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Privacy Policy

Effective date: March 18, 2026

1) What This Policy Covers

This Privacy Policy (“Policy”) explains how Paydey Cash Advance: Peak Loan (“we,” “us,” or “our”) collects, uses, shares, and protects your personal information when you use the Paydey Cash Advance: Peak Loan mobile application, website, and related services (together, the “App” or “Services”).

By installing, accessing, or using the App, you agree to this Policy. If you do not agree, please do not use the App.

We follow applicable U.S. privacy and consumer protection laws, including:

Some rights in this Policy may not apply to GLBA‑protected data or users outside certain states.

This Policy applies to U.S. residents using the App. It does not cover our employees, contractors, or third‑party services we don't own or control.

2) Information We Collect

We collect information in three ways: directly from you, automatically from your device, and from third parties.

2.1 Information You Provide to Us

When you use the App, you may provide:

2.2 Information Collected Automatically

When you use the App, we automatically collect:

You can limit cookies/SDKs in your device settings, but some features may not work properly.

2.3 Information from Third Parties

We may also get information about you from:

3) How We Use Your Information

We use your information for purposes like:

4) Legal Bases & Key Principles

Depending on context and your jurisdiction, we process your information based on:

5) How We Share and Disclose Information

We share personal information only as needed for the purposes described in this Policy, with appropriate safeguards.

5.1 Service Providers

We work with carefully selected vendors who perform services for us, such as:

These providers may access personal information only to perform services for us and must protect it under contract.

5.2 Financial Partners

When you request loan or cash‑advance options, we share necessary information with lenders and financial partners so they can evaluate your request and present offers. This may include your identity, income, bank account details, and other eligibility data.

Once your information is shared with a lender, their privacy policy governs how they use it. We encourage you to review each partner's privacy notice before agreeing to any product.

5.3 Legal, Regulatory & Safety

We may disclose information to courts, regulators, law enforcement, or other third parties if we believe in good faith that disclosure is required by law, necessary to protect rights and safety, or needed to investigate fraud, abuse, or security incidents.

5.4 Business Transactions

If Paydey Cash Advance: Peak Loan is involved in a merger, acquisition, or sale of assets, personal information may be transferred to another entity with privacy protections similar to this Policy.

5.5 At Your Request or With Your Permission

We may share information when you ask us to or give your consent.

5.6 No "Sale" of Data or Cross‑Context Behavioral Ads

We do not “sell” personal information as defined under state privacy laws, and we do not engage in cross‑context behavioral advertising that would require an opt‑out. If our practices change, we'll update this Policy and provide required notices.

6) How Long We Keep Your Information

We keep personal information only as long as needed for the purposes in this Policy, while your account is active, and as required by law (like financial recordkeeping). After that, we delete or de‑identify it.

Typical retention periods:

Specific periods may vary by data type and legal requirements.

7) How We Protect Your Information

We use administrative, technical, and physical safeguards designed to protect your information against unauthorized access, use, or disclosure, including encryption (in transit and where appropriate at rest), access controls, security monitoring, vendor assessments, and employee training.

No method of transmission over the internet is 100% secure. You're responsible for keeping your login credentials confidential and notifying us promptly if you suspect unauthorized access.

8) Your Privacy Rights

Depending on your state of residence and the type of information, you may have rights including access, deletion, correction, portability, and certain opt‑out rights (where applicable). We'll verify your identity before responding and may limit requests where permitted by law.

8.1 How to Submit a Privacy Request

To exercise your rights or ask questions, contact us at:

Company: Loan Peak Powder, LLC
Phone: (478) 559-6646
Email: [email protected]
Address: 4220 Normandy Ave, Dallas, TX 75205
Subject line: Privacy Request

Please include your full name, state of residence, and a brief description of your request (like access, deletion, or correction). You may also designate an authorized agent to act on your behalf where state law allows.

9) Children's Privacy

The App is for adult users only. You must be at least 18 years old (or the age of majority in your state) to use the Services. We do not knowingly collect information from children under 13. If we discover we have, we'll take steps to delete it.

If you believe a child under 13 has provided information, please contact us at [email protected].

10) Cookies, SDKs & Similar Technologies

We use cookies, mobile SDKs, and similar tools for login, security, preferences, and analytics. You can adjust cookie and tracking settings in your browser or device. Disabling certain tools may limit some App features.

11) Third‑Party Websites & Services

The App may link to or integrate with third‑party sites and services (like lenders, banks, or analytics providers). Those third parties have their own privacy practices. We're not responsible for them. Please review their privacy notices before sharing your information.

12) GLBA & FCRA Notices

Some information we handle is “nonpublic personal information” under the Gramm‑Leach‑Bliley Act (GLBA). When GLBA applies, our GLBA notice (if provided separately) governs that information.

If we share information with consumer reporting agencies or use “consumer reports,” your rights under the Fair Credit Reporting Act (FCRA) apply. We'll provide required disclosures. We don't perform hard credit inquiries without your consent and will tell you if a hard inquiry may happen.

13) International Use & Data Transfers

The App is for U.S. users only. If you access it from outside the U.S., your information will be transferred to and processed in the United States, where privacy laws may differ. By using the App, you consent to this transfer.

14) Updates to This Policy

We may update this Privacy Policy to reflect changes in our practices or legal requirements. When we make material updates, we'll update the “Effective Date” at the top and provide in‑app or email notice where required by law.

Continued use after updates take effect means you accept the revised Policy. If you don't agree, stop using the App and request account deletion where permitted.

15) How to Contact Us

Company: Loan Peak Powder, LLC
Phone: (478) 559-6646
Website: https://loanpeakpowder.com
Email: [email protected]
Address: 4220 Normandy Ave, Dallas, TX 75205