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Privacy Policy

This Privacy Policy explains what information is involved when you use the Payactiv Apps website, how it may be used, how third-party application services fit in, and the choices available to you.

Last updated:
Effective date:
On this page
  1. Introduction
  2. 01. Information We Collect
  3. 02. How Information Is Collected
  4. 03. How Information May Be Used
  5. 04. Third-Party Application Services
  6. 05. Cookies and Similar Technologies
  7. 06. Third-Party Links
  8. 07. Data Security
  9. 08. Data Retention
  10. 09. Your Privacy Rights and Choices
  11. 10. State Privacy Rights
  12. 11. Children’s Privacy
  13. 12. Changes to This Privacy Policy
  14. 13. Contact Information

Introduction

This Privacy Policy applies to the website at payactivapps.com (the “website”), operated by Payactiv Apps (“Payactiv Apps,” “we,” “us,” or “our”). It describes how information is handled when you browse the website, read our guides, use our calculators, contact us, or start an online loan application through a third-party service made available on the website.

Payactiv Apps is an independent financial information and loan connection website. We are not a lender, and we are not affiliated with, endorsed by, or operated by Payactiv, Inc. Lenders, lending networks, and other companies you interact with through the website handle information under their own privacy policies, which are separate from this one.

Please read this Privacy Policy together with our Terms of Use. If you do not agree with this Privacy Policy, please do not use the website.

01. Information We Collect

Information you submit directly to us

The website does not offer user accounts, a contact form, or a newsletter sign-up. If you contact us by email, we receive the information you choose to include, such as your name, your email address, and the contents of your message. Please do not send Social Security numbers, bank account numbers, or other sensitive financial information by email.

Information you enter into third-party application forms

The online application on our Apply page is provided by an independent third-party service. The form may ask for information such as your name, contact details, date of birth, Social Security number, income, employment, and bank account details. That information is entered into the third-party service and is handled under that provider’s privacy policy and terms. The website itself does not operate a database that stores the contents of the application form. See Section 04 for more detail.

Technical information from ordinary website use

Like most websites, the servers that host the website may automatically record standard technical information when your browser requests a page. This can include your IP address, browser type, device type, operating system, the page requested, the referring page, and the date and time of the request.

Cookies and information stored in your browser

Some website features keep limited information in your own browser rather than sending it to us:

  • Session storage: the page where you first arrived, the referring website, campaign parameters included in the link you followed (such as utm_source or utm_campaign), the last call-to-action button you selected, and a loan amount suggested by our earned wage access calculator. Session storage is generally cleared when you close the browser tab or window.
  • Local storage: the choice you make on our Your Privacy Choices page, so the website can remember it in that browser.

Our calculators and the search box on our Resources page run in your browser. The numbers and search terms you enter in them are not sent to us. Cookies are covered in Section 05.

02. How Information Is Collected

Information related to the website is collected in three different ways, and the difference matters for who handles it.

Information you provide voluntarily

This is information you choose to send us, such as the contents of an email. You decide what to include.

Information collected through website functionality

This includes the technical information recorded by the servers that host the website when your browser requests pages, and the information that website features store in your browser, as described in Section 01.

Information processed through third-party services

When you use the online application, the information you enter is collected by the third-party provider that operates the form, not by the website. Likewise, when you follow a link to another website, that website collects information under its own practices.

03. How Information May Be Used

We may use the information described in this Privacy Policy to:

  • operate, maintain, and secure the website;
  • provide financial information, guides, comparisons, and tools;
  • make the online application available to you through a third-party service;
  • respond to your questions and requests;
  • diagnose technical problems and keep the website working properly; and
  • comply with applicable law, respond to lawful requests, and protect our rights and the rights and safety of others.

Payactiv Apps does not make credit decisions. Lenders and other providers make their own decisions using their own criteria.

04. Third-Party Application Services

The online application on our Apply page is provided by an independent third-party service and is loaded from that provider’s systems. When you use it, you are interacting with that provider, and the information you enter is submitted to it. Depending on the service, your information may then be reviewed by participating lenders under the provider’s own terms.

The provider, and any lenders or other companies that receive your information through it, may have their own privacy policies, terms, data practices, and consent requirements, including consents for electronic records and for contact by phone, text message, or email. Please review the notices presented in the application before you submit it. Payactiv Apps does not control, and is not responsible for, the privacy practices of these independent third parties.

