Home > Privacy Policy
This Privacy Policy explains how Zayloan.com collects, uses, shares, and protects your personal information, both online and offline. It also outlines your rights as a consumer regarding your personal information.
Collection of Personal Information
We collect the following categories of personal information about consumers:
Category after you provide your name, email, and phone number.
A verification link will be sent to your email address. It will direct you to a verification page where you must provide your name, email address, date of birth, driver’s license number or state ID number, and Social Security number.
We will match the personal information provided by you with personal information maintained by Zayloan.com.
You will also have to submit a signed declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request.
Once your identity is verified, your request will be processed in a timely manner.
Right to Request Deletion of Personal Information
You have the right to request the deletion of your personal information collected or maintained by Zayloan.com. You can do so by sending a request to [email protected] or by clicking here.
To verify your deletion request, you must provide your name, email, and phone number.
A verification link will be sent to your email address, directing you to a verification page.
On this page, you must provide your name, email address, date of birth, driver’s license number or state ID number, and Social Security number.
We will match this information with the personal information maintained by Zayloan.com.
You will also need to submit a signed declaration under penalty of perjury, confirming that you are the consumer whose personal information is the subject of the request.
Once your identity is verified, your request will be processed promptly.
Right to Opt-Out of the Sale of Personal Information
You have the right to opt-out of the sale of your personal information.
You can instruct Zayloan.com to stop selling your personal information and refrain from doing so in the future by clicking here or sending a request to [email protected].
If you are an Authorized Agent acting on behalf of a consumer to exercise their right to opt-out, please send an email request to [email protected].
You will be required to provide documentation to prove the agency relationship.
Right to Non-Discrimination for the Exercise of a Consumer’s Privacy Rights
You have the right to receive non-discriminatory treatment from us when you exercise your privacy rights under the CCPA.
Unless permitted by the CCPA, Zayloan.com will not:
Deny you goods or services.
Charge you different prices or rates for goods or services, including through discounts, benefits, or penalties.
Provide you with a different level or quality of services if you exercise your rights under the CCPA.
Suggest that you will receive a different price or rate for goods or services or a different level of quality of goods or services.
Authorized Agent Requests on Behalf of a Consumer
You have the right to designate an authorized agent to make requests under the CCPA on your behalf. To make a request as an authorized agent, please send an email request to [email protected]. You will be required to provide documentation that proves the agency relationship.
Last updated: July 1, 2020
Important Information: Please Review Carefully
If you are experiencing significant financial hardship, exploring alternative solutions or seeking advice from a qualified financial advisor is strongly recommended.
This website utilizes Site Visit Recording Technology to document interactions, including tools provided by third-party services like Jornaya’s LeadiD. By using this website and submitting your information, you agree to the use of this technology.
The owner of this website is not a lender, nor are they affiliated with any lending institution. We do not accept loan applications or participate in any lending-related activities, such as making credit decisions, arranging loans, or managing loan payments. Submitting your information through this site is simply a request to be matched with financial service providers who may be able to assist with your financial needs. These providers are solely responsible for evaluating your credit application, verifying your information, and making independent credit decisions.
The services offered on this website are purely administrative in nature (commonly known as “lead generation”) and are provided to you at no cost. Lenders and other financial service providers compensate us for connecting them with consumers seeking financial services. This often operates on a competitive bidding system, similar to Google AdWords, where the provider offering the highest bid is connected with the consumer.
In certain instances, you may have the option to connect with a tribal lending entity (“TLE”). Please be aware that TLEs operate under tribal and specific federal laws, exempt from state laws, including those related to interest rate limits. If you choose to engage with a TLE, it is important to understand that their rates and fees may be higher than those of state-licensed lenders. Furthermore, TLEs may require you to resolve any disputes within a tribal jurisdiction. It is essential to carefully review and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to decline any loan offer that you cannot afford to repay or that contains unacceptable terms.
By submitting your information via this website, you authorize the owner of this website and its network of available lenders to do a credit check,
By submitting your information through this website, you consent to allow us and our network of lenders to conduct a credit check, which may involve verifying your Social Security number, driver’s license number, or other forms of identification, as well as evaluating your creditworthiness.
These credit checks are typically conducted through major credit bureaus such as Experian, Equifax, and TransUnion, but may also include alternative credit reporting agencies like Clarity, DataX, or others. You also authorize us to share your information and credit history with our network of lenders and other relevant service providers.
Our lenders provide loans with Annual Percentage Rates (APRs) of 35.99% or lower. For eligible consumers, the maximum APR (including interest rates, fees, and other associated costs) is capped at 35.99%. All loans are subject to approval by the lender, based on their individual underwriting standards.
Example: For a loan of $4,300.00 with an APR of 35.99%, repaid over 30 monthly installments, the monthly payment would be $219.36, and the total amount payable would be $6,581.78. Loans have a minimum repayment period of 12 months and a maximum of 30 months.
Please note that this service is not available in all states.
Lender’s Disclosure of Terms
When a lender chooses to extend a loan offer to you, they are legally obligated to provide documentation outlining all fees and interest rate information associated with the loan. This includes any potential charges for late payments, as well as the terms for refinancing, renewing, or rolling over your loan, if permitted by law. Loan fees and interest rates are determined solely by the lender or financial service provider, based on their internal policies, underwriting criteria, and applicable legal requirements. We have no knowledge of or control over the specific loan terms offered to you.
The Impact of Late Payments on Your Credit Score
It is important to be aware that missing a payment or making a late payment can have a negative impact on your credit score. To protect yourself and your credit history, ensure that you only accept loan terms that you are confident you can repay. If you anticipate being unable to make a payment on time, contact your lender immediately to discuss available payment options.
