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Privacy Policy

The Privacy Policy on https://johnthomasfinancial.com is a formal report that explains how we collect, save, disclose, and use your information. This policy was created to increase data security and safeguarding transparency for our website users.

The following laws apply to the User’s information that is provided to the Site. If, at any time, the User wants their shared details removed from our records and site (thereby eliminating us from having authority over such information), they can contact us.

Please note that only legal U.S. residents who are 18 years or older may use the services on this Website. Lastly, we want to assure you that all of our operations follow local, state, and federal law within the United States of America.” Therefore, when a user fills out the registration form on the website (and thereby accepts this privacy policy and the site’s terms and conditions), they are confirming that they understand that how their information will be used is described in those documents. For this reason, we encourage every user to read both documents carefully before submitting any information on the site.

If you don’t agree with our Privacy Policy and Terms and Conditions, stop using our website’s services. In addition, do not fill out the online registration form or submit your information to us in any way. If you have questions about how to use the site or its services, feel free to contact us. However, if you decline to use this website according to our terms, please close this page now.

Non-Personal and Personally Identifiable Information

You must provide your personally identifiable information (PII) to register on our website. PII includes information like your name, address, and email address. This document outlines how we collect, save, disclose, and use PII collected from our website visitors. Providing us with this information is necessary in order to receive the services offered on our site. If you do not need or want our services, please do not submit your PII on our website form. PII refers to any data that could identify an individual, which includes but is not limited to your full name, contact information, SSN. employment and banking records. Please note that Your banking information and SSN are only utilized for the requested matching and searching service; this info is never shared with third-party entities unless required by law or authorized parties (ie. due to concerns of national security).

Besides PII, we collect non-personally identifiable information (NPII) from You whether or not You submit any personal information to the Site. Some examples of NPII include Your behavioral data, like IP data, geolocation, OS, browser details, referral and exit pages, ISP, date and time data, etc. These details may be sent to third parties that we are under contract with, with the exception of You hiding Your NPII or directly requesting us to cease using Your NPII.

How Your PII Is Used

Your PII information will be used, collected, and saved according to the provisions in this document. All of the PII You provide is kept safe with our security methods and encryption software. The Site uses the registration information that You submitted in order to find which lender(s) we have a contract with who offer loan products that fit what You’re searching for.By submitting Your info on our website, it’s assumed thatYou are consenting to being matched up with a financial service provider or lender. In addition, the information that we collect on our Site may be used to contact you about marketing information for products and services that you have expressed interest in. We can also use your information to protect you from internet-based fraud or potentially malicious activity. However, we will only obtain, save, disclose, and use your information if you give us express consent by clicking the related button or checking the box of consent – both of which authorize us to use your personal data.

We may need to share some of the Personally Identifiable Information (PII) you provide us with contracted third parties, but only if it’s necessary for technical expertise. These authorized contractors are held accountable for keeping your information safe and sound. They’re not allowed to use your information in any other way unless it’s specifically laid out in our agreement, and they definitely aren’t allowed to share it with other third parties. Anything done with your PII is also subject to this document’s regulations as well as others found on our website The activities must also be compliant with the USA’s legislation and any applicable international laws. Furthermore, with your previous authorization, credit priors may have access to your PII. Lenders carry out this action at their own discretion and are regulated by legal documents regarding communication between financial providers and the lender – none of which have anything to do with the use of our website or its services, nor this Privacy agreement.

Your PII may be disclosed, in full or in part, if requested by a government entity or authorized organization for any of the following legal reasons:

  • legal compliance necessitates it.
  • it is necessary to safeguard the property of the owner or affiliates of the website and does not violate any laws.
  • it is necessary to secure the nation and/or stop criminal activity.
  • it is necessary in order to protect public safety and/or the safety of others.

If our company is acquired, merged, purchased, or consolidated by another entity, your PII may be transferred to the new party. If our company goes bankrupt and is liquidated, and if a court’s decision on insolvency takes place, the liquidating party or its authorized representatives may sell, transfer license ,or dispose of Your PII in compliance with the regulations laid out by the court’s decision. In such a caseContact forms are backed up weekly onto an encrypted hard drive., it is possible that frontline users will receive prior notification about any impending changes . In addition, this notification may be published on the Site for anyone to see. Sometimes companies will go through changes such as mergers or acquisitions, and these businesses might not be located in the United States.

