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Your privacy is safe with us

We acknowledge the importance of personal data safety. To provide you with methods and principles we apply to data management on this website, we established this Privacy Policy. Please read this section before you start using paydaybears.com.

Please note that by using our website you confirm that you agree with our Privacy Policy.

1. What Kind of Information We Collect

We gather the following information from you, personally identifiable information and non-personally identifiable information.

Personally identifiable information is the sort of data that allows us to recognize you as an individual. You provide us with it when you sign up and start submitting a request. This information may include but is not limited to: your full name, date of birth, place of residence, phone and mobile phone number, driver’s license, social security number, relevant employment details, income, banking account, credit history, military status.

Non-personally identifiable information relates to the data that doesn’t reveal anything about your identity. This information is anonymous and may include but is not limited to: IP address, Internet provider, browser, language, time of browsing session, clicks, links you followed, etc. Such kind of data is collected through cookies, web beacons and pixel tags.

Cookies are tiny pieces of data sent by a website you visited and stored at your computer. The terms of web beacons and pixel tags are associated with small transparent graphic images that allow to track the behavior of website visitors.

2. Why We Collect This Information

Collecting personal details of users is necessary for business management, technical support improvement and marketing research. We also need your private data to process your application and get you connected with one of our lenders.

3. How We Share Your Personally Identifiable Information

By providing your personally identifiable information, you allow us to process your application and connect you with a lender. That also means that we have the right to share this information with a third party because a lender cannot approve your loan without knowing anything about you.

Please note that lenders may verify your personal information by sending requests to national databases and credit reporting agencies. Such inquiries may affect your credit score. We may share some of your data with our affiliates, partners and other accredited third parties for the purposes of business management, security, advertising, marketing, consumer behavior research, consumer support improvement.

We reserve the right to share your information with another company that has acquired our business, a part of it, or fused with us. In case such a situation takes place, it’s possible that we will inform you about these changes by email or with an announcement posted on our website. We may share your personally identifiable information if it is required by the law and is necessary to proceed with a legal process or to protect our rights.

4. How We Share Your Non-Personally Identifiable Information

By collecting and sharing your non-personally identifiable information with third parties, we improve our technical service, study behavior of our customers and gather web statistics important to the management of our business. We may share it with other third parties for these purposes.

5. Links Provided by Third Parties

When browsing our website, you may come upon links to third parties’ websites. All these links are given to you only as a reference. You click them on your own will. We do not manage those websites; therefore, we cannot be held accountable for their content, privacy policy, terms and practices as their management is beyond our responsibility and control.

6. Marketing Practices

By accessing our website, you acknowledge that you know about our marketing practices and agree with them. You have nothing against receiving advertisements, newsletters, marketing messages and other promotional materials from us.

Our third-party partners may also send you their marketing messages using all the contacts you’ve provided us with.

When you start using our website, you acknowledge that you are aware of our marketing practices and that you agree to receive such kind of messages from us and our third-party partners. In case you don’t want to receive marketing messages from us, contact us by email. Nevertheless, if you want to opt-out from third parties’ messages, you should contact them directly with this request.

Please note, that we are not responsible for the marketing practices of third parties as we do not control them.

7. How We Protect Your Information

To keep your personal information secure, we use safeguards and advanced security systems that correspond to the US law requirements regarding this matter. Only authorized personnel can access your data. They may do so only for business purposes allowed by the current US legislation.

Despite our best efforts, we cannot guarantee the total safety of your data. This is impossible due to the fact that we are not able to control law violators.

8. Notice for Foreigners

We render our services exclusively to employed residents of the United States. If you are a foreigner, don’t access our website.

9. Notice for Minors

We render our services exclusively to people over 18 years old. If you are a minor, don’t access our website.

As seen above, we do not deliberately collect data from children. If you are a parent or a legal guardian of a child that accessed our website, please, inform us about the incident using our contacts.

10. Privacy Policy Changes

We reserve the right to revise, modify, update this Privacy Policy when we find it appropriate to do so. We can revise, modify, update the Privacy Policy without notice. For this reason we encourage you to reread this section from time to time. If you keep accessing our website after we’ve changed the Privacy Policy, then it will mean that you agree with the changes.

