Privacy Notice

Last Updated: June 2, 2025

Thank you for choosing Payday Bridge, a digital service provided by Payday Bridge Loan Services LLC (“Payday Bridge,” “we,” “our,” or “us”). This Privacy Notice explains how we collect, process, store, share, and protect your personal data when you use our mobile application (“Application”). By accessing or interacting with the Application, you consent to the data handling practices outlined in this Notice. We encourage you to read it carefully so you fully understand how your information is treated.

1. Data We May Collect

1.1 Information You Provide

When you use the Payday Bridge App, you may voluntarily provide personal information that allows us to offer services or improve your experience. This includes but is not limited to:

• Your full legal name, as used on official identification documents
• Email address and phone number to enable communication and account alerts
• Home address and mailing location to assist with regulatory and regional lending assessments
• Date of birth for verifying eligibility (18+ requirement) and identity confirmation
• Social Security Number (SSN), if applicable and legally required, for compliance and fraud prevention
• Employer name, position, job status, and work contact details
• Monthly income, rent or mortgage payments, and recurring obligations to assess affordability
• Bank account details to support direct deposits or electronic fund transfers

1.2 Technical and Anonymous Data

In addition to information you actively provide, we automatically gather anonymous technical data and behavioral insights that help us optimize performance and user experience. Examples include:

• Device type, brand, screen resolution, and operating system version
• Geographic location (approximate, based on IP address or GPS signals)
• Log data such as pages visited, buttons clicked, scroll depth, and session duration
• Traffic sources such as whether you arrived via search, ad link, or referral
• Frequency of app launches and crash/error reports for diagnostics

2. Use of Collected Data

The personal and technical data we collect is used for a variety of functional, operational, and legal purposes. Specifically, we may use your information to:

• Allow you to explore financial offers that match your profile
• Submit your data to participating lenders to facilitate a loan application
• Send timely updates about loan decisions, required actions, or approvals
• Respond to customer inquiries, complaints, or technical support needs
• Personalize your experience by adapting the app layout, messaging, or content
• Fulfill legal obligations, including identity verification and anti-fraud measures
• Improve security, detect unusual activity, and maintain application stability

3. Sharing of Your Information

3.1 Partner Institutions

To connect you with lending opportunities, we securely forward your application data to verified and licensed lenders or financial networks that have agreed to follow strict data handling rules. This process is integral to our service and occurs only with your permission through app usage.

3.2 Operational Support Providers

We rely on external vendors for services such as data hosting, application maintenance, fraud monitoring, analytics, customer support, and payment processing. These service providers may access certain user data, but only under signed confidentiality and data protection agreements that prevent misuse or unauthorized disclosure.

3.3 Legal and Regulatory Requests

In accordance with applicable U.S. laws, we may disclose personal data in response to a subpoena, court order, government investigation, or other legal obligation. We may also disclose information where it is necessary to enforce our terms, defend legal rights, or prevent harm to others—including fraud, abuse, or financial crime.

3.4 Change of Ownership

Should Payday Bridge Loan Services LLC be acquired, merged, or involved in bankruptcy proceedings or corporate restructuring, your data may be transferred to the new owner or legal entity. Any such transfer will be done in accordance with applicable privacy laws and provide notice to you where required.

4. Your Privacy Controls

4.1 Viewing or Updating Your Information

You can contact our support team to request a summary of personal data we store about you, or to ask for corrections. We aim to respond to such requests within a reasonable timeframe and in accordance with relevant data protection laws.

4.2 Managing Communications

You may opt out of marketing messages by using the “unsubscribe” link in emails or changing push notification settings within your device. Mandatory communications related to transactions or legal notices may still be sent.

4.3 California Privacy Rights

Under the California Consumer Privacy Act (CCPA), California residents are entitled to:

• Request details on categories and specific pieces of personal information collected
• Ask for the deletion of their personal information, subject to exemptions
• Opt out of the sale of personal information (we do not sell user data)
• Receive services on equal terms regardless of their privacy choices

To exercise these rights, contact us at info@paydaybridgeloanservices.pro. We may require identity verification before processing your request.

5. Safeguarding Your Data

We implement multiple layers of technical, administrative, and physical security to protect your information from unauthorized access, disclosure, or misuse. This includes SSL encryption during data transfer, firewalls, role-based access controls, secure storage environments, and real-time monitoring. While no system is completely immune to risks, we actively assess vulnerabilities and enhance security controls as part of our ongoing commitment to data protection.

6. Retaining Your Information

Your data will be retained only for as long as necessary to fulfill the services you requested and comply with legal, accounting, or regulatory obligations. When no longer required, personal data is securely deleted or anonymized using industry-standard methods such as encryption, redaction, or file overwriting.

7. Protection of Minors

Payday Bridge is designed for individuals aged 18 and older. We do not knowingly collect data from children or minors under the age of 18. If you become aware that a minor has submitted personal information, please notify us immediately and we will promptly remove it from our systems in accordance with applicable child protection laws.

8. External Services and Links

For your convenience, our Application may contain links to websites or tools operated by third parties. These external platforms operate under their own privacy policies and terms. We are not responsible for the security or data collection practices of third parties and encourage you to read their privacy notices before engaging with their services.

9. Updates to This Notice

We may periodically revise this Privacy Notice to reflect changes in legal requirements, service features, or data handling practices. Any modifications will be published on this page with an updated “Last Updated” date. You are encouraged to review this page regularly. Your continued use of the App constitutes acceptance of any revised terms.

10. Reach Out to Us

If you have any concerns, requests, or need clarification regarding our privacy practices or how your data is handled, you can contact us using the information below:

Payday Bridge Loan Services LLC
Email: info@paydaybridgeloanservices.pro