Privacy Policy

paydayloansmodesto.com (“Site,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect personal information when you visit our Site, use our online service, or submit a loan request.

paydayloansmodesto.com is not a lender, does not make credit decisions, does not approve loan requests, does not set loan terms, and does not fund loans. We provide a connecting service only. A lender or lending partner in a network may review your information and decide whether to offer you a loan.

Loan availability, loan amounts, rates, fees, repayment terms, approval, and funding times vary by lender and by state. Our service is not available to residents of Arkansas, New York, Vermont, or West Virginia. Short-term loans can be expensive and should be used responsibly.

How This Policy Applies

This Policy applies to information collected through this Site, including information provided as part of a loan request and information collected automatically through cookies or similar technologies.

Information submitted in connection with a financial product or service request may be subject to federal financial privacy laws, including GLBA/FCRA where applicable. Other website activity and privacy-rights information may be subject to applicable state privacy laws.

Information We May Collect

The information we collect depends on how you use the Site and whether you submit a loan request. This information may include:

• Identifiers, such as name, email address, phone number, mailing address, and date of birth.
• Loan request information, such as requested amount, income, employment details, pay frequency, housing information, and related details you provide.
• Sensitive identifiers, such as Social Security number or driver’s license information, if requested as part of the loan request process.
• Financial information, such as bank name, account type, routing and account information, and direct deposit status.
• Credit-related information that may be used by lenders or lending partners to evaluate your request. Some lenders may verify your credit or request additional information.
• Technical information, such as IP address, browser type, device type, pages visited, referral source, cookies, and session identifiers.
• Consent and communication records, including E-Consent, marketing preferences, unsubscribe records, and communications with us.

How We Collect Information

We may collect information directly from you when you submit a loan request, complete a form, contact us, or otherwise use the Site. We may also collect information automatically through cookies and similar technologies.

We may receive information from service providers, lenders, lending partners, lead networks, marketing partners, fraud-prevention vendors, consumer reporting agencies, or other companies as permitted by law and your authorization.

How We Use Information

We may use personal information to operate the Site, provide our connecting service, process and transmit your loan request, verify identity, prevent fraud, improve security, communicate with you, maintain consent records, analyze Site performance, comply with legal obligations, and support marketing activities where permitted by law.

We may use your information to help connect you with lenders or lending partners in a network. Submitting a loan request does not guarantee approval, a loan offer, a specific loan amount, or specific rates or terms.

How We Share Information

We may share personal information with lenders, lending partners, lead networks, marketplaces, intermediaries, service providers, marketing partners, legal or compliance parties, and parties involved in a business transfer.

We may share information as needed to process, verify, route, or transmit your loan request; help lenders or lending partners evaluate your request; prevent fraud; maintain security; provide services; comply with law; or communicate with you where permitted.

We are not responsible for the actions or inactions of any lender, lending partner, network, marketplace, service provider, marketing partner, or other third party that receives information as permitted by this Policy and your consent.

Federal Financial Privacy Notice

Federal financial privacy laws give consumers the right to limit some, but not all, sharing of nonpublic personal information. We may share information for everyday business purposes, including processing your loan request, verifying identity, preventing fraud, transmitting information to lenders or lending partners, maintaining records, and complying with law.

You may request to limit certain sharing with nonaffiliated third parties for their own marketing purposes by contacting us at [email protected] with the subject line “GLBA Opt-Out.”

Your opt-out request will not limit disclosures needed to process, evaluate, administer, or complete your current loan request; disclosures to service providers acting on our behalf; disclosures required by law; or disclosures made with your direction or consent.

State Privacy Rights

Depending on your state of residence and subject to legal limitations, you may have the right to request access to personal information, correction of inaccurate information, deletion of personal information, data portability, opt-out of certain sale or sharing of personal information, limitation of certain uses of sensitive personal information, appeal of a privacy-rights decision, and freedom from discrimination for exercising privacy rights.

Some state privacy rights may not apply to information governed by federal financial privacy laws. We will respond to verified privacy requests as required by applicable law.

Do Not Sell or Share My Personal Information

Some state privacy laws define certain disclosures of personal information to third parties as a “sale” or “sharing,” even when no money is exchanged. Where applicable, you may request to opt out of such sale or sharing by emailing [email protected] with the subject line “Do Not Sell or Share.”

Opt-out rights may not apply to information shared to process your loan request, comply with law, prevent fraud, or provide services you requested.

Sensitive Personal Information

We may collect sensitive personal information, such as Social Security number, driver’s license information, financial account information, and information submitted as part of a loan request, only as reasonably necessary to provide our connecting service, verify identity, help process your request, prevent fraud, maintain security, or comply with law.

We do not use sensitive personal information to infer characteristics about you for unrelated purposes. Where required by law, you may request to limit certain uses or disclosures of sensitive personal information.

Cookies and Tracking Technologies

We may use cookies, pixels, tags, session identifiers, and similar technologies to operate the Site, remember preferences, measure traffic, improve performance, detect fraud, maintain security, and evaluate marketing effectiveness.

Most browsers allow you to block or delete cookies. If you disable cookies, some parts of the Site may not work properly.

Marketing Communications

If you provide consent, we or our marketing partners may contact you by email, phone, text message, or other methods about your loan request or personal-finance-related products and services. You may opt out of marketing emails by using the unsubscribe instructions in the message. You may opt out of text messages by following the instructions provided in the message.

Consent to Terms and Electronic Records

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.

Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, disclosure, alteration, or destruction. These safeguards may include encryption, access controls, secure storage, monitoring, and vendor controls. However, no method of transmission or storage is completely secure.

Data Retention

We retain personal information for as long as reasonably necessary to provide our services, process requests, maintain records, prevent fraud, resolve disputes, enforce agreements, and comply with legal or regulatory obligations. Retention periods may vary depending on the type of information and the purpose for which it is used.

Children’s Privacy

Our Site is intended for adults and is not directed to children under 18. We do not knowingly collect personal information from children under 16. If we learn that we have collected such information, we will take reasonable steps to delete it.

Third-Party Websites and Services

The Site may reference or connect you with third-party websites, lenders, lending partners, networks, or services. We do not control the privacy practices, terms, rates, fees, or decisions of third parties. You should review any third party’s privacy policy and terms before providing information or accepting any loan offer.

Responsible Borrowing Notice

Short-term loans are expensive financial products and are not intended as long-term financial solutions. Before accepting any loan offer from a lender, carefully review the lender’s rates, fees, repayment terms, late-payment policies, renewal policies, and potential impact on your credit score. Late or non-payment may result in additional fees, collection activity, and negative credit reporting.

Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be posted with a new “Last Updated” date. Your continued use of the Site after an update means you acknowledge the revised Policy.

Contact Us

For questions about this Privacy Policy or to submit a privacy request, contact us at [email protected].