Privacy Policy

Last Updated 10/8/2020

This Privacy Policy ("Policy") applies to the AssurancePayDay.com web site. It tells users ("you" or "applicant") of the web site and the services provided therein about the information collected by AssurancePayDay.com and how AssurancePayDay.com uses and shares this information. The AssurancePayDay.com web site is operated by Fast Flash Marketing, LLC. All references below to AssurancePayDay.com or "we" include Fast Flash Marketing, LLC.

Types of Information We Collect

AssurancePayDay.com collects both "personally identifiable information" and "non-personally identifiable information" from or about users of its web sites.

Personally Identifiable Information

AssurancePayDay.com collects several types of information that may identify a particular individual ("personally identifiable information"). We collect personally identifiable information when you provide it to us through your use of the site, such as by completing one or more stages of an application form to apply for a loan from a lender participating in our lender network ("participating lenders") or by sending questions to us via the web site. The types of personally identifiable information we collect 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

Non-personally identifiable information is anonymous information that cannot be associated with a specific individual. The types of non-personally identifiable information that we collect (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 web site sends to your computer while you are viewing the web site to remember who you are without personally identifying you.

AssurancePayDay.com may share this non-personally identifiable information only in summary form with its suppliers and other third parties for the purpose of web site statistical and trend analysis. This information is not linked to any personally identifiable information that can identify an individual person.

Information Collected by Third Parties

We may allow third parties, including advertising partners and personal loan lenders, to display advertisements on our site. These companies may use tracking technologies, including cookies, to collect information about users of our site who view or interact with these advertisements. AssurancePayDay.com does not provide personally identifiable information to these third parties.

How We Use Personally-Identifiable Information

We use the personally-identifiable information you provide to us through this site in order to deliver the products or services you have requested; provide you with customer support; verify or review your application information to determine whether it meets eligibility requirements for participating lenders; communicate with you by email, postal mail, telephone, and/or mobile devices about products or services that may be of interest to you either from us, our marketing partners, or other third parties; display advertising tailored to your interests or background; perform data and statistical analysis on use of the web site; enforce our terms and conditions, and perform any other functions otherwise described to you at the time we collect the information.

We may review and use your financial information and your social security number to connect you with participating lenders in our loan network or other third party lenders with whom we have a business relationship. We may also review your financial information and social security number to verify your identify and protect against possible fraudulent transaction.

Sharing Your Personally-Identifiable Information

AssurancePayDay.com may share your personally-identifiable information (including, without limitation, your financial account information and social security number) with lenders participating in our lender network and other third party lenders with whom we have 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, we 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 we have a business relationship.

Any third parties with whom we share 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 we have transferred or shared it with those third parties as described in this Policy or our Terms and Conditions.

AssurancePayDay.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. We will disclose your personally-identifiable information when we believe 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 our company, our employees, our web site users, or others; or to enforce our website terms and conditions or other agreements or policies.

In addition, in the event that all or substantially all of AssurancePayDay.com's stock and/or assets are transferred or sold to another entity, AssurancePayDay.com may transfer personally-identifiable information to the acquiring entity.

Links to Third Party Web Sites

We may provide links or automatically redirect you to third party web sites 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 web site that AssurancePayDay.com does not operate or control. You should review the privacy statements and terms of use of all third party web sites you access. These third party web sites may independently solicit and collect information from you. On occasion, those third party web sites may provide us with information about your use of those sites.

Changes

AssurancePayDay.com'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 the sole and absolute discretion of AssurancePayDay.com. Changes to this Policy will be posted on the AssurancePayDay.com web site and we will revised the "last updated" date at the top of this policy. You should review this Policy each time you access the web site. If we make any material changes in the way we collect, use, and/or share personal information that may impact you, we will notify you by sending an email to the email address you most recently provided to (unless we do not have an email address for you) and/or by prominently posting notice of the changes on this web site.

Children's Privacy

Our web site is not intended for use by children under the age of 13. We do not knowingly collect personally-identifiable information from children under the age of 13.

Security

AssurancePayDay.com has put in place physical, procedural, and technological security measures to help prevent unauthorized access to and improper use of the information we collect 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 web site or Internet network can be completely secure. Although we take steps to secure your information, we do not guarantee, and you should not expect, that your personal information, searches, or other communications will always remain secure.