Third Party Marketing

The contractually-obligated third party lenders, advertisers, and marketers we share your PII with (excluding SSN, banking information, and other sensitive details) may use this information for marketing purposes. In some cases the receiving party may give your information to other third-party marketers who want to show you products that match your interests. You can unsubscribe from these marketing offers and messages by simply opting out. In the message, there will be an option to unsubscribe (usually in the form of a button or link). Keep in mind that this Marketing activity might come in various shapes such as direct mail, online banners, short messages, emails, telemarketing calls, etc. Additionally, we may use your information to track your internet activity and collect data about your online behavior. This helps us improve the quality of our services and tailor our marketing activities to better suit your needs.

Please be aware that how third-party marketers use Your information is subject to their own legal documents and regulations, which include (but are not limited to) their privacy policies and terms of use for their services and websites. Because we don’t have control over how these other entities use your information, we strongly advise that you take a look at their legal documentation to see how they would use your personal data. If you decide that you no longer want them to have access to this information, get in touch with the third party directly.

By using this website and trying to use our services, you’re agreeing that you’ve reviewed and understood our legal documents. This includes how your information will be used on the site, as well as obtaining, saving, disclosing, and using PII (Personally Identifiable Information). You also agree to letting third-party marketers and lenders use your information.

If you want to stop receiving information from us and close this website, You must contact us directly so we can remove your personal information from our database. You may opt out of any further communications by emailing us or another form of contact indicated on the site. After we process your request, we will remove all of your personal information from our website’s database. We guarantee that none of this information will be shared with any third party or used for marketing purposes once it has been removed from the database. Although Your personal information has been shared with third-party marketers, we have no control over the messages they send You. If You want to stop receiving communication from these marketers, please contact them directly to have Your name removed from their marketing databases.

PII Usage and Credit Implication

To verify Your identity, our third-party lenders may request some of Your personal information (for example, driver’s license number or Social Security Number). This information will be checked against national databases. Also, the lenders we have contracted with might need to do credit verification by requesting a credit report from one or more credit bureaus. These organizations include but are not limited to Equifax, Experian and TransUnion–the three largest U.S. consumer credit reporting agencies. By requesting credit reports, we are able to assess Your level of credibility and the risks You pose in relation to receiving credit products. However, please note that this may negatively impact Your credit score. If You agree to continuing using our Site and submit information through our online form, then You also agree to having us communicate and verify said information with these third party lenders in accordance with their legal documents.

Telemarketing and Emails

By clicking “I agree” to our Terms and Conditions and this Privacy Policy document, You give us consent to use Your PII for marketing purposes – which include (but are not limited to) telemarketing and email advertising.

The PII you provided us may be used for communication, including but not limited to assistance calls, telemarketing calls, and service/credit product offers. We as well as third party marketers and lenders can use this telephone number even if it is on any federal Do-Not-Contact registry or similar databases. The Amended Telemarketing Sales Rule (ATSR) 16 CFR $310 will be applied to your submitted phone number in order to determine if we are authorized to contact you for sales purposes. If Your phone number is present on the FTC’s Do-Not-Call list, regardless of whether or not You have given consent, we will still attempt telemarketing communications with you.

Since requesting the services of our Website would be classified as an attempt to make a purchase, we have given third-party marketers authorization to contact you telemarketers.

You confirm that you are at least 18 years old and legally able to use and own a mobile device when you provide your consent to use the site and give your information in order to use our services. You also agree that you fully understand the possible monetary charges that may come with participating in any telemarketing activities. In addition to collecting your information, your mobile device’s service provider might also collect information from you. The interaction and processes withYour device’s service provider are regulated by legal documents put forth by these organizations. Such documents are not related to this Privacy Policy, nor are they connected to any other of this Website’s governing documents.

How We Collect NPII

If you choose to use the services on this website, or those of our contracted third-party marketers and lenders, we will record your internet activity using cookies, pixel tags, web beacons etc. This allows us to monitor things like your geolocation, IP address, browsing history and click behavior. The data listed above is non-personally identifiable information (NPII), which means that it cannot be used to identify you as an individual. This type of data is gathered and stored in order to customize your online experience.

