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Privacy Policy

OAN Global Marketing LLC (d/b/a OnlineAdvanceNow.com) respects the privacy of our consumer users and has developed this Privacy Policy to demonstrate its commitment to protecting your privacy. As an individual who is a user of our website, or otherwise as a user of the services provided by OnlineAdvanceNow.com, this Privacy Policy is intended to describe for you:

  • the information we collect about you,
  • how that information may be used,
  • with whom it may be shared,
  • how you may access the information you provide us,
  • and your choices about such uses and disclosures.

We encourage you to read this Privacy Policy carefully when using our websites or services or transacting business with us. By using our websites, you are accepting the practices described in this Privacy Policy.

INFORMATION WE COLLECT ABOUT YOU

In General, we may collect personal information that can identify you such as your name and e-mail address, as well as other information that does not identify you. When you provide personal information through our websites, the information may be sent to OnlineAdvanceNow.com servers located in the United States and other countries around the world.

  • Information you provide. We may collect and store any personal information you enter on our websites or provide to us in some other manner. This includes identifying information (such as your name, home or mailing address, e-mail address, and telephone number), information about your home or prospective home, your financial information (such as your income, assets, or debts), your Social Security number, and personal information (such as your gender and age).
  • Information from other sources. We may also periodically obtain both personal and non-personal information about you from other affiliated businesses, business partners, contractors and other third parties. Examples of information that we may receive include credit reports and additional demographic information. However, OnlineAdvanceNow.com does not pull a credit bureau report on loan customers without express permission.
  • Information about others. We may also collect and store personal information that you provide to us about other people (such as co-applicants), including their name, address, phone number, Social Security number, financial information, or other personal information. Use of cookies and other technologies to collect information. We use various technologies to collect information from your computer and about your activities on our site.
  • Information collected automatically. We automatically collect information from your browser when you visit our websites. This information includes your IP address, your browser type and language, access times, the content of any undeleted cookies that your browser previously accepted from us (see "Cookies" below), and the referring website address.
  • Cookies. When you visit our websites, we may assign your computer one or more cookies, to facilitate access to our websites, to personalize your online experience, and to record information about your visit to our websites. Through the use of a cookie, we also may automatically collect information about your online activity on our websites, such as the web pages you visit, the links or advertisements you click, or the other actions you conduct while on our websites. The cookies do not store any personally identifiable information about you. Most browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. If you choose to decline cookies, please note that you may not be able to sign in or use some of the interactive features offered on our websites.
  • Other Technologies. We may use standard Internet technology, such as web beacons and other similar technologies, to track your use on our websites. We also may include web beacons in promotional e-mail messages or newsletters to determine whether messages have been opened and acted upon. The information we obtain in this manner enables us to customize the services we offer our website visitors to deliver targeted advertisements and to measure the overall effectiveness of our online advertising, content, programming or other activities.
  • Information collected by third-parties. We may allow third-parties, including our authorized service providers, affiliated companies, advertising companies, and ad networks, to display advertisements on our site. OnlineAdvanceNow.com and these companies may use tracking technologies, such as cookies, to collect information about users who view or interact with these advertisements and connect to the OnlineAdvanceNow.com websites. Our websites do not provide any personal information to these third parties based on your viewing of interaction with the advertisements. This information allows OnlineAdvanceNow.com and these companies to deliver targeted advertisements and gauge their effectiveness.

HOW WE USE THE INFORMATION WE COLLECT

In general, we may use information that we collect about you to:

  • deliver the products and services that you have requested;
  • manage your customer relationship and provide you with customer support;
  • perform research and analysis about your use of, or interest in, our products, services, or content, or products, services or content offered by others;
  • communicate with you by e-mail, postal mail, telephone and/or mobile devices about products or services that may be of interest to you either from us, other OnlineAdvanceNow.com
  • affiliates or other third parties;
  • develop and display content and advertising tailored to your interests on our site and other websites;
  • verify your eligibility and deliver prizes in connection with promotions, contests and sweepstakes;
  • enforce our terms and conditions;
  • manage our business and
  • perform functions as otherwise described to you at the time of collection.

Financial information. We may use financial information to match you with lenders or to provide loan offers to you, to verify your identity, to protect against or identify possible fraudulent transactions, otherwise as needed to manage our business, and, if you request a loan through OnlineAdvanceNow.com, to determine your eligibility for a loan, and provide for distribution of loan proceeds and collection of payments to us.

