Privacy Policy

Protecting your private information is our priority. Please read this notice carefully to understand our Website Use Policy. This Website Use Policy applies to the website of www.payment1.com and Payment 1 Financial Company, Inc. and governs data collection and usage through your use of this website. For privacy policies pertaining to loan transactions with us, please see our separate Privacy Policy. For the purposes of this Website Use Policy, unless otherwise noted, all references to Payment 1 Financial include www.payment1.com, Payment 1 Financial Company, Inc., Payment 1 Financial and any affiliates or subsidiaries of same. By using the Payment 1 Financial website, you consent to the data practices described in this policy.

Collection of Information

Activity Information.  When you access and interact with Payment 1 Financial website, we may collect certain information about those visits.  For example, in order to permit your connection to the website, our servers may receive and record information about your computer, device, and browser, including potentially your IP address, browser type, domain names, access times, and other software or hardware information. If you access the website from a mobile or other device, we may collect a unique device identifier assigned to that device, geolocation data, or other transactional information for that device. The Payment 1 Financial website may use “cookies” to help you personalize your online experience. Cookies and other tracking technologies (such as browser cookies, pixels, beacons, and Adobe Flash technology including cookies) are comprised of small bits of data that often include a de-identified or anonymous unique identifier. Websites, applications and other services send this data to your browser when you first request a web page and then store the data on your computer so the website can access information when you make subsequent requests for pages from that service. These technologies may also be used to collect and store information about your usage of the website, such as pages you have visited, content you have viewed, search queries you have run and advertisements you have seen. Third parties that support the Payment 1 Financial website or services, such as allowing you to share content or tracking aggregate usage statistics, may also use these technologies to collect similar information. Payment 1 Financial does not control these third-party technologies and their use is governed by the privacy policies of third parties using such technologies. Most browsers are initially set to accept cookies, but you can change your settings to notify you when a cookie is being set or updated, or to block cookies altogether. Please consult the “Help” section of your browser for more information. Users can manage the use of Flash technologies, with the Flash management tools available at Adobe’s website, see https://www.adobe.com/products/flashplayer/security/privacy_policy/faq.html. Please note that by blocking any or all cookies you may not have access to certain features, content, or personalization available through the website.

Use and Disclosure

We collect information from you when you fill out a form or enter information on our site.

How do we use your information?

Payment 1 Financial uses the information it collects for the operation of the website and its services, to maintain quality of the service, and to provide general statistics regarding use of the Payment 1 Financial website. Payment 1 Financial encourages you to review the privacy statements of websites you choose to link to from Payment 1 Financial so that you can understand how those websites collect, use and share your information. Payment 1 Financial is not responsible for the privacy statements or other content on websites outside of the Payment 1 Financial website. Payment 1 Financial does not sell, rent or lease the information it collects to third parties. Payment 1 Financial may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide/exchange these services to/with Payment 1 Financial, and they are required to maintain the confidentiality of your information. There may be instances when Payment 1 Financial may disclose your information, including situations where Payment 1 Financial has a good faith belief that such disclosure is necessary in order to: (i) protect, enforce, or defend the legal rights, privacy, safety, or property of Payment 1 Financial, or our respective employees, agents, and contractors (including enforcement of our agreements and our terms of use); (ii) protect the safety, privacy, and security of users of Payment 1 Financial website or service or members of the public; (iii) protect against fraud or for risk management purposes; (iv) comply with the law or legal process; or (v) respond to requests from public and government authorities.

Security

Payment 1 Financial uses commercially reasonable administrative, technical, personnel and physical measures to safeguard information in its possession against loss, theft, and unauthorized use, disclosure, or modification. However, no one can guarantee the complete safety of your information.

Children Under Thirteen

Payment 1 Financial does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, you should not be utilizing our site since you are not of legal age to enter into a promissory note or become an employee of Payment 1 Financial in any capacity.

Updates to Privacy Policy

Payment 1 Financial may modify this Website Use Policy.  Please look at the Effective Date at the top of this Website Use Policy to see when it was last revised.  Any changes to this Website Use Policy will become effective when we post the revised policy on the Payment 1 Financial website.

Location of Data

This website is hosted in and managed from the United States. If you are a user located outside the United States, you understand and consent to having any personal information processed in the United States.  United States data-protection and other relevant laws may not be the same as those in your jurisdiction; this includes the use of cookies and other tracking technologies as described above.  As a result, please read this Website Use Policy with care.

