Privacy and Security Policy
At Payday Express, protecting your privacy and ensuring the security of your personal and financial information is our top priority. We are committed to maintaining the highest standards of confidentiality, data integrity, and responsible information handling.
This Privacy and Security Policy outlines how we collect, use, protect, and share your information when you interact with our services.
Information We Collect
We collect information to provide you with secure, customized, and efficient financial services. The types of information we collect include:
Personal Information
- • Full name
- • Email address
- • Phone number
- • Address
- • Date of birth
- • National ID (e.g., SIN)
Financial Information
- • Bank account details
- • Employment status
- • Income level
- • Credit score (when applicable)
Loan Data
- • Loan application history
- • Repayment activity
- • Peer-to-peer investment activity
Device and Usage Data
- • IP address
- • Device information
- • Browser type
- • Interaction logs
- • Cookies
How We Use Your Information
We use your information to:
Verify your identity and eligibility for loans or investment opportunities.
Process loan applications, disbursements, and repayments.
Facilitate communication between borrowers and lenders.
Provide customer support and respond to inquiries.
Improve our services through analytics and user feedback.
Comply with legal and regulatory obligations.
Important: We do not sell or rent your personal data to any third parties.
Data Security Measures
We implement a wide range of industry-standard technologies and procedures to protect your data:
End-to-End Encryption
All sensitive data is encrypted both in transit (TLS/SSL) and at rest.
Secure Authentication
Multi-factor authentication (2FA) and strong password policies safeguard your account.
Blockchain Audit Trails
For peer-to-peer lending, blockchain ensures secure, immutable transaction records.
Role-Based Access Control
Only authorized personnel can access your information.
Firewall and Intrusion Detection
Advanced systems monitor for unauthorized access and vulnerabilities.
Cookies and Tracking Technologies
We use cookies and similar technologies to improve your browsing experience, remember your preferences, and analyze site traffic. You can modify your browser settings to manage or disable cookies, but please note that some features may not function properly without them.
Sharing Information with Third Parties
We may share your information with:
Regulatory Authorities
to comply with legal requirements.
Payment Processors and financial partners
for transaction execution.
Credit Bureaus
for assessing creditworthiness (with your consent).
Service Providers
for hosting, analytics, and customer support, under strict confidentiality agreements.
Important: We never share information with advertisers or unauthorized third parties.
Your Rights and Choices
You have the right to:
Access or request a copy of your personal data.
Request correction or deletion of inaccurate or outdated data.
Withdraw consent for specific uses of your information.
Opt out of promotional communications at any time.
You may contact us to exercise these rights via email at privacy@paydayexpress.ca
Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect or store information from children.
Updates to This Policy
We may update this Privacy and Security Policy periodically to reflect changes in legal requirements, technology, or our services. All updates will be posted on this page with an updated effective date. Please review it regularly.
Contact Us
If you have any questions or concerns about our Privacy and Security Policy or practices, please contact:
Effective Date: May 24, 2025