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Your privacy is important to us. This Privacy Notice describes the information we collect and how we use that information. By using this website, you consent to the terms of this Privacy Notice. This Privacy Notice is effective as of August 25, 2021.
Information collected by MyUSAFinance.com when you submit a request for a loan includes the following:
myusafinance.com uses this information to:
Try to connect you with a lender Improve our website Improve our marketing strategy Respond to customer questions and concerns Provide the relevant financial services to you Send marketing material to you.
Non-Personal Information
Like most websites, we automatically obtain information from your computer. This information is obtained either directly, through the use of ‘cookies’, or through third party services. A ‘cookie’ is information the website sends to your computer whilst viewing a website to remember who you are without personally identifying you.
The information includes, browser type and language, IP address, enter/exit pages, links clicked from our site and the computers operating system.
This is non-personal information that cannot be associated with a specific individual. myusafinance.com may share this non-personal information with suppliers and third parties for website statistical analysis.
Sharing of your Information
The ways in which we share your personal information to third parties are described below.
We provide your personal information to companies and third parties that help us deliver our service to you, for example, prospective lenders. These third parties are authorized to use your personal information only to provide the service we offer.
Your personal information is shared with companies that wish to market their products and services to you. If you do not want us to share your personal information with these third parties please contact us.
Your personal information may also be disclosed in the following circumstances:
When required by law to comply with legal processes
When it is necessary to protect your safety or the safety of others, protect our rights, investigate fraud or in response to a government request.
When your personal consent has allowed us to do so.
Opting-Out of Further Communications
We offer customers the opportunity to ‘opt-out’ of having their personal information passed on to certain third parties who may wish to market their products and services to them. If you do not wish to receive such marketing material you can indicate this to us by ‘unmarking’ the relevant box on our loan request page or by clicking the link at the bottom of any email you receive.
Links to Other Web Sites
myusafinance.com may contain links on its site to websites with differing privacy policies. Submitting personal information on these sites means it will be under the governing rule of their privacy policies. As a result, we encourage you to carefully read the privacy policy of any website you visit.
Children’s Privacy
The myusafinance.com website is not intended to be used by people under the age of 18. We do not knowingly collect personal information from persons under the age of 18.
Security
We take great care over the security of your personal information. We follow industry standards to protect the information you submit to us. We have security measures in place physically, technologically and procedurally to prevent unauthorized access to the information we collect. For example, sensitive information like social security numbers are encrypted. Despite these precautions, no electronic storage or Internet transmission methods are 100% secure. As a result, we cannot guarantee absolute security of your personal information.
Privacy Policy Changes
myusafinance.com can, at its discretion, revise, modify, supplement, and/or update this privacy policy at any time. Changes to the policy will be available on our website with the revised ‘last updated’ date included on the policy. If we make material changes to the way we collect and use your personal information may notify you by email and/or a prominent notice on our website. We recommend that you review the privacy policy periodically to assess the latest practices.
Accessing Your Personally-Identifiable Information
If you wish to review and/or change the personal information we have collected from you, please contact us by writing or sending an email to the addresses below.
Contact Information
You can contact us about this privacy statement by writing or emailing us using this form.
myusafinance.com
info@myusafinance.com
Company address:
700 Milam Street, Suite 1300 – 219
Houston, TX 77002
California Residents Rights Under the California Consumer Privacy Act (“CCPA”)
Effective January 1, 2020, residents of California (“CA Resident”) have the right to request and access information of his or her personally identifiable information (“PII”). Under CCPA, each California resident can do the following:
In addition, prior to taking any actions with any PII of the CA Resident, we are required to successfully confirm the identity of the resident (or authorized representative agent, registered with the State of California) prior to any action.
How We Use Your Information. We use the information that we collect about you through your interaction with this Website as well as information that you voluntarily provide to us. We may use collected information to communicate with you via mail, email, telephone, text message/SMS, auto dialer, or otherwise even if your number appears on a do-not-call list or other similar registry. We may also provide your information to third-party lenders or financial institutions for the purpose of determining eligibility for specific products for business purposes, such as analytics, research, advertising and marketing, and operational purposes; to comply with law enforcement and maintain the security of our Website; and to perform any other functions otherwise disclosed when you provide us with your information. These lenders or financial institutions may also contact you for loan related purposes via mail, email, telephone, text message/SMS, auto dialer, or otherwise. Standard data and message rates may apply.