Please review "Your choices about collection and use of your information" below.

WITH WHOM WE SHARE YOUR INFORMATION

We want you to understand when and with whom we may share personal or other information we have collected about you or your activities on our websites or while using our services.

Personal information. We do not share your personal information with others except as indicated below or when we inform you and give you an opportunity to opt out of having your personal information shared. We may share all types of personal information with:

  • Authorized service providers: We may share your personal information with our authorized service providers that perform certain services on our behalf in connection with your request for a loan. These service providers may include lenders and other financial services providers, credit bureaus, marketing and customer services firms, credit card payment processors, as well as companies that support contests, sweepstakes, surveys, or other features offered through our websites, or that provide business analysis or website support. These service providers may have access to personal information needed to perform their functions but are not permitted to share or use such information for any other purposes. The use of your personal information by LCM and any lenders or other financial services providers to which it transmits such personal information will be governed by the privacy policy of the recipient of such personal information.
  • Business partners: When you express interest in promotions offered through our websites or our services, we may share your expression of interest with the businesses with which we partner to offer you those products, services, promotions, contests and/or sweepstakes. When you elect to engage in a particular offer or program, you authorize us to provide your e-mail address and other information to that business
  • Other lenders or investors. If you submit a completed Loan Request, we may share your personal information with lead providers who may also share the information with lenders on its network with whom you are or may be matched, third party investors to whom we intend to transfer your loan after closing. No credit check will be performed by OnlineAdvanceNow.com unless you authorize us to do so by submitting a completed OnlineAdvanceNow.com loan. Because the lenders on the LCM network may retain or use your personal information whether or not you qualify for, or obtain, a loan from them, you should contact these lenders directly concerning their privacy and information sharing practices.
  • Other Situations. We also may disclose your information:
  • In response to a subpoena or similar investigative demand, a court order, or a request for cooperation from law enforcement or other government agencies; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. In such cases, we may raise or waive any legal objection or right available to us.
  • When we believe disclosure is appropriate in connection with efforts to investigate, prevent, or take other action regarding illegal activity, suspected fraud or other wrongdoing; to protect and defend the rights, property or safety of our company, our users, our employees, or others; to comply with applicable law or cooperate with law enforcement; or to enforce our website terms and conditions or other agreements or policies.
  • In connection with a substantial corporate transaction, such as the sale of our business, a divestiture, merger, consolidation, or asset sale, or in the unlikely event of bankruptcy.

Any third parties to whom we may disclose personal information may have their own privacy policies which describe how they use and disclose personal information. Those policies will govern use, handling and disclosure of your personal information once we have shared it with those third parties as described in this Privacy Policy. If you want to learn more about their privacy practices, we encourage you to visit the websites of those third parties. These entities or their servers may be located either inside or outside the United States.

Aggregated and non-personal information. We may share aggregated information (i.e., information about you and other customers collectively, but not specifically identifiable to you) and other non-personal information we collect under any of the above circumstances. We may also share it with third parties and affiliated companies to develop and deliver targeted advertising on our websites and on websites of third parties. We may combine non-personal information we collect with additional non-personal information collected from other sources. We also may share aggregated information with third parties, including advisors, advertisers and investors, for the purpose of conducting general business analysis. For example, we may tell our advertisers the number of visitors to our websites and the most popular features or services accessed. This information does not contain any personal information and may be used to develop website content and services that we hope you and other users will find of interest and to target content and advertising.

Third-party websites. There are a number of places on our websites where you may click on a link to access other websites that do not operate under this Privacy Policy. For example, if you click on an advertisement or a search result on our websites, you may be taken to a website that we do not control. These third-party websites may independently solicit and collect information, including personal information, from you and, in some instances, provide us with information about your activities on those websites. We recommend that you consult the privacy statements of all third-party websites you visit by clicking on the "privacy" link typically located at the bottom of the webpage you are visiting.

HOW YOU CAN ACCESS YOUR INFORMATION

If you have submitted a Loan Request to us, you can update your personal information by contacting our Customer Care Department for assistance. More information about how to contact us is provided on our webpage.

