This Privacy Policy describes how PaydayAdvance4U collects, safeguards, and processes consumer information, credit inquiry telemetry, and online interaction data in strict compliance with the Gramm-Leach-Bliley Act (GLBA), Fair Credit Reporting Act (FCRA), and the California Consumer Privacy Act (CCPA/CPRA).
1. Categories of Consumer Information Collected
In connecting consumers with state-licensed direct lenders and educational credit resources, we collect:
- Loan Inquiry Data: Requested loan amount, employment status, verifiable income intervals, and general geographic location.
- Technical & Telemetry Data: IP addresses, browser user-agent strings, device fingerprint parameters, and timestamp logs for automated anti-fraud verification.
- Communication Records: Timestamped records of customer support inquiries and compliance opt-out requests.
2. Google AdSense & DoubleClick DART Cookies
We partner with third-party advertising vendors, including Google AdSense. Google utilizes cookies, including the DoubleClick DART cookie, to serve relevant advertisements to visitors based on prior visits to our site and other internet destinations. You may manage or opt out of personalized advertising by visiting Google Ad Settings.
3. Information Sharing & Referral Network Protections
Consumer inquiry information is transmitted strictly via 256-bit TLS encrypted channels to authorized direct lenders participating in our network. We do not sell personal financial records to unauthorized third-party telemarketing brokers.
4. Consumer Rights & Data Deletion Requests
Under CCPA/CPRA, consumers retain the right to inspect recorded personal data, request record deletion, and opt out of information sharing.