11. How You Can Contact Us

If there is something you would like to discuss with us, please, send us a message using our email [email protected]

Our Terms and Conditions

This page contains important information concerning our terms and conditions of your usage of the connecting platform paydaybears.com (hereinafter also referred to as ‘Company’, ‘we’, ‘us’, ‘website’, ‘site’, etc.). We encourage you to read it carefully and revisit this section once in a while because we have the right to modify and update the present Terms as we see fit. We also recommend that you read other sections of our website, such as the Privacy Policy that highlights our data management practices.

Please bear in mind that as soon as you start using paydaybears.com, you admit that you agree to our Terms and Privacy Policy and are ready to abide by them. If you disagree with these Terms of Use, do not access our website in the first place.

1. Usage Restrictions

Foreigners and minors cannot use our platform and we do not deliberately collect any data from them. To access our website, you must be at least 18 years, have a steady source of income, and be a legal resident of the United States.

2. What Services We Render

The purpose of paydaybears.com is to give you quick access to a network of trustworthy lenders. We are not lenders ourselves, we are a free-of-charge platform that allows you to submit a funding request and get connected with a financial provider. We do not lend money, we do not participate in your communication with a lender and we do not represent or promote the services of any particular lender. You are under no obligation to use our website, submit your personal details, or agree to a loan offer made by a third-party lender.

All the questions regarding your loan, agreement, fees, APR, and other conditions should be addressed to your lender as we ourselves are not involved in the lending process. We will not be liable for any damages, costs, or misunderstanding that may arise from the communication between you and your lender.

When you sign up, you acknowledge that you know our Terms of Use. You are aware that you need to enter some of your personal information to get access to our network of lenders. You understand that we may share this information with them and that they, in their turn, may also use it. Our policy of data management is clearly expressed in the section for Privacy Policy. By using paydaybears.com, you consent to our Privacy Policy. You also consent to use our website only for its direct purposes and in full accordance with our terms and the US legislation.

Note that some lenders may verify your personal information to see your eligibility. They may address national databases and credit reporting agencies with such requests. Some of these inquiries may affect your credit score.

3. Intellectual Property Rights

Our website, its logo, trademark, software, content, and other materials are protected by US copyright laws. By giving you access to our website we DO NOT delegate our intellectual property rights to you. Any reproduction, sale, copy, or other misuses of paydaybears.com without our written permission is a violation of our rights and will be treated as such.

4. Marketing Practices

The page for Marketing Practices explains our views on marketing and its principles. By accessing paydaybears.com, you confirm that you agree to our practices and that we and our third-party partners may reach out to you via contacts you specified.

5. Links Provided by Third Parties

When browsing our website, you may come upon links to third parties’ websites. All these links are given to you only as a reference. You click them on your own will. We do not manage those websites; therefore, we cannot be held accountable for their content, privacy policy, terms, and practices as their management is beyond our responsibility and control.

6. Dealing with Third Parties

You communicate and make deals with third parties at your own volition and risk, and we won’t be liable for these dealings and their outcomes.

7. Disclaimer of Warranties

THIS SITE AND THE SERVICES OFFERED ARE AVAILABLE “AS IS” AND ON THE BASIS OF THE STATED AVAILABILITY. THEY ARE ACCESSED AND USED AT YOUR OWN RISK AFTER UNDERSTANDING THE TERMS OF USE. THIS COMPANY MAKES NO WARRANTIES OR GUARANTEES WHATSOEVER WITH THE SERVICE OR ANY PRODUCT PRESENTED VIA THE SITE, AND THEY ARE SUBJECT TO CHANGE WITHOUT ANY PRIOR NOTIFICATIONS. ALSO, THE COMPANY DOES NOT GUARANTEE THAT ITS SERVICES WILL MEET YOUR REQUIREMENTS AT ANY GIVEN POINT IN TIME OR THAT THE SERVICES OFFERED BY THE COMPANY WILL BE UNINTERRUPTED, SECURE OR ERROR-FREE. THE SOFTWARE AND OTHER TECHNOLOGIES USED BY THE COMPANY MAY COME WITH ERRORS THAT WILL BE CORRECTED BY THE COMPANY WHEN POSSIBLE. THE COMPANY DOES NOT GUARANTEE THAT ANY THIRD PARTY SOFTWARE, WEBSITES AND TOOLS WILL BE SECURE OR ERROR-FREE. AS A RESULT, THE COMPANY WILL NOT ACCEPT ANY LIABILITY ARISING OUT OF SUCH ERRORS OR PROBLEMS. THIS COMPANY CARRIES NO RESPONSIBILITIES FOR THE LINKS OF THIRD-PARTY PROVIDERS AND FINANCIAL SERVICE PROVIDERS PRESENTED ON THE SITE. IT IS UP TO YOU TO VISIT THESE THIRD-PARTY LINKS AND ACCEPT THE PRODUCT OR SERVICES OFFERED BY THEM. BY VISITING SUCH LINKS, YOU FALL UNDER THE POWER OF THE TERMS AND CONDITIONS, WHICH GOVERN THE WEBSITES OR OTHER LOCATIONS YOU GET FOLLOWING THESE LINKS, SO YOU ARE AT YOUR OWN RISK AND THE COMPANY IS NOT LIABLE FOR ANY LOSSES ACCRUED TO YOU THROUGH SUCH ACTIONS.

