Privacy Policy

This Privacy Policy explains how paydayloans-boise.com (“we,” “us,” or “our”) may collect, use, share, retain, and protect personal information when you visit our website, submit a loan request, or communicate with us. paydayloans-boise.com is not a lender, does not make credit decisions, does not set loan terms, and does not fund loans. We provide a connecting service that may help users access lenders or lending partners in a network.

How This Policy Applies

Information submitted in connection with a loan request may be treated as nonpublic personal information under federal financial privacy laws, including the Gramm-Leach-Bliley Act and, where applicable, the Fair Credit Reporting Act. Other website information, such as cookies, analytics data, and general site interaction data, may be subject to applicable state privacy laws.

Information We May Collect

We may collect personal information that you provide directly, information collected automatically when you use the website, and information received from service providers or other third parties where permitted by law.

The information we may collect can include your name, address, email address, phone number, date of birth, Social Security number, driver’s license information, employment information, income information, bank account information, routing number, requested loan amount, housing information, consent records, communications, IP address, browser type, device type, pages viewed, referral source, cookies, and similar technical data.

How We Use Information

We may use personal information to receive and process your loan request, transmit your request to lenders or lending partners in a network, verify identity, help prevent fraud, maintain website security, communicate with you, maintain consent and compliance records, improve website performance, provide customer support, send marketing communications where permitted, and comply with applicable laws and regulations.

Loan Request 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 understand that a lender or lending partner may review your information and decide whether to offer you a loan. Approval is not guaranteed. Loan availability, loan amounts, rates, fees, repayment terms, credit checks, funding timing, and additional requirements vary by lender, by state, and by your individual circumstances.

How We Share Information

We may share personal information with lenders, lending partners, loan networks, service providers, verification providers, fraud prevention providers, marketing partners, analytics providers, communication providers, legal or compliance parties, and other third parties where permitted by law or with your consent.

We may share information for everyday business purposes, including processing your loan request, verifying identity, preventing fraud, transmitting information to lenders or lending partners, maintaining records, complying with law, and operating the website. We are not responsible for the actions or inactions of any lender, lending partner, service provider, or third party.

GLBA Sharing Choices

Federal financial privacy laws allow consumers to limit some, but not all, sharing of nonpublic personal information. You may request to limit certain sharing with nonaffiliated third parties for their own marketing purposes by contacting us at [email protected] with the subject line “GLBA Opt-Out.” Please include the name, email address, and phone number used in your loan request.

An opt-out request does not prevent disclosures needed to process, administer, evaluate, or complete your current request, prevent fraud, comply with law, or work with service providers acting on our behalf.

State Privacy Rights

Depending on your state of residence and applicable law, you may have rights to request access to, correction of, deletion of, or portability of your personal information. You may also have the right to opt out of certain sales, sharing, targeted advertising, or profiling, and to limit certain uses of sensitive personal information.

To exercise a privacy right, contact us at [email protected]. We may need to verify your identity before processing your request. We will not discriminate against you for exercising privacy rights available under applicable law.

Sensitive Personal Information

We may use sensitive personal information only as reasonably necessary to provide the requested service, process your loan request, verify identity, help prevent fraud, maintain security, comply with law, or as otherwise permitted with your consent. We do not use sensitive personal information to infer characteristics about you.

Cookies and Tracking Technologies

We may use cookies, pixels, analytics tools, and similar technologies to operate the website, remember preferences, analyze traffic, improve user experience, measure marketing performance, help prevent fraud, and maintain security. You may be able to manage cookies through your browser settings. Blocking cookies may affect how the website functions.

Marketing Communications

If you provide consent, we or our partners may contact you by phone, text message, email, or other methods about loan options, financial products, or related services. Message and data rates may apply. You may opt out of marketing emails by using the unsubscribe option in the message or by contacting us. You may opt out of text messages by replying “STOP,” where supported.

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 services, process requests, maintain business records, resolve disputes, prevent fraud, comply with legal obligations, and enforce our agreements. Retention periods may vary based on the type of information and applicable legal requirements.

Children’s Privacy

Our website and services are intended only for users who are at least 18 years old. We do not knowingly collect personal information from children. If we learn that we have collected personal information from a child, 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, terms, approval, and funding times vary by lender and by state.

Responsible Borrowing Notice

Short-term loans can be expensive financial products and should be used responsibly. Before accepting any loan offer, carefully review the lender’s 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 acknowledge the updated Policy.

Contact Us

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