Effective Date: September 6, 2023
Welcome to the "Borrow Money: Fast Cash Loan" app (referred to as the App). This Privacy Policy is designed to provide you with information about how the App operates, the services it offers, and the data it collects.
The App operator does not function as a lender or broker. It does not make credit or financial decisions but instead facilitates loan connections for users. Through the App, user-provided data is securely transmitted to third-party lenders, who determine the Annual Percentage Rate (APR), fees, and other loan requirements.
The App gathers both personally identifiable information (PII) and non-personally identifiable information.
PII is collected when users submit online loan requests or inquiries. This data includes:
Name
Address
Phone number
Social Security Number (SSN)
Date of birth
Driver's license number
Residency status
Employment information
Paycheck amount and frequency
Home ownership status
Bank account information
Non-personally identifiable information is obtained through third-party tracking systems and cookies. This data includes:
User's IP address
Browser type
Time of access
Language
Clickstream information
App sections viewed
Cookies are small pieces of information sent by websites to users' computers to enhance their browsing experience.
The App may share non-personally identifiable information with suppliers and third parties for statistical and trend analysis.
Third parties, including lenders and advertising partners, may display ads on the App and use cookies or other technologies to track user engagement. The App does not disclose PII to these third parties.
PII is collected for the purpose of delivering requested services. The App forwards user data to partner lenders to facilitate dispute resolution, address technical issues, and enforce agreements. The use of PII is limited to what is necessary for service provision.
Users acknowledge that their PII may be shared with credible third parties in compliance with applicable laws, including affiliated financial providers, for marketing and advertising purposes. The App retains the right to share, trade, or disclose user information to third parties.
The App operator does not have access to information submitted in the registration form. All credit requests are securely communicated to trusted direct lenders in the network. By providing PII, users enable partner lenders to contact them regarding loan requests and processing, waiving the right to raise complaints with external agencies.
The App's services are provided by third parties. To enhance service delivery, the App may share user information with these third parties. Personal information may also be communicated to participating lenders, affiliates, and assignees as necessary.
Other third parties adhere to their own privacy policies regarding the use and disclosure of personally identifiable information.
The App may disclose PII in response to a court order, subpoena, or similar investigative request. It may cooperate with law enforcement agencies for the establishment or enforcement of legal rights, protection of legal claims, or as otherwise required by law. PII may also be disclosed for investigations into illegal activities, fraud, or to protect the rights, property, or safety of the parent company, its personnel, site users, or others.
By default, when users submit PII, they opt-in. However, users have the right to decline subsequent communications from third parties.
The App may link or redirect users to third-party sources not covered by this Privacy Policy. For more information, please review the terms of use and privacy policy of those sources, as the App does not control or manage them.
The App may revise, modify, update, or amend its policy, content, information, promotions, disclosures, disclaimers, and functions at any time and without advance notice, at its sole discretion.
This App is intended for use by individuals over the age of 18 or the age of majority in their jurisdiction. The App does not knowingly collect Personal Identifiable Information from children under the age of 18.
The App utilizes security technologies to protect user information from unauthorized use, access, and disclosure. When data is transmitted to creditors over the Internet, it is secured by Secure Socket Layer (SSL) encryption.
Companies that collect personally identifiable information from California residents and share it with third parties for advertising purposes must respond to a consumer's request in one of two ways. They must either provide a list detailing the types of information disclosed and the entities it was released to, or provide a mechanism for the consumer to opt out of having their information disclosed. You can opt out of receiving marketing materials by mail.
California residents can also complain and file grievances with the California Department of Consumer Affairs. You can contact them at 400 R Street, Suite 1080, Sacramento, CA 95814, by calling 916-445-1254 or 800-952-5210, or by email at [email protected].
If you have any questions about the use of the "Borrow Money: Fast Cash Loan" App, feel free to reach out to us via email at [email protected].