Privacy Policy

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

paydayloanssanbernardino.com is not a lender and does not make credit decisions, approve or deny loan requests, determine loan terms, or fund loans. The Site provides a connecting service that may present your loan request to lenders or lending partners in a network. Any lender that receives your information will process it according to its own privacy practices.

Information We Collect

The information we collect depends on how you use the Site and which information you choose to provide.

Information You Provide

• Contact information, such as your name, residential address, email address, and telephone number.
• Identity information, such as your date of birth, Social Security number, driver’s license information, or other identifying details.
• Loan request information, such as the requested amount, purpose of the request, income, employment details, pay frequency, housing status, and related financial information.
• Banking information, such as your bank name, account type, routing information, account information, and direct deposit status.
• Communications you send to us, including emails, questions, feedback, and support requests.
• Consent records, including the date, time, and method by which you accepted disclosures or agreed to receive communications.

Information Collected Automatically

When you visit the Site, we and our service providers may automatically collect technical and usage information, including:

• Your IP address and approximate location.
• Your browser type, device type, operating system, and internet service provider.
• Pages viewed, links selected, referring pages, and the time spent on the Site.
• Cookie identifiers and information collected through similar technologies.
• Security, fraud-prevention, and consent-verification information.

How We Use Information

We may use personal information to:

• Receive and process your loan request.
• Provide access to lenders or lending partners in a network.
• Transmit your information to parties that may review your loan request.
• Verify identity and help detect or prevent fraud and unauthorized activity.
• Communicate with you about your request, questions, or use of the Site.
• Maintain records of consent, privacy choices, and transactions.
• Operate, maintain, analyze, and improve the Site.
• Measure website traffic and marketing performance.
• Comply with legal, regulatory, and contractual obligations.
• Protect the rights, safety, security, and property of the Site, its users, and other parties.

We do not make lending or credit decisions. A lender or lending partner may verify your information, review your credit history, obtain a consumer report, or request additional documentation before deciding whether to make a loan offer. Approval, loan amounts, rates, fees, repayment terms, and funding times vary by lender and individual circumstances.

How We Disclose Information

We may disclose personal information to the following categories of recipients:

• Lenders and lending partners: to allow them to review your loan request and determine whether they may provide a loan offer.
• Lead networks and service providers: to route, process, or transmit your request to lenders or lending partners.
• Operational service providers: including providers of website hosting, data storage, identity verification, fraud prevention, analytics, communications, and customer support.
• Advertising and analytics providers: to measure Site usage, understand marketing performance, and improve our services, subject to applicable privacy choices.
• Government authorities and legal recipients: when disclosure is required by law, court order, legal process, or regulatory request.
• Business transaction recipients: in connection with a merger, acquisition, financing, reorganization, transfer of assets, or similar transaction.

We may also disclose information when reasonably necessary to prevent fraud, investigate unlawful activity, enforce agreements, protect legal rights, or safeguard users and systems.

We are not responsible for the actions, inactions, security practices, or privacy practices of lenders, lending partners, or other independent third parties. Once your information is provided to an independent third party, that party’s privacy practices may apply.

Sale or Sharing of Personal Information

Providing loan request information to lenders, lending partners, lead networks, or financial service providers may be considered a sale or sharing of personal information under certain state privacy laws, even when the disclosure is made to provide the service you requested.

Where applicable, you may request that we stop future sales or sharing of your personal information 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 a loan request you have already submitted, provide requested services, prevent fraud, maintain security, comply with legal obligations, or work with service providers acting on our behalf.

Where required by applicable law, we may recognize supported browser-based opt-out preference signals.

Cookies and Similar Technologies

We may use cookies, pixels, tags, and similar technologies to operate the Site, maintain security, remember preferences, record consent, analyze traffic, prevent fraud, and measure marketing performance.

Some cookies and similar technologies may be placed by third-party analytics, advertising, or operational service providers. Most browsers allow you to block or delete cookies and receive alerts when cookies are being placed. Disabling cookies may affect the operation of certain Site features.

Your Privacy Rights

Depending on your state of residence and the applicability of state privacy law, you may have the right to:

• Request access to personal information we maintain about you.
• Request information about how your personal information is collected, used, disclosed, sold, or shared.
• Request correction of inaccurate personal information.
• Request deletion of personal information, subject to legal exceptions.
• Request a portable copy of certain personal information.
• Opt out of the sale or sharing of personal information.
• Opt out of certain targeted advertising or profiling activities.
• Request limits on certain uses or disclosures of sensitive personal information.
• Appeal the denial of a privacy request where an appeal right is provided by law.
• Exercise applicable privacy rights without unlawful discrimination.

To submit a privacy request, email [email protected]. Include your name, email address, telephone number, state of residence, and the type of request you are making.

We may request additional information to verify your identity and protect your personal information from unauthorized access. Information collected for verification will be used only to evaluate and respond to your request. We may deny or limit a request when permitted or required by law.

An authorized agent may submit a request on your behalf where permitted by law. We may require proof of the agent’s authority and may contact you directly to confirm the request.

Communications

When you submit a loan request and provide the required consent, lenders, lending partners, lead networks, or authorized service providers may contact you by telephone, text message, or email regarding your request or available financial products and services.

You may follow the unsubscribe instructions included in a marketing email or reply “STOP” to an eligible marketing text message. Your request may not affect non-marketing communications, messages already being processed, or communications sent independently by a lender or another third party.

Data Security

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure.

However, no website, internet transmission, or electronic storage system can be guaranteed to be completely secure. You should use appropriate caution when providing personal information online.

Data Retention

We retain personal information for as long as reasonably necessary to process loan requests, provide services, maintain consent and transaction records, prevent fraud, resolve disputes, enforce agreements, and meet legal or regulatory obligations.

Retention periods may vary depending on the type of information, the purpose for which it was collected, and applicable legal requirements.

Children’s Privacy

The Site is intended only for adults who are at least 18 years old. We do not knowingly collect personal information from children under 18. If we learn that personal information was collected from a child, we will take reasonable steps to delete it.

A parent or legal guardian who believes that a child has provided personal information may contact us at [email protected].

Third-Party Websites and Services

The Site may direct users to websites or services operated by lenders, lending partners, advertisers, or other third parties. We do not control those third parties and are not responsible for their content, security, data collection, or privacy practices. You should review the privacy disclosures provided by a third party before submitting personal information to it.

Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in our services, information practices, or legal obligations. The revised version will be posted with an updated “Last Updated” date. Additional notice will be provided when required by applicable law.

Contact Us

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