Payday Wings values your privacy and is committed to protecting your personal information while providing an independent loan matching service. This policy explains what we collect, why, and the choices you have.
Payday Wings respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains, in plain language, what information we collect, why we collect it, how we use and protect it, and the choices and rights you have.
Before going further, it is important to be clear about who we are. Payday Wings is an independent loan matching platform. We are not a lender. We do not approve loans, decline applications, or make credit decisions. What we do is connect you with participating licensed third-party lenders who may be interested in reviewing your request. That relationship shapes how your information moves, and this policy explains it.
This Privacy Policy applies to the Payday Wings website and to the information you provide through it, including when you submit an application. It has been written with Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws in mind.
By using our website, you acknowledge that you have read and understood this Privacy Policy. Please read it alongside our Terms and Conditions, which together describe how Payday Wings operates. If you do not agree with this policy, please do not use the website or submit an application.
We collect only the information that is reasonably necessary to provide our loan matching service. That information falls into two broad groups.
Information you provide directly, mainly during the application process:
Information collected automatically when you visit, to help the site work and stay secure:
We do not ask for more than we need. If a piece of information is not reasonably required to match you with a lender, or to run and protect the website, we do not request it.
We use the information we collect for clear, limited purposes. Depending on how you interact with us, your information may be used to:
We want to be direct about what we do not do: we do not sell your personal information, and we do not use it for unrelated marketing purposes. Your information is used to deliver the service you came for and to keep that service safe and lawful.
Consent is central to how we handle your information, and we want it to be genuinely informed — not buried in fine print.
You provide consent before you submit an application. The consent language is presented clearly and visibly at the point of submission, so you can see what you are agreeing to before you agree to it.
When you consent, you understand that:
Where required, Payday Wings keeps records of consent — including details such as the date of submission, the form that was submitted, and the exact consent language displayed at that time — in accordance with applicable legal and operational requirements. These records are retained for as long as reasonably necessary for those purposes; we do not promise to keep them indefinitely.
You may withdraw your consent at any time, subject to legal or contractual limits. Withdrawing consent may mean we are no longer able to provide the matching service. See Your Privacy Rights for how to make a request.
We share personal information only when there is a legitimate reason to, and only to the extent needed for that reason. Your information may be shared with:
Payday Wings does not sell your personal information to unrelated third parties. Personal information is shared only for legitimate business, operational, legal, or loan matching purposes — never for sale.
Where we work with service providers, we expect them to protect your information and to use it only for the purposes we engage them for.
Like most websites, Payday Wings uses cookies and similar technologies. A cookie is a small file stored on your device that helps a website function and remember certain information. We use several kinds:
You are in control. Most browsers let you view, manage, block or delete cookies through their settings. Blocking some cookies may affect how parts of the website work.
We may use analytics tools such as Google Analytics to understand website traffic and usage patterns in aggregate. These tools help us improve the site; they are not used to collect more information than is needed for that purpose. Where such tools set their own cookies, they are governed by the provider’s own privacy practices.
We contact you only where it is appropriate to do so.
Marketing messages are never mandatory. Choosing not to receive them does not affect your ability to use the core loan matching service.
We take the security of your information seriously and use a combination of safeguards to protect it, including:
While we work hard to protect your information, it is important to be honest: no method of transmitting data over the internet, and no method of electronic storage, can be guaranteed to be 100% secure. We cannot promise absolute security, but we are committed to protecting your information using reasonable, up-to-date measures. As a reminder, you should never send passwords, PINs or full banking credentials to us by email or through our contact form.
We keep personal information only for as long as it is reasonably necessary, and then we dispose of it securely. In practice, we retain information to:
When information is no longer needed for any of these purposes, we take reasonable steps to securely delete or de-identify it. Retention periods can vary depending on the type of information and the reason we hold it.
Under Canadian privacy law, you have rights over your personal information. Depending on your circumstances, you may request to:
To make a request, please contact us through our contact page. We may need to verify your identity before acting on a request, to make sure we are sharing or changing information for the right person. We will respond within the timeframes required by applicable law. If you are not satisfied with how we handle your request, you have the right to contact the Office of the Privacy Commissioner of Canada.
Payday Wings is intended only for individuals who have reached the age of majority in their province (18 or 19, depending on where you live). The website and its services are not directed at children, and we do not knowingly collect personal information from anyone under the age of majority.
If you believe a minor has provided us with personal information, please contact us so we can take appropriate steps to remove it.
Our website may contain links to other websites, including those of participating lenders and service providers. These external websites are operated independently and have their own privacy practices.
This Privacy Policy applies only to Payday Wings. We are not responsible for the privacy practices or content of third-party websites. If you follow a link away from our site, we encourage you to review that website’s own privacy policy before providing any personal information.
We may update this Privacy Policy from time to time — for example, to reflect changes in the law, our services, or how we handle information. When we make changes, we will revise the “Last updated” date shown at the top of this page.
We encourage you to review this policy periodically so you stay informed about how we protect your information. Your continued use of the website after any change means you accept the updated policy.
If you have any questions about this Privacy Policy or how we handle your information, we want to hear from you. You can contact us regarding:
Important privacy disclosure. By submitting an application through Payday Wings, you acknowledge that your information may be shared with participating licensed lenders and certain approved service providers for the purpose of reviewing your request.
Submitting an application does not guarantee approval or funding. Payday Wings acts solely as an independent loan matching platform and is not a lender.
For related information, see our Terms and Conditions.
We collect only what we need, share it only for legitimate purposes, and never sell it. If you ever want to know what we hold or ask us to change it, our team is here to help.