8. Limitation of Liability

THE COMPANY IS NOT RESPONSIBLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR ANY OTHER FORM OF LOSS OR DAMAGE, INCLUDING BUT NOT LIMITING THE LOSS OF PROFIT, DATA, OPPORTUNITIES, COSTS, PERSONAL INJURY/WRONGFUL DEATH AND OTHER FORMS OF DAMAGE, THAT YOU MAY BE SUBJECT TO DUE TO THE USAGE OF THE SITE OR ANY CONTENT OR SERVICE PRESENTED BY THE SITE.

SOME JURISDICTIONS DO NOT RECOGNIZE OR ALLOW THE EXCLUSION OF CERTAIN SPECIFIC WARRANTIES SUCH AS INCIDENTAL OR CONSEQUENTIAL DAMAGES. IN SUCH CASES, THE TOTAL LIABILITY OF THE COMPANY IN THE CASE OF SUCH LOSS OR DAMAGE RELATED TO THE USAGE OF THE SITE IS LIMITED TO THE EXTENT OF THE TOTAL AMOUNT PAID BY YOU TO THE COMPANY IN CONNECTION WITH THE SUBJECT MATTER OF THE PARTICULAR DISPUTE.

9. E-Consent

E-Consent is an electronic signature of yours. By clicking links like “Submit”, “I Agree”, “E-Sign”, “Consent”, etc., you give your electronic signature. You also consent that you are able to communicate with us and third parties electronically.

10. Disputes Solving and Class Action Waiver

ALL DISPUTES THAT MAY ARISE BETWEEN YOU AND paydaybears.com SHALL BE RESOLVED THROUGH ARBITRATION ONLY. BY ACCESSING paydaybears.com YOU ADMIT THAT YOU AGREE TO SOLVE ANY DISPUTE THROUGH ARBITRATION. YOU ALSO AGREE THAT TO WAIVE YOUR RIGHTS TO REPRESENT YOURSELF INDIVIDUALLY OR THROUGH LEGAL COUNSEL IN COURT.

11. Indemnification

If you choose to use paydaybears.com, you confirm that you agree to indemnify paydaybears.com and its parental company together with any subsidiaries and affiliates. You agree that we won’t be responsible for any damages, costs, and misunderstanding that may arise through your use of our website.

12. Violations

If you violate our Terms of Use, we reserve the right to terminate your account without notice and remove any content or materials you submitted to our website.

13. Severability

The provisions stated in the present Terms of Use won’t сease to be in force even if we don’t manage to fulfill one of their provisions. If one or several provisions of the Terms contradict the law, the remaining provisions will be valid and the contradicting ones will be severed.

14. Modifications and Updates

We encourage you to read this information carefully and revisit this section once in a while as we have the right to modify and update the present Terms as we see fit without prior notice. If some changes or updates take place, we may notify you about them by email or through an announcement posted on our website.

15. Force Majeure Event

You agree and fully understand that we carry no responsibilities for the damage, harm, events or the consequences of the events, which happen beyond our control, including but not limited to the events of the failure of mechanical equipment or communication, malicious online activity, errors, unauthorized access to the Site, natural disasters, strikes, wars and governmental restrictions.

16. Entire Agreement

The Terms of Use, Privacy Policies, Responsible Lending Policies, and Marketing Practices and relative regulative agreements laid down in this set of documents comprise the entire understanding of the provisions and agreements between you and us, and it supersedes any prior information or notices you may have received in this regard. Our failure to enforce any of these provisions will not mean a waiver of these provisions at any time.

