This Privacy Policy outlines how PaydayZap.com (referred to as "we," "our," or "us") collects, uses, shares, and protects your personal information. By accessing or using this website, you consent to the practices described in this Privacy Policy.
This Privacy Policy is supplemented by state-specific notices for residents of California, Colorado, Connecticut, Delaware, Iowa, Montana, Nebraska, Nevada, New Hampshire, New Jersey, Oregon, Utah, and Virginia, and other specific states. Please review the "Notice to Residents of Certain U.S. States" section below for additional rights and disclosures. California residents should consult our California Privacy Policy.
This Privacy Policy is subject to and part of our Terms of Use, which governs your use of our Service. Please refer to the Terms for additional information about liability, arbitration, and governing law.
We may collect personal information for business, commercial, and legal purposes as detailed below. By providing your information, you consent to its collection, use, and disclosure under this Privacy Policy.
If you wish to exercise your rights regarding your information, please visit the "Your Privacy Rights and Choices" section below.
By providing your personal information, you certify that it is accurate, truthful, and complete. Providing false or misleading information may result in denial or suspension of access to our services.
We collect personal information you voluntarily provide, including:
We automatically collect certain information when you visit the website, such as:
We may collect information from affiliates, advertising partners, data vendors, and public sources. This may include demographic data, online behavior, and inferred preferences to improve our services.
We use your information for the following purposes:
If you provide your email address, you consent to receive email communications from PaydayZap.com and its Lender Partners, as well as marketing partners. These communications may include:
If you provide your mobile phone number, you consent to receive SMS messages from PaydayZap.com and its Lender Partners. These communications may include:
Your information may be shared with:
For transparency about compensation and partnerships, see our Advertising Disclosure.
Sale and Sharing of Personal InformationWe may disclose personal information in ways that qualify as a "sale" or "sharing" under certain U.S. state privacy laws. This may include providing personal data to third parties-such as lending partners, lead buyers, marketing networks, and analytics providers-in order to:
These disclosures are made in support of our business operations and may be considered a sale or sharing of your information under applicable law.
You have the right to opt out of the sale or sharing of your personal information. To do so, please see the Your Privacy Rights and Choices section.
Opt-Out Note: The Sale and Sharing of personal data is fundamental to the delivery of our services. If you do not wish for your information to be shared with lenders or partners, do not submit your information on this website.
We use cookies and tracking technologies for:
Opt-Out: You can manage cookies via your browser settings or visit Network Advertising Initiative for additional choices.
You have the following rights under applicable law:
Residents of California, Colorado, Connecticut, Delaware, Iowa, Montana, Nebraska, Nevada, New Hampshire, New Jersey, Oregon, Utah, and Virginia may have the right to:
To exercise your privacy rights, follow the instructions below:
Verification: We will not fulfill your request unless we can reasonably verify your identity. To do so, you may be asked to provide your name, address, and email for verification.
Authorized Agents: You may designate an authorized agent to make a request on your behalf. The agent must provide written authorization, proof of their identity, and confirmation of your permission.
We honour Global Privacy Control (GPC) signals in supported jurisdictions.
We retain your information for as long as necessary to fulfill business or legal obligations. We implement industry-standard security measures to protect your data, including encryption and access controls. However, no method is 100% secure.
This website is not intended for individuals under the age of 16. If we become aware of any collection of data from children, we will delete it promptly.
We are not responsible for the privacy practices of third-party websites linked from our site. Review their policies before sharing information.
By providing your information, you consent to receive notifications, disclosures, and documents electronically. This consent applies to:
You agree that this consent satisfies requirements under the Electronic Signatures in Global and National Commerce Act (E-SIGN Act).
We may update this Privacy Policy periodically. Changes will be posted with an updated "Effective Date." Continued use of the website constitutes acceptance of the revised policy.
This Privacy Policy is governed by the laws of Wyoming, excluding its conflict-of-law principles.
Any disputes arising from this Privacy Policy or our use of your personal information will be resolved through binding arbitration as detailed in our Terms of Use.
For questions about this Privacy Policy or to exercise your rights, contact us at [email protected]
For questions or concerns:
This notice supplements our Privacy Policy and applies to residents of the following U.S. states with specific privacy laws: California, Colorado, Connecticut, Delaware, Iowa, Montana, Nebraska, Nevada, New Hampshire, New Jersey, Oregon, Utah, and Virginia.
We may collect the following categories of personal information, depending on your interactions with us:
| Right | What It Means | Applies In |
|---|---|---|
| Right to Know/Access | You can request details about what personal information we have collected, used, or disclosed about you. | All listed states |
| Right to Delete | You can ask us to delete personal information we've collected about you, subject to legal exceptions. | All listed states |
| Right to Correct | You can request that we correct any inaccurate personal information we hold. | CA, CO, CT, NJ, OR, VA |
| Right to Opt-Out of Sale | You can direct us not to sell your personal information to third parties. | CA, CO, CT, DE, IA, MT, NE, NV, NH, NJ, OR, VA |
| Right to Opt-Out of Sharing | You can ask us not to share your personal information for targeted advertising. | CA, CO, CT, DE, IA, MT, NE, NH, NJ, OR, VA |
| Right to Opt-Out of Profiling | You can ask us to stop using your data for profiling that produces legal or similarly significant effects. | CO, CT, DE, NJ, OR, VA |
| Right to Data Portability | You can request your personal data in a portable, accessible format. | CA, CO, CT, VA |
| Right to Appeal | If we deny your request, you can submit an appeal and ask us to reconsider. | CO, CT, DE, MT, NJ, OR, VA |
| Right to Non-Discrimination | We will not treat you differently for exercising your privacy rights (e.g., denying access, changing prices, or limiting service). | All listed states |
We may disclose personal data to lenders, lead buyers, advertising partners, and service providers. These disclosures may be considered a "sale" or "sharing" under applicable laws. You can opt out of these disclosures by:
Opt-Out Note: The Sale and Sharing of personal data is fundamental to the delivery of our services. If you do not wish for your information to be shared with lenders or partners, do not submit your information on this website.
We may use your information to make inferences about your interests or financial profile. In states where required, you may opt out of profiling that affects legal, financial, or other significant decisions.
This notice was last updated on July 2nd, 2025 and may be revised periodically. Please refer to Section 9 of our Privacy Policy for full details on how to exercise your rights.