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Representative Example: $1,000 loan over a 12-month term would have a total cost, including interest,
a total payback amount of $1,134.72. APR 29.82%. Rates between 5.99% APR and 35.99% APR.
Loan term lengths from 61 days to 72 months for qualified consumers. Advertiser's Disclosure.

PRIVACY & POLICY

The Privacy Policy given here under is meant to replace any previously published policy on 34 money. Conflicts that exist between any other privacy policy and the current one will mainly mean that the present Privacy Policy or the one mentioned here under is dominant.

Agreement & Acknowledgement

34 money is intended to be used only by people who are over the legal age of 18 and people who are legal US citizens. We urge you to take a few moments to review these terms stated in this present Privacy Policy. By agreeing to use 34 money ‘s services you are automatically agreeing to the policy stated here. If you aren’t in agreement with the terms of this policy or currently are under the legal age of eighteen (18) or not a US citizen then please refrain from using our services.

Change notification to 34 money Privacy practices

We strongly reserve our right to update our Privacy Policy in order to reflect these changes we have to make to our existing information practices every now and then. This is why if changes are made to 34 money information practices this privacy policy will be revised. We advise you to always review and read our privacy policy every time you visit this website or decide to use our service.

Personally Identifiable Information

At times we will combine and collect PII or Personally Identifiable Information in addition to non-personally identifiable information via a number of sources in addition to the ones we have discussed below. PII stands for data which is collected with the intention of identifying, locating our contacting a person which may include but is not limited to his or her SSN (social security number), your first and last name, zip code, address, driver’s license, phone number, work number, date of birth, time of birth, job title, employer’s address, employer’s name, ABA/ routing number, IP address, pay dates, compensation, name of your bank, direct deposit, loan amount needed, net income each month and computer specifications. Non-PII data is not used to identify, locate, or contact an individual which may include but is not limited to IP address, gender, zip code and age etc.

About Us

The privacy policy comes to you from 34 money. Our website is 34 money, we operate, interact and do business with our customers through our website, we also maintain our customer database via this website. The database stores information from individual consumers and prospects alike. We make use of a number of third party vendors, numerous media advertisements and third party affiliates to promote our business, so that people know where to find us if they are interested in completing an application online or what to supplement with our database by buying the third party database of various consumers who have opted to complete applications on websites except for our site and have affirmed their request to get information in relations to our services and products. In addition our third party services are advertised via referrals and via PPC advertisements which is geared towards redirecting you to our website. 34 money assumes that you agree to our using the PII and also the Non-PII that we collect for the given purposes.

Information is collected and retained about you so that we can communicate in order to process requests in regards to our services and products. We will also inform you of new financial services that we think you may be interested in via our newsletter. All examples contained in the Privacy Policy are merely illustrative and are not exclusive.

OPT-IN / OPT-OUT

Our affiliates and or also our third parties hold the right to promote services and products via telephone, and email to all consumers who have willingly requested to be contacted via our site’s application opt-in process also through our Opt-in process by our affiliate sites or third party vendor. Our list members will get telephone contacts or emails until they want to discontinue receiving such information.

We offer the option whereby listed members can also be removed from our contact list whenever they need, no questions asked. In order to get yourself off our information database in order to not to receive communications in the future, you can do any one of the things stated below

You can either email us to support@34money.com Visit 34 money and hit the ‘unsubscribe’ button However, you need to keep in mind that certain activities on our website is limited to people whose information we do not have. Your email address and your phone numbers that we get via an opt-out request is added to our Do-Not contact list within ten days of receipt.

If we do not hear from you we assume your consent in the way of receiving communications from our company, affiliates and third party vendors.

If any one of our members choose to be removed from the company’s contact list, this request will need to be forwarded to the specific vendor or an affiliate who has provided the List Member’s information to us so that the member’s contact information can be put into the Do Not Contact category. However, you need to remember that if your information was previously purchased via a third party affiliate or vendor we may not be the only company who has purchased your information. Also any affiliate or third party could have purchased this information from yet another third party and so you may still continue to get contacts from those companies. 34 money does not bear any responsibility for stopping all unsolicited emails from beyond sources under our control
34 money is a CAN-SPAM complaint company.

MINORS

34 money will not knowing collect any info from kids that are under the legal age of 18. We do not collect information from kids regardless of what happens or what the purpose may be which also includes for promotional and marketing purposes. If you have become aware that a kid of which you are a parent or guardian of has made available private information via our point of contact then we urge you to contact us immediately so that we can delete this information from our records.

