Last updated: August 2026
We at Payday Money Centers take the privacy of our customers seriously and the policies outlined below describe how we use and secure their personal information.
Consumer Privacy Notice
This Federal Consumer Privacy Notice explains how we collect, use, and disclose personal information covered by the Federal Gramm-Leach-Bliley Act (“GLBA”). Further, it describes how we collect and share information with affiliates and nonaffiliates and what type of sharing consumers may opt-out of.
Text Messaging Privacy Policy
At Payday Money Centers, we respect your privacy and are committed to protecting your personal information. This Text Messaging Privacy Policy explains how we collect, use, store, and protect information obtained through our SMS and text messaging communications.
Information We Collect. When you opt in to receive text messages from us, we may collect your mobile phone number, your name (if provided), message content and responses, communication preferences, and information related to your interactions with our text messaging services
How We Use Your Information. We may use your information to send appointment reminders, notifications, to provide customer service and support, and respond to inquiries. We may also send promotional offers, marketing messages, and company updates (where consent has been provided), and may use your information to improve our products, services, and customer experience. We may also use your information to comply with legal obligations.
Information Sharing. We do not sell, rent, or share your mobile phone number or SMS opt-in information with third parties for their marketing purposes. We may share information with trusted service providers who help us operate our text messaging program, provided they maintain appropriate confidentiality and security safeguards. We may also disclose information when required by law, regulation, court order, or governmental request.
Data Security. We implement reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, use, disclosure, or loss. However, no method of transmission or electronic storage is completely secure, and we cannot guarantee absolute security.
Data Retention. We retain information collected through our text messaging program only for as long as necessary to fulfill the purposes described in this policy, to comply with legal requirements, resolve disputes, and to enforce our agreements.
Changes to This Policy. We may update this Text Messaging Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date.
Online Privacy Policy
Payday Money Centers (“us”, “we” or “ours”) is committed to respecting and protecting customer privacy. The Online Privacy Policy (“Privacy Policy”) explains what information we may collect about you when you use Payday Money Centers websites and mobile applications (collectively, “Sites”) or the products or services offered through the Sites (“Services”) and how we use and protect that information. Please read the Privacy Policy carefully. By using the Sites or the Services, you consent to the collection and use of your personal information as described in the Privacy Policy. If you do not agree with the terms of the Privacy Policy, please do not use the Sites or Services.
The Sites are controlled, operated, and administered by Payday Money Centers or its service providers from offices within the United States. If you are accessing the Sites from a location outside the United States, you acknowledge and consent to the collection, storage, processing, and transfer of your personal information to our facilities in the United States and to those third-parties with whom we share it as described in this Privacy Policy.
We use your Personal Information for providing and improving the Services. By using the Services, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible at www.paydaymoneycenters.com
Information We Collect
Information You Provide. We collect the personal information you provide us along with data from other sources when you visit or use our Sites for purposes such as researching or applying for Payday Money Centers’ Services, responding to surveys, or managing the Services you already have. Personal information is any information that we can use to identify, locate, or contact you. It also includes information that may be associated with your personal information, such as your financial history. The types of personal information we may collect include name, address, email address, phone number, date of birth, Social Security number, or other identifying information such as fingerprints or other biometrics.
Information About Your Transactions. We collect Personal Information about your transactions with us and others, as well as other information associated with your transactions such as amount received, amount paid for Services, account balance, merchant information, Device Information and Log Information.
Information from Third Parties. We also collect Personal Information about you from other companies and governmental agencies. For instance, we may receive Personal Information about you from affiliates, consumer reporting agencies, product marketing companies, transaction data providers and other third parties (such as those that assist with fraud prevention and AML compliance).
By way of example, Payday Money Centers works with Decision Logic to help you connect your external bank accounts to our Services and to retrieve transaction and balance information for these accounts. To provide this service and to help create a secure connection to your external bank accounts, you consent to let Decision Logic collect and use your financial institution login information and access your account(s). The personal information we and Decision Logic may include your bank account number and bank routing number; other financial account numbers; your name, address, phone number and email address; and account transaction history and balances. We use this information as described in the “How we use information” section and in accordance with any specific disclosures given to you when you connect your bank account through Decision Logic.
