PAdvances Privacy Statement

In this privacy statement, 'you' and 'your' means you, the applicant. 'We', 'us', or 'our' means PAdvances.com.
Goal Statement

At PAdvances.com, our goal is to meet the needs of our customers. We respect the privacy of our customers and we believe you have the right to expect that information you entrust to us will be treated with appropriate discretion. As part of our Privacy Policy, we have adopted the following principles to serve as standards.

Recognition of Customer's Expectations of Privacy

Because PAdvances.com recognizes that you have the right to privacy, we also recognize that you have the right to expect your personal financial information to remain private and secure. While certain information is critical to providing quality service, we cannot overlook the fact that one of our most important assets is our customers' trust. Therefore, the safekeeping of customer information is a priority at PAdvances.com.
Our Collection, Our Customers and Use of Information About You

Information about our customers is accumulated from a variety of sources. Some of the information is provided to PAdvances.com directly by you. Other information could be obtained from outside sources. We will limit the use and collection of information about our customers to that which is necessary to administer our business, provide exceptional service, and mitigating potential risks or losses to PAdvances.com. We will use this information only in accordance with the principles indicated in this policy.

This privacy policy applies to people signing up on said site. We may share or transfer the information you supply on this site to other third party businesses to bring selected retail opportunities to our members via direct mail, email and telemarketing. These businesses may include providers of direct marketing services and applications, including look up and reference, data enhancement, suppression and validation and email marketing.

USA PATRIOT Act. In order to prevent the United States payment system from being used to finance terrorist activities or for money laundering, federal law now requires that we obtain from you and verify information establishing your identity. We must have your full name, your current address, your social security or other taxpayer identification number and your date of birth. As with other information we collect, this information will be used and transferred only as permitted by law. You authorize us to collect this information, to verify the information provided and to transfer it as you direct.

Maintenance of Accurate Information

PAdvances.com has established procedures to ensure that your financial information is accurate, current and complete, in keeping with reasonable commercial standards. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies in a timely manner.

Limitations on Access to Information

At PAdvances.com, employee access to personally identifiable customer information will be limited to those with a business reason for knowing such information. Employees are trained on the importance of maintaining the confidentiality of customer information. All PAdvances.com employees are responsible for maintaining the confidentiality of customer information and any employee who violates these privacy principles will be subject to disciplinary measures.

Security Procedures to Protect Information

PAdvances.com is committed to the security of your financial and personal information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties.

Restrictions on the Disclosure of Account Information

Except as otherwise provided in this privacy policy, it is PAdvances.com policy not to reveal specific information about customer accounts or other personally identifiable data to unaffiliated third parties for their independent use unless:

1) the information is provided to help complete a customer-initiated transaction;
2) the customer requests or authorizes it;
3) The information is provided to a reputable credit bureau or similar information reporting agency;
4) the disclosure is required or allowed by law (e.g. subpoena, investigation of fraudulent activity, requested by regulator, etc.); or
5) the customer has been informed about the possibility of disclosure for marketing purposes through a prior notice and given the opportunity to decline or "opt out", whenever required or as permitted by law.

Responding to Customer Inquiries

Customers who have questions about these Privacy Principles or have a question about the privacy of their customer information can contact us at privacy@padvances.com.

Protection of Customer Information on our Website

PAdvances.com protects the privacy or customer information sent to and from our websites by utilizing the same security and privacy standards that are applied to traditional financial transactions. These Privacy Principles apply to individuals, and we reserve the right to change them, along with related provisions at any time.

Detailed Wireless Policy

Data obtained from you in connection with this SMS service may include your name, address, cell phone number, your provider's name, and the date, time, and content of your messages. In addition to any fee of which you are notified, your provider's standard messaging rates apply to our confirmation and all subsequent SMS correspondence. All charges are billed by and payable to your mobile service provider. We will not be liable for any delays in the receipt of any SMS messages, as delivery is subject to effective transmission from your network operator. SMS message services are provided on an AS IS basis.

We may use personal information to provide the services you've requested, including services that display customized content and advertising. We may also use personal information for auditing, research and analysis to operate and improve our technologies and services. We may share aggregated and non personal information with third parties outside of PAdvances.com. When we use third parties to assist us in processing your personal information, we require that they comply with our Privacy Policy and any other appropriate confidentiality and security measures. We may also share information with third parties in limited circumstances, including when complying with legal process, preventing fraud or imminent harm, and ensuring the security of our network and services.