We reserve our right to make amendments, delete, change, or modify any content of the website regarding which the agreement is made. If you continue to use the website, you automatically agree and accept these changes.

17. How You Can Contact Us

If there is something you would like to discuss with us, please, send us a message using our email [email protected].

Rates & Fees

paydaybears.com streamlines the loan process from start to finish, though we do not lend you money ourselves. This also means we do not make any decisions on your request, we cannot influence the lender’s decision, and we are not privy to information regarding your fees, rates, APR, nonpayment rules, and renewal policy.

This website is an online service that works to put in touch borrowers like you with reliable lenders that are ready to satisfy your current financial needs.

All details, such as fees, rates, APR, nonpayment rules, and renewal policy are specified in your loan agreement and depend on local regulations by state. On our part we provide plenty of information that can help you better understand what a loan is, how it works, and how to use it wisely.

The service works for you for free. We do not bring you to accept the first available offer, allowing you to decline unsuitable options for as long as you are completely satisfied with all terms and conditions. Our activity has a simple goal: meeting our clients’ financial interests. That’s just how it has to be.

Once your request is approved, the lender will make you an offer, including the fees and APR, as well as the terms of repayment and loan renewal options, if any. We encourage you to read the agreement carefully and weigh all pros and cons and be fully equipped with the necessary information to not fall in an unpleasant financial situation.

Pay particular attention to non-payments that may result in additional fees, negative impact on your credit score, and even collection activities. In case you have no funds to repay the debt on a due date, immediately contact your lender and discuss ways how to handle the situation.

Some lenders can offer to resort to a loan renewal. Remember that each lender has its own renewal policy, so we recommend that you peruse it before accepting the offer.

If you need more information on your loan agreement, please address all your questions directly to your lender. As far as we are concerned, we are ready to answer only those questions that are relevant to our service.

Disclosures described above are for information purposes only. Do not regard them as legal advice.

Disclaimer

Disclaimer: paydaybears.com is not an offer or solicitation to lend. We do not make any loan or credit decisions and are not representatives, brokers or agents of any lender. Participating lenders offer loans from $500 up to $10,000. Not all lenders can offer you amounts up to $10,000. Our service is not available in all states. Submission of a request through this website does not guarantee that you will receive a loan offer or an offer you’ll be satisfied with. Funds transfer time may vary depending on your lender and/or financial institution. If you have any questions about your loan, please contact your lender directly. Credit checks may be performed with the three reporting credit bureaus: Experian, Equifax, and TransUnion. Submission of a request means you are authorizing the lenders to check your creditworthiness and your personal details.

This service is not a solicitation for loan products and does not constitute a loan offer for any loan products that are prohibited by state law. This service is void where prohibited.

State Availability: Not all lenders from our system operate in all US states. Residents of some US states may not be eligible for loan products in accordance with their legislation. By selecting your State at the start of our loan offer process, you shall be informed of any limitations regarding obtaining a loan if you reside in individual US states.

This website collects personal information and transfers it to its third-party partners.

The website contains links to third-party websites. Accessing them may result in a commission.

Please note that personal loans should not be treated as financial cure-it-all. If you have major budget difficulties, consult specialists first.

Responsible Lending

Upholding fair and responsible lending practices has been our mission since we started paydaybears.com. To keep our standards high and protect our customers, we provide all the users with relevant information about the industry and do the following:

We supply you with significant details about the current state of the loan industry, responsible lending and the consequences of non-payments or late payments;
We put them in a clear way;
We treat every customer with respect and are proud to establish a transparent relationship with our users;
We do our best to provide a high-quality service and support;
We demand from our partners to abide by Fair Lending practices.

Lending Partners

We work only with those lenders who abide by the law and are legally authorized to lend money to consumers. We take every effort to build a network of only reliable partners to ensure that you, our customer, get the services of high quality and risk nothing.

Once you are connected with a financial provider, please check details on that lender so you can ask them questions if any occur.

It’s important to remember that every lender has their own terms and conditions. Interest rates, repayments, late payments, missed payments, and loan renewals vary by lender. To know what to expect, contact your financial provider.

