Privacy Policy

This Privacy Policy explains how paydayloanstexarkana.com (“we,” “us,” or “our”) collects, uses, discloses, and protects information when you visit the website, submit a loan request, or communicate with us.

paydayloanstexarkana.com is not a lender. We do not make credit decisions, approve or fund loans, or determine loan amounts, rates, fees, or repayment terms. We provide a connecting service that allows consumers to submit a loan request for consideration by lenders or lending partners in a third-party network.

Information We May Collect

We may collect information that you voluntarily provide when submitting a loan request or contacting us, including:

• Name, residential address, email address, telephone number, and date of birth;
• Social Security number, driver’s license information, or other identity information;
• Employment status, employer details, income, pay frequency, and length of employment;
• Requested loan amount, loan purpose, housing information, military status, and self-reported credit information;
• Bank name, account type, routing number, account number, and direct-deposit status;
• Messages, form submissions, consent records, and communication preferences.

We may also automatically collect technical information, such as your IP address, browser type, device type, operating system, approximate location, referral source, pages viewed, interaction data, and cookie identifiers.

How We Collect Information

We may collect information directly from you, automatically through cookies and similar technologies, or from service providers, advertising partners, lead networks, and other third parties where permitted by law.

How We Use Information

We may use collected information to:

• Receive, process, and transmit your loan request;
• Provide access to lenders, lending partners, lead networks, and related service providers;
• Verify information and help prevent fraud or unauthorized activity;
• Operate, maintain, analyze, and improve the website;
• Respond to inquiries and provide customer support;
• Send communications where you have provided consent or where otherwise permitted by law;
• Maintain records of submissions, consent, disclosures, and privacy preferences;
• Comply with applicable legal, regulatory, and contractual obligations;
• Protect our rights and the rights of users and third parties.

How We Disclose Information

We may disclose personal information to lenders, lending partners, lead networks, aggregators, marketplaces, service providers, marketing partners, and other third parties involved in processing or responding to your loan request.

Third-party recipients may use your information to review your request, verify your identity, determine whether to present a loan offer, provide related financial products or services, prevent fraud, or perform services on our behalf.

We may also disclose information when required by law, legal process, regulatory request, or government authority, or when reasonably necessary to protect against fraud, security threats, unlawful activity, or harm to users or third parties.

Information may be transferred as part of a merger, acquisition, financing, restructuring, sale of assets, or similar business transaction.

We may receive compensation when information is provided to certain network participants. Depending on applicable state law, some disclosures may be considered a sale or sharing of personal information.

Lenders, lending partners, and other third parties maintain their own privacy practices and are responsible for their own actions, credit decisions, communications, products, and services. We are not responsible for the actions or inactions of any lender or other third party.

Sensitive Personal Information

Information submitted through a loan request may include sensitive personal information, such as a Social Security number, driver’s license information, financial account information, or precise identification details.

We may use or disclose sensitive personal information as reasonably necessary to provide the requested connecting service, transmit your request, verify identity, maintain security, prevent fraud, comply with law, or complete other permitted business purposes.

Credit and Identity Verification

Some lenders or lending partners may verify your identity, review information about your credit history, obtain a consumer report, or request additional information or documentation. Requirements vary by lender and individual circumstances.

We do not control whether a lender performs a credit check or how that lender evaluates your information.

Consent and Communications

By submitting your information, you confirm that you have read, understood, and agree to the Privacy Policy, Terms of Use, E-Consent, Responsible Lending, and Marketing Practices.

Where you provide the required consent, we or third parties that receive your information may contact you by telephone, text message, email, or other permitted method regarding your loan request or related products and services.

Consent to receive marketing communications is subject to the disclosure presented when your information is collected. You may follow the instructions included in a communication to withdraw from eligible future marketing messages.

Submitting a loan request does not guarantee approval, a loan offer, a particular loan amount, or funding.

Cookies and Similar Technologies

We and our service providers may use cookies, pixels, tags, scripts, and similar technologies to operate the website, remember preferences, maintain security, prevent fraud, analyze traffic, measure performance, record consent, and evaluate marketing activities.

Most browsers allow you to block or delete cookies. Restricting cookies may affect the operation or availability of certain website features.

Our response to browser-based privacy preference signals may depend on applicable law and the technical capabilities of the website.

Data Security

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

These safeguards may include encrypted transmission, access restrictions, secure data storage, monitoring, authentication controls, and contractual requirements for service providers.

No website, electronic transmission, or storage system is completely secure. We cannot guarantee that personal information will never be accessed, disclosed, altered, lost, or destroyed without authorization.

Data Retention

We retain personal information for as long as reasonably necessary to provide the requested service, maintain business and consent records, prevent fraud, resolve disputes, enforce agreements, and comply with legal or regulatory obligations.

Retention periods may vary based on the type of information, the purpose for which it was collected, and applicable legal requirements.

Your Privacy Rights

Depending on your state of residence and the law applicable to your information, you may have the right to:

• Request access to personal information maintained about you;
• Request correction of inaccurate personal information;
• Request deletion of certain personal information;
• Receive certain information in a portable format;
• Opt out of certain sales, sharing, targeted advertising, or profiling;
• Limit certain uses or disclosures of sensitive personal information;
• Appeal the denial of a privacy request;
• Exercise your privacy rights without unlawful discrimination.

These rights are subject to identity verification, legal exceptions, and limitations. Certain information processed in connection with financial products or services may be exempt from some state privacy laws.

To submit a privacy request, opt out of eligible future disclosures, or appeal a previous decision, email [email protected]. Include “Privacy Request,” “Opt-Out Request,” or “Privacy Appeal” in the subject line and provide enough information for us to identify the relevant records.

We may request additional information to verify your identity. An authorized agent may submit a request where permitted by law, but we may require evidence of authorization and direct confirmation from the consumer.

A privacy request or opt-out request may not prevent disclosures that are reasonably necessary to process a loan request already submitted, provide the requested service, prevent fraud, maintain security, comply with law, or complete other permitted business purposes.

Children’s Privacy

The website and connecting service are intended only for adults who are at least 18 years old. We do not knowingly collect personal information from children.

If we learn that personal information has been submitted by a person under 18, we will take reasonable steps to delete it. A parent or legal guardian may contact us at [email protected].

Third-Party Services

This Privacy Policy does not govern the privacy practices of lenders, lending partners, lead networks, service providers, advertisers, or other third parties. Review the privacy notices and terms provided by each third party before accepting an offer or providing additional information.

Service Availability

The connecting service is not available to residents of Arkansas, New York, Vermont, or West Virginia. Availability may also be limited by lender participation, state law, and other eligibility requirements.

Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in our services, information practices, technology, or legal obligations. The revised version will become effective when posted with an updated date, unless applicable law requires additional notice.

Important Loan Information

Nothing in this Privacy Policy constitutes a loan offer. Loan availability, approval, amounts, rates, fees, repayment terms, and funding times vary by lender, state, and individual circumstances.

Short-term loans are expensive financial products and should be used responsibly. Before accepting an offer, review the lender’s full terms and conditions, including the annual percentage rate, finance charges, repayment schedule, late-payment consequences, renewal policies, and possible impact on your credit.

Late or non-payment may result in additional fees, collection activity, and negative credit reporting.

Contact Information

For questions about this Privacy Policy, our information practices, or your privacy rights, contact us at [email protected].