YOUR CHOICES ABOUT COLLECTION AND USE OF YOUR INFORMATION

  • You can choose not to provide us with certain information, but that may result in you being unable to use certain features of our websites because such information may be required in order for you to obtain services from OnlineAdvanceNow.com.
  • Federal and state regulations require that we store completed Loan Requests for various periods of time. In order to comply with these requirements, we may be unable to delete your information from the OnlineAdvanceNow.com database.
  • You will be given the opportunity, in any commercial e-mail that we send to you, to opt out of receiving such messages in the future. It may take up to 10 days for us to process an opt-out request. We may send you other types of transactional and relationship e-mail communications, such as loan offers, requests for additional information, service updates or announcements, administrative notices, and surveys, without offering you the opportunity to opt out of receiving them. Please note that opting out of receipt of promotional e-mail communications will only affect future activities or communications from us. If we have already provided your information to a third party before you have changed your preferences or updated your information, you may have to change you preferences directly with that third party.
  • Under our Do Not Call policy you may instruct us not to call you for marketing purposes by calling our Customer Care Department. We will implement your instructions within 30 days. We have policies and procedures in place and train our employees to honor your request. Please note that we may still need to call you for servicing or other non-marketing purposes.
  • If you do not want us to send you postal mail for marketing purposes, you may remove your name from current and future mailing lists by contacting our Customer Care Department.

HOW WE PROTECT YOUR PERSONAL INFORMATION

We take appropriate security measures (including physical, electronic and procedural measures) to help safeguard your personal information from unauthorized access and disclosure. For example, only authorized employees and authorized third-party service providers are permitted to access personal information, and they may do so only for permitted business functions. In addition, we use secure socket layers in the transmission of your sensitive personal information between your system and ours, and we use firewalls to help prevent unauthorized persons from gaining access to your personal information.

We want you to feel confident using our websites to transact business. However, no system can be completely secure. Therefore, although we take steps to secure your information, we do not promise, and you should not expect, that your personal information, searches, or other communications will always remain secure. Users should also take care with how they handle and disclose their personal information. Please refer to the Federal Trade Commission's website at http://www.ftc.gov/bcp/menus/consumer/data.shtm for information about how to protect yourself against identity theft.

Children's privacy

Our websites are directed and intended only for individuals 18 years of age or older. We do not knowingly collect personal information from children under the age of 18.

Visiting our websites from outside the United States

This Privacy Policy is intended to cover collection of information on our websites from residents of the United States. If you are visiting our websites from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located and our central database is operated. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country. Please be assured that we seek to take reasonable steps to ensure that your privacy is protected. By using our services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this privacy policy.

No Rights of Third Parties

This Privacy Policy does not create rights enforceable by third parties or require disclosure of any personal information relating to users of our websites.

Changes to this Privacy Policy

We will occasionally update this Privacy Policy to reflect changes in our practices and services. When we post changes to this Privacy Policy, we will revise the "last updated" date at the top of this Privacy Policy. 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 e-mail to the e-mail address you most recently provided us in your account, profile or registration (unless we do not have such an e-mail address), and/or by prominently posting notice of the changes on our websites. We recommend that you check our websites from time to time to inform yourself of any changes in this Privacy Policy or any of our other policies.

How to contact us

If you have any questions about this Privacy Policy or our information-handling practices, or if you would like to request information about our disclosure of personal information to third parties for their direct marketing purposes, please contact us by e-mail on our webpage under Contact Us.

 

 

Terms and Conditions - OnlineAdvanceNow.com

 

Last Updated: 5/29/2012


By accessing the OnlineAdvanceNow.com web site and using the services on this site, you agree to be bound by the terms and conditions ("Terms") below. Please read these Terms carefully. If you do not agree to these Terms, do not access or use this web site. The OnlineAdvanceNow.com web site is operated by OAN Global Marketing LLC. All references below to OnlineAdvanceNow.com include OAN Global Marketing LLC.


Loan Matching Service


OnlineAdvanceNow.com's loan matching service matches consumers with prospective lenders participating in OnlineAdvanceNow.com's direct network of payday loan lenders ("participating lenders"). To use the service, you must complete one or more online application forms that request specific information from you, including, but not limited to, your name, address, telephone number, email address, social security number, banking account information, and employment information. OnlineAdvanceNow.com's collection and use of this information is subject to this site's
Privacy Policy. In order to use this web site or the service, you must agree to the separate terms and conditions set forth in the Privacy Policy, which are incorporated herein by reference.