Information Automatically Obtained. We or our third-party service providers may use a variety of technologies – including cookies and web beacons – that automatically (or passively) store or collect certain information whenever you visit or use our Sites. This information may include Personal Information as well as statistical information that does not identify you (“Analytics”). Some Analytics may be correlated with Personal Information. When Analytics are, directly or indirectly, associated or combined with Personal Information, such Analytics will be considered Personal Information for purposes of this Privacy Policy.
Information that we automatically collect with your use of our Sites may include device information (such as hardware model, device ID, mobile network information, and mobile phone number). We may record or log your Internet Protocol (“IP”) address, your device event information, location preferences, transaction date and time stamps, and other interactions with our Sites.
How We Use Information
We may use personal information that we collect in the following ways:
- To provide you with Services and to fulfill our contractual obligations to you;
- To process your online credit application;
- To communicate with you about the Sites or Services, such as to send you account updates or other communications regarding your account or to inform you of any changes to the Sites or Services;
- To send you information about promotions or other marketing material;
- Allow participation in surveys, sweepstakes, contests and other promotions;
- For specific purposes for which you provide consent;
- To provide you support or other services you request, for example technical support or to answer questions about the Sites;
- To comply with and enforce our legal and regulatory obligations, relevant industry standards, contractual obligations, and our policies;
- To detect, investigate, or prevent fraud or other activity that may be illegal, violate our policies, cause harm to our operations, or compromise our security;
- To maintain and improve the Sites and Services and improve user experience; and
- For any other legitimate business purpose.
Cookies
Cookies are files with a small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a website and transferred to your device. We use cookies to collect information in order to improve our Services for you.
You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. The Help feature on most browsers provides information on how to accept cookies, disable cookies or to notify you when receiving a new cookie. If you do not accept cookies, you may not be able to use some features of our Sites and we recommend that you leave them turned on.
DoubleClick Cookie
Google, as a third-party vendor, uses cookies to serve ads on our Sites. Google’s use of the DoubleClick cookie enables it and its partners to serve ads to our users based on their visit to our Sites or other web sites on the Internet.
You may opt out of the use of the DoubleClick Cookie for interest-based advertising by visiting the Google Ads Settings web page: http://www.google.com/ads/preferences/
Do Not Track Disclosure
We support Do Not Track (“DNT”). Do Not Track is a preference you can set in your web browser to inform websites that you do not want to be tracked. You can enable or disable Do Not Track by visiting the Preferences or Settings page of your web browser.
Service Providers
We may employ third party companies and individuals to facilitate our Sites, to provide the Services on our behalf, to perform Sites-related services and/or to assist us in analyzing how our Sites are used.
These third parties have access to your Personal Information only to perform specific tasks on our behalf and are obligated not to disclose or use your information for any other purpose.
Communications
We may use your Personal Information to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or instructions provided in any email we send.
Compliance With Laws
We will disclose your Personal Information where required to do so by law or subpoena or if we believe that such action is necessary to comply with the law and the reasonable requests of law enforcement or to protect the security or integrity of our Sites and Services.
Security
The security of your Personal Information is important to us, and we strive to maintain reasonable physical, electronic, and procedural safeguards designed to protect against loss or unauthorized access, disclosure, alteration, or destruction of the information you provide on the Sites.
However, no method of transmission over the internet or electronic storage technology is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. The security of your information also depends on the security of the electronic devices and internet service provider network that you use to access the Sites. We are not responsible for the security of your information accessed on those devices or networks.
Links To Other Sites
Our Sites may contain links to other sites that are not operated by us. If you click on a third-party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.
Children’s Privacy
Only persons age 18 or older have permission to access our Sites. Our Sites are note intended for use by children under the age of 13 years. Please contact us if you believe we may have unknowingly collected information about a child under 13 and will take immediate steps to delete any such personal information.
Changes To This Privacy Policy
We may modify this Privacy Policy at any time. If we do, we will post revised versions on this page. You should periodically check here for the most up-to-date version of this policy. Your continued use of the Sites after we post any modifications to the Privacy Policy on this page will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy.