Privacy Policy

We handle your privacy attentively. Recognizing the significance of protecting personal data, we are equally cognizant of the contemporary challenges in managing such information. To transparently convey our commitment to privacy, we have formulated this Privacy Policy. We recommend reviewing this document prior to engaging with the site. By accessing our site, you acknowledge your acceptance of our Privacy Policy.

1 Information

1.1 We collect two types of information from you: identifiable personal information and non-personally identifiable information. Identifiable personal information refers to details that enable us to recognize your identity. This is provided by you during the registration process and when you submit requests. Such information can include, but is not limited to, your name, birth date, living address, telephone and cell phone numbers, driver’s license number, social security number, employment history, salary, bank details, credit report, and military status.

Non-personally identifiable information pertains to data that doesn't disclose your personal identity. This type of information is collected in a way that remains anonymous and may encompass, but is not limited to, your IP address, internet service provider, web browser type, language preference, timing of web sessions, interactions such as clicks and links accessed. This information is gathered using cookies, web beacons, and pixel tags.

Cookies are small data files placed on your device by websites you visit, designed to track your web activity.

Web beacons and pixel tags refer to tiny, invisible graphic images embedded in websites or emails that track the online movements of website users or email recipients.

Gathering user personal information is crucial for managing our business, enhancing technical support, and conducting market research. Additionally, your private information is essential for processing your application and facilitating a connection with one of our lending partners.

1.2 By submitting your identifiable personal details, you enable us to proceed with your application and establish a connection with a lending partner. This also grants us the permission to disclose your information to third parties, as lenders need to be informed about your background to make a loan decision.

Be aware that lenders might check your personal details by making inquiries to national databases and credit bureaus. These checks could potentially impact your credit rating.

We might also distribute certain information to our affiliates, partners, and authorized third parties for business administration, security enhancement, advertising, marketing initiatives, studying consumer patterns, and improving customer support.

Should our company be acquired, merge with another entity, or transfer a portion of its assets, we reserve the right to transfer your information as part of this process. In such events, we may notify you via email or by posting a notice on our website. Furthermore, we may disclose your identifiable personal information when legally required or to defend our legal rights, including cooperating with legal proceedings or protecting our property.

By gathering and distributing your non-personally identifiable information to third parties, we enhance our technical services, study our customers' behaviors, and compile web analytics crucial for our business operations. This information may also be shared with additional third parties to achieve these objectives.

2 Third Party Links

As you navigate through our site, you might encounter links leading to websites operated by third parties. These links are provided solely for your convenience. Choosing to follow these links is at your discretion. We do not have authority over these external sites, which means we cannot be responsible for their content, privacy procedures, terms of use, or practices, as they fall outside our jurisdiction and control.

3 Advertising and Marketing Practices

By entering our website, you affirm your understanding of our marketing procedures and consent to them. You welcome the receipt of advertisements, newsletters, marketing communications, and other promotional content from us. Furthermore, our affiliated partners may utilize the contact information you've provided to send you their marketing communications.

Upon commencing the use of our website, you confirm your awareness of our marketing procedures and your acceptance of receiving such communications from us and our affiliates. Should you wish to refrain from receiving marketing communications from us, you have the option to opt-out. However, if you desire to opt-out of communications from third parties, you must directly contact them to make such a request.

Kindly note that we bear no responsibility for the marketing practices of third parties, as we lack control over them.

4 Information Security

Ensuring the security of your personal information is our top priority. We implement robust safeguards and employ cutting-edge security measures that align with the legal standards outlined by US regulations. Access to your data is restricted to authorized personnel solely for legitimate business purposes permitted under current US legislation.

Although we devote significant resources to safeguarding your data, we must acknowledge the inherent limitations. Regrettably, we cannot provide an absolute guarantee of data security as we cannot control malicious actors who may seek to exploit vulnerabilities.

Our services are specifically tailored for employed individuals residing in the United States. If you are not a US resident, please refrain from accessing our website.

Our services are intended solely for individuals aged 18 and above. If you are under 18 years old, please refrain from accessing our website. As demonstrated, we do not knowingly collect data from minors. If you are a parent or legal guardian and discover that a child has accessed our website, we kindly ask that you inform us of the incident using the contact information provided.

5 Changes to Our Privacy Policy

We maintain the right to revise, modify, or update this Privacy Policy as we deem necessary. We may make revisions, modifications, or updates to the Privacy Policy without prior notice. Therefore, we recommend that you periodically review this section. By continuing to access our website after any changes to the Privacy Policy have been made, you signify your agreement with the updated terms.

6 Your Rights Under the CCPA

6.1 General Information. If you are a California Resident, you are entitled to additional rights over your personal information under the California Consumer Privacy Act of 2018 (CCPA) and certain other privacy and data protection laws. This section summaries the categories of information we collect about you, why the information is collected, who we share your information with, and for what reason that information is shared.