Impact on Credit Score

Information on your financial background is translated into a three-digit score that serves to express your creditworthiness and predict how likely you are to handle the debt in the future. The higher your score, the more chances you have to be approved for a loan with better terms. Things that may negatively affect your credit score are listed below:

late payments;
missed payments;
hard credit check;
loan renewal;

However, if your credit is less than perfect you still can get a loan.

Late Payments

We strongly recommend that you have a responsible attitude to borrowing and take a loan only when you can afford it. It is important to understand the consequences of making late payments. If you make a late payment, you’ll have to pay a fee. We do not possess information on the amount of penalty. It only becomes available when a financial provider reaches you to finalize the loan process.

Always review all the documentation before signing the loan agreement to understand any potential fees that may result from late payment.

If you feel that you can’t repay on time, get in touch with your lender as soon as possible and warn them about your situation.

Please remember that a personal loan is a short-time solution and should not be seen as a tool to cope with major financial struggles.

Missing a Payment

We encourage borrowers to pay off their debt on time. Missing a payment may result in additional fees and collection activities which may negatively affect your credit score. Each lender has their own policy regarding missed payments. We recommend that you thoroughly peruse your loan agreement as it contains all the significant information about the lender’s policy towards missed payments.

If you aren’t able to repay the loan on the due date, please contact your provider in advance to settle the issue.

Rollovers

Some financial providers offer the opportunity to roll your debt over if you are unable to repay on the due date. Note that renewing a loan is not free: you have to pay a fee to delay the repayment. The fee does not reduce the amount you owe and the rollover payments have the same interest rate as the missed payment.

Types of Renewal Policies

We work with a considerable number of lenders, and each of them has their own renewal policy. Typically, they offer two types of renewals:

Unlimited renewals. They allow you to renew your debt on numerous occasions and are very expensive decisions.
Automatic and borrower-initiated renewals. They allow you to renew your debt but on a limited basis.

Collection

In extreme cases when you have a delinquent payment and are reluctant to contact your lender to discuss the issue, they can resort to collection activities. Typically, they inform you about the intention to begin the collection procedure by phone, mail or email. If you still avoid communication, your lender may turn to a collection agency.

The collection practices of a particular lender are stated in the loan agreement. We encourage borrowers to read it carefully to be aware of the lender’s policy regarding the collection practices. For more information, please get in touch with your lender.

