Privacy Policy

Effective date: 26th day of April, 2024.

Payday Hero (the "Site") is owned and operated by 9509-4637 Quebec Inc and can be contacted at:

• Email: support@paydayhero.ca
• Phone: +1 (647) 957-8798

Through this privacy policy, we aim to inform our users of Payday Hero of the following:

1. The personal data we will collect
2. Use of collected data
3. Who has access to the data collected
4. The rights of Site users
5. The Site's cookie policy

This Privacy Policy applies in addition to the terms and conditions of our Site.

Consent

It is understood that by using our Site, users consent to:

• The conditions set out in this Privacy Policy
• The collection, use, and retention of the data listed in this Privacy Policy
• Receiving communications from us, including but not limited to text messages (SMS), phone calls, and emails, as part of the services we provide

Personal Data We Collect

In order to provide our services, we collect various types of personal data, including but not limited to:

• Identification data (e.g., name, date of birth)
• Contact information (e.g., email address, phone number, home address)
• Financial information (e.g., bank account details, income)
• Employment information (e.g., employer, job title, salary)
• Loan-related information (e.g., loan amount, repayment history, loan purpose)
• Behavioral data (e.g., website usage, communication preferences)

Why We Collect Personal Data

We collect personal data for the following reasons:

• Underwriting and Risk Assessment: To evaluate the bank account history of our clients and mitigate the risks associated with lending.
• Compliance with Legal Obligations: To adhere to applicable laws and regulations, including anti-money laundering (AML) and know your customer (KYC) requirements.
• Service Provision: To provide, maintain, and improve our services, including processing loan applications and managing accounts.
• Communication: To communicate with clients regarding their accounts, transactions, and any updates to our services.
• Fraud Prevention: To detect and prevent fraudulent activities and ensure the security of our services.

How We Use Personal Data

Data collected on our Site will only be used for the purposes detailed in this Privacy Policy or indicated on the relevant pages of our Site. Your data will not be used in any way that is not detailed in this Privacy Policy.

Who We Share Personal Data With

Employees
We may disclose user data to anyone who is a member of our organization who reasonably needs access to user data to offer the services set out in this Privacy Policy.

Other Disclosures
We will not sell your data to other third parties. We will not share your data with other third parties, except in the following cases:

• If it is required by law
• If any legal proceeding deems it necessary
• To prove or protect our legal rights
• To third parties directly involved in providing the service set out in this privacy policy
• To buyers or potential buyers of this company in the event that we seek to sell the company

If you follow hyperlinks from our Site to another Site, please note that we are not responsible for and have no control over their privacy policies and practices.

How Long We Store Personal Data

User data is stored indefinitely with the sole purpose of communicating the history of client Site interactions and ensuring compliance with legal and regulatory obligations.

How We Protect Your Personal Data

In order to protect your security, we use the strongest available browser encryption and store all of our data on servers in secure facilities. Only our employees have access to any data collected. Employees have signed strict agreements limiting the use of collected data to the offer of services provided. Any breach of agreement would result in the employee being terminated. We take any and all reasonable precautions to protect user data and keep it secure. That said, we are unable to guarantee the security of user data beyond what is reasonably practical as the internet as a whole can be insecure and there is always a risk of harm.

Children

We do not knowingly collect or use any personal data from children under the age of 13. If it comes to our attention that any data collected belongs to a child under the age of 13, that personal data will be deleted as soon as possible. Parents or guardians may contact us if a child under 13 has submitted their personal data to us.

How to Access, Modify, Delete, or Challenge the Data Collected

If you would like to know if we have collected your personal data, how we have used your personal data, if we have disclosed your personal data and to whom we disclosed your personal data, or if you would like your data to be deleted or modified in any way, please contact an agent at support@paydayhero.ca or call toll free at +1 (855) 694-5843.

Cookie Policy

Cookies are used to analyze and understand a user’s browsing habits. These are stored as small files on a user’s hard drive by a website. You can configure your browser settings to be notified each time a cookie is transmitted or choose to disable them entirely. Disabling cookies may negatively impact your browser experience.

We use the following types of cookies on our Site:

• Functional cookies: These allow us to track any selections you make on the site and display them to you later.
• Analytical cookies: These help us understand how you navigate and use the site, informing us of ways to improve your experience.
• Third-Party Cookies: These are created by websites other than ours. We may use third-party cookies to be informed of how you came to the Site.

Modifications

This Privacy Policy may be amended or modified from time to time to comply with the law or reflect any changes to how we collect, process, and store data. We will update the “Effective Date” at the beginning of the privacy policy any time it is changed. We encourage users to review our privacy policy from time to time so as to be informed of potential changes. We may notify users of changes to this privacy policy if necessary.

If you have any questions, comments, or complaints, you can contact one of our agents at support@paydayhero.ca.