Collection and Usage of General Information

34 money will collect information via our site from both existing and prospective customers at many different points on our website. We will use contact information to then send information in regards to our services, and about our company. Users have the choice to opt out of getting this information in their mail in the future. Please check out our Opt-Out/Opt-in section of this Privacy Policy. The financial and contact information that we collect is used to verify your address, name etc. Not every bit of information which is asked for on our site is required but we do need the following data: last and first name, social security number, zip code, length, city, address, duration of stay at present address, your email address, if you have your own home or have rented one, work telephone number, state ID number, ABA/ routing number, job title bank phone number, etc.

Information in regards to your computer’s hardware and the software that runs on it is also collected by 34 money and could be shared in aggregate with other third parties whose services we use for mostly traffic analysis. Computer related information will include your browser type, IP address, referring website address, access times, domain names etc. This information will help to improve the information and quality of service provided by 34 money. We do not use a third party database to update or correct the information you submit regardless of the reason.

Cookies

Cookies are small pieces of data which are stored on a person’s hard drive which contains information about them. However, the usage of a cookie is not in any way lined to personally identifiable information when on our website. If you reject the cookie you are still able to view our website but without being able to access to certain features of our website. Our cookies are also used to track as well as target people with things they are interested in which enhances their experience on our website. The cookies which are served i.e. persistent and session based are tied into the Personally Identifiable Information that we provide you with.

A few of our business partners also use cookies on our website for instance advertisers. However, we are not able to control these cookies.

Links

34 money contains a few links to a different websites mostly consisting of third parties. However, we urge you to be aware because 34 money is not responsible for other websites and their privacy practices. We ask our users to be aware when leaving our website to always read the privacy statements of every website which collects information from them. This present privacy statement applies just to the information which is collected by 34 money even in instances where other sites may be in frame with ours. We may also choose to co-brand a few services with third parties as well as affiliates. It will become clear from the point of collection exactly who is collecting this information and what the privacy statement governs. Let’s take for instance without having to limit forgoing, we will co-brand with credit reporting agencies, automotive companies and insurance brokers.

Security

A number of security technologies are employed which help to protect the personal information of visitors to our website from unauthorized use, disclosure and access. An example of this is that we will store personal information that you provide on our computer systems in places which has limited access often located in very controlled facilities. When highly confidential information is transferred over the internet we ensure to protect it with the use of Secure Socket Layer encryption protocol.

Disclosure

34 money cannot fully ensure that all private communications and also the personally identifiable info we have will not be disclosed in other ways which is not described in our Privacy Agreement. For instance we may be forced to go ahead and disclose information to other third parties or the government under certain situations. Third parties could also unlawfully work to intercept our private communications.

However, suffice to say that if you chose to opt-out from any future contact with 34 money via the opt-out mechanism given in every email sent to you on behalf of third party services provides and 34 money, your email address will be provided to the third party service provider so that this service provider can put your name and your contact information on their own DNC (do not contact) list.

34 money reserves the right to buy other businesses or purchase assets as we develop or even sell our existing business assets. However, customer information tends to be the most important asset involved during these transactions. This is why in the event that we i.e. 34 money sell our assets it will include customer information, visitor information and other pieces of information collected via our website. For further information on this please see our “Notification of Changes” section of the privacy policy.

34 money reserves the right to be able to disclose all or some member information in situations termed as “special cases” i.e. when we have reasons to believe that the disclosure of this information is imperative to contact, identify and to bring legal action to anybody who is causing interference and injury. 34 money also fully reserves the right to be able to disclose visitor / member information in good faith when the law needs it.

By law we are required to disclose personally identifiable information or when we believe that this disclose is needed in order to protect our rights or to comply with judicial proceedings, legal process or court order.

Information Sharing with Affiliates

When you put in a request for a quote or information you are in fact granting 34 money or our affiliates to contact you. We will share both the loan request data and your contact information which you submit for a quote in addition to your 34 money account number info with our affiliated companies like commercial lenders, licensed loan brokers and banks so that we can fulfill information requests that we get from you in order to ensure a superior service by providing service and product opportunities which may interest you and also various other business purposes we could disclose all information we have collected as described above with the following affiliated companies: mortgage and life insurance companies, numerous financial service providers, debt and credit services, title service companies and auto finance companies.