Do Not Sell My Personal Information

Introduction. You are visiting a website owned and operated by paydaybears. paydaybears and its subsidiaries (collectively, “paydaybears”, “us”, “we”, or “our”) are committed to maintaining your confidence and trust as it relates to the privacy and usage of your information. Please read the following information carefully as it details how we collect, protect, share, and use your information. This Privacy Policy applies to paydaybears and all websites owned and operated by paydaybears on which this Privacy Policy is displayed (referred here after as Website(s) or Site(s), whether individually or collectively) as well as paydaybears affiliates. This Agreement also applies to your use of any goods, facilities or services offered through the Websites (collectively “Services”), regardless of how they are accessed. If you do not agree with our Privacy Policy and practices regarding how paydaybears handles your personal information, you should not use our Website. Accessing or using this Website signifies and confirms your acceptance of the terms set forth in this Privacy Policy. This Privacy Policy may change from time to time in our sole discretion. Accordingly, you should visit this Website and review the Privacy Policy periodically to determine if any changes have been made. The date on which this Privacy Policy was last updated will be noted immediately above this Privacy Policy.
Information We Collect.Personally Identifiable Information. In the course of using this Website, we collect information that could identify you such as your name, email address, mailing address, phone number, social security number, driver’s license number, bank information, employment history, information related to your income, and credit. Other Information. We also collect other information that is not used to identify you, including, but not limited to, browser type, internet protocol (IP) address, device type, date and time stamp of visit, demographic data, and data about your online activity. We use cookies or similar technology to collect such information for advertising and other purposes.
How We Collect Information.Information Provided by You. We collect personal information that you voluntarily provide when you enter it or otherwise provide it in connection with an inquiry into our Services. This information could be provided via an online phone, over the phone, electronic communication, or via other means in which you interact with our Services. Information from Service Providers. Information may be collected from third-party service providers, such as credit bureaus and service providers who may have data on your financial profile, home, or other demographic information. Information from Cookies and Other Tracking Technologies. We use cookies, web beacons, and similar technologies to record your preferences, track the use of our Website and collect information. This information may include IP addresses, browser type, internet service provider (ISP), referring pages, operating system, date and time stamp of visit, and/or click data.
How We Use Your Information. We use the information that we collect about you through your interaction with this Website as well as information that you voluntarily provide to us. We may use collected information to (i) deliver the products and services you requested, (ii) personalize your user experience; (iii) communicate with you about products or services that may be of interest to you; (iv) to communicate with you via mail, email, telephone, text message/SMS, or otherwise even if your number appears on a do-not-call list or other similar registry; (v) to provide to third-party lenders or financial institutions for the purpose of determining eligibility for specific products (vi) for business purposes, such as analytics, research, advertising and marketing, and operational purposes; (vii) improve our Website; (viii) improve customer service; (ix) to comply with law enforcement and maintain the security of our Website; and (x) to perform any other functions otherwise disclosed when you provide us with your information.
How Do We Share Your Information.Consent to Receive Communication. By voluntarily providing and submitting your information on our form or otherwise using our website, you opt-in to receive communications (i) from us; (ii) one of our third-party lenders that we partner with; and (iii) third parties that provide services on our behalf, such as website hosting partners, text message/SMS service providers, email marketing service providers, direct mail service providers or other parties who assist us in operating our Website, conducting our business, or serving our users. Consent to Share Your Information. In submitting an inquiry or using the services provided through our Website, you agree that paydaybears may share your information about you or provided by you with lenders and other third parties which provide services to our users (collectively, Network Partners”) to deliver the products and services you requested. These Network Partners include third-party lenders or financial institutions, and non-lenders or intermediary service providers that we partner with to help connect you with a lender or financial institution in their network. Other Situations We Share Your Information. We may also be required to share your information (i) pursuant to a subpoena, court order, legal process, and/or government or regulatory request, (ii) when we believe disclosure is appropriate in order to investigate, prevent, or take action regarding actual or suspected illegal activity or other wrongdoing, to protect and defend the rights, property, or safety of our Business, our users, or our employees, or to enforce our Website’s terms and conditions or other agreements of policies; (iii) as part of a sale, merger or acquisition, or other transfer of all or part of our assets including as part of a bankruptcy proceeding; (vi) with third parties that is not personally identifying, such as aggregated or anonymized data, in our discretion, where not prohibited by law.
Advertising and Analytics. We may partner with advertiser networks and other advertiser service providers (collectively, “Advertising Providers”) that serve ads on our behalf and others on non-affiliated platforms. Some of those ads may be personalized, meaning that they are intended to be relevant to you based on information Advertising Providers collect about your use of our website and other sites or apps over time, including information about relationships among different browsers and devices. We may also work with third parties that collect information about your use of our website and other websites over time for non-advertising purposes. We use Google Analytics and other third-party services to improve the performance of the Website and for analytics and marketing purposes.
How We Protect Your Information. By accessing and navigating through this Website, you hereby acknowledge and agree that paydaybears may retain your information indefinitely. Please note that any transmission of personal information is at your own risk. Our Commitment to Online Security. We use generally accepted industry standards to protect the security of your personal information and encrypt sensitive. Although we strive to provide accepted industry standard security measures for your personal information that we process and maintain, we cannot guarantee the security of your personal information transmitted to and through this Website. No Liability for Acts of Third Parties. We will exercise all reasonable efforts to safeguard the confidentiality of your personal information. However, transmissions protected by generally accepted industry standard security technology and implemented by human beings cannot be made absolutely secure. Consequently, paydaybears shall not be liable for unauthorized disclosure of personal information due to no fault of paydaybears including, but not limited to, errors in transmission and unauthorized acts of third parties.
Third-Party Links. This Website may contain links to third-party websites, which may have independent privacy policies that differ from our own. We are not responsible, nor do we endorse, any of the activities and practices that take place on third-party websites. Accordingly, we recommend that you review the privacy policy posted on any third-party website thoroughly before disclosing any personal information.
Consent to Communicate. When you submit your personal information on this Website, you are providing your express consent to be contacted via email, telephone, postal mail or text message/SMS communication. If you wish to opt-out from us sharing your information for marketing communications, please submit your request here. You may also exercise your opt-out request through email at: [email protected].
Modifications or Amendments. From time to time, we may change this Privacy Policy to accommodate new technologies, industry practices, regulatory requirements or for other purposes. We will provide notice to you if these changes are material on this Website, and where required by applicable law, we will obtain your consent. For your information, the date this Policy was last updated is listed at the top of this page. Your continued use of this Website after any such changes have been made signifies and confirms your acceptance of any changes or amendments to this Privacy Policy.
Children Under the Age of 18. This Website is not intended for children under eighteen (18) years of age. No one under 18 years of age may access or provide any information on this Website. We do not knowingly collect personal information from children under 18 years of age.
