies.

My Payday Advance Now e-mail messages sent include the following information about the origin of the e-mails and include instructions on how recipients can unsubscribe from receiving future e-mail messages:

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This site is owned and operated by Star Financial, Inc. To remove your name from our records and no longer receive information from us, please OPT-OUT HERE: http://mypaydayadvancenow.com/unsubscribe.jsp

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From time to time, My Payday Advance Now will enter into an arrangement with a third party website to allow individuals to opt into our marketing program on those third party websites. In each case, the third party websites have represented and warranted to us, among other things, that the data was collected voluntarily from individuals on website registrations and co-registrations, that the sellers have a right, under any applicable privacy policies, to transfer the data to us, and that My Payday Advance Now.com has the right to send marketing offers to the individuals. We hope this information satisfies any questions or concerns you may have regarding the e-mail practices of My Payday Advance Now If you have additional questions or wish to discuss this matter further, please contact us at My Payday Advance Now.

*Service Member and Covered Borrower Indentification Statement  and  **  Website Terms of Use