If you are under 18 years old, you may not use the Services or provide any of your personal information.
INFORMATION COLLECTION AND USE
We collect personally identifying information to give you access to the Services, to optimize your experience using the Services, to respond to a request, and for email communications from the Company. For such uses, you may be required to provide your Facebook username, e-mail address and other personally identifying information (such as your name, phone number or date of birth) as we may deem necessary under the circumstances. When you provide any personally identifying information, you acknowledge that you are knowingly and voluntarily providing us the information, and that all such information is accurate and up-to-date.
We may use your IP address and other related information such as browser type, time zone settings and operating system in order to grant you access to and otherwise administer Services.
We may collect certain usage information about our Services, such as the number and frequency of users and/or users' Internet Protocol (IP) addresses, which are automatically logged and are used by the Company and its partners to analyze user activity at an aggregate level, such as the number of visits and geographic optimization. This data is used only in the aggregate and does not include any personally identifying information.
YOUR ACCESS TO AND CONTROL OVER INFORMATION/OPTING OUT
You may opt out of any future communications from us at any time and cancel your account. You can also request the information we have stored about you. You can also change or correct information in your online profile.
The Company may share the fact that you have a Rainy Day account in good standing with any organization with which the Company has executed a non-disclosure agreement. This may allow the Company to help you obtain access to other products and services for which you have applied such as a mortgage, credit card or bank account.
Under circumstances such as loan default, the Company does share information with credit agencies and other financial firms related to credit defaults, and with those persons who referred you to Rainy Day to report that the loan was repaid on time or when the loan repayment is delayed or defaulted since these situations would have a positive or negative impact on their account.
The Company may provide such information to third parties without your consent if it reasonably believe that access, use, preservation or disclosure of such information is necessary to (a) satisfy any applicable law, regulation, legal process or enforceable governmental request, (b) enforce the terms applicable for use of the Services, including investigation of potential violations, (c) detect, prevent, or otherwise address fraud, security or technical issues, or (d) protect against imminent harm to the rights, property or our safety or the safety of our users or the public as required or permitted by law.
SUBMISSION OF OTHERS' PERSONAL INFORMATION
We use best-in-class cloud based web and data hosting services to store your data. Any transmission of data, such as filling out the online application, is done through using an encryption method such as secure socket layer (SSL) and authentication to protect the loss, misuse and alteration of your personal information under our control. Registered accounts are secured by your created username and password, and we take precautions to insure that account information is kept private. We use reasonable measures to protect member information that is stored within our database, and we restrict access to member information to those employees who need access to perform their job functions, such as our representatives and technical staff.
Please note that we cannot fully guarantee the security of account information. Unauthorized entry or use, hardware or software failure, and other factors may compromise the security of information at any time.
Electronic communications, including emails are not necessarily secure when they are transmitted. If your communication is sensitive or includes highly confidential information, you may want to provide it through a secure connection to our website, by post or via the telephone instead. The Company does not regularly collect credit card information but should it be necessary to provide credit card details those should only be submitted through a secure connection to our website.
With respect to your banking information, this information is sent encrypted to a secure server only for disbursement and payment processing. The information is then used solely to complete your transaction.
COOKIES AND WEB BEACONS
Like many companies, we use "cookie" and/or "web beacon" technology. Cookies may give us such information as your log in details and when you have accessed the Services before. Web Beacons are tags that can monitor the behavior of a user accessing the Services.
Cookies are used during your connection with the Services to allow you free access to the Services and to use the Services without repeatedly requiring you to re-enter your user name and password. The cookies do not provide us with any way to contact you.
You may be able to configure your browser to accept or reject all or some cookies, or notify you when a cookie is set -- each browser is different, so check the "Help" menu of your browser to learn how to change your cookie preferences -- however, you may have to enable cookies from in order to use and access some of the Services.
Information recorded through web beacons is used to report anonymous individual and/or aggregate information about our users.
OTHER INFORMATION YOU SUBMIT
If you provide us with information other than personally identifying information, including suggestions about the Services, all such information shall be solely owed by the Company and may be used, reproduced, modified, distributed and disclosed by us in any manner in our sole discretion, without paying compensation to you.
HOW TO CONTACT US