Your Rights Under the CCPA.General Information. If you are a California Resident, you are entitled to additional rights over your personal information under the California Consumer Privacy Act of 2018 (CCPA) and certain other privacy and data protection laws. This section summaries the categories of information we collect about you, why the information is collected, who we share your information with, and for what reason that information is shared.A)Category of InformationIdentifiers ExamplesName, internet protocol address, email address, or other similar identifiers Source of InformationConsumer, third-party data providers, marketing partners, and advertising partners Purpose of CollectionFor us to provide services, market to you, analyze your use, conduct research, maintain security of our systems and operations, and to meet our legal compliance requirements Who Do We Share WithLenders, non-lenders or intermediary service providers, marketing partners, advertising partners, web analytics providers, service providers, vendors, customer support providers, data processing providers, law enforcement, government authorities, parties that legally compel us to share your informationB)Category of InformationPersonal information categories listed in the California Customer Records statute ExamplesName, signature, address, telephone number, driver’s license or state identification number, employment, social security number, bank account number Source of InformationConsumer and third-party data providers Purpose of CollectionFor us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain security of our systems and operations, and to meet our legal compliance requirements Who Do We Share WithLenders, non-lenders or intermediary service providers, marketing partners, advertising partners, service providers, customer support providers, data processing providers, law enforcement, government authorities, parties that legally compel us to share your informationC)Category of InformationProtected classification characteristics under California or federal law ExamplesAge, military status Source of InformationConsumer and third-party data providers Purpose of CollectionFor us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain security of our systems and operations, and to meet our legal compliance requirements Who Do We Share WithLenders, non-lenders or intermediary service providers, marketing partners, advertising partners, service providers, customer support providers, data processing providersD)Category of InformationCommercial information ExamplesProduct or service provider sites you choose to navigate to Source of InformationConsumer and third-party data providers Purpose of CollectionFor us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain security of our systems and operations Who Do We Share WithLenders, non-lenders or intermediary service providers, marketing partners, advertising partners, service providers, customer support providers, data processing providersE)Category of InformationBiometric data ExamplesKeystroke or other behavioral or biological characteristics Source of InformationN/A Purpose of CollectionN/A Who Do We Share WithN/AF)Category of InformationInternet or similar network activity ExamplesBrowsing history, search history, information on a consumer’s interaction with a website, application, or advertisement Source of InformationConsumer, web browsers, marketing partners, and advertising partners Purpose of CollectionFor us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain security of our systems and operations Who Do We Share WithMarketing partners, advertising partners, web analytics providers, security/anti-fraud providersG)Category of InformationGeolocation data ExamplesPhysical location or movements Source of InformationConsumer, web browsers, marketing partners, and advertising partners Purpose of CollectionFor us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain security of our systems and operations, and to meet our legal compliance requirements Who Do We Share WithMarketing partners, advertising partners, web analytics providers, security/anti-fraud providersH)Category of InformationSensory data ExamplesAudio, electronic, visual, or similar information Source of InformationN/A Purpose of CollectionN/A Who Do We Share WithN/AI)Category of InformationProfessional or employment-related information ExamplesCurrent employer, length of employment Source of InformationConsumer and third-party data providers Purpose of CollectionFor us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain security of our systems and operations Who Do We Share WithLenders, non-lenders or intermediary service providers, marketing partners, advertising partners, service providers, customer support providers, data processing providersJ)Category of InformationInferences drawn from other personal information ExamplesProfile reflecting a person’s preferences, characteristics, trends, behavior, and abilities Source of InformationThird-party data providers, marketing partners, and advertising partners Purpose of CollectionFor us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain security of our systems and operations Who Do We Share WithData processing providers, web analytics providers, and security/anti-fraud providersRight to Know. As a California resident, you have the right to know (i) the categories of personal information we collected about you in the preceding 12 months; (ii) the sources from which the personal information was collected; (iii) the business or commercial purpose for which it collected or sold the personal information; and (iv) the categories of third parties with which the business shares personal information. Additional Privacy Rights. You also have the right (i) to request that we tell you what specific information we have about you; (ii) to request that we delete your information; (iii) to opt-out of having your information sold; and (iv) for us not to discrimination against you for exercising these privacy rights. Please note that you may only make a CCPA-related request twice within a 12-month period. Right to Non-Discrimination. We will not discriminate against you for exercising any of your CCPA rights. Unless otherwise permitted by the CCPA, we will not (i) deny you goods or services; or (ii) provide you a different level or quality of good or service. Alternative Format of CCPA Notice. If you have a disability that prevents or limits your ability to access this CCPA Notice, please email us at [email protected] or call us at (800) 884-8086. We will work with you to provide this notice in an alternative format. Authorized Agent. California residents can empower an “authorized agent” to submit requests on their behalf. We will require the authorized agent to have a written authorization confirming that authority. How to Submit Your Request for Specific Information. You can request access to specific information we have about you by sending an email with the Subject Line “CCPA Right to Know” to [email protected]. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver’s license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the timeframe required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification. How to Exercise Your Right to Delete Information. You can request the categories of information we have on file or deletion of information available on our request form available at here. You may also submit this request by sending an email with the Subject Line “CCPA Right to Request or Delete Information” to [email protected]. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver’s license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the timeframe required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification. How to Exercise Your Right to Opt-Out of Sale of Your Information. Under the CCPA, if you are 16 years of age or older, you have the right to direct us not to sell your personal information at any time. You may submit your request through the URL provided below. You may also submit this request by sending an email with the Subject Line “CCPA Do Not Sell My Information” to [email protected]. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver’s license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the timeframe required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification. DO NOT SELL MY PERSONAL INFORMATION However, if you opt-out, please note that we will be unable to help you find a loan or other product or services that may be of interest to you through our Network Partners. In order to opt-in, please submit the completed form or resubmit your request, which lets us know that you want to sell your information to deliver the products and services you requested.
California Disclosures. California Law requires us to provide certain disclosures to users of this Website. Shine the Light Disclosure. Civil Code Section 1798.83 permits California residents that use this Website to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us at [email protected]. Please note that this section does not prohibit disclosure made for non-marketing purposes. Do Not Track Disclosures. Business and Professions Code Section 22575(b) requires websites to disclose their practices with respect to the use of tracking technology made by third parties and whether this Website honors web browser do-not-track signals. No third parties are able to collect personally identifiable information you provide on this Website. At this time, paydaybears does not respond to do-not-track browser settings or signals.
Contact Us If you have any further questions about this Privacy Policy or our practices, please contact us at [email protected] or at:

