Privacy Policy

Effective Date: 06.25.2025

Your Privacy, Our Priority

At CASH ADVANCE BY LIBERTY, INC. ("Company", "we", "us", "our"), we operate PayDay Cash Advance by Liberty ("App") to connect users with potential lenders in a secure and transparent way. This Privacy Policy outlines how we collect, use, and protect your information when you interact with our platform.

By using PayDay Cash Advance by Liberty, you acknowledge and agree to the practices described below.

1. Our Services

PayDay Cash Advance by Liberty is a digital loan-matching platform — not a lender, broker, or financial institution. We do not issue loans, make credit decisions, or participate in loan transactions. Instead, we connect users like you with a network of third-party lenders who may offer loans with APR rates from 4.99% to 35% and repayment terms between 90 days and 24 months. You're always in control — there's no obligation to accept any offer.

Note: We do not operate in the state of New York due to regulatory restrictions.

Beyond matching, PayDay Cash Advance by Liberty includes financial wellness tools like:

  • A budget tracker to monitor your income and expenses by category,

  • A history log of cash advance requests with status updates,

  • And an AI-powered assistant ready to help with financial questions at any time.

2. Information We Collect

2.1 Information You Provide

  • Name, email address, phone number

  • Date of birth

  • Social Security Number (SSN)

  • Financial details (income, job status, banking info)

  • Loan preferences (amount, reason for loan)

2.2 Information We Collect Automatically

  • Device details: IP address, OS version, unique device ID

  • App settings and feature interactions

  • Usage metrics: time spent, click behavior

  • Cookies or similar technologies

2.3 Information from Analytics Tools

We work with third-party analytics providers to gather aggregated performance and behavior data. These tools help us enhance your experience and keep PayDay Cash Advance by Liberty secure and efficient.

3. How We Use Your Data

We may use your data to:

  • Match you with relevant lenders

  • Verify your identity

  • Customize the App experience

  • Operate and improve our services

  • Send updates about your loan request or platform features

  • Ensure compliance with security and legal requirements

  • Prevent fraud or misuse

We do not use your information to make loan decisions or sell your personal data to unrelated third parties.

4. When We Share Information

We may share limited data with:

  • Lender Partners: To facilitate the loan-matching process

  • Service Providers: For analytics, app support, and customer service

  • Legal Authorities: When required by law or to protect our users and platform

All shared data is limited to what’s necessary for its purpose and complies with relevant privacy laws.

5. Data Security & Retention

We implement standard industry safeguards to protect your data from unauthorized access or disclosure. While no system is 100% secure, we continuously update our protections.

We retain your data only as long as needed for the purposes outlined here or as required by law. You can request deletion of your data at any time (see Section 6).

6. Your Rights

Depending on your location, you may have rights such as:

  • Access & Correction: Review or update your personal information

  • Data Deletion: Request full removal of your personal data

  • Opt-Out: Choose not to receive promotional messages

To exercise these rights, contact us at the email below.

7. Legal Compliance

PayDay Cash Advance by Liberty complies with all relevant privacy regulations, including:

  • California Consumer Privacy Act (CCPA)

  • General Data Protection Regulation (GDPR) for EU users

  • Other applicable U.S. state laws

8. Updates to This Policy

This Privacy Policy may change over time. When it does, we’ll update the "Effective Date" and provide notice if the changes are significant. Continued use of the App after an update means you accept the revised terms.

9. Contact Us

For any questions or requests regarding your privacy:

CASH ADVANCE BY LIBERTY, INC.
101 Fraley Miller Plz Ste 102 Grayson, KY, 41143-1561
support@thefinancegeek.com
(502) 555-1984