Privacy Policy

Effective Date: February 5, 2026

1) Overview

This Privacy Policy (“Policy”) explains how GA Loans 247 LLC (“we,” “us,” or “our”) collects, uses, shares, and protects personal information when you access or use the Payday Cash Advance: Loans 247 mobile application, website, and any related features or services (collectively, the “App”). By downloading, accessing, or using the App, you confirm that you have read, understood, and agreed to this Policy. If you do not agree with the terms described herein, you must discontinue use of the App.

We comply with applicable United States privacy, consumer protection, and financial regulations, including but not limited to:

• Gramm-Leach-Bliley Act (GLBA)
• California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA)
• Fair Credit Reporting Act (FCRA)
• Federal Trade Commission (FTC) rules and guidance
• Other applicable federal and state privacy and consumer protection laws

Certain rights outlined in this Policy may not apply to information regulated under GLBA or to individuals located outside jurisdictions where such rights are granted. This Policy applies to users located within the United States and does not apply to employees, contractors, or third-party services that are not operated or controlled by us.

2) Information We Collect

We collect personal information through three primary channels: information you provide directly, data collected automatically when you use the App, and information received from third-party sources.

2.1 Information You Provide

When interacting with the App, you may voluntarily submit personal information, including but not limited to:

• Identifiers – full name, date of birth, email address, phone number, and mailing address
• Government Identification – Social Security number, driver’s license number, or other state-issued identification used for identity verification
• Financial Information – employment information, income details, banking information, transaction history, repayment data, and requested loan parameters
• Login and Security Information – usernames, passwords, PINs, and authentication credentials, stored using reasonable security and encryption practices
• Communications – messages, uploaded documents, files, images, or records submitted through the App, including identity or financial documentation
• Consents and Acknowledgments – electronic signatures, acceptance of disclosures, acknowledgments of agreements, and related confirmations

2.2 Information Collected Automatically

When you access or use the App, certain data may be collected automatically, including:

• Device and Technical Information – IP address, device type, operating system, application version, language settings, and diagnostic logs
• Usage Information – pages visited, features accessed, time spent in the App, interaction timestamps, and navigation patterns
• Approximate Location Data – derived from IP address or device signals for fraud detection, compliance, and service optimization
• Cookies, SDKs, and Similar Technologies – used to support authentication, security, preferences, analytics, and functionality; disabling these technologies may limit App performance

2.3 Information from Third-Party Sources

We may obtain personal information about you from third parties, including:

• Identity verification and fraud prevention vendors
• Financial institutions, lenders, loan platforms, banks, or payment processors
• Credit bureaus or alternative data providers, where permitted by law and with appropriate authorization
• Referral, affiliate, or marketing partners that direct users to the App or receive referrals from us
• Public records, databases, or government sources when required for verification or compliance

3) Use of Information

We use collected personal information for purposes that include:

• Operating, maintaining, and improving the App and its features
• Creating, managing, and authenticating user accounts
• Verifying identity and conducting fraud, KYC, AML, and security checks
• Facilitating loan or financial product requests by transmitting relevant information to financial partners for review
• Supporting transactions, including payments, disbursements, and repayments
• Responding to customer inquiries, service requests, confirmations, and operational or legal notices
• Analyzing usage patterns, improving performance, and resolving technical issues
• Complying with applicable legal, regulatory, and contractual obligations
• Delivering optional marketing, educational, or informational communications, subject to user preferences and applicable law

4) Legal Basis for Processing

Depending on the circumstances and applicable law, we process personal information based on one or more of the following legal grounds:

• User consent, where required by law
• Performance of a contract or steps taken at the user’s request
• Compliance with legal and regulatory obligations
• Legitimate business interests, including fraud prevention, security, analytics, and service improvement

5) Sharing of Information

We disclose personal information only as necessary to operate the App, fulfill legal obligations, and support the purposes described in this Policy.

