Privacy Policy

This Privacy Policy explains how paydayloanspensacola.com (“we,” “us,” “our,” or the “Site”) collects, uses, discloses, and protects information when you visit the Site, submit a loan request, or communicate with us.

By using the Site or submitting information, you acknowledge the data practices described in this Privacy Policy.

Our Role

paydayloanspensacola.com is not a lender and does not make credit decisions, approve or decline loan requests, determine loan amounts, set rates or fees, establish repayment terms, or fund loans. We provide an online connecting service that allows consumers to submit loan requests for consideration by lenders or lending partners in a network.

A lender or lending partner may review your information and decide whether to present a loan offer. Approval, loan availability, loan amounts, rates, fees, repayment terms, verification requirements, and funding times vary by lender, state, financial institution, and individual circumstances. We are not responsible for the actions or inactions of any lender or lending partner.

Information We Collect

The information we collect depends on how you use the Site and the information requested through our forms.

Information You Provide

• Identification and contact information, such as your name, address, email address, telephone number, and date of birth.
• Loan request information, such as the requested amount, purpose of the request, housing status, and related details.
• Employment and income information, such as employment status, employer details, income, pay frequency, and next pay date.
• Financial information, such as bank name, account type, routing information, account information, and direct deposit status.
• Sensitive information, such as a Social Security number, driver’s license information, or other data used to verify identity or process a loan request.
• Communications, consent records, privacy preferences, and information submitted when contacting us.

Information Collected Automatically

When you visit the Site, we or our service providers may automatically collect information such as your Internet Protocol address, browser type, device type, operating system, pages viewed, links selected, visit dates and times, referring source, approximate location, cookie identifiers, session data, and security information.

Information from Other Sources

We may receive information from lenders, lending partners, network operators, service providers, fraud-prevention providers, analytics providers, and other parties involved in operating or supporting the connecting service.

How We Use Information

We may use collected information to:

• Operate, maintain, secure, and improve the Site.
• Receive and process your loan request.
• Transmit your request to lenders, lending partners, or network operators that may consider it.
• Verify your identity and the information you submit.
• Detect, investigate, and prevent fraud, misuse, and security incidents.
• Respond to questions, requests, and support inquiries.
• Record and manage electronic consents and communication preferences.
• Send service-related or marketing communications when permitted by law and consistent with your consent.
• Analyze Site traffic, performance, and user interactions.
• Protect our rights, enforce our policies, and comply with legal or regulatory obligations.

How We Disclose Information

Lenders and Lending Partners

We may transmit your loan request information to lenders, lending partners, loan networks, marketplaces, or related providers so they can determine whether they wish to consider your request or present an offer.

These parties operate independently and may collect, use, retain, and disclose your information according to their own privacy practices. You should review a lender’s privacy disclosures and complete loan terms before accepting an offer.

Service Providers

We may disclose information to providers that support website hosting, data storage, communications, analytics, security, fraud prevention, consent management, compliance, and other operational functions. These providers may process information only as necessary to perform services on our behalf or as permitted by law.

Marketing Partners

Where permitted by law and consistent with the consent you provide, we may disclose information to third parties that offer financial or related products and services. These parties may contact you by email, telephone, text message, or other permitted methods.

Legal and Business Disclosures

We may disclose information when reasonably necessary to comply with applicable law, respond to legal process, cooperate with regulators or law-enforcement authorities, investigate fraud, protect rights or safety, enforce agreements, or complete a merger, acquisition, reorganization, financing, or transfer of business assets.

Financial Information and Credit Verification

Information submitted in connection with a loan request may be subject to federal or state financial privacy requirements. We may use and disclose this information as reasonably necessary to provide the requested connecting service, process your request, prevent fraud, maintain records, and comply with applicable law.

We do not make credit decisions or obtain credit reports for the purpose of approving loans. A lender or lending partner may verify your identity, employment, income, bank information, credit history, or other details. Some lenders may obtain consumer reports or perform credit checks in accordance with their policies, your authorization, and applicable law. Requirements vary by lender.