Linked Services

This website may also be linked to sites operated by unaffiliated companies, and may carry advertisements or offer content, functionality, games, newsletters, contests or sweepstakes, or applications developed and/or maintained by unaffiliated companies. Payment 1 Financial is not responsible for the privacy practices of unaffiliated companies and once you leave the Payment 1 Financial website or click a link you should check the applicable privacy policy of the other service.

Data Retention

We will retain your information for the period necessary to fulfill the purposes outlined in this Website Use Policy unless a longer retention period is required or authorized by law.

Texas Questions or Complaints

Payment 1 Financial / Compliance Dept 1810 E Lohman Ave Las Cruces, NM 88001 575.652.4693 info@payment1.com For questions or complaints about this loan, contact the lender at Payment 1 Financial / Compliance Dept at 575.652.4693, 1810 Las Cruces, NM 88001, info@payment1.com. The lender is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting the lender, consumers can contact the OCCC to file a complaint or ask a general credit-related question. OCCC address: 2601 N. Lamar Blvd., Austin, Texas 78705. Phone: (800)538-1579. Fax: (512)936-7610. Website: occc.texas.gov. Email: consumer.complaints@occc.texas.gov. Para preguntas o quejas acerca de este préstamo, póngase en contacto con el prestamista en Payment 1 Financial / Compliance Dept al 575.652.4693, 1810 Las Cruces, NM 88001, info@payment1.com. El prestamista autorizado y examinado con arreglo a la ley de Texas por la Oficina de Crédito al Consumo Comisario (OCCC), una agencia estatal. Si no puede resolver una queja o pregunta poniéndose en contacto con el prestamista, los consumidores pueden comunicarse con el OCCC para presentar una queja o una pregunta general relacionada con el crédito. Dirección de la OCCC: 2601 N. Lamar Blvd., Austin, Texas 78705. Teléfono: (800)538-1579. Fax: (512)936-7610. Sitio web: occc.texas.gov. Email: consumer.complaints@occc.texas.gov. New Mexico Questions or Complaints TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL Payment 1 Financial / Compliance Dept 1810 E Lohman Ave Las Cruces, NM 88001 575.652.4693 info@payment1.com This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website https://www.rld.state.nm.us/financialinstitutions/FactsWHAT DOES PAYMENT 1 FINANCIAL DO WITH YOUR PERSONAL INFORMATION?

Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Information we receive from you on applications or other forms, such as your name, address, Social Security number, income and debts Information about your transactions with us, our affiliates or others, such as account balances and payment history Information we receive from a consumer reporting agency, such as your credit history and credit scores
How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Payment 1 Financial chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Payment 1 share?	Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes— to offer our products and services to you	Yes	No
For joint marketing with other financial companies	No	We don’t share
For our affiliates’ everyday business purposes— to offer our products and services to you	Yes	No
For our affiliates’ everyday business purposes— information about your credit worthiness	No	We don’t share
For our affiliates to market to you	No	We don’t share
For nonaffiliates to market to you	No	We don’t share

Questions?

For questions or complaints about this loan, contact Payment 1 Financial / Compliance Dept at 575.652.4693,1810 Las Cruces, NM 88001, info@payment1.com. The lender is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting the lender, consumers can contact the OCCC to file a complaint or ask a general credit-related question. OCCC address: 2601 N. Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579. Fax: (512) 936-7610. Website:  occc.texas.gov. E-mail: consumer.complaints@occc.texas.gov. Para preguntas o quejas acerca de este préstamo, póngase en contacto con Payment 1 Financial / Compliance Dept at 575.652.4693, 1810 Las Cruces, NM 88001, info@payment1.com. El prestamista autorizado y examinado con arreglo a la ley de Texas por la oficina de crédito al consumo Comisario (OCCC), una agencia estatal. Si no puede resolver una queja o pregunta poniéndose en contacto con el prestamista, los consumidores pueden comunicarse con el OCCC para presentar una queja o una pregunta general relacionada con el crédito. Dirección de la OCCC: 2601 N. Lamar Blvd., Austin, Texas 78705. Teléfono: (800) 538-1579. Fax: (512) 936-7610. Sitio web: occc.texas.gov. Correo electrónico: consumer.complaints@occc.texas.gov.