Privacy Policy

The following Privacy Policy is for the “Borrow Money: Cash Advance App” mobile app (The “App”). It defines the services The App offers.

Disclosure

The operator of The App does not make lending or any other loan-related decisions and is neither a lender nor broker. It provides a loan connection tool for users to request loans from third parties.

The App captures, encrypts, and sends user data to these third-party Lender Partners who are solely responsible for interest rates, fees, and all other loan decisions and terms.

The Information The App Collects

The App captures both personally identifiable information (PII) and non-personally identifiable information (non-PII). PII is data that can identify an individual, while non-PII is anonymous data that cannot be tied directly to an individual.

A user’s PII is captured when they complete the online loan request form via the App, which is sent to the network of lenders. PII may also be captured by the App when a user sends support questions.

PII collected may include but is not limited to full name, address, DOB, email address, phone number, social security number (SSN), driver’s license number, citizenship, monthly or weekly income, employment status, homeownership, and checking account details.

Non-PII is captured through the use of standard web analytics or trackers, and “cookies”. This may include but is not limited to IP address, web browser, time of access, language used, referring page, and the pages the user explores on the App.

Cookies are data sent by websites or applications through a user’s web browser, that are stored in the background on their device. They recognize the user each time they visit without personal identification.

The App reserves the right to share non-PII with others for the purpose of web tracking and analysis.

Furthermore, other third parties including Lender Partners and advertising partners may display adverts within the App, which may contain their own tracking cookies.

These also collect non-PII for the purpose of online advertising. The App does not share the non-PII it collects with these third parties, rather they collect their own non-PII both on the App and on all the other websites and apps they participate.

How the App Uses Personally Identifiable Information

The App uses the PII you provide through the Request Form in order to deliver the products or services you have requested; provide you with customer support; communicate with you by email, postal mail, telephone, and/or mobile devices (including through short messaging services, or “SMS”) about products or services that may be of interest to you either from the App, Lender Partners, other third party lenders, the App’s marketing partners, or other third parties; display advertising tailored to your interests or background; perform data and statistical analysis on use of the website; enforce the App’s terms of use and perform any other functions otherwise described to you at the time the App collects the information.

The App may review and use your financial information and your social security number to connect you with Lender Partners or other third-party lenders with whom the App has a business relationship.

The App may also review your financial information and social security number to verify your identity and protect against possible fraudulent transactions.

Sharing Personally Identifiable Information

The service provided by the App is reliant on the loan products supplied by Lender Partners. Therefore, the App is free to share PII with these parties in order to provide a better overall service. The App also reserves the right to share PII with other affiliates and assignees whenever it is deemed necessary for the aim of improving the service.

The third parties have their own privacy policies describing the way they use and/or disclose personal information.

The App may share PII with law enforcement agencies or other government agencies as a response to a court order, subpoena, or similar investigative demand; as part of establishing or exercising its legal rights; to defend against legal claims, or if otherwise compelled by law.

PII may be also disclosed in the process of investigating, preventing, or acting regarding illegal activity, suspected fraud, or other wrongdoing; to protect and defend the rights, property, or safety of the App’s parent company, its employees, website users, or others; or to enforce the Terms and Conditions or other agreements or policies.

Opt-Out

Providing PII via the loan request form constitutes a formal opt-in. Users have the right to opt-out of correspondence with any third party that contacts them as a result.

Links to Other Websites

At times the App will publish links or automatically redirect users to third-party sites that are beyond the scope of this Privacy Policy.

It is the user’s responsibility to review the terms and privacy policies of any such sites themselves, as the App has no operational role in administering them.

Changes

All content, information, policies, disclosures, disclaimers, promotions, and features contained within the App may be revised, modified, updated, and/or supplemented at any time and without prior notice at its sole and absolute discretion.

Children’s Privacy

Users under the age of 18 or the age of majority in your jurisdiction are not permitted to use the App. The App does not knowingly capture PII from children or anyone under the age of 18.

Security

The App uses industry-standard encryption and other security methods for protecting user data from unauthorized access, use, and/or disclosure. Data is sent securely to Lender Partners over the Internet.