Privacy Policy

Effective Date: September 2026

At Smartpaydaycash ("we," "us," or "our"), we value your privacy and are committed to protecting the personal information you provide when using our website and online financial referral services.

This Privacy Policy describes the types of information we may collect, how we use and share that information, the technologies we use to collect information, and certain choices available to you.

By accessing or using our website, you acknowledge the practices described in this Privacy Policy.

1. Information We Collect

Depending on how you use our website and services, we may collect information that you voluntarily provide, information obtained from third parties, and technical information automatically collected when you visit our website.

Personal Information

Information you provide may include:

• First and last name
• Residential or mailing address
• Email address
• Telephone or mobile number
• Date of birth
• Social Security Number or other identifying information
• Driver's license or state identification information

Financial and Employment Information

When you submit a financial request, we may collect information such as:

• Employment status
• Employer information
• Income and income frequency
• Bank account information
• Routing and account numbers
• Other financial information necessary to process your request

Technical and Usage Information

When you visit or interact with our website, we may automatically collect information such as:

• IP address
• Browser type and version
• Device type and identifiers
• Operating system
• Pages viewed and links clicked
• Date and time of website visits
• Referring website or advertising source
• General information about how you interact with our website

2. How We Use Information

We may use information collected through our website for legitimate business and service-related purposes, including:

• Processing and facilitating your online request
• Connecting you with participating lenders, lending networks, or service providers
• Verifying information and helping prevent fraud or unauthorized activity
• Communicating with you about your request
• Responding to questions and providing customer support
• Sending service-related communications
• Sending promotional communications where permitted and where you have provided the appropriate consent
• Improving our website, services, and user experience
• Understanding website traffic and usage patterns
• Measuring advertising and marketing performance
• Maintaining the security and integrity of our website
• Complying with applicable laws, regulations, and legal requirements

3. How We Share Information

We may share information with third parties when necessary to provide our services or for the purposes described in this Privacy Policy.

Participating Lenders and Lending Networks

If you submit a financial request, the information you provide may be transmitted to participating lenders, lending networks, or other financial service providers. These companies may independently evaluate your information and determine whether they can provide an offer or other service.

Each third party may have its own privacy policy and terms governing how it handles your information.

Service Providers

We may share information with trusted companies that provide services on our behalf, such as website hosting, technology, analytics, fraud prevention, customer support, advertising, and data processing.

Marketing and Business Partners

Where permitted by applicable law, we may share certain information with marketing or business partners that provide financial or related products and services.

Legal and Regulatory Disclosures

We may disclose information when we believe disclosure is necessary to:

• Comply with applicable law or legal processes
• Respond to a court order, subpoena, or government request
• Detect, investigate, or prevent fraud or illegal activity
• Protect our rights, property, or safety
• Protect the rights, property, or safety of users or others

4. Cookies and Tracking Technologies

We may use cookies, pixels, web beacons, tags, and similar technologies to operate and improve our website.

These technologies may help us:

• Remember preferences
• Understand how visitors use our website
• Analyze website traffic
• Measure advertising campaigns
• Improve website functionality
• Deliver or measure relevant advertising

You may be able to control cookies through your browser or device settings. Disabling certain cookies may affect some website features or functionality.

Third-party advertising and analytics providers may also use tracking technologies on our website subject to their own policies.

5. Data Security

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

Information transmitted through our website may be protected using encryption technologies such as Secure Sockets Layer (SSL)/Transport Layer Security (TLS), where appropriate.

However, no website, internet transmission, or electronic storage system can be guaranteed to be completely secure. Therefore, while we take reasonable steps to protect your information, we cannot guarantee absolute security.

6. Data Retention

We may retain personal information for as long as reasonably necessary to provide our services, maintain business and transaction records, comply with legal and regulatory requirements, resolve disputes, enforce agreements, and protect our legitimate business interests.

The length of time information is retained may vary depending on the type of information and the purpose for which it was collected.

7. Third-Party Websites and Services

Our website may contain links, advertisements, or connections to websites and services operated by third parties.

If you access a third-party website or service, that company's privacy practices will apply. We encourage you to review the privacy policy and terms of any third-party website before providing personal information.

We are not responsible for the privacy, security, or content practices of third-party websites that we do not operate.

8. Communications and Marketing Choices

We may contact you regarding your request, account, transactions, or other service-related matters.

Where permitted by law, we may also send promotional communications about financial or related products and services.

You may be able to opt out of certain marketing communications by following the unsubscribe instructions included in the communication or by contacting us using the information provided on our website.

Please note that opting out of promotional communications does not necessarily prevent us from sending important service-related or transactional communications.

9. Children's Privacy

Our website and services are intended for individuals who are at least 18 years old.

We do not knowingly collect personal information from children under the age of 18. If we learn that we have collected personal information from a child without appropriate authorization, we will take reasonable steps to delete that information in accordance with applicable law.

10. Your Privacy Choices and Rights

Depending on where you live and applicable law, you may have certain rights regarding your personal information.

These rights may include the ability to:

• Request access to certain personal information we maintain
• Request correction of inaccurate information
• Request deletion of certain information
• Opt out of certain marketing communications
• Exercise applicable privacy rights provided under state or federal law

The availability of these rights may vary depending on your location and applicable legal requirements.

To make a privacy-related request, please contact us using the contact information provided on our website.

12. Contact Us

If you have questions about this Privacy Policy, our information practices, or your privacy choices, please contact us through the contact information provided on our website.

Smartpaydaycash