FACTS
WHAT DO WE DO WITH YOUR PERSONAL INFORMATION?
| Why? |
Companies decide how to share consumers' personal information. Consumers have the right to limit some but not all sharing. We are committed to being transparent about how we collect, share, and protect your information. Please read this policy carefully to understand how your data is handled.
|
| What? |
The types of nonpublic personal information we collect, and share vary based on your interactions with us—whether you are simply browsing or submitting a loan request. This information includes, but is not limited to:
- Identifiers: Name, email address, phone number, physical address, IP address, and other contact information.
- Personal Characteristics: Age, date of birth, military and employment status.
- Financial Information: Social Security number, bank account information, loan request details (amount, purpose), income details.
- Commercial Information: Records of products or services you have expressed interest in.
- Internet or Network Activity: Browsing behavior, IP address, referring/exit pages, and interactions with our site.
- Communication Records: Inquiries, customer service interactions, and survey responses.
- Sensitive Personal Information (CPRA): Social Security number, driver’s license or government-issued ID, exact date of birth, bank account information.
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| How? |
We use and share users' personal information as necessary for the operation of our business (“Business Purpose”).
We collect and use your personal information to (without limitation):
- Process loan requests and connect you with lenders.
- Provide information about Financial Products or Services.
- Enhance your experience and simplify future loan applications across our websites.
- Prevent fraud or malicious activities.
- Comply with legal obligations.
- Carry out business restructuring.
- For any other purposes to which you expressly consent.
We may check our affiliated websites to determine if we have previously collected your personal information (e.g., name, address, date of birth, phone number, occupation, and housing details) to streamline and improve your current request. Likewise, we may use the personal information collected on this website to enhance and simplify your service requests on our other affiliated websites.
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SHARING YOUR PERSONAL INFORMATION
Reasons We Can Share Your Personal Information
| Reason |
Do We Share? |
Can You Limit Sharing? |
| For our everyday business purposes (processing requests, preventing fraud, etc.) |
Yes |
No |
| For marketing our products and services |
Yes |
Yes |
| For non-affiliates to market loans in response to your request |
Yes |
No |
| For non-affiliates to market other Financial Products or Services |
Yes |
Yes |
| To comply with legal obligations (court orders, investigations) |
Yes |
No |
Sharing Your Sensitive Personal Information
We share Sensitive Personal Information only with our Lending Partners when necessary to assist you in finding a loan, when required by law, or with your explicit consent. We do not sell Sensitive Personal Information as defined by CPRA.
Definitions
- Affiliates: Companies related by common ownership or control. They are non-financial companies.
- Non Affiliates: Companies not related by common ownership or control. They can be financial and non-financial companies (see categories below).
- Financial Product or Service: Any product, service, plan, or program that is explicitly or implicitly offered to:
- (a) provide, arrange for, or assist a consumer in obtaining a loan or other extension of credit;
- (b) offer, arrange for, or assist a consumer in acquiring credit, debit, or stored value cards;
- (c) improve or repair a consumer's credit record, credit history, or credit rating;
- (d) provide information or assistance aimed at enhancing a consumer’s credit record, credit history, or credit rating.
Categories of Non-Affiliates We Share Information With
- Lenders
- Networks of Lenders
- Financial technology companies that offer loans in partnership with licensed banks
- Non-affiliates offering Financial Products or Services (credit repair, credit monitoring, etc.)
- Other non-affiliate service providers to facilitate our marketing to you
WHO WE ARE
Who is providing this notice?
This notice is provided by tbdpaydayadvance.com, the entity responsible for collecting and processing your personal information as you interact with our platform.
WHAT WE DO
How We Protect Your Information
We employ industry-standard security measures, including:
- Encryption for data transmission
- Firewalls and secure data storage
- Restricted access to sensitive information
- Multi-factor authentication
- Regular security assessments
- Breach response plans
- Controlled data sharing: We ensure that any transfer of data to our partners is limited to specified purposes and governed by agreements that include strict security and confidentiality obligations
However, no method of transmission over the Internet is 100% secure.
How Do We Collect Your Personal Information?
We collect your personal information when you:
- Submit a loan request on our platform or on our affiliates’ websites
- Interact with our website, including browsing, filling out forms, answering surveys
- Communicate with us
We can also receive some of your personal information from Lending partners.
Why Can’t You Limit All Sharing?
Under applicable laws you can’t limit sharing personal information for business purposes, such as but not limited to: processing your request to connect you with a lender, preventing fraud, etc.
OTHER IMPORTANT INFORMATION
Understanding Your Rights
Depending on your state of residence, you may have certain privacy rights regarding the personal information we collect about you. To exercise any of these rights, please submit a request, and we will verify your residency and eligibility before proceeding.
We honor privacy rights as required by applicable laws in your state of residence. Please note that not all rights may be available in all states.
- Right to Know: You can ask us to provide:
- The categories of personal information we collected about you.
- The categories of sources from which we collected your personal information.
- Our business and commercial purposes for collecting, selling, or sharing your personal information.
- The categories of third parties to whom we disclose your personal information.
- The specific pieces of personal information we collected about you.
- Right to Delete: Subject to certain limitations, you can ask us to delete your personal information.
- Right to Correct: You can ask us to correct inaccurate personal information that we have about you.
- Right to Opt Out of Targeted Advertising or Sale: You have the right to request that we do not sell your personal information. We may continue to share data for business purposes (e.g., finding a loan offer). If you do not want this, please do not use our service.
- Right to Limit Use of Sensitive Personal Information: California residents can limit the use of such data. We already restrict use to essential business purposes.
- Right to Data Portability: You can request your personal information in a portable, machine-readable format.
- Right Against Discrimination: We will not discriminate against you for exercising your rights.
How to Exercise Your Rights
You can exercise your rights by emailing us at the contact email provided below. After receiving your request, we will verify your identity and your eligibility depending on your residency. This may involve confirming personal details you’ve previously provided.
We may decline your request if we cannot verify your identity or if your state laws do not provide these rights. We will respond within the timeframe required by law.
Residents of Colorado, Connecticut, and Virginia can appeal a refusal to take action on a request by contacting us via email.
Cookies and Tracking Technologies
We use cookies and similar tracking technologies to collect information about your behavior on our website. This includes IP address, browser type, device information, pages visited, and time spent.
- Improve user experience
- Analyze visitor behavior
- Remember legal consents
- Diagnose errors
- Offer personalized content
We do not track users across third-party websites and do not respond to Do Not Track (DNT) signals. However, third-party cookies (e.g., TikTok, Meta, Google, Facebook) may track your activity across sites. You can manage DNT preferences via browser settings.
Unsubscribe From Marketing Communications
You may opt out at any time. To stop receiving messages, click "Unsubscribe" at the bottom of the site, follow instructions in our emails, or contact us at the email below with your contact details.
Children’s Privacy
Our services are intended only for individuals 18 and older. We do not knowingly collect, use, or sell personal information from individuals under 18.
Data Retention
We retain your personal information as long as necessary to provide our services and comply with legal obligations. Even after service ends, we may retain your data to meet regulatory, legal, or fraud prevention needs. Once it is no longer needed, it is securely deleted or anonymized.
Contact Information
For more information or questions about your privacy rights, please contact us at:
Email: contact@tbdpaydayadvance.com
Terms