Financial institutions that receive your information may also give you privacy notices required by federal law, such as the Gramm-Leach-Bliley Act, describing how they handle your information. For questions about information you entered in an application, contact the provider or lender directly.

As explained in our Advertiser Disclosure, we may receive compensation when visitors submit applications or obtain loans. In connection with that arrangement, the provider may share limited information with us, such as whether an application was submitted.

The provider’s software runs on the Apply page while you use the form and may collect technical information or use cookies or similar technologies under the provider’s own policies.

05. Cookies and Similar Technologies

Cookies are small text files that a website can place on your device. Similar technologies, such as a browser’s local storage and session storage, let a website keep small amounts of information in your browser.

The website’s own code does not set cookies. It uses browser storage only for the purposes described in Section 01. As of the “Last updated” date above, the website does not use third-party analytics or advertising tools. If that changes, we will update this Privacy Policy. Third-party services that run on the website, such as the online application form, may use their own cookies or similar technologies under their own policies.

Your browser controls

Most browsers let you block or delete cookies and clear stored website data. If you do, some features may not work as intended, and choices stored in your browser, such as your privacy choice, may be lost.

Global Privacy Control and Do Not Track

If your browser sends a Global Privacy Control (GPC) signal, the website treats it as a request to opt out of the sale or sharing of personal information for that browser and shows this on our Your Privacy Choices page. There is no common industry standard for other “Do Not Track” signals, and the website does not currently respond to them.

The website links to websites operated by others, including government agencies, financial service providers, review platforms, and news publications. We provide these links for your convenience and reference. Those websites are operated independently, and their privacy practices may differ from ours. We encourage you to review the privacy policy of any website you visit.

07. Data Security

We take reasonable steps to help protect information related to the website. For example, the website is served over HTTPS. However, no website, internet transmission, or storage system is completely secure, and we cannot guarantee the security of any information you transmit.

Information you enter into a third-party application form is protected under the security practices of the provider that operates the form. To help protect yourself, please do not send sensitive financial information to us by email.

08. Data Retention

How long information is kept depends on the type of information, the reason it was collected, and applicable legal obligations:

  • Emails you send us may be kept for as long as needed to respond, to keep a record of our communications, and to meet legal obligations.
  • Technical records kept by the servers that host the website are retained according to the hosting provider’s practices and settings.
  • Information stored in your browser stays there until it expires or you clear it.
  • Information you enter into a third-party application form is retained according to that provider’s policies and legal obligations.

09. Your Privacy Rights and Choices

Your privacy rights depend on where you live and which laws apply. Where applicable law provides these rights, you may be able to:

  • request access to the personal information we hold about you;
  • request that we correct inaccurate personal information;
  • request that we delete personal information; and
  • opt out of the sale or sharing of personal information, or of targeted advertising.

To make a request, email us at [email protected]. We may need to verify your identity before responding, and we will respond as required by applicable law. Some requests may be limited by legal exceptions. Because information you enter into a loan application is held by the application provider or lender rather than by us, requests about that information should also be sent to them.

Choices available on the website

  • Opt out of sale or sharing: use Your Privacy Choices or turn on Global Privacy Control in your browser.
  • Browser storage and cookies: use your browser settings to clear or block them.
  • Messages from lenders or other providers: follow the opt-out instructions in those messages or contact the sender directly.

10. State Privacy Rights

Several U.S. states, including California, have consumer privacy laws that may give residents additional rights, such as the right to know what categories of personal information are collected and how they are used, and the right to opt out of the sale or sharing of personal information. Whether a particular state law applies depends on factors set out in that law, such as the size and activities of a business.

Where such a law applies to us, you may exercise your rights by contacting us as described in Section 13 or by using Your Privacy Choices. Where state law permits, you may use an authorized agent to submit a request on your behalf. We will not discriminate against you for exercising privacy rights available to you under applicable law. Some information, such as information covered by the Gramm-Leach-Bliley Act, may be governed by other laws instead.

11. Children’s Privacy

The website and its loan-related information are intended for adults. The website is not directed to children, and we do not knowingly collect personal information from children. If you believe a child has provided personal information to us, please contact us so we can review the matter and take appropriate steps.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time, for example when the website’s features or the services it uses change. When we do, we will update the “Last updated” date at the top of this page. If we make material changes, we will provide notice as required by applicable law, such as a notice on the website. Unless otherwise stated or required by law, changes take effect when the updated policy is posted.

13. Contact Information

If you have questions about this Privacy Policy or want to make a privacy request, contact us:

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