Information Sharing with our Co-Branded Partners

A few of the services on 34 money have been co-branded with our contracted partners. Our co-branded offerings can be identified directly via quote request form for the service or product you choose prior to actually submitting the request. In instances where the co-branded service or product provided has been identified the personally identifiable information you enter in will be given directly to the provider via their website and does not come to 34 money. The service or product provider will then control the data once they have it, which can be used for tracking and identification by sharing it with 34 money.

Personal information can be used in order to provide services which you have requested this includes customized advertising and content. This is in addition to any fee which of which you have been notified by your provider as standard messaging rates which apply in order to confirm and also all SMS correspondence later on. You have the option to either Opt out to remove your SMS info by simply sending “STOP”, “QUIT”, or “END” to the text message you get. Once your SMS info has been removed from our database we will not be able to be used for secondary purposes or disclosed to our third parties.

Registry Compliance shouldn’t be contacted

By submitting your personal contact or your financial information you are granting written permission for us, our affiliated sites and our business partners to get in contact with you via mail, telephone, or even email. Then by registering at 34 money you are willfully consenting to get phone calls from us, our business partners and affiliated sites which are not just limited to lenders who will contact you in regards to a loan.

Previous Customers

Information pertaining out our former customers are treated in the same way as our current customers.

Security And Confidentiality

We mainly restrict all types of access to nonpublic information about individuals to all but a few employees that need to have this information to provide services and products. We also maintain electronic, procedural and physical safeguards which are compliant with federal standards in order to guard against your nonpublic information from all unauthorized access and use.

The work of maintaining accurate information tends to be a responsibility we need to share. We work to maintain the information’s integrity that is provided to us and as notified we will update all our records. Please contact us via the address and the phone number below when you want to change or update your information.

Service and Site Updates

34 money sends service announcement and site updates. Our members will not be able to just unsubscribe from our service announcements which will contain important information in regards to the service. We will also communicate with users in order to provide those requested services pertaining to issues via phone when needed.

Update / Correct Information

If you need to verify the data which we have gotten from you previously, like to make corrections or even disable the usage of personal info, then please contact us or log into the account area on 34 money

Disclosures
Important Disclosures. Please Read Carefully.

This website provides its services free of charge. In order for us to provide a free service to you, we may receive compensation from third-party advertisers. This compensation may affect the manner in which certain products or services may be displayed throughout our website. Please note that not all financial service products or services are available through this website.

Material Disclosure:

The operator of this website is not a lender, and we do not control and are not responsible for the actions of any lender. Not all lenders in our network can provide up to $5,000. The service is not available in all states. Residents of New York are not eligible to use the service to request a loan. We can’t guarantee that your request will be accepted by one of participating lenders. The service is absolutely free. We do not charge you for any service. You may exit the process at any step as you are under no obligation to accept the loan presented. For details on your loan please contact your lender directly. Credit Implications We do not make any loans or credit decisions. Our lenders may perform credit checks to determine your credit worthiness, credit standing and/or credit capacity. By submitting your request you agree to allow our lenders to verify your personal information and check your credit. Please be aware that missing a payment or making a late payment can negatively impact your credit score. Our lenders do not look at credit alone so a low score won't necessarily disqualify you. Our lenders also look at income and previous outstanding loans. APR Disclosure Your lender will provide you with the terms and fees of your loan, APR, repayment terms and costs prior to the execution of your loan documents. APRs and repayment terms provided by lenders may vary depending on specific criteria. Representative APRs range from 5.99% to 35.99%. Loans repayment period: minimum 61 Days, maximum 72 months APR is based on the amount of your loan, cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. APRs may be regulated by state and local laws. As we do not have access to the terms of your loan, so only lenders can provide you with information about your loan terms and rates, renewal policy and the implications of non-payment and late payment.

Lender Network Disclosure

This website is a free no-obligation service which connects consumers who are looking to borrow with lenders who are willing to lend to them. We are not a lender and we don’t provide any loan funds, make lending decisions or influence loan approvals. Lenders in our network each have unique lending criteria and individual terms and conditions. When a lender approves you for a loan, they will provide you with a no-obligation loan offer which you should read carefully before deciding whether to progress with the loan. You are under no obligation to accept any loan offers you are provided with. Using This website allows you to reach a network of lenders who might be able to help with your needs via one quick and easy form. We use our bespoke financial technology to save you time and effort connecting to a lender who can help with your needs,

Credit Check Disclosure

We do not make any loans or credit decisions. Our lenders may perform credit checks to determine your credit worthiness, credit standing and/or credit capacity. Credit checks may be performed with the 3 reporting credit bureaus: Experian, Equifax, and Trans Union. By submitting your request you agree to allow our lenders to verify your personal information and check your credit. Please be aware that missing a payment or making a late payment can negatively impact your credit score.

