Privacy Policy

Effective Date: January 29, 2026

This Privacy Policy (“Policy”) explains how Payday Loans Brin LLC (“Payday Brin,” “we,” “us,” or “our”) collects, uses, shares, and protects information when you use the Payday Brin mobile application, our website (paydayloansbrin.com), and related services (collectively, the “Services”).

Payday Brin is a comparison platform, not a lender. We do not issue loans, set loan terms, or make credit decisions. Providers you choose may have their own privacy practices, which are governed by their privacy notices.

This Policy is intended for U.S. users. We follow applicable U.S. privacy and consumer-protection laws and guidance, including, where applicable, state privacy laws (such as the CCPA/CPRA in California). Some rights described below may vary by state and may not apply in all situations.

1) INFORMATION WE COLLECT
We collect information in three ways: (a) information you provide, (b) information collected automatically, and (c) information from third parties.

A. Information you provide
Depending on how you use the Services, you may provide:
– Contact information: phone number, name, email address.
– Verification information: one-time passcodes (OTP) used to verify your phone number.
– Request details: the amount you’re looking for and other basic information you enter to view and compare options (for example, location/state, and other eligibility-related details you choose to submit).
– Support communications: information you include when you contact Support (name, email, subject, and message content).
– Optional information: any additional information you choose to provide through forms or interactions in the Services.

We do not require you to create a traditional account to browse. If you choose phone-based verification, we use your number to send a sign-in code.

B. Information collected automatically
When you access or use the Services, we may automatically collect:
– Device and usage data: device type, operating system version, app version, language, time zone, and usage interactions (such as screens viewed and taps).
– Network and technical data: IP address, carrier, approximate location derived from IP, crash logs, diagnostics, performance data, and security-related logs.
– Identifiers: device identifiers or similar identifiers used for analytics, fraud prevention, and security.
– Cookies and similar technologies (website): we may use cookies, SDKs, pixels, or similar technologies to remember preferences, measure performance, and improve the Services.

C. Information from third parties
If you choose to proceed with a third-party provider, or if we integrate with provider networks, we may receive information such as:
– Referral and attribution data (for example, that you clicked through, submitted an application, or completed a step).
– Fraud and security signals from vendors and partners.
– Limited status or outcome signals needed to maintain service quality and improve performance (for example, whether a link or provider flow worked).

2) HOW WE USE INFORMATION
We use information for purposes such as:
– Providing the Services: showing and organizing available options based on the information you submit.
– Verification and account integrity: sending OTP codes, preventing unauthorized access, and maintaining platform integrity.
– Customer support: responding to requests, troubleshooting, and improving support experience.
– Security and fraud prevention: detecting suspicious activity, protecting users, and securing systems.
– Analytics and improvements: understanding usage, fixing bugs, optimizing performance, and improving the Services.
– Legal and compliance: complying with applicable laws, responding to lawful requests, and enforcing our Terms.

3) HOW WE SHARE INFORMATION
We share information only as needed for the purposes described in this Policy.

A. Service providers (vendors)
We may share information with vendors that perform services for us, such as:
– Hosting and cloud infrastructure
– Data storage and backups
– Analytics and performance measurement
– Security monitoring, fraud prevention, and incident response
– Customer support tools and communication providers

These vendors are permitted to use information only to perform services on our behalf and must protect it under contractual obligations.

B. Third-party financial providers (at your direction)
If you choose to proceed to a third-party provider (for example, by tapping through to apply or request an option), we may share the information needed to facilitate that request (such as contact details and request/eligibility inputs you submitted). Once you interact with a provider, the provider’s privacy policy governs their use of your information. We encourage you to review the provider’s privacy notice before submitting an application.

C. Legal, regulatory, and safety disclosures
We may disclose information if we believe in good faith that disclosure is necessary to:
– Comply with applicable law, regulation, legal process, or government request
– Protect the rights, safety, and security of users, our Services, or the public
– Investigate, prevent, or respond to suspected fraud, abuse, or security incidents

D. Business transfers
If we are involved in a merger, acquisition, financing, reorganization, or sale of all or part of our business, information may be transferred as part of that transaction, subject to appropriate confidentiality and privacy safeguards.

E. Aggregated or de-identified information
We may share aggregated or de-identified information that cannot reasonably be used to identify you.

F. No “sale” of personal information
We do not sell personal information as that term is defined under certain state privacy laws. We do not engage in cross-context behavioral advertising that would require an opt-out under those laws. If our practices change, we will update this Policy and provide any required notices and choices.

4) TEXT MESSAGES (SMS) AND VERIFICATION CODES
If you choose phone verification, we will text a one-time code to your phone number to help confirm it’s you. Standard messaging and data rates may apply. We use SMS primarily for authentication and security (not for marketing unless you separately opt in where required).

5) COOKIES, ANALYTICS, AND SIMILAR TECHNOLOGIES
We may use analytics tools and similar technologies to understand usage and improve performance. On the website, you can often control cookies through your browser settings. Some app/device settings may allow you to limit certain tracking or analytics.

6) DATA RETENTION
We retain information only as long as reasonably necessary for the purposes described in this Policy, including to provide the Services, maintain security, comply with legal obligations, and resolve disputes.
Typical retention periods may include:
– Support communications: retained as needed to address your request and for quality/security purposes
– Security logs and analytics: typically retained for a limited period to support performance and fraud prevention
– Referral/attribution records: retained as needed for operational, fraud, and performance measurement purposes

We may delete or de-identify information when it is no longer needed, subject to legal requirements.

7) SECURITY
We use administrative, technical, and physical safeguards designed to protect information against unauthorized access, alteration, disclosure, or destruction. No method of transmission or storage is 100% secure, but we work to protect your data using industry-standard practices.

8) YOUR CHOICES
You may have choices and controls such as:
– Providing (or not providing) optional information: you can choose what you submit through the Services.
– SMS verification: you can choose whether to use phone-based verification.
– Cookies (website): you can adjust cookie settings in your browser.
– Marketing preferences (if applicable): if we offer marketing communications, you can opt out using the method described in the message or by contacting Support.

9) STATE PRIVACY RIGHTS (U.S.)
Depending on where you live, you may have rights to:
– Request access to personal information we hold about you
– Request deletion of certain personal information
– Request correction of inaccurate personal information
– Receive information about our data practices
– In some states, opt out of certain processing (such as targeted advertising or “sale/share” as defined by law)

How to submit a request:
– Use our Contact Support form: https://paydayloansbrin.com/contact-us/
– Select “Privacy Request” (if available) and include enough detail for us to understand and process your request.

We may need to verify your request before responding (for example, by confirming control of the email or phone number associated with the request). If you are an authorized agent making a request on someone’s behalf, we may ask for documentation.

10) CHILDREN’S PRIVACY
The Services are intended for users 18 and older and are not directed to children. We do not knowingly collect personal information from children under 13. If you believe a child has provided personal information, contact us so we can take appropriate action.

11) CHANGES TO THIS POLICY
We may update this Policy from time to time. When we make changes, we will revise the “Effective Date” and post the updated Policy. Your continued use of the Services after an update means you accept the revised Policy.

12) CONTACT US
If you have questions or requests regarding this Policy or our data practices, contact us:
Payday Loans Brin LLC
Website: https://paydayloansbrin.com/
Contact Support: https://paydayloansbrin.com/contact-us/

LEGAL DISCLAIMER
Payday Brin is not a lender. Loan amounts, rates, terms, and availability vary by provider and state. Approval is subject to the provider’s requirements.