Privacy Policy

paydayloansjackson.com (“we,” “our,” or “us”) provides this Privacy Policy to explain how we collect, use, disclose, and protect personal information when you visit our website or submit a loan request.

paydayloansjackson.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 that may help users access lenders or lending partners in a network.

1. How This Privacy Policy Applies

This Privacy Policy applies to personal information collected through paydayloansjackson.com, including information you provide when submitting a loan request and information collected automatically when you use the website.

Information collected in connection with a financial product request may be subject to federal privacy laws, including the Gramm-Leach-Bliley Act (“GLBA”) and, where applicable, the Fair Credit Reporting Act (“FCRA”). Other website activity may be subject to applicable state privacy laws.

2. Personal Information We May Collect

The types of personal information we may collect depend on how you use the website and may include:

• Identifiers and contact information: name, email address, phone number, mailing address, IP address, and similar identifiers.
• Loan request information: requested loan amount, employment details, income information, pay frequency, and related financial information.
• Sensitive information: Social Security number, driver’s license information, bank account details, and other information that may be necessary to process a loan request.
• Financial information: bank name, routing number, account number, account type, and direct deposit status.
• Technical information: browser type, device type, pages viewed, referral information, cookies, log data, and approximate location based on IP address.
• Communication and consent records: records of communications, preferences, and consent associated with your use of the website or submission of information.

3. How We Collect Information

We may collect personal information directly from you when you submit a loan request, complete website forms, communicate with us, or otherwise interact with the website.

We may also collect information automatically through cookies and similar technologies or receive information from service providers and other parties as permitted by law.

4. How We Use Personal Information

We may use personal information for purposes including:

• Processing and transmitting your loan request to lenders, lending partners, or related service providers in a network.
• Supporting the operation of our connecting service.
• Verifying identity and helping detect or prevent fraud.
• Maintaining website security and functionality.
• Communicating with you about your request or related services.
• Maintaining records of consent and user preferences.
• Analyzing website traffic and improving website performance and user experience.
• Measuring marketing effectiveness where permitted by law.
• Complying with legal, regulatory, and contractual obligations.

5. How We May Share Personal Information

To provide our connecting service, we may disclose personal information to lenders, lending partners, lead networks, service providers, marketing partners, fraud prevention providers, hosting providers, communication providers, analytics providers, and other parties as permitted by law and consistent with your consent.

A lender or lending partner may review your information and decide whether to offer a loan. Approval is not guaranteed. Loan availability, amounts, rates, fees, repayment terms, credit checks, documentation requirements, and funding times vary by lender, state, and individual circumstances.

We may also disclose information when reasonably necessary to protect rights or security, prevent fraud, comply with applicable law, respond to legal process, or enforce applicable agreements.

6. Credit and Verification

Some lenders or lending partners may verify your credit, obtain consumer reports, or request additional information when evaluating a loan request. Requirements vary by lender. paydayloansjackson.com does not make credit decisions and does not determine whether a lender or lending partner will offer a loan.

7. 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.

Where permitted by law and consistent with the consent you provide, your information may be shared with lenders, lending partners, service providers, or marketing partners so they may process your request, provide related services, or contact you about products or services that may be relevant to you.

8. State Privacy Rights

Depending on your state of residence and applicable law, you may have rights regarding certain personal information, including the right to request access, correction, deletion, or a copy of eligible information. You may also have the right to opt out of certain sales, sharing, targeted advertising, or profiling activities where applicable.

Certain state privacy rights may not apply to information governed by GLBA, FCRA, or other applicable financial privacy laws.

To submit a privacy rights request, contact us at [email protected]. Please include sufficient information for us to identify and process your request. We may take reasonable steps to verify your identity before completing a request.

9. Opt-Out Requests

Where applicable, you may request to limit certain sharing of personal information with nonaffiliated third parties for their own marketing purposes. To submit a request, email [email protected] with the subject line “Privacy Opt-Out.”

An opt-out request may not limit disclosures necessary to process a current loan request, provide a service you requested, prevent fraud, comply with law, or work with service providers acting on our behalf.

10. Cookies and Similar Technologies

We may use cookies, pixels, tags, and similar technologies to operate the website, remember preferences, analyze traffic, support security, help prevent fraud, measure marketing performance, and improve user experience.

Most browsers allow you to manage, block, or delete cookies through browser settings. Disabling certain cookies may affect website functionality.

11. Data Security

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the Internet or electronic storage is completely secure, and absolute security cannot be guaranteed.

12. Data Retention

We retain personal information for as long as reasonably necessary to provide services, maintain records, process requests, prevent fraud, resolve disputes, meet legal and regulatory obligations, and support legitimate business purposes.

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

13. Children’s Privacy

Our website and connecting service are intended for adults who are at least 18 years old. We do not knowingly collect personal information from children under 16 years of age. If we learn that personal information from a child under 16 has been collected, we will take reasonable steps to delete it as appropriate.

14. Third-Party Services

Information may be transmitted to lenders, lending partners, or other third parties in connection with your request or as otherwise described in this Privacy Policy. These third parties may maintain their own privacy practices and are responsible for their own actions or inactions.

paydayloansjackson.com is not responsible for the privacy practices, terms, products, services, actions, or inactions of any lender, lending partner, or other third party.

15. Responsible Borrowing

Short-term loans can be expensive financial products and should be used responsibly. Before accepting any loan offer, carefully review the lender’s full terms and conditions, including rates, fees, repayment terms, late-payment consequences, renewal policies, and potential credit score impact.

Late or non-payment may result in additional fees, collection activity, and negative impact on your credit score. Renewal policies vary by lender and may involve additional costs.

16. Service Availability

The connecting service offered through paydayloansjackson.com is not available to residents of Arkansas, New York, Vermont, or West Virginia. Availability may vary by state, lender, lending partner, and individual circumstances.

17. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, services, technology, or applicable law. Updates become effective as described in the revised policy and will include a new “Last Updated” date.

18. Contact Us

If you have questions about this Privacy Policy, our privacy practices, or a privacy rights request, contact us at [email protected].