1. Personal Information You Choose to Provide in applying
When you apply for any of our loans for payday products, loans services or newsletters you will provide us information about yourself.
If you choose to correspond with us through email regarding your loans for payday, we may retain the content of your email messages together with your email address and our responses. We provide the same protections for these electronic communications that we employ in the maintenance of information received by mail and telephone.
2. Web Site Use Information
Similar to other commercial Web sites, our Loans for Payday Web site utilizes standard technologies and web server log files to collect information about how our Web site is used. Information gathered through cookies and Web server logs may include the date and time of visits, the pages viewed and time spent at our Web site.
Sharing and Selling Information
We do not share, sell, lend or lease any of the information that uniquely identifies subscribers (such as email addresses or personal details) with anyone except to the extent it is necessary to process loans transactions or provide services that you have requested.
What About Legally Compelled Disclosure of Information?
We may disclose information collected during your loan application when legally compelled to do so, ie when the law requires it or for the protection of our legal rights. We may also disclose loans account information when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be violating our Terms of Service or to protect the safety of other loans for payday users and the Public. As a condition of extending credit, some lenders you may be matched with may run a credit check from a major credit reporting bureau.
What About Other Web Sites Linked to from the Top Hat Money Web Site?
Our Commitment To Data Security:
Please note that any information collected during your loan application or subsequently in the processing and managing of your loan will be stored and processed on our computers in the United Kingdom. We have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online to prevent unauthorized access, maintain data accuracy, and ensure the correct use of this information.
This Web site allows visitors to unsubscribe from future loans for payday messages and newsletters. After unsubscribing we will discontinue sending the particular loan messages as soon as technically feasible.
About Children and Payday Loans
Children are not eligible to apply for payday loans and therefore are not eligible to use our services unsupervised. We ask that children (under the age of 18) do not submit any personal information to us, either via our application form or via any other means. If you are a minor, you can use this loans service only in conjunction with permission and guidance from your parents or guardians.
Acquisition or Changes in Ownership
In the event that this Website (or a substantial portion of its assets) is acquired, your information would be considered part of those assets, and may be part of those assets that are transferred.
A cookie is a small file, typically of letters and numbers, saved to a users browser when the user accesses a website.
All modern browsers are set up to do this by default, no personal information is supplied, the website simply looks for its cookie and if it doesn’t find one it asks the browser to keep one.
This file is unique to the originating website, it can only contain information set by the originating website and is only accessible to the originating website.
The cookie can be read by the originating website during this visit (session cookies) or sometimes on subsequent visits (persistent cookies) allowing websites to ‘remember’ what you have in your basket, or any preferences you have relating to that website.
This website uses:
- Persistent Cookies via Google Analytics, a web analytics tool.
- Persistent Cookies via the Google Adwords, an Ad Network.
- We also use various social buttons, Facebook Like, Google Plus One, Twitter Tweet and Follow. These social buttons may be gathering usage information.
Web analytics tools, of which Google Analytics is the most common, are used by almost every website to provide insight into the behaviour of visitors to the site.
Analytics tools help website owners answer all sorts of questions like:
- What are the most popular pages on my site?
- What pages don’t visitors appear to like?
- What browsers are my visitors using?
- What days or times bring the most visits?
Having answers to questions like this is vital to site owners to be able to provide a good service to their users.
This information is completely anonymous. There is no way a website can tell who a visitor is or find any information about that visitor other than information they specifically give to that website. There is absolutely no invasion of your privacy in gathering this information.
However, the Information Commissioners Office (ICO), the body responsible for enforcing the new cookie regulations in the UK, has clearly stated that this kind of tracking technology will require a visitor’s consent before it can be used.
All websites that are interested in providing a good service to their users and in monitoring and improving this service use some form of web analytics tool. The ICO website itself uses Google Analytics to track useage.
If website owners are prevented from collecting this information the end result will be a poorer web experience for all visitors.
Google also use persistent cookies to serve ads based on a users prior visits to the websites in their network. In this instance Google’s use of the DART cookie would enable it and its partners to serve ads to users of the Top Hat Website based on their visit to the Top Hat Money website and/or other sites on the Internet.
You may opt out of the use of the DART cookie by visiting the >advertising opt-out page.