Privacy
1. Who We Are & What This Policy Covers
Welcome to Lend Academy (“we,” “us,” “our”) at https://www.lendacademy.com/.
We are an independent publisher that reviews payday loans, cash advance apps, and other financial services. Our goal is to help readers understand the benefits and risks of short-term borrowing, compare providers, and make informed choices.
This Privacy Policy explains what information we collect, how we use it, and your rights. It applies when you visit our website, interact with our content, or click through to partner sites.
2. What We Collect
We keep our data collection simple and limited to what’s needed:
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Browsing & device data: IP address, browser type, device/OS, pages viewed, referring links, approximate location.
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Cookies & trackers: Unique IDs to measure visits, improve site performance, serve ads, and track affiliate links (e.g., click IDs, UTM parameters).
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Analytics data: Visitor interactions through tools like Google Analytics.
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Advertising data: Cookies/pixels for ad measurement and personalization.
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No sensitive personal data: We do not knowingly collect Social Security numbers, health data, or financial account credentials.
We do not offer accounts, comments, or newsletters, so we don’t collect direct contact information unless you choose to email us.
3. How We Use Information
We use your information to:
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Operate and protect our website
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Prevent fraud or abuse
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Measure site traffic and improve content
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Personalize or cap advertising frequency
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Attribute affiliate commissions when you click links and sign up with a partner
4. Cookies & Tracking
Cookies are small files placed on your device. We use them for:
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Analytics (to understand traffic and performance)
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Advertising (to serve relevant ads and limit repeats)
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Affiliate attribution (to track when clicks lead to sign-ups or purchases)
Your choices:
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You can clear or block cookies in your browser settings.
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You can opt out of interest-based ads at optout.aboutads.info.
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California and certain US state residents can also exercise a “Do Not Sell or Share” right (see Section 7). We honor Global Privacy Control (GPC) signals as an opt-out.
5. Advertising, Analytics & Affiliates
We partner with:
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Analytics providers (e.g., Google Analytics) to measure visits
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Ad networks to display relevant ads
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Affiliate networks/partners who provide the payday loan apps, lenders, and other services we review
When you click an outbound link, it may include tracking parameters (like a click ID). If you later sign up, we may earn a commission. This helps us fund our content but does not change the price you pay.
6. Sharing of Information
We may share information with:
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Service providers (hosting, analytics, security tools)
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Affiliate/ad partners (to attribute referrals and measure performance)
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Legal authorities when required by law
We do not sell personal information for money. Under California law, some of our advertising and affiliate tracking may be considered “sharing” for cross-context behavioral advertising.
7. Your Privacy Rights (U.S. States)
Depending on your state (CA, VA, CO, CT, UT), you may have the right to:
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Know what data we collect and access a copy
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Request correction or deletion
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Opt out of targeted advertising or “sale/share” of personal information
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Request portability of your data
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Appeal if a request is denied
How to exercise your rights:
- Email us at [email protected]
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If you are in California, you may also use the “Do Not Sell or Share” options in your browser (we honor GPC signals).
We may ask for reasonable verification before fulfilling your request. If we deny a request, you can email us again with “Appeal” in the subject line.
We do not use or disclose sensitive personal information.
8. Data Retention & Security
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Server logs: ~12 months
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Analytics data: ~24 months
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Affiliate/ad data: depends on the partner, usually less than 24 months
We use HTTPS, access controls, and regular software updates. No system is 100% secure, but we take reasonable steps to protect your data.
9. Children’s Privacy
Our site is for adults (18+ for lending, 21+ for gambling content). We do not knowingly collect data from children. If you believe a minor has shared information with us, contact us to remove it.
10. Third-Party Links & Disclaimers
Our content links to external sites (lenders, financial services, ads). Their privacy practices may differ. We encourage you to read their policies.
11. Changes to This Policy
We may update this policy from time to time. When we do, we’ll update the “Last updated” date above.
12. Contact
If you have questions, email us at: [email protected]
13. Not Legal Advice
This Privacy Policy is for transparency only. It is not legal advice.