California Disclosures

California Law requires us to provide certain disclosures to users of this Website, namely residents of the State of California.

Shine the Light Disclosure. Civil Code Section 1798.83 permits California residents that use this Website to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us at compliancedept@leadflash.com

Do Not Track Disclosures. Business and Professions Code Section 22575(b) requires websites to disclose their practices with respect to the use of tracking technology made by third parties and whether this Website honors web browser do-not-track signals. No third parties are able to collect personally identifiable information you provide on this Website. At this time, Fast Flash Marketing does not respond to do-not-track browser settings or signals.

Your Rights Under the CCPA
You have certain rights under the California Consumer Privacy Act and certain other privacy and data protection laws:

Disclosure of Personal Information We Collect About You
You have the right to know:

  • The categories of personal information we have collected about you;
  • The categories of sources from which the personal information is collected;
  • Our business or commercial purpose for collecting or selling personal information;
  • The categories of third parties with whom we share personal information, if any; and
  • The specific pieces of personal information we have collected about you.
  • Please note that we are not required to:
    • Retain any personal information about you that was collected for a single one-time transaction if, in the ordinary course of business, that information about you is not retained;
    • Reidentify or otherwise link any data that, in the ordinary course of business, is not maintained in a manner that would be considered personal information; or
    • Provide the personal information to you more than twice in a 12-month period.

Personal Information Sold or Used for a Business Purpose
In connection with any personal information we may sell or disclose to a third party for a business purpose, you have the right to know: The categories of personal information about you that we sold and the categories of third parties to whom the personal information was sold; and The categories of personal information that we disclosed about you for a business purpose. You have the right under the California Consumer Privacy Act to opt-out of the sale [or disclosure] of your personal information. If you exercise your right to opt-out of the sale [or disclosure] of your personal information, we will refrain from selling your personal information, unless you subsequently provide express authorization for the sale of your personal information. To opt-out of the sale [or disclosure] of your personal information, visit our homepage and click on the Do Not Sell My Personal Information link here.

Right to Deletion
On receipt of a verifiable request from you, we will:

  • Delete your personal information from our records; and
  • Direct any service providers to delete your personal information from their records.

Protection Against Discrimination
You have the right to not be discriminated against by us because you exercised any of your rights under the CCPA. This means we cannot, among other things

  • Deny goods or services to you; or
  • Provide a different level or quality of goods or services to you.***

*** Please note that we may provide a different level or quality of services to you, if that difference is reasonably related to our ability provide to fulfill your request using your personal information.

Categories of Personal Information We Collect
We collect information that identifies you, your household or your device or is reasonably capable of being connected with or linked to you, your household, or your device ("Personal Information"). Personal information does not include public information available from government records, de-identified or aggregated information or information that is protected by certain laws such as HIPAA for health-related information and the Gramm-Leach Bliley Act (GLBA) for certain financial information.

We collect the following categories of Personal Information:

  • Identifiers
    • First and last name
    • Mailing address (including length at address)
    • Telephone number (including best time to call)
    • Email address
    • Birth month and date
    • Military affiliation
    • Social Security Number
    • Zip code
    • Driver's License
    • Marital status
    • Internet Protocol (IP) Address
  • Personal Information Listed in the California Customer Records Statute
    • The above identifiers
    • Employment information -
      • Employment status
      • Employer
      • Length of employment
      • Job title
      • Monthly income, pay period and paycheck type
      • Illness/disability
      • Work phone number
    • Credit card information -
      • Debt amount and rate
      • Past due amount
      • Credit status
    • Financial information -
      • Own/rent car
      • Own/rent home
      • Bank name
      • Bank account type (checking or savings)
      • Bank account number
      • Bank routing number
      • Length at bank
      • Loan amount
      • Loan purpose
      • Debt amounts (including mortgage debt, auto debt unsecured debt, tax debt, secured debt, student loan debt, medical debt, payday loan debt, personal loan debt)
      • Primary income source
  • Characteristics of Protected Classifications
    • Age
    • Military affiliation
  • Commercial Information
    • Information about your debt history
    • Information about your assets
  • Biometric Information
    • Not collected
  • Internet or Other Electronic Network Activity Information
    • Cookies
    • Domain name
    • Browser type and version
    • Operating system
    • Usage data
    • Visit frequency
    • Referring affiliate information
    • Referring ad campaign
    • Time on site
    • Source URL
    • Redirect URL
  • Geolocation Data
    • Information that tells us from where you access our website
  • Sensory Data
    • Not collected
  • Professional or Employment-Related Information
    • Employment status
    • Employer
    • Length of employment
    • Job title
    • Monthly income, pay period and paycheck type
    • Illness/disability
    • Work phone number
  • Non-public Education Information
    • Not collected
  • Inferences Drawn from Other Personal Information
    • Your potential preferences for lending services, debt relief services, or other financial services

