Privacy Policy

1. Introduction

Net Pay Advance, Inc. ("NetPay Advance," "we," "us," or "our") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

By using our website or services, you consent to the practices described in this Privacy Policy. Please read this policy carefully to understand our views and practices regarding your personal information.

2. Information We Collect

2.1 Personal Information You Provide

When you apply for a loan or use our services, we collect the following types of personal information:

• Identity Information: Full name, date of birth, Social Security number, government-issued ID
• Contact Information: Address, phone number, email address
• Employment Information: Employer name, employment status, income details, pay frequency
• Financial Information: Bank account details, routing numbers, account numbers
• Loan Information: Loan amount requested, purpose of loan, repayment preferences

2.2 Information Collected Automatically

When you visit our website, we automatically collect certain information:

• Device Information: IP address, browser type, operating system, device type
• Usage Information: Pages visited, time spent on pages, links clicked
• Location Information: General geographic location based on IP address
• Cookies and Similar Technologies: Information collected through cookies, web beacons, and similar technologies

2.3 Information from Third Parties

We may obtain information from third-party sources, including:

• Credit Bureaus: Credit reports and credit scores (with your consent)
• Identity Verification Services: To verify your identity and prevent fraud
• Bank Account Verification Services: To verify your bank account information
• Public Records: Publicly available information as permitted by law

3. How We Use Your Information

We use your personal information for the following purposes:

3.1 Loan Processing and Service

• Evaluating your loan application and creditworthiness
• Processing and funding approved loans
• Managing your loan account and processing payments
• Communicating with you about your loan
• Collecting outstanding debts

3.2 Legal and Regulatory Compliance

• Complying with applicable laws and regulations
• Responding to legal processes and government requests
• Preventing fraud and identity theft
• Maintaining records as required by law

3.3 Business Operations

• Improving our website and services
• Conducting data analysis and research
• Providing customer support
• Sending administrative information and updates

3.4 Marketing and Communication

• Sending promotional materials about our products and services (with your consent)
• Conducting surveys and gathering feedback
• Personalizing your experience on our website

4. Information Sharing and Disclosure

We do not sell, rent, or share your personal information with third-party lenders or lead generators. However, we may share your information in the following limited circumstances:

4.1 Service Providers

We share information with trusted third-party service providers who assist us in operating our business, including:

• Payment processors and banking partners
• Credit reporting agencies
• Identity verification services
• Technology and hosting providers
• Customer service platforms
• Marketing and analytics providers

These service providers are contractually obligated to protect your information and use it only for the purposes we specify.

4.2 Legal Requirements

We may disclose your information when required by law or in response to:

• Court orders, subpoenas, or legal processes
• Government or regulatory requests
• Fraud prevention and law enforcement purposes
• Protection of our legal rights and property

4.3 Business Transfers

In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred to the acquiring entity, subject to this Privacy Policy.

4.4 With Your Consent

We may share your information with third parties when you have given us explicit consent to do so.

5. Data Security

We implement robust security measures to protect your personal information:

5.1 Technical Safeguards

• Encryption: We use 256-bit SSL encryption to protect data transmission
• Secure Storage: All data is stored on secure, encrypted servers
• Firewalls: Advanced firewall protection prevents unauthorized access
• Access Controls: Strict access controls limit who can view your information

5.2 Organizational Safeguards

• Employee training on data security and privacy
• Confidentiality agreements with all employees and contractors
• Regular security audits and assessments
• Incident response procedures

5.3 Your Responsibility

While we implement strong security measures, you also play a role in protecting your information:

• Keep your login credentials confidential
• Use a strong, unique password
• Log out after accessing your account
• Report suspicious activity immediately

6. Your Privacy Rights

You have certain rights regarding your personal information:

6.1 Access and Correction

You have the right to:

• Access the personal information we hold about you
• Request corrections to inaccurate or incomplete information
• Update your contact information and preferences

6.2 Deletion

You may request deletion of your personal information, subject to:

• Legal and regulatory retention requirements
• Legitimate business purposes
• Outstanding loan obligations

6.3 Opt-Out Rights

You can opt out of:

• Marketing communications
• Certain data sharing practices
• Non-essential cookies

6.4 Exercising Your Rights

To exercise any of these rights, contact us at:

• Email: privacy@netpayusadvance.com
• Phone: (888) 942-3320
• Mail: 3615 N Ridge Rd, Wichita, Kansas 67201

7. Cookies and Tracking Technologies

7.1 What Are Cookies?

Cookies are small text files stored on your device that help us improve your experience on our website.

7.2 Types of Cookies We Use

• Essential Cookies: Required for website functionality and security
• Performance Cookies: Help us understand how visitors use our website
• Functional Cookies: Remember your preferences and settings
• Marketing Cookies: Used to deliver relevant advertisements

7.3 Managing Cookies

You can control cookies through your browser settings. Note that disabling certain cookies may affect website functionality.

8. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to Know: Request information about the personal data we collect, use, and share
• Right to Delete: Request deletion of your personal information (subject to exceptions)
• Right to Opt-Out: Opt out of the sale of personal information (note: we do not sell personal information)
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights

To exercise your CCPA rights, contact us at privacy@netpayusadvance.com or call (888) 942-3320.

9. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child under 18, we will take steps to delete that information promptly.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. When we make changes, we will:

• Update the "Last Updated" date at the top of this policy
• Post the revised policy on our website
• Notify you of material changes via email or website notice

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

11. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us: