This Privacy Policy explains in detail how Pawn Nerd (“we”, “us”, or “our”) collects, uses, shares, and safeguards your personal information when you visit our website or engage with our loan services. We urge you to carefully peruse this policy prior to supplying any personal information to us.
Information Collection
Personal Identifiable Information (PII): We collect PII that you consciously disclose to us. This may include your full name, email address, phone number, postal address, employment details, financial information, or any other information that could be used to identify you personally. We collect PII through forms on our website, email communications, telephone, or face-to-face interactions.
Non-personally identifiable information (Non-PII): This refers to information that doesn’t directly identify you but can offer insights into your preferences and online behavior. This includes your Internet Protocol (IP) address, browser type and version, time zone setting, operating system and platform, the full URL clickstream to, through, and from our website (including date and time), products or services you viewed or searched for, download errors, lengths of visits to certain pages, interaction information (such as scrolling, clicks, and mouse-overs), methods used to browse away from the page, and any phone number used to call our customer service number.
Cookies: Our website uses “cookies” to enhance your experience. Cookies are small data files placed on your device to help our website ‘remember’ you and your preferences, ensure a consistent and efficient user experience, and deliver ads tailored to your interests. You can refuse to accept cookies by activating the appropriate setting on your browser.
Use of Your Information
At Pawn Nerd, your personal information forms the backbone of our ability to provide exceptional service and products. We are committed to handling your data responsibly and transparently. The following section outlines in detail how and why we use the information we collect from you.
This includes processes for service provision, communication, marketing, website improvement, and legal obligations. Understanding these practices will help you make informed decisions about your interactions with our services.
- Loan Services: We use your PII to provide personalized loan services, including processing your application, assessing your loan eligibility, and managing your loan account.
- Communication: We use your contact details to communicate with you about your loan, address any queries, complaints, or comments you might have, and send you important service-related notices.
- Marketing: With your explicit consent, we might send you newsletters, promotional materials, and information about products or services that could interest you.
- Website Improvement: We use Non-PII to understand how our users interact with our website and services, identify usage patterns, spot technical issues, and improve the overall user experience.
- Legal Obligations: We may need to process your data to comply with relevant laws, respond to lawful requests and legal processes, protect our rights and interests, enforce our policies, and prevent fraudulent activities.
Information Sharing and Disclosure
Transparency is fundamental to Pawn Nerd’ commitment to your privacy and trust. In certain situations, we must share your information with specific third parties to deliver our services effectively.
This section outlines the conditions under which we might disclose your data. By detailing these practices, we aim to provide you with a clear understanding of how your personal information flows within and outside our organization. We share your information under the following circumstances:
Service Providers: We may share your PII with trusted third-party service providers that perform vital operational tasks for us, such as website hosting, data analysis, payment processing, order fulfillment, information technology and related infrastructure provision, customer service, email delivery, credit checking, auditing, and other services.
Affiliates: We may share your information with our affiliated companies for business, operational, and marketing purposes. This only occurs if you’ve given us explicit consent to do so.
Marketing Partners: With your explicit consent, we may share your PII with selected third-party partners so that they can send you promotional communications about products or services that may interest you.
Legal Compliance and Protection of Rights: We may disclose your information to legal or governmental authorities if required by law or if we believe that such action is necessary to comply with legal requirements, protect our rights or interests, or prevent fraudulent activities.
Your Rights
Understanding your privacy rights is crucial in managing your personal data with any organization. At Pawn Nerd, we recognize and respect your rights as set forth by data protection laws.
This section provides a comprehensive overview of your various rights in relation to your personal data and how you can exercise them. By familiarizing yourself with these rights, you can take control of your personal information and make informed decisions about its use.
Access: You have the right to request a copy of the PII we hold about you.
Rectification: If you believe that any information we hold about you is incorrect or incomplete, you can request its correction.
Erasure: You can ask us to delete your PII if it’s no longer necessary for the purpose we collected it, or if you withdraw your consent.
Restriction: You can ask us to restrict the processing of your PII under certain conditions.
Objection: You can object to processing your PII under certain conditions.
Withdrawal: You can withdraw your consent at any time if we rely on it for processing your PII.
Data Security
We adopt robust measures to secure your information from unauthorized access, alteration, disclosure, or destruction. We implement physical, electronic, and procedural safeguards to protect your information. We limit access to your PII to employees, agents, contractors, and other third parties who have a business need to know. Despite these measures, we cannot guarantee 100% security due to the inherent vulnerabilities of Internet data transmission and storage.
Data Retention
We retain your PII for as long as it’s needed for its intended purpose or as required by law. Once it’s no longer needed, we securely delete or anonymize it.
Policy Updates
We may occasionally revise this Privacy Policy to reflect changes in our practices or in the prevailing laws. We will inform you of any significant changes by posting an update on our website or emailing you. After such updates, continued engagement with our website or services will signify your acceptance of the revised policy.
Contact Us
If you have any queries or concerns about this Privacy Policy or our handling of your personal data, please contact us at:
Pawn Nerd
Email: [email protected]
This policy was last updated on June 20, 2023.
