Privacy Policy

Effective Date: October 24, 2022

This Privacy Policy applies to the mobile application titled “Cash Advance App | Loan ” (hereafter referred to as “the App”) and outlines how the App collects, uses, shares, and protects information provided by users. The purpose of this policy is to ensure transparency about the services offered through the App and the information collected during its use.

Disclosure

The App is neither a lender nor a loan broker. It does not make financial decisions or issue loans. Instead, it operates as a platform that connects users with third-party lenders. Any personal or financial information submitted by users is securely transmitted to lending partners within the App’s network. These partners independently determine loan terms, such as the Annual Percentage Rate (APR), fees, and other conditions.

Information the App Collects

1. Personally Identifiable Information (PII)

This includes any data that can be used to identify or contact an individual. The App collects PII when a user fills out a loan request form or submits an inquiry through the App. This data may include:

• Full name
• Physical address
• Phone number
• Social Security Number (SSN)
• Email address
• Date of birth
• Driver’s license number
• Residential status
• Employment details
• Paycheck amount and frequency
• Homeownership status
• Bank account details

2. Non-Personally Identifiable Information (Non-PII)

This refers to data that cannot directly identify a user. The App collects such information via cookies or third-party tracking technologies. Non-PII may include:

• Internet Protocol (IP) address
• Browser type
• Device type and operating system
• Access times
• Language preferences
• Clickstream data
• Sections of the App accessed by the user

Cookies

Cookies are small data files that are stored on a user’s device during browsing. They help the App recognize users during future visits, although they do not identify individuals personally.

Third-Party Advertisements and Technologies

Some third-party entities, such as advertising networks or lending partners, may display advertisements within the App. These parties may use cookies or similar technologies to track user interactions with their ads. Although these technologies may collect certain user behavior data, the App does not share users’ PII with these advertising partners.

How Personally Identifiable Information Is Used

The App collects and uses PII to facilitate the service users request—namely, to submit loan applications to partner lenders. PII is used for the following purposes:

• Forwarding data to network lenders to evaluate loan applications
• Helping resolve technical issues or disputes
• Enforcing terms, conditions, and other agreements
• Ensuring compliance with legal or operational obligations

PII submitted through the App may also be shared with trusted third-party partners, including financial institutions affiliated with the App, for purposes such as:

• Marketing and promotional offers relevant to users
• Services related to lending or financial products

By providing PII, users consent to this information being shared with such parties under applicable laws.

Sharing of Personally Identifiable Information

To provide its services efficiently, the App may share user data with:

• Partner lenders participating in the network
• Affiliated companies and service providers assisting with service delivery
• Assignees or successors in case of company reorganization or sale

Additionally, PII may be disclosed in the following scenarios:

• In response to legal processes such as court orders or subpoenas
• When cooperating with law enforcement or other government agencies
• To establish or defend legal claims
• As required by applicable laws and regulations
• If necessary to investigate or prevent illegal activity, fraud, or security threats
• To enforce the App’s Terms and Conditions or other operational agreements

User Refusal and Opt-Out Options

By default, users who provide PII through the App are considered to have opted in. However, users have the right to refuse or opt out of further communications from third parties. Opt-out instructions are typically included in any emails or other communications sent by such parties.

External Links and Third-Party Sources

The App may contain links or redirect users to third-party websites or services that operate independently. These external sources are not governed by this Privacy Policy.

Policy Modifications

The App reserves the right to amend, modify, or update this Privacy Policy at any time and without prior notice. Users are encouraged to review the policy periodically.

Children’s Privacy Protection

The App is not intended for individuals under the age of 18. It does not knowingly collect PII from anyone under 18. If such information is discovered, it will be deleted immediately.

Data Security Measures

The App uses a combination of physical, technical, and administrative safeguards to protect users’ data from unauthorized access, use, or disclosure. This includes Secure Socket Layer (SSL) encryption when transmitting data to lending partners.

California Residents – Your Privacy Rights

Under California law, residents have the right to:

1. Request specific details about how their personal data is shared with third parties for marketing purposes.
2. Opt out of data sharing with third parties for marketing.

To opt out of marketing communications, users may follow the instructions provided in such messages or email us directly.

California residents may also file complaints with the following agency:

California Department of Consumer Affairs
400 R Street, Suite 1080
Sacramento, CA 95814
Phone: 916-445-1254 or 800-952-5210
Email: [email protected]