6.1.1

Category of Information

Identifiers

Examples

Name, internet protocol address, email address, or other similar identifiers

Source of Information

Consumer, third-party data providers, marketing partners, and advertising partners

Purpose of Collection

For us to provide services, market to you, analyze your use, conduct research, maintain security of our systems and operations, and to meet our legal compliance requirements

Who Do We Share With

Lenders, non-lenders or intermediary service providers, marketing partners, advertising partners, web analytics providers, service providers, vendors, customer support providers, data processing providers, law enforcement, government authorities, parties that legally compel us to share your information

6.1.2

Category of Information

Personal information categories listed in the California Customer Records statute

Examples

Name, signature, address, telephone number, driver’s license or state identification number, employment, social security number, bank account number

Source of Information

Consumer and third-party data providers

Purpose of Collection

For us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain security of our systems and operations, and to meet our legal compliance requirements

Who Do We Share With

Lenders, non-lenders or intermediary service providers, marketing partners, advertising partners, service providers, customer support providers, data processing providers, law enforcement, government authorities, parties that legally compel us to share your information

6.1.3

Category of Information

Protected classification characteristics under California or federal law

Examples

Age, military status

Source of Information

Consumer and third-party data providers

Purpose of Collection

Who Do We Share With

Lenders, non-lenders or intermediary service providers, marketing partners, advertising partners, service providers, customer support providers, data processing providers

6.1.4

Category of Information

Commercial information

Examples

Product or service provider sites you choose to navigate to

Source of Information

Consumer and third-party data providers

Purpose of Collection

Who Do We Share With

Lenders, non-lenders or intermediary service providers, marketing partners, advertising partners, service providers, customer support providers, data processing providers

6.1.5

Category of Information

Biometric data

Examples

Keystroke or other behavioral or biological characteristics

Source of Information

N/A

Purpose of Collection

N/A

Who Do We Share With

N/A

6.1.6

Category of Information

Internet or similar network activity

Examples

Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement

Source of Information

Consumer, web browsers, marketing partners, and advertising partners

Purpose of Collection

Who Do We Share With

Marketing partners, advertising partners, web analytics providers, security/anti-fraud providers

6.1.7

Category of Information

Geolocation data

Examples

Physical location or movements

Source of Information

Consumer, web browsers, marketing partners, and advertising partners

Purpose of Collection

Who Do We Share With

Marketing partners, advertising partners, web analytics providers, security/anti-fraud providers

6.1.8

Category of Information

Sensory data

Examples

Audio, electronic, visual, or similar information

Source of Information

N/A

Purpose of Collection

N/A

Who Do We Share With

N/A

6.1.9

Category of Information

Professional or employment-related information

Examples

Current employer, length of employment

Source of Information

Consumer and third-party data providers

Purpose of Collection

Who Do We Share With

Lenders, non-lenders or intermediary service providers, marketing partners, advertising partners, service providers, customer support providers, data processing providers

6.1.10

Category of Information

Inferences drawn from other personal information

Examples

Profile reflecting a person’s preferences, characteristics, trends, behavior, and abilities

Source of Information

Third-party data providers, marketing partners, and advertising partners

Purpose of Collection

Who Do We Share With

Data processing providers, web analytics providers, and security/anti-fraud providers

6.2 Right to Know. As a California resident, you have the right to know (i) the categories of personal information we collected about you in the preceding 12 months; (ii) the sources from which the personal information was collected; (iii) the business or commercial purpose for which it collected or sold the personal information; and (iv) the categories of third parties with which the business shares personal information.

Additional Privacy Rights. You also have the right (i) to request that we tell you what specific information we have about you; (ii) to request that we delete your information; (iii) to opt-out of having your information sold; and (iv) for us not to discrimination against you for exercising these privacy rights. Please note that you may only make a CCPA-related request twice within a 12-month period.

Right to Non-Discrimination. We will not discriminate against you for exercising any of your CCPA rights. Unless otherwise permitted by the CCPA, we will not (i) deny you goods or services; or (ii) provide you a different level or quality of good or service.

Alternative Format of CCPA Notice. If you have a disability that prevents or limits your ability to access this CCPA Notice, please email us at [email protected]. We will work with you to provide this notice in an alternative format.

Authorized Agent. California residents can empower an “authorized agent” to submit requests on their behalf. We will require the authorized agent to have a written authorization confirming that authority.

How to Submit Your Request for Specific Information. You can request access to specific information we have about you by sending an email with the Subject Line “CCPA Right to Know” to [email protected] or you can make your request for information here. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver’s license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the timeframe required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.

How to Exercise Your Right to Delete Information. You can request the categories of information we have on file or deletion of information available on our request form available here. You may also submit this request by sending an email with the Subject Line “CCPA Right to Request or Delete Information” to [email protected]. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver’s license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the timeframe required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.

How to Exercise Your Right to Opt-Out of Sale of Your Information. Under the CCPA, if you are 16 years of age or older, you have the right to direct us not to sell your personal information at any time. You may submit your request through the URL provided below. You may also submit this request by sending an email with the Subject Line “CCPA Do Not Sell My Information” to [email protected]. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver’s license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the timeframe required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.

DO NOT SELL MY PERSONAL INFORMATION

However, if you opt-out, please note that we will be unable to help you find a loan or other product or services that may be of interest to you through our Network Partners. In order to opt-in, please submit the completed form or resubmit your request, which lets us know that you want to sell your information to deliver the products and services you requested.

California law mandates specific disclosures for users of this Website. "Shine the Light" Disclosure: Pursuant to Civil Code Section 1798.83, California residents utilizing this Website have the right to request certain information concerning our disclosure of personal information to third parties for their direct marketing purposes. To request this information, please reach out to us at [email protected]. Please be aware that this section does not restrict disclosures made for purposes other than marketing.

"Do Not Track" Disclosures: In accordance with Business and Professions Code Section 22575(b), websites must disclose their policies regarding the utilization of tracking technology by third parties and whether this Website respects web browser do-not-track signals. No personally identifiable information provided on this Website can be collected by third parties. As of now, paydayadvance.io does not acknowledge do-not-track browser settings or signals.

7 Сontact

If there is anything you would like to know, please, send us a notification via our contact form or to [email protected]