Our approach to marketing

Marketing practices are a vital part of business allowing it to grow, promote its services, and to stay in touch with the audience. They are carried out in several forms, such as the mailout of advertisements, newsletters, important notifications, news and other promotional materials. To deliver all these communications, we may use the following tools:

Email messages;
Letters sent by post;
Phone and cell phone calls;
SMS texts;
Messages in any other media you specified while signing up.

Please note that we have the right to share some of your information with our third-party partners. As a result, our partners may also send you their promotional materials using all the contacts you’ve provided us with.

As soon as you start using paydaybears.com, you acknowledge that you are aware of our marketing practices and that you agree to receive messages from us and our third-party partners.

If you feel overwhelmed with correspondence, you can always use the option to unsubscribe from us.

However, we need to state that we are not liable for the messages our partners may send you and that you need to reach out to them if you have any questions regarding their marketing practices. You will also have to contact them if you want to unsubscribe from them.

You acknowledge, agree, and authorize that paydaybears.com, it’s Network Partners, providers, or respective agents (collectively «we», «us», or «our») may obtain your credit report from one or more consumer reporting agencies, such as TransUnion, Experian, Equifax, or Clarity. You acknowledge that we may use the credit report for any purpose permitted by law, including:

To authenticate and verify your identity based on the information you provided;
To access your eligibility for credit and identify products and/or services you may qualify for;
To determine your current debt-to-income ratio; and
To obtain a credit score.

When you check your rates and review loan offers via paydaybears.com, we may perform a soft inquiry or hard inquiry on your credit report, which may impact your credit score.

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