Privacy Policy

Effective: 05.06.2025

ONI SAME DAY LOAN & AUTO SALES INC ("we", "our", or "us") operates the ONI: PayDay Cash Advance application and values your privacy. This policy explains how we collect, use, and protect your information.

1. Our Services

ONI: PayDay Cash Advance provides direct cash advance loans through a secure mobile platform.

2. Information We Collect

  • Personal Info You Provide: Name, contact info, SSN, employment, income, bank account info
  • Device & Usage Data: IP address, device type, app usage, location (if permitted)
  • Third Parties: Credit reports, ID verification

3. How We Use It

We use your info to:

  • Evaluate and process loan applications
  • Verify your identity
  • Manage your loan and account
  • Improve our services
  • Communicate with you
  • Prevent fraud and comply with the law

4. Sharing Your Information

We may share data with:

  • Service Providers: Payments, credit bureaus, collections, identity checks
  • Credit Bureaus: For reporting purposes
  • Legal Authorities: When required by law
  • Business Transfers: In the event of a merger or acquisition

We do not sell your personal data to third parties.

5. Data Security

We use encryption, access controls, and secure infrastructure to protect your data. While no system is 100% secure, we take reasonable steps to keep your information safe.

6. Data Retention

We keep your information as long as necessary to provide services and meet legal requirements.

7. Your Rights

You may have the right to:

  • Access your data
  • Request corrections
  • Ask for deletion (as allowed by law)
  • Opt out of certain data uses

Contact us to exercise your rights (see Section 10).

8. State-Specific Notices

Residents of California and other states may have additional rights. See our CCPA Notice for more.

9. Changes

We may update this policy. Material changes will be posted in-app or via email. Continued use of ONI: PayDay Cash Advance means you accept the updated policy.

10. Contact Us

ONI SAME DAY LOAN & AUTO SALES INC
210 N Beechwood Ave APT 488 Rialto, CA, 92376-7965
support@onipayday.com
(555) 781-9032