Privacy Policy

Last Updated: December 18, 2025

At HybridPaydayLoans, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services.

1. Information We Collect

Personal Information

We collect personal information that you voluntarily provide to us when you:

• Apply for a loan through our platform
• Create an account
• Contact our customer support
• Subscribe to our newsletter

This information may include:

• Full name and contact details (email, phone number, address)
• Social Security Number or other government-issued identification
• Employment and income information
• Bank account information
• Credit history and financial data

Automatically Collected Information

When you visit our website, we automatically collect certain information about your device, including:

• IP address and browser type
• Operating system and device information
• Pages visited and time spent on our site
• Referring website addresses
• Clickstream data

2. How We Use Your Information

We use the information we collect to:

• Process and evaluate your loan application
• Verify your identity and prevent fraud
• Communicate with you about your application and account
• Comply with legal obligations and regulatory requirements
• Improve our services and website functionality
• Send you marketing communications (with your consent)
• Analyze usage patterns and optimize user experience

3. Information Sharing and Disclosure

We may share your information with:

Service Providers

We work with third-party service providers who assist us in operating our business, including:

• Payment processors and financial institutions
• Credit reporting agencies
• Identity verification services
• Cloud hosting providers
• Marketing and analytics partners

Legal Requirements

We may disclose your information when required by law or in response to:

• Court orders or legal processes
• Government or regulatory requests
• Protection of our rights and property
• Prevention of fraud or illegal activities

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

4. Data Security

We implement industry-standard security measures to protect your personal information, including:

• 256-bit SSL encryption for data transmission
• Secure server infrastructure with regular security audits
• Access controls and authentication protocols
• Employee training on data protection practices
• Regular monitoring for unauthorized access

However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security of your data.

5. Your Privacy Rights

Depending on your location, you may have the following rights:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal obligations)
• Opt-Out: Unsubscribe from marketing communications
• Data Portability: Request your data in a structured, machine-readable format
• Restriction: Request restriction of processing in certain circumstances

To exercise these rights, please contact us at privacy@hybridpaydayloans.com.

6. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your browsing experience and analyze website traffic. You can control cookie settings through your browser preferences, but disabling cookies may limit certain website functionality.

7. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it promptly.

8. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the updated policy.

10. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us:

• Email: privacy@hybridpaydayloans.com
• Mailing Address: HybridPaydayLoans, 123 Financial Plaza, Suite 500, New York, NY 10001

By using HybridPaydayLoans, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.