 


Once a consumer submits the application form(s) to OnlineAdvanceNow.com, OnlineAdvanceNow.com shares your information with one or more participating lenders. By submitting the application form(s), you understand and agree that you are submitting an inquiry about a loan product to OnlineAdvanceNow.com and each of the participating lenders to whom OnlineAdvanceNow.com transmits your loan request. By submitting the application form(s), you are extending an express invitation to OnlineAdvanceNow.com and each of the participating lenders with whom your information is shared to contact you by any means (including, without limitation, email, telephone, and direct mail) so that they may assist you with your transaction or provide information to you about additional offers in which you may be interested.

 


Participating lenders who receive your application information from OnlineAdvanceNow.com review your information in real-time to determine whether your information meets the lender's loan qualification criteria. Participating lenders may, among other things, verify your social security number, perform a credit check, and review your information against national databases (such as Teletrack, DP Bureau or DataX) that tracks consumer transactions with lending institutions. By submitting the application form(s), you agree to allow participating lenders to review, verify, and research your information in such manner.

 


If a participating lender determines that your application meets its loan qualification criteria, the OnlineAdvanceNow.com web site will open a new web page identifying the name(s) and contact information of the lender(s), or redirect your browser to the lender's web site. You understand and agree that, once you have been redirected to the lender's web site, OnlineAdvanceNow.com has no further involvement in the loan application or approval process. Your subsequent interactions with the lender are subject to privacy policy, terms of use, and other policies and/or terms enforced by that lender.

 


OnlineAdvanceNow.com is not a lender and does not make loans or credit decisions in connection with its loan matching service. OnlineAdvanceNow.com does not guarantee acceptance into any particular loan program or specific loan terms of conditions with any participating lender. OnlineAdvanceNow.com does not guarantee that the price, product, availability, rates, fees, or any other loan terms offered and made available by participating lenders through the loan matching service are the best terms available in the market.

 


OnlineAdvanceNow.com does not endorse or recommend the products of any particular lender. OnlineAdvanceNow.com is not an agent of you or any participating lender. OnlineAdvanceNow.com is not involved with the lender's use and/or review of your application information or in making a determination about whether you meet a particular lender's loan qualification criteria. The lender is solely responsible for its services to you, and you agree that OnlineAdvanceNow.com shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of the loan matching service. You understand that participating lenders may keep your application information, whether or not you are qualified for a loan with them.


Control over Features, Functions, and Access to the Service


OnlineAdvanceNow.com reserves the right to change any information, features and/or functions of the loan matching service without prior notice. OnlineAdvanceNow.com may deny you access to all or part of the services without prior notice if you engage in any conduct or activities that OnlineAdvanceNow.com determines, in its sole discretion, violate these Terms, the rights of OnlineAdvanceNow.com or any third party, or is otherwise inappropriate. OnlineAdvanceNow.com is not responsible for any errors or delays in providing the loan matching services caused by errors in any of the application information provided by you or by any technical problems beyond our reasonable control.


Disclaimers and Limitations


THIS WEB SITE AND THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES ASSOCIATED WITH IT ARE PROVIDED "AS IS." ONLINEADVANCENOW.COM EXPRESSLY DISCLAIMS ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THIS WEB SITE AND ANY INFORMATION, SOFTWARE, PRODUCTS OR SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. ONLINEADVANCENOW.COM MAKES NO WARRANTY AS TO THE RESULTS THAT MAY BE ACHIEVED BY USING THIS WEB SITE AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT. USE OF THIS WEB SITE AND/OR ONLINEADVANCENOW.COM'S SERVICES IS AT YOUR OWN RISK. ONLINEADVANCENOW.COM AND/OR ITS PARTICIPATING LENDERS OR ADVERTISERS OR ANY OF THEIR
OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUCCESSORS, ASSIGNS, CONTENT PROVIDERS, OR SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS WEB SITE AND/OR ONLINEADVANCENOW.COM‘S SERVICES OR WITH THE DELAY OR INABILITY TO USE THIS WEB SITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THIS WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEB SITE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF ONLINEADVANCENOW.COM OR ITS PARTICIPATING LENDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. SOME STATES DO NOT ALLOW THE LIMITATION OF LIABILITY AND DISCLAIMER OF IMPLIED WARRANTIES, SO THE DISCLAIMERS AND LIMITATIONS ABOVE MAY NOT APPLY TO YOU. IN SUCH STATES, THE RESPECTIVE LIABILITY OF ONLINEADVANCENOW.COM, ITS PARTICIPATING LENDERS, AND THEIR OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUCCESSORS, ASSIGNS, CONTENT PROVIDERS AND SERVICE PROVIDERS IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.


