Privacy Policy
How we collect, use, and protect your information.
Effective date: January 6, 2025 — Last reviewed: October 13, 2026
This Privacy Policy describes how Bright Ledger Media LLC ("NeedCashBeforePayday.com," "we," "us," or "our") collects, uses, shares, and protects information when you visit needcashbeforepayday.com (the "Site") or submit a request through it. By using the Site, you agree to the practices described below.
1. Information we collect
- Information you provide directly: name, email address, ZIP code, requested loan amount, phone number, and any details you submit through our forms.
- Automatically collected information: IP address, browser type, device type, referring URL, pages viewed, and approximate location, typically gathered via cookies, log files, or similar technologies.
- Information from third parties: where permitted by law, we may receive limited information back from participating lenders regarding the status of a referral (for example, whether a match was made), which we use to improve our matching process.
2. How we use your information
- To operate the Site and respond to inquiries you submit;
- To share your request with participating third-party lenders and lending networks so they may contact you with a potential offer, where you have indicated interest;
- To analyze and improve Site content, performance, and security;
- To comply with legal obligations and enforce our Terms of Use.
3. How we share your information
We may share the information you submit through our request form with one or more independent, participating lenders or lending networks so they can evaluate whether to make you an offer. We may also share information with:
- Service providers who help us operate the Site (e.g., hosting, analytics, email delivery), under confidentiality obligations;
- Legal or regulatory authorities where required by law, subpoena, or to protect our rights;
- A successor entity in the event of a merger, acquisition, or sale of assets.
We do not sell the contents of Contact Us form messages to third parties. Information submitted through our loan-request form is, by its nature, shared with lending partners as described above — that is the core function of the service.
4. Cookies and similar technologies
We use cookies and similar technologies to remember basic preferences, measure Site traffic, and support our advertising relationships. You can control cookies through your browser settings; disabling them may limit some Site functionality.
5. Your privacy choices
- You may request access to, correction of, or deletion of the personal information we hold about you by contacting us at [email protected].
- If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect and to request deletion. We do not sell personal information as defined under the CCPA.
- You may opt out of promotional emails by using the unsubscribe link included in those messages.
6. Data security
We use industry-standard safeguards, including encrypted form submissions, to help protect the information you provide. No method of transmission or storage is 100% secure, and we cannot guarantee absolute security.
7. Data retention
We retain personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements.
8. Children's privacy
This Site is intended for users who are at least 18 years old. We do not knowingly collect personal information from anyone under 18.
9. Changes to this policy
We may update this Privacy Policy from time to time. Material changes will be reflected by updating the "Last reviewed" date above. Continued use of the Site after changes take effect constitutes acceptance of the revised policy.
10. Contact us
Questions about this Privacy Policy or your data can be sent to [email protected] or by mail to Bright Ledger Media LLC, 8 The Green, Suite A, Dover, DE 19901, United States.