Sale or Sharing of Personal Information

We may disclose or transfer information to lenders, lending partners, network operators, or marketing partners to provide the connecting service you request or allow those parties to contact you about relevant products or services.

Some state privacy laws may define certain transfers as a “sale” or “sharing” of personal information, even when information is transferred to facilitate a requested service rather than exchanged through a traditional sale.

Where applicable, you may request to opt out of future sales or sharing by emailing [email protected] with the subject line “Do Not Sell or Share My Personal Information.” An opt-out request may not prevent disclosures reasonably necessary to process an existing loan request, prevent fraud, comply with law, or allow service providers to perform services on our behalf.

Cookies and Similar Technologies

We and our service providers may use cookies, pixels, tags, local storage, and similar technologies to operate the Site, maintain user sessions, remember preferences, record consent, prevent fraud, analyze traffic, and measure communications or marketing performance.

Most browsers allow you to block, restrict, or delete cookies through their settings. Disabling cookies may affect the availability or performance of certain Site features.

Your Privacy Rights

Depending on your state of residence, the type of information involved, and any applicable legal exemptions, you may have the right to:

• Confirm whether we process your personal information.
• Request access to certain personal information.
• Request correction of inaccurate personal information.
• Request deletion of personal information.
• Obtain a portable copy of certain personal information.
• Opt out of certain sales, sharing, targeted advertising, or profiling.
• Limit certain uses or disclosures of sensitive personal information.
• Appeal the denial of a privacy request.
• Exercise applicable privacy rights without unlawful discrimination.

These rights are not absolute. We may retain or continue to process information when permitted or required for fraud prevention, security, legal compliance, recordkeeping, completion of a requested transaction, dispute resolution, or other lawful purposes.

Submitting a Privacy Request

To submit a privacy request, email [email protected]. Include your full name, the email address and telephone number associated with your request, your state of residence, and a clear description of the right you wish to exercise.

We may request additional information to verify your identity and protect personal information from unauthorized disclosure. Information provided for verification will be used only to review and process your request.

An authorized agent may submit a request on your behalf where permitted by law. We may require proof of authorization and verification of your identity before processing the request.

To appeal the denial of a privacy request, email [email protected] with the subject line “Privacy Request Appeal.”

Marketing Communications

You may opt out of promotional emails by following the unsubscribe instructions included in the message. You may opt out of promotional text messages by following the instructions provided in the message. Opting out of marketing communications does not prevent service-related communications concerning a loan request you submitted.

Information Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, loss, misuse, alteration, or disclosure. Access to sensitive information is limited to parties that need it for legitimate business, operational, or legal purposes.

No website, electronic transmission, or data storage system can be guaranteed to be completely secure. You should use caution when submitting information online and contact us if you believe your information may have been compromised.

Data Retention

We retain personal information only for as long as reasonably necessary to process loan requests, provide the connecting service, maintain consent and transaction records, prevent fraud, resolve disputes, enforce agreements, and comply with legal obligations. Retention periods vary depending on the type of information and the purpose for which it was collected.

Children’s Privacy

The Site and its services are intended only for individuals who are at least 18 years old. We do not knowingly collect personal information from children. If we learn that a child has submitted personal information through the Site, we will take reasonable steps to review and delete it where appropriate.

Third-Party Websites and Services

The Site may direct you to websites or services operated by lenders, lending partners, or other third parties. We do not control their privacy, security, or information-handling practices. This Privacy Policy does not apply to information collected directly by a third party after you leave the Site or begin interacting with that party.

Your Consent

By submitting your information, you confirm that you have read, understood, and agree to the Privacy Policy, Terms of Use, E-Consent, Responsible Lending, and Marketing Practices.

Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes to the Site, our information practices, legal requirements, or operational needs. The revised version will be posted with an updated “Last Updated” date. Where required by law, additional notice may be provided before a material change takes effect.

Contact Us

For questions about this Privacy Policy, our information practices, or a privacy request, contact us at [email protected].