Categories of Sources of Personal Information
We collect information from the following categories of sources:

  • Directly from you. For example, when you complete online forms or access our Website to utilize our services.
  • Third Parties. For example, when we receive data from an aggregator, marketer, lead generator, referring website or advertising campaign.

How We Share Your Personal Information
We share information in each of the above categories as follows:

  • All categories of information
    • We will share information in all of the above categories if our company is sold or we engage in a merger or other such transaction.
    • We will share information in all of the above categories of information in connection with a law enforcement request that is compliant with the California Electronic Communications Privacy Act.
  • Identifiers
    • We share identifiers with service providers who use that information only to provide services to us such as shipping, name and address verification, email distribution and promotions management.
    • We share identifiers with Service Providers such as lenders, financial service providers, debt relief providers, aggregators and other marketers whose services we believe may be of interest to you. To opt-out of this sharing, see how to submit an opt-out request below.
  • Personal Information Listed in the California Customer Records Statute
    • We share this information with Service Providers such as lenders, financial service providers, debt relief providers, aggregators and other marketers whose services we believe may be of interest to you. To opt-out of this sharing, see how to submit an opt-out request below.
  • Characteristics of Protected Classifications
    • We share this information with Service Providers such as lenders, financial service providers, debt relief providers, aggregators and other marketers whose services we believe may be of interest to you. To opt-out of this sharing, see how to submit an opt-out request below.
  • Internet or Other Electronic Network Activity Information
    • We share this information with our data analytics providers
    • We share this information with Service Providers to track referrals and ad campaign activity.
  • Professional or Employment-Related Information
    • We share this information with Service Providers such as lenders, financial service providers, debt relief providers, aggregators and other marketers whose services we believe may be of interest to you. To opt-out of this sharing, see how to submit an opt-out request below.
  • Non-public Education Information
    • We share this information with Service Providers such as lenders, financial service providers, debt relief providers, aggregators and other marketers whose services we believe may be of interest to you. To opt-out of this sharing, see how to submit an opt-out request below.
  • Inferences Drawn from Other Personal Information
    • We share this information with Service Providers such as lenders, financial service providers, debt relief providers, aggregators and other marketers whose services we believe may be of interest to you. To opt-out of this sharing, see how to submit an opt-out request below.

How to Exercise Your Rights.
If you would like to exercise any of your rights as described in this Privacy Policy, please:

  • Complete a data subject request form available on our website.
  • Email to us at compliancedept@leadflash.com; or
  • Use our unsubscribe link
  • Write to us at: Fast Flash Marketing, LLC 5030 Champion Blvd. Ste. G11-118 Boca Raton, FL 33496

    Please note that you may only make a CCPA-related data access or data portability disclosure request twice within a 12-month period. If you choose to contact directly by website, email, or in writing, you will need to provide us with:
    • Enough information to identify you: your full name, address and phone number so we can identify you
    • Proof of your identity and address; and
    • A description of what right you want to exercise and the information to which your request relates.

We are not obligated to make a data access or data portability disclosure if we cannot verify that the person making the request is the person about whom we collected information or is someone authorized to act on such person's behalf.

Any personal information we collect from you to verify your identity in connection with you request will be used solely for the purposes of verification.

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 dca@dca.ca.gov.

Contact

If you have questions, comments, or concerns regarding our Privacy Statement, please write to us or click below to contact us.

AssurancePayDay.com
Fast Flash Marketing, LLC
5030 Champion Blvd. Ste. G11-118
Boca Raton, FL 33496


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