5.1 Service Providers

We may share information with trusted third-party vendors that provide services on our behalf, including:

• Hosting and cloud infrastructure providers
• Identity verification services
• Customer support platforms
• Analytics and performance monitoring tools
• Payment processors
• Security, compliance, and risk management providers

Service providers are permitted to use personal information solely to perform services under contractual agreements and are required to maintain appropriate confidentiality and security measures.

5.2 Financial Partners

When you submit a loan or related financial request, relevant personal information may be shared with participating lenders or financial partners to evaluate eligibility. Once shared, those partners’ own privacy policies govern their handling of the information, and users are encouraged to review those disclosures carefully.

5.3 Legal and Safety Disclosures

We may disclose personal information when necessary to:

• Comply with applicable laws, regulations, subpoenas, or legal processes
• Protect the rights, property, or safety of GA Loans 247 LLC, users, or others
• Investigate, prevent, or address fraud, misuse, or security incidents

5.4 Business Transfers

If GA Loans 247 LLC is involved in a merger, acquisition, reorganization, financing, or sale of assets, personal information may be transferred as part of that transaction, subject to protections consistent with this Policy.

5.5 With User Authorization

We may share information when you explicitly authorize or direct us to do so.

5.6 No Sale of Personal Information

We do not sell personal information and do not engage in cross-context behavioral advertising. Any material changes to this practice will be disclosed in accordance with applicable law.

6) Data Retention

We retain personal information only for as long as reasonably necessary to fulfill business purposes and legal requirements, including:

• Account and service records – retained during the active relationship and generally up to seven (7) years thereafter
• Compliance, fraud, and risk-related records – typically retained for five (5) to seven (7) years
• Marketing communications – retained for up to three (3) years or until a user opts out
• Log files and analytics data – generally retained for twelve (12) to twenty-four (24) months

After applicable retention periods expire, information is securely deleted or anonymized.

7) Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect personal information, including:

• Encryption of data in transit and at rest
• Role-based access controls
• Continuous system monitoring and periodic audits
• Vendor security assessments
• Employee training and internal security policies

Despite these safeguards, no system is completely secure. Users are responsible for maintaining the confidentiality of their account credentials and notifying us promptly of any unauthorized access.

8) Your Privacy Rights

Depending on your state of residence, you may have the right to:

• Access and receive a copy of your personal information
• Request correction of inaccurate or incomplete data
• Request deletion of personal information, subject to legal limitations
• Receive data in a portable and structured format
• Opt out of certain uses, disclosures, or marketing communications
• Requests may require identity verification, and certain rights may be restricted under applicable law.

Submitting Requests:
Please contact us at [email protected] and include your full name, state of residence, and details of your request. Where permitted, you may designate an authorized agent to act on your behalf.

9) Children’s Privacy

The App is intended solely for individuals who are at least 18 years old. We do not knowingly collect personal information from children under the age of 13. If such information is identified, it will be promptly deleted.

10) Cookies and Tracking Technologies

We use cookies, SDKs, and similar technologies to support authentication, security, preferences, analytics, and App functionality. Adjusting device or browser settings may impact App performance.

11) Third-Party Services

The App may contain links to or integrations with third-party websites or services. We are not responsible for the privacy practices or content of such third parties, which are governed by their own privacy policies.

12) GLBA and FCRA

Certain nonpublic personal financial information is governed by the Gramm-Leach-Bliley Act (GLBA). The use of consumer reports is regulated by the Fair Credit Reporting Act (FCRA). Any hard credit inquiry requires your express authorization.

13) International Users

The App is intended for use by residents of the United States. Information may be processed and stored within the United States, and by using the App you consent to such processing.

14) Policy Updates

We may update this Policy periodically. Changes will be reflected by a revised effective date and may be communicated through the App or via email. Continued use of the App after updates constitutes acceptance of the revised Policy.

15) Contact Information

GA Loans 247 LLC
Email: [email protected]
Address: 1855 Garland Ln, Boulder, CO 80304
Phone: (970) 423-5830