Last Updated and Effective: 18/02/2022
This Privacy Policy for California Residents supplements the information contained in Payday Ventures Privacy Policy and applies solely to all visitors, users, and others who reside in the State of California ("consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (CCPA) and any terms defined in the CCPA have the same meaning when used in this notice.
Introduction
Payday Ventures is a which connects consumers with a marketplace of third party lenders, financial service providers and debt relief providers. To assist us in providing our service, we collect and process your information. We work extremely hard to be good stewards of your information at all times.
This notice is here to help you understand what information we collect, why we collect it, and how you can update, manage, export, and delete it.
Information We Collect
Personal information you provide to us. Personal information you may provide to us when you use the service such as:
Other sources. As part of our service we may receive information from the Partners we connect you with including, but not limited to status of product acceptance and funding, and loan terms offered and obtained (such as APR, repayment amount, loan amount). As part of our service we may also receive information from Transunion when we perform a soft credit check including but not limited to your credit score and profile. We may combine personal information we receive from you with information we obtain from other sources, such as:
Automatic Collection. We, our service providers and our third party partners may automatically capture information about you, your computer or mobile device, and your activity over time on the service and other online services, including:
Cookies and Similar Technologies. To assist the services in collecting and storing Non-Personal Information, we may employ a variety of technologies, including “Cookies,” local browser storage and “Web Beacons”:
How We Use Your Personal Information
We may use, sell, or disclose the personal information we collect for one or more of the following business purposes listed below.
Service delivery We may use your personal information to:
Research and development. We may use your personal information for research and development purposes, including to perform research and analysis aimed at improving our products and services. We make personal information into anonymous data by removing information that makes the data personally identifiable in order to share it with third parties for our lawful business purposes, including to analyze and improve the service and promote our business.
Marketing and advertising. With your consent, we and our third party advertising partners and business partners may use your personal information for marketing and advertising purposes:
Compliance and protection. We may use your personal information to:
For other purposes. We may also use your personal information for other purposes described in this Privacy Policy or at the time we collect the information, as permissible by law. Payday Ventures will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
How We Share Your Personal Information
Payday Ventures may share your personal information with the following parties and as otherwise described in this Privacy Policy or at the time of collection.
Your Choices
Your Rights as a California Resident
As a California resident, you have the rights listed below. These rights are not absolute and subject to certain exceptions; we may decline your request in certain cases as permitted by law.
If you have requested to remove your information from our database or opt-out of the sale of your information, these requests will only apply to the information received by Payday Ventures prior to the request being made. If, at a later date, you request the use of our products or services again, any new or additional submission of your information will be considered newly provided information. Therefore, a new deletion or opt out request will need to be submitted for the newly provided information. Any future deletion or information requests will only include information obtained since the previous request.
How to exercise your rights. You may exercise your California privacy rights described above as follows:
We reserve the right to confirm your identity and California residency status to process your requests to exercise your information, access or deletion rights. As part of this process, government identification may be required.
Personal information that we collect, use and share.
The chart below summarizes how we collect, use and share Personal Information by reference to the categories specified in the CCPA, and describes our practices during the 12 months preceding the effective date of this Privacy Policy.
Categories in the chart refer to the categories described above in the general section of this Privacy Policy. If a category of information is not listed within the chart (such as Biometric Information or Inferences) then those categories of information are not collected by Payday Ventures.
Category of personal information (PI) (definitions here) |
PI we collect |
Source of PI |
Business purpose for collection |
Categories of third parties to whom we may “disclose” PI for a business purpose |
Categories of third parties to whom we “sell” PI |
---|---|---|---|---|---|
Identifiers |
Contact data Identity data
|
You Data providers Business Partners
|
Service delivery Marketing and advertising Compliance and protection
|
Advertising partners Authorities Business partners Parent or Subsidiary Organizations Professional advisors Service providers
|
Business partners |
Commercial Information |
Credit information and loan data Property data Online activity data
|
You Data providers Business Partners Automatic collection
|
Service delivery Research and development Marketing and advertising Compliance and protection
|
Affiliates Authorities Business Partners Internet Cookie Data Recipients Parent or Subsidiary Organizations Service Providers
|
Business partners |
Financial Information |
Credit information, Bank account information Loan data
|
You Data providers Business Partners
|
Service delivery Research and development Marketing Compliance and Operations
|
Authorities Parent or Subsidiary Organizations Partners Professional advisors Service providers
|
Business partners |
Online Identifiers |
Contact data Device data Online activity data
|
You Automatic Collection Business Partners
|
Service delivery Research and development Marketing and advertising Compliance and protection
|
Advertising partners Authorities Business partners Business transferees Parent or Subsidiary Organizations Professional advisors Service providers
|
Business partners |
Internet or Network Information |
Device data Online activity data
|
Automatic collection |
Service delivery Research and development Marketing and advertising Compliance and protection
|
Parent or Subsidiary Organizations |
None |
Professional or Employment Information |
Employment data |
You |
Service delivery Research and development Compliance and protection
|
Authorities Business partners Parent or Subsidiary Organizations Professional advisors
|
Business partners |
Protected Classification Characteristics |
Eligibility data Identity Data
|
You Data providers Business Partners
|
Service delivery Compliance and protection
|
Authorities Business partners Parent or Subsidiary Organizations Professional advisors Service providers
|
Business partners |
Education Information |
Education data (highest level of education) |
You |
Service delivery Research and development Compliance and protection
|
Authorities Business partners Parent or Subsidiary Organizations Professional advisors
|
Business partners |
Other California Privacy Rights
California’s “Shine the Light” law (Civil Code Section § 1798.83) permits users of our Website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to compliance@paydayventures.com or write to us at: 86-90 Paul Street, London, EC2A 4NE, London, United Kingdom
Changes to Our Privacy Notice
Payday Ventures reserves the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will post the updated notice on the Website and update the notice’s effective date. Your continued use of our Website following the posting of changes constitutes your acceptance of such changes.
Alternative Format of Privacy Notice for California Residents
If you have a disability that prevents or limits your ability to access this CCPA Notice, please email us at Compliance@PaydayVentures.com. We will work with you to provide this notice in an alternative format.
Contact Information
If you have any questions or comments about this notice, the ways in which Payday Ventures collects and uses your information described below [and in the Privacy Policy], your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:
Website: https://paydayventures.com/
Email: compliance@paydayventures.com
Postal Address: 86-90 Paul Street, London, EC2A 4NE, London, United Kingdom
Attn: Payday Ventures Compliance Dept.
86-90 Paul Street, London, EC2A 4NE, London, United Kingdom
Phone: (+44) 02085519172