Privacy Policy

Effective Date: October 15, 2025

Welcome to Borrow Money: PayDay Loans Idx! This Privacy Notice explains how Payday Loans Index LLC ("we," "us," or "our") collects, uses, discloses, and safeguards your information when you use our mobile application (the “App”). By accessing or using our App, you accept the practices described below.

Information We Gather

Information Provided by You

When interacting with our App, you may share the following:

  • Identity Data: Your name, date of birth, Social Security Number (SSN), and official ID details.
  • Contact Data: Your address, phone number, and email address.
  • Financial Data: Income information, employment status, banking details, and credit history.
  • Loan Request Data: Loan purpose, requested amount, and repayment preferences.

Information We Collect Automatically

When you use the App, we automatically gather the following:

  • Technical Details: Device type, operating system, browser, IP address, and device identifiers.
  • Usage Patterns: App features used, pages viewed, and session durations.
  • Location Information: If allowed, real-time geolocation data.

Data from External Sources

We may supplement the data you provide with:

  • Credit Information: Reports from credit bureaus to assess your eligibility.
  • Third-Party Lenders: Updates on loan application status and offers.
  • Identity Verification Services: Tools used to confirm your identity and prevent fraud.

Use of Your Data

Your information is used for the following purposes:

  • Processing Loans: Reviewing and submitting your applications to lenders.
  • Identity Authentication: Verifying your details to prevent fraud.
  • Customer Care: Handling support inquiries and service requests.
  • Service Enhancement: Improving our App’s functionality and offerings.
  • Legal Compliance: Adhering to applicable laws and protecting our rights.
  • Marketing Communications: Sending updates and promotional content with your consent.

Sharing of Information

With Lending Partners

We may share your personal and financial information with third-party lenders to facilitate loan offers. These lenders have independent privacy practices that may differ from ours.

With Service Providers

We work with trusted third parties who assist in:

  • Payment processing
  • Identity verification
  • Analytics and marketing support

Legal Disclosures

We may release your data when legally required or to protect rights, property, or safety, including to:

  • Comply with subpoenas and court orders
  • Prevent fraudulent activities
  • Enforce our terms and conditions

Corporate Changes

In the event of a business transition, such as a merger, sale, or acquisition, your information may be transferred as part of that transaction.

Your Privacy Choices

You have the following rights regarding your personal data:

  • Access and Amendments: You can request a copy or correction of your personal data.
  • Deletion Requests: You can ask us to erase your personal data, unless retention is required by law.
  • Marketing Opt-Out: You can manage your preferences for receiving promotional materials.

To exercise your rights, contact us at support@paydayloansindex.com

Security Measures

We implement security measures to protect your information, such as:

  • Data encryption during transmission and storage
  • Access controls limiting personnel access to sensitive information
  • Real-time monitoring for suspicious activities

Despite these efforts, no system is completely secure. Please be cautious when sharing information.

Data Retention

We retain your personal information as necessary to:

  • Provide and complete services
  • Meet legal, regulatory, and tax obligations
  • Prevent fraud and resolve disputes

Children’s Data

Our App is intended for use by adults aged 18 and older. We do not knowingly collect information from individuals under the age of 18. If we discover that we have collected data from a minor, we will promptly delete it.

Third-Party Websites and Services

Our App may contain links to third-party websites or services that are not operated by us. We are not responsible for the content or privacy practices of these third parties. Please review their privacy notices separately.

Policy Updates

We may update this Privacy Notice from time to time. If significant changes are made, we will notify you via:

  • In-App notifications
  • Email communications

Your continued use of the App after such changes means you accept the updated Privacy Notice.

Contact Us

If you have any questions or requests regarding this Privacy Notice, please reach out to us:

Payday Loans Index LLC
Email: support@paydayloansindex.com

By using the App, you confirm you have read and understood this Privacy Notice.