We do not make any loans or credit decisions. Our lenders may perform credit checks to determine your credit worthiness, credit standing and/or credit capacity. Credit checks may be performed with the 3 reporting credit bureaus: Experian, Equifax, and Trans Union. By submitting your request you agree to allow our lenders to verify your personal information and check your credit. Please be aware that missing a payment or making a late payment can negatively impact your credit score.

State Availability Disclosure

Not all This website network lenders operate in all US states. Residents of some US states may not be eligible for installment loan products, due to state legislation requirements. By entering your ZIP code at the start of our loan offer process, you shall be informed of any limitations regarding obtaining a loan if you are resident in certain US states.

Truth in Lending Policy

All lenders in the This website network adhere strictly to the Truth in Lending Act and will provide fully transparent loan offers and contractual agreements as best practice and as required by federal law. Truth in Lending helps protect consumers against predatory and unscrupulous lending. It’s really important to read all paperwork carefully to ensure you understand repayment terms, dates, APR and any other charges associated with your loan. Remember, you are under no obligation to accept any loan offer unless you are completely happy with the terms offered.

When you receive a loan offer via our network, your lender will disclose details of all relevant loan information, including the applicable interest rates, any additional fees there may be, repayment terms, unique terms and conditions and any other key loan information. You should read and understand this information before you decide to progress with the loan offer. It’s important to us that you make informed financial decisions when you use our services. There’s no obligation or pressure to accept any loan offer you are provided with, and you can choose to decline any loan offer made to you.

APR Disclosure

Your lender will provide you with the terms and fees of your loan, APR, repayment terms and costs prior to the execution of your loan documents. APRs and repayment terms provided by lenders may vary depending on specific criteria. Representative APRs range from 5.99% to 35.99%. Loans repayment period: minimum 61 Days, maximum 72 months APR is based on the amount of your loan, cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. APRs may be regulated by state and local laws. As we do not have access to the terms of your loan, so only lenders can provide you with information about your loan terms and rates, renewal policy and the implications of non-payment and late payment.

Representative Example
APR, Total Loan Costs & All Applicable Fees

Loan Amount $1,000 $2,000 $5,000 $10,000
Interest Rate 24% 19% 13% 8%
Loan Term 12 Months 24 Months 48 Months 60 Months
Fee 3% 5% 8% 10%
Fee Cost $30 $100 $400 $1,000
Repayment $94.56 $100.82 $131.67 $202.28
APR 29.82% 24.12% 18.23% 9.20%
Total Payments $1,134.72 $2,419.68 $6,320.12 $12,136.80
Total Costs $164.72 $519.68 $1,720.12 $3,136.80

The website is not an offer to lend. The website only provides a service and is not an agent, representative, or broker of any lender and does not endorse or charge you for any loan or product. The website operators are not lenders, do not make loans of any type, and do not make credit decisions.

The website collects personal information provided by you and forwards it to partners in our lender network. You are under no obligation to use this website or service to initiate, contact, nor apply for credit or any loan product with any service provider or lender. Loan amounts vary from $100 and $5,000 but not all lenders can provide up to $5,000. Providing your information on the website does not guarantee you will be approved for a loan or credit product.

Cash transfer times may vary between lenders and may depend on your individual financial institution. In some circumstances faxing may be required. If you have any questions, contact your lender directly for details, questions, or concerns regarding your loan or credit product. Short-term cash loans are meant to provide you with short-term financing to solve immediate cash needs and should not be considered a long-term solution.

This service and lenders are not available in all states. Lenders may perform credit checks with the three credit reporting bureaus: Experian, Equifax, or Trans Union or may perform alternative credit checks or consumer reports through alternative providers. By submitting your request, you acknowledge, agree, and authorize that (a) your information may be sent to lenders and/or third-party partners on your behalf, and (b) such lenders may obtain consumer reports and related information about you from one or more consumer reporting agencies, such as TransUnion, Experian and Equifax to evaluate your creditworthiness.

Email Address: info@34money.com

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