Privacy Policy

Last updated: January 1, 2026

1. Information We Collect

We collect information you provide, such as your name, email, phone number and the service you are interested in. We may also collect device and usage data through cookies and similar technologies.

2. Financial Information

We do not ask for full Social Security numbers, bank passwords or card numbers through this website. Any sensitive financial data needed for an application is collected through secure channels by the relevant lender, insurer or provider.

3. How We Use Information

• To respond to enquiries and match you with suitable providers
• To send newsletters and service updates you have requested
• To prevent fraud and meet legal and regulatory obligations
• To improve our website and services

4. Sharing of Information

We share information with providers only as needed to fulfil your request, and with service vendors bound by confidentiality. We do not sell your personal information. Where applicable, our practices follow the Gramm-Leach-Bliley Act privacy requirements for financial institutions.

5. Your Choices and Rights

You may opt out of marketing emails at any time. Residents of states with privacy laws, including California under the CCPA/CPRA, may request access to, correction of, or deletion of their personal information, and may opt out of any sale or sharing of data.

6. Data Security and Retention

We use administrative, technical and physical safeguards to protect information. We keep data only as long as needed for the purposes described or as required by law.

7. Children

Our services are not directed to anyone under 18, and we do not knowingly collect their information.

8. Contact

Questions? Email info@paydayplanningguide.info or write to 136 Madison Avenue, New York, NY 10016.

Terms and Conditions

Last updated: January 1, 2026

1. Acceptance

By using this website you agree to these Terms. If you do not agree, please do not use the site.

2. Nature of Services

Payday Planning Guide offers general financial information and connects consumers with third-party lenders, insurers, payment platforms, investment providers, warranty companies and debt relief providers. We are not a lender or insurer, and nothing here is legal, tax or investment advice.

3. No Guarantee of Approval

Rates, terms, coverage and approval are determined solely by the provider and depend on credit history, income, location and other factors. Calculator results are estimates only.

4. Investments

Investing, including stocks, mutual funds, gold and digital currency, involves risk, including loss of principal. Past performance does not guarantee future results. Digital currency is volatile and not insured by the FDIC.

5. Debt Relief

Debt settlement and consolidation may affect your credit score and may have tax consequences. Outcomes vary and are not guaranteed. Bankruptcy guidance is informational and does not replace a licensed attorney.

6. User Responsibilities

• Provide accurate and complete information
• Do not misuse the site or attempt unauthorized access
• Do not submit information about another person without consent

7. Intellectual Property

All content on this site is owned by or licensed to Payday Planning Guide and may not be copied or reused without written permission.

8. Limitation of Liability

To the fullest extent permitted by law, we are not liable for indirect or consequential damages arising from use of this site or third-party services.

9. Governing Law

These Terms are governed by the laws of the State of New York, and disputes will be handled in the courts located in New York County.

10. Contact

info@paydayplanningguide.info | 136 Madison Avenue, New York, NY 10016