Indemnity


As a condition of using this web site and/or the services offered herein, you agree to indemnify OnlineAdvanceNow.com and its participating lenders from and against any and all liabilities, expenses (including attorneys' fees) and damages arising out of claims resulting from your use of this web site, including without limitation any claims alleging facts that if true would constitute a breach by you of these Terms.


Links to Third Parties


This web site may contain links to other web sites operated by participating lenders or other third parties. Such links are provided for your convenience and reference only. OnlineAdvanceNow.com does not operate or control in any respect any information, software, products or services available on such third party sites. OnlineAdvanceNow.com's inclusion of a link to a web site does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.


Dispute Resolution


Any controversy or claim arising out of or relating to the use of the web site, to the goods or services provided by OnlineAdvanceNow.com, or to any acts or omission for which you may contend OnlineAdvanceNow.com is liable, including but not limited to any controversy or claim as to arbitrability ("Dispute"), will be settled finally and exclusively by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association in effect at that time. The arbitration will be conducted in Palm Beach County, Florida and judgment on the arbitration award may be entered into any court of competent jurisdiction in Palm Beach County, Florida. No arbitrator shall have the power to award damages in connected with any Dispute in excess of actual compensatory damages and shall not multiply actual damages or award consequential, punitive or exemplary damages, and each party irrevocably waives any claim thereto. The agreement to arbitrate shall not be construed as an agreement to the joinder or consolidation of an arbitration under this agreement with an arbitration of disputes or claims of any non-party, regardless of the nature of the issues of disputes involved.

 


THESE TERMS PROVIDE THAT ALL DISPUTES BETWEEN YOU AND OnlineAdvanceNow.com WILL BE RESOLVED BY BINDING ARBITRATION. THUS, YOU GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. YOUR RIGHTS WILL BE DETERMINED BY NEUTRAL ARBITRATORS AND NOT A JUDGE OR JURY. By using OnlineAdvanceNow.com's service, you consent to these restrictions.

 


In the event the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and OnlineAdvanceNow.com, you agree that jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in Palm Beach County, Florida. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the services must be filed within one (1) year after such claim or cause of action arose or be forever barred.


Other Terms


By providing your cell phone number, you are agreeing to receive promotions from us and our partners on your mobile phone. We do not charge you to participate in this program. Under no circumstances will we be responsible for fees that your wireless carrier or other third parties may charge you for use of the Service.

 


These Terms constitute the entire agreement between you and OnlineAdvanceNow.com. These Terms shall be governed by the laws of the State of Florida without regard to its conflict of law provisions. If any part of these Terms is determined unenforceable pursuant to applicable law, then the invalid and unenforceable provision will be deemed superseded by a valid and enforceable provision that most closely matches the intent of the original provision and the remainder of these Terms shall remain in effect. Any failure by OnlineAdvanceNow.com to exercise or enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. OnlineAdvanceNow.com may amend these Terms at any time by posting the amended terms on its web site. All amended terms are automatically effective immediately, upon posting.


Questions


You may direct any questions concerning these Terms to:

 


OnlineAdvanceNow.com
c/o OAN Global Marketing LLC
PO Box 3363

Pinellas Park, FL 33780

 

Click Here to Ask a Question

 


Disclaimer - This is not a payday lender’s website. This site only attempts to match you with a lender based on the information you provide. You are not guaranteed to be approved for a loan, and certain states do not allow payday loans. APR, fees and due dates will be disclosed by the lender that accepts your application, after you choose your loan amount. Before you accept the loan or make any commitment at all you will be able to review the terms of the loan. If you do not like the terms you can decline the offer. On our Rates and Terms page you will find the laws for each state listed. These laws can be used as a guidline. You should only borrow what you can afford to repay and you should seek credit counseling if you have financial difficulties. Payday loans are short-term financial solutions and are not intended to meet long-term financial needs.


PO Box 3363, Pinellas Park, FL 33780