Cookies

When you visit a website, its server will often assign a small, unique file known as a cookie to your computer. This occurs so that the site can collect data on your online behavior and browsing habits. The collected information is then sent not only to us but also third parties who are allowed to access this sort of data. Cookies allow us to better understand our users’ preferences and tailor our services accordingly. They can also help prevent security breaches by detecting fraudulent and malicious activity.

Session cookies are only used for one Website operation and are deleted once the User exits the Site or the web browser. Permanent cookies stay on your device for a longer period of time, even after you leave the Website or close your web browser. If you want to, you can change Your cookie preferences in Your web browser’s options menu. And if You need to, You can delete existing cookies.

Privacy Management

In order to optimize privacy management, we have established various practices for using your information. In addition to the techniques used to improve your website experience, we also provide you with the option to limit how much information you share with us. You can also request that we remove your info from our records at any time.

If you wish to stop your personally identifiable information (NPII) from being accessed, saved, or used in any way, leave the site immediately. Cookies and beacons are automatically installed when you visit most sites these days- even if you don’t want them too! To delete cookies that have already been stored on your computer as well as adjust settings for future visits so that no new cookies will be accepted), go to your browser’s options page and change the cookie preferences.

The Do-Not-Track protocol is still being established, but our procedures for managing privacy and information security are already in line with this Privacy Policy and other documents related to the Website. If you want to stop sharing your NPII on specific third-party websites, visit www.networkadvertising.org/consumer/opt_out.asp and change your settings manually.

You always have the option to stop online trackers from monitoring your behavior by unsubscribing from any third-party marketers’ email lists. Just look for the unsubscribe links/buttons.

PII Security

Your safety is our number one priority. We use physical, electronic, and managerial safeguards on our website to prevent fraud, unauthorized usage, and other dangerous web practices. Our security measures are regularly updated to ensure that all user information is safe from loss or modification.

Your PII will never be shared with parties that are not authorized under law or outlined in our Website documents. Our team of employees who have access to Your information are required to maintain security and protect your data as much as possible. There are disciplinary actions set in place for those who do not comply with these guidelines

While we cannot promise that your web experience with us will be 100% secure, we can guarantee that we will take every reasonable measure to protect your data. We also pledge to remove your information from any database or listing that you believe is not secure. If you would like to have complete control over your information and how it is used, submit a request to rescind your data from our system. We have contracts with third-party marketers that stipulate they must protect your data as best they can. We use multiple methods to verify our partners are upholding their information security procedures. If there is a violation, we take measures in line with any relevant regulations and laws to manage the situation and prevent potential negative consequences.

Collecting Information From Children

We strictly forbid the collection of information from children who are under 18 years of age on our website. We utilize filters to detect if somebody below the legal age is attempting to provide us with information. If we discern that Personally Identifiable Information (PII) received belongs to somebody not of legal age, we will delete said data immediately. In compliance with Children’s Privacy Protection Act (COPPA), we do not willfully obtain, save, disclose or use PII relating to users younger than prescribed by law.

E-consent

The Federal Electronic Signatures in Global and National Commerce Act allows for users who agree to receive disclosures, documents, and notifications electronically by e-signing any electronic document. When a User sends the Website information, they are consenting to receive e-disclosures, e-notifications, and e-documents in addition to the Website’s directly provided information and third party marketing and lending e-communications. Any such communications received after You have given Your electronic consent will be considered as if “in writing.” Please print a copy of what you have submitted for your records.

We, as well as our third-party marketers under contract, have the right to end the use of e-documentation, e-notification, and other forms of electronic communication. In these cases, Users will receive notification beforehand in accordance with relevant laws and documents such as Policies and TermsDocuments ,and business relationship regulations. To reduce expenses hard copies of e-documents are not required to be stored or produced. Any e-records can serve as evidence to validate agreements, obligations, and rights that are related to the parties bound by those e-documents’ provisions. The time required for validating and providing e-communications, as well as the legal force of such documents may differ. All destroyed e-records follow a routine schedule set forth by regulatory requirements.