By submitting your contact information to us, you are expressly consenting to be contacted by us or by one or more Service Providers by telephone, email or postal mail. Your information may be going to an aggregator or marketer and not a lender, financial service provider, or debt relief provider. Your information can be sold multiple times leading to multiple offers from lenders, financial service providers, debt relief providers, aggregators, and other marketers.
In addition, we may share some or all of your information with third party marketers and list managers with whom we have a business relationship, and these third party marketers and list managers may use your personal information to communicate with you about other marketing or business offers via telephone, email, direct mail, text message (std. text message rates may apply), auto dialer, call center, or other channels.
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Important Disclosure. Please Read Carefully.
MyUSAFinance is not a lender and does not make credit decisions. MyUSAFinance.com connects interested persons with a lender from its network of approved lenders. MyUSAFinance.com does not control and is not responsible for the actions or inactions of any lender, is not an agent, representative or broker of any lender, and does not endorse any lender. All loan approval decisions and terms are determined by the loan providers at the time of your application with them. The time to receive loan proceeds varies among lenders, and in some circumstances faxing of application materials and other documents may be required. Submitting your information online does not guarantee that you will be approved for a loan. You may exit the process at any step as you are under no obligation to accept the loan presented. For details on your loan please contact your lender directly. This service is not available in all states. Residents of Arkansas, New York, Vermont and West Virginia are not eligible to use the service to request a loan. By using this website or services, you represent and warrant that you are at least 18 years old, that you are a resident of the United States, and that you are not a resident of any state where the loan you are applying for is illegal. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you. MyUSAFinance.com does not pull your credit or look at your creditworthiness, but responsible lenders will. By submitting your information to MyUSAFinance.com, you are giving lenders in MyUSAFinance.com’s network permission to verify your social security number, driver license number or other identification, and to review your creditworthiness by pulling your credit history from major credit bureaus as well as from alternative credit bureaus such as Teletrack or DP Bureau. MyUSAFinance.com receives compensation from its lenders based on advertising services. MyUSAFinance.com is a free service and will never charge a fee to be connected to a lender.
Representative Example
If you borrow $5,000 and the loan had an 8% origination fee ($400), on a 48 month repayment term at a 19.25% APR, the monthly repayment will be $134.16. Total repayment will be $6,439.50. Total interest paid will be $1,039.50.
Important Information
MyUSAFinance.com is unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APRs depend on multiple factors, including the lender’s requirements and offers, your credit worthiness, your state of residence, and the type and term of the loan you request. You will be given the details on the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement during the loan request process. The lenders and lending partners we work with offer 61-day to 84-month loan terms with an APR range of 5.99% to 35.99% depending on how the APR is calculated, the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. 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. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on. Some states cap APR and the amounts of charges for an online personal loan. Loan terms may range from 2 weeks to 84 months depending on your loan and the lender you are connected with.
Implications of Late and Non Payment
Your lender may charge you late fees as well as fees for non-sufficient funds. Please review your loan agreement carefully for information about the financial implications of non-payment before you provide your electronic signature. Non-payment may involve debt collection practices as it is set by applicable law. Your lender may set late payment fees in accordance with state regulations. Lenders are within their rights to report your failure to repay a loan to one or all of the major credit reporting agencies — Experian, Equifax. After the lenders receive payment in full, they can report it to the credit reporting agencies. We remind that late payment or non-payment of your loan can have negative impact on your credit history. Some of the lenders in our network may automatically renew your short term loan if it becomes past due. This term is clearly identified in your loan agreement. You should check your loan agreement for your lender’s policy on automatic loan renewal prior to e-signing it. If your loan is renewed, there will be additional charges as determined by your lender, and the minimum term can be set up. Your lender may offer you other options in addition to renewal, including the ability to repay your loan in full at a later date or repay your loan over time in a series of installment. You are encouraged to contact your lender as soon as possible if you are unable to repay your loan on the scheduled repayment date or make regular installment payment on time. For more information about your lender’s specific procedures as they apply to late payments, please review your loan agreement or contact your lender directly. Origination, documentation and other additional fees may apply to your online personal loan deal. Late payment, non-payment fees and other penalties may apply to both short term and online personal loan deals in case of missed payments. Please review your loan agreement carefully for information about the financial implications before you provide your electronic signature.