Effective date: October 1, 2026 · Last reviewed: October 2026

1. Who we are

PayactivUSA ("we," "us," or "our") operates the website at payactivusa.com. We are an independent informational and lead-generation site covering Payactiv, the Payactiv Visa® Prepaid Card, Payactiv earned wage access, and $200–$5,000 personal funding options from licensed third-party lenders. We are not affiliated with Payactiv Inc.

2. Information we collect

We collect two broad categories of information:

  • Information you give us: name, email, phone number, mailing address, employer, income range, requested loan amount and other details submitted through our application form or contact form.
  • Information collected automatically: IP address, device type, browser, pages viewed, time on page and referral source. We use cookies and similar technologies for basic analytics and fraud prevention.

3. How we use your information

  • To route your personal-funding application to licensed lender partners.
  • To respond to your questions sent through the Contact form.
  • To improve the site, our articles and the user experience.
  • To detect and prevent fraud.
  • To comply with legal obligations.

4. Information we share

We share application-form information with licensed lender partners in your state so they can evaluate your request and present an offer. We do not sell your information to data brokers. We may share aggregated, non-identifying data with analytics vendors.

5. Cookies and tracking

We use first-party cookies for session state, and limited third-party analytics (e.g., privacy-respecting analytics providers) to understand how pages are used. You can disable cookies in your browser; some site features may stop working.

6. Your rights (CCPA, GDPR, state privacy laws)

Depending on where you live, you may have the right to:

  • Request a copy of the personal information we hold about you.
  • Request deletion of your personal information.
  • Opt out of the sale or sharing of personal information (we do not sell personal information).
  • Correct inaccurate personal information.

To exercise any of these rights, email privacy [at] payactivusa [dot] com.

7. Children's privacy

PayactivUSA is not directed to children under 18. We do not knowingly collect personal information from children.

8. Data security

The site uses TLS 1.2+ encryption for all form submissions. We follow commercially reasonable administrative, technical and physical safeguards. No internet transmission is 100% secure.

9. International transfers

PayactivUSA is operated from the United States. If you access the site from outside the U.S., your information will be transferred to and processed in the U.S.

10. Changes to this policy

We will post any changes on this page with an updated "Last reviewed" date. Material changes will be announced via a banner on the homepage for at least 30 days.

11. Contact

Questions about this Privacy Policy? Email privacy [at] payactivusa [dot] com.