Privacy Policy

paydayloanshouma.com (“we,” “our,” or “us”) provides this Privacy Policy to explain how we collect, use, disclose, and protect personal information when you visit our website or submit a loan request through our online connecting service.

paydayloanshouma.com is not a lender and does not make credit decisions, approve or deny loan requests, set loan terms, or fund loans. We provide a connecting service that may help users access lenders or lending partners in a network. Any loan offer, approval decision, loan amount, rate, fee, repayment term, credit check, funding timing, or documentation requirement is determined by the lender or lending partner.

How This Privacy Policy Applies

Information submitted in connection with a loan request may be considered nonpublic personal information under federal financial privacy laws, including the Gramm-Leach-Bliley Act. Credit-related information may also be subject to the Fair Credit Reporting Act when applicable and authorized by you.

Other information, such as website usage data, cookie data, analytics data, or advertising-related data that is not part of a financial-product request, may be subject to applicable state privacy laws.

Information We May Collect

The types of personal information we may collect depend on how you use the website and what information you choose to provide. This information may include:

• Identifiers and contact information, such as name, address, email address, telephone number, IP address, and similar identifiers.
• Loan request information, such as requested loan amount, income details, employment information, pay frequency, housing information, and other information related to your request.
• Sensitive identifiers, such as Social Security number, driver’s license information, date of birth, or similar information, if requested through the loan request process.
• Financial information, such as bank name, account type, routing number, account number, direct deposit status, or other banking details provided by you.
• Credit-related information that lenders, lending partners, or authorized service providers may use to evaluate your request, where permitted by law.
• Device and technical information, such as browser type, device type, operating system, referring URLs, pages viewed, cookies, session data, and similar technologies.
• Consent and communication records, such as form submissions, opt-out requests, email preferences, SMS preferences, and communications with us.

How We Collect Information

We may collect personal information directly from you when you visit our website, submit a loan request, provide consent to be contacted, communicate with us, or interact with cookies, analytics tools, or similar technologies.

We may also receive information from lenders, lending partners, networks, marketing partners, service providers, affiliates, consumer reporting agencies, or other third parties where permitted by law.

How We Use Information

We may use personal information to operate our website, provide our connecting service, process and route your loan request, verify identity, help prevent fraud, support website security, communicate with you, document consent, maintain records, improve website functionality, comply with legal obligations, and send communications where permitted by law.

How We Share Information

To provide our connecting service, we may share personal information with lenders, lending partners, loan networks, marketplaces, intermediaries, marketing partners, and service providers. These parties may use your information to review your loan request, contact you about financial products or services, verify information, prevent fraud, or comply with applicable law.

We may also share information with hosting providers, data processors, email and SMS delivery providers, fraud prevention vendors, analytics providers, compliance vendors, consumer reporting agencies or facilitators, and legal or regulatory parties when required or permitted by law.

Lenders and lending partners may perform credit checks, verify your information, or request additional documentation. Requirements vary by lender and by your individual circumstances.

Federal Financial Privacy Notice

Federal law allows financial companies and service providers to share certain personal information for everyday business purposes, such as processing transactions, maintaining records, responding to legal requests, preventing fraud, and administering requested services.

When you submit a loan request, you direct us to share your information with lenders, lending partners, networks, and related service providers so they may review your request and contact you about loan options or related financial products. You may not be able to limit sharing that is necessary to process, route, evaluate, administer, or complete your current request.

You may contact us to limit certain future sharing with nonaffiliated third parties for their own marketing purposes, where applicable. To make a privacy or sharing request, contact us at [email protected].

Your Consent

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.

You also authorize paydayloanshouma.com, lenders, lending partners, networks, marketing partners, and service providers to contact you as described in the consent language shown near the loan request form. Message and data rates may apply. Consent is not a condition of purchasing goods or services.

State Privacy Rights

Depending on your state of residence and the type of information involved, you may have the right to request access to personal information, correction of inaccurate information, deletion of personal information, portability of personal information, limitation of certain sensitive information uses, opt-out of certain sales or sharing, and appeal of a denied privacy request.

Some state privacy rights may not apply to information governed by federal financial privacy laws, credit reporting laws, or other applicable exemptions. We will respond to privacy requests as required by applicable law.

To exercise a privacy right, contact us at [email protected]. We may ask for information reasonably necessary to verify your identity and process your request.

Sale or Sharing of Personal Information

Where applicable state law defines certain disclosures as a “sale” or “sharing,” you may have the right to opt out. Opt-out rights may not apply to information shared to process, route, evaluate, administer, or complete your loan request, or to information regulated by federal financial privacy laws or credit reporting laws.

To submit an opt-out request, contact us at [email protected].

Cookies and Tracking Technologies

We may use cookies, pixels, tags, analytics tools, and similar technologies to operate the website, remember user preferences, measure traffic, improve performance, prevent fraud, document consent, and support marketing activities where permitted by law.

You can usually set your browser to block or delete cookies. Some website features may not work properly if cookies are disabled.

Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

Data Retention

We retain personal information for as long as reasonably necessary to provide our services, process requests, comply with legal obligations, resolve disputes, enforce agreements, prevent fraud, and maintain business records. Retention periods may vary depending on the type of information and applicable legal requirements.

Children’s Privacy

Our website and services are intended for users who are at least 18 years old. We do not knowingly collect personal information from children under 16. If we learn that we have collected information from a child under 16, we will take reasonable steps to delete it.

Service Availability

Our connecting service is not available to residents of Arkansas, New York, Vermont, or West Virginia. Loan availability, amounts, rates, fees, repayment terms, approval, and funding times vary by lender and by state.

Responsible Borrowing Notice

Short-term loans can be expensive and should be used responsibly. Before accepting any loan offer from a lender, review the lender’s full terms and conditions, including rates, fees, repayment terms, late-payment policies, renewal policies, and potential credit score impact. Late or non-payment may result in additional fees, collection activity, and negative impact on your credit score.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be posted with a revised “Last Updated” date. Your continued use of the website after changes are posted means you accept the updated policy.

Contact Us

If you have questions about this Privacy Policy or wish to submit a privacy request, contact us at [email protected].