Links to Third Party Websites

This Site contains hyperlinks to other websites, which may be operated by third parties. When users provide information on these external websites, their privacy is subject to the regulations of those sites and not this Website. Users should review the privacy policies of any external website before sharing any personal information.

Notifications Across State Lines

At our company, we always follow federal and state codes and regulations. PII can be used differently from one state to another. For example, some states require the entity collecting personal information to say how and when it will be shared, as well as who the information will go to (including specifically and by name). Also, a state’s rules may stipulate that our website must reveal what kinds of personal data will be given out – and how third parties might use this sort of information. If you live in a state with regulations against this, please contact us through the channels provided on the website. Requests will be handled case-by-case basis and we have the right to deny requests if you do not reside in a state with these same regulations.

Changes and Modifications

We may modify this Privacy Policy at any time without prior notice and will make the updated policy available on our Website. The “Effective Date” at the top of this page will be revised accordingly. The information we collect will be used to comply with the Privacy Policy in effect at the time it was collected. You can decide if that is okay with you. We want all Website users to visit the Privacy Policy section frequently so they are aware of any changes.

Complaints and Inquiries

As the operator of this website, I want to assure you that all visitors have the right to change, modify, or delete any PII collected on the site. If you need to make changes to your information, please contact us by email or through another provided channel on the website. Also, if you have a complaint about how we’re running things or any services offered, don’t hesitate to reach out and let us know so we can fix it as soon as possible.

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Disclaimer
Short-term loans are short-term credit solutions with small amounts intended for temporary financial difficulties only that can quickly become a pricey alternative.www.johnthomasfinancial.com does not offer loans or make credit decisions, and it is free to use. This website only provides a matching service between users and lenders or third parties; it connects people who need loans with businesses that can provide them. There are no fees associated with using this site, and users are under no obligation to accept loan offers they receive through the site. The website presents all data on short-term loan products and the industry for informational purposes only. Johnthomasfinancial.com does not represent or endorse any particular lender, and we are not responsible for the actions or inactions of any lender. We also do not collect, store, or access information regarding the fees and charges associated with loans from lenders in our network. Short-term loans may not be available in all states, and not all lenders in our network can provide loans up to $1,000. There is no guarantee that any lender will approve the use of this website or that any loan product will be matched with a lender. Additionally, there is no guarantee that you will receive a short-term loan offer on the terms requested in the online form. In order to assess your creditworthiness and decide which products are best suited for you, the lender may need tocheck your credit score via one or more credit bureaus. To protect both the lenders and the applicant, extensive verifications will be performed. These may include, but are not limited to social security number, driver license number, national ID or other identification documents. The terms and scopes of loan products can differ greatly from lender to lender because they often depend on numerous factors specific to each individual case including state of residence and credit standing of the applicant.

APR Representative

APR (Annual Percentage Rate) is the rate of interest you’ll pay on a loan if you borrow it for an entire year. Our website doesn’t offer loans directly, so we unfortunately can’t provide the APR that any specific lender charges. The interest rates offered by lenders can vary significantly, depending on numerous factors such as where you live and your credit score. In addition, there may be other fees associated with the loan offer, including but not limited to origination fees, late payment charges and penalties. Lenders may also take non-financial actions such as reporting late payments or taking debt collection action. The following financial and non-financial actions are not affiliated with www.johnthomasfinancial.com, and we have no information regarding what lenders may do in these situations. All charges and actions taken should be disclosed to the borrower in a clear and transparent manner within their loan agreement. The APR is the total cost of a product divided by the number of years it will last. It’s not a financial penalty for a short-term item.

Late Payment Implications

If you think you might miss a payment or will be late, call your lender as soon as possible. They may charge late fees and penalties, which vary by state. All the procedures and costs associated with late payments are explained in the loan agreement, so read it carefully before signing any paperwork.

Non-payment Implications

In cases of non-payment or missed payments, financial and non-financial penalties may be implied. The terms of renewal should be disclosed in the loan agreement. Additional measures undertaken as a result of non-payment, such as renewals, must be stated explicitly with consent. Each loan agreement should contain its own terms for renewal. Renewal costs and fees may be imposed additional circumstances.