Effective Date: May 24, 2024
This Privacy Policy describes how the “ Instant Payday Loans: Get Cash” mobile application (the “App”) collects, uses, and protects user information.
Disclaimer
The App is not a credit broker or financial institution. It does not make decisions regarding loan approvals or terms. Instead, its primary function is to connect prospective borrowers with a network of lending institutions.
Data Collection Overview
The App gathers user information through a form, which is encrypted and securely shared with partnered lenders. These third parties determine any loan offers, including interest rates (APR), fees, and loan agreement terms.
Information Collected by the App
The App collects two types of information: Personally Identifiable Information (PII) and Non-Personally Identifiable Information (Non-PII).
PII is obtained when users fill out the loan request form, attempt to engage with a lending partner, or contact customer support. This may encompass the user’s name, address, birth date, email, phone number, Social Security Number (SSN), citizenship status, employment details, income level, driver’s license information, housing status, and bank account details.
Non-PII, such as referral URLs, IP addresses, device and browser specifics, language preferences, and user interaction data within the App, may be gathered using cookies and web analytics tools. This information aids in enhancing the App’s performance and user experience. Users can opt to disable cookies, which are small files stored on their devices.
Non-PII may be shared with lender partners for purposes like statistical analysis and user behavior insights. Advertising networks and lending partners may also utilize cookies to collect Non-PII, which is maintained separately from PII.
Use of Personally Identifiable Information
The use of PII is limited to what is necessary to provide the loan services effectively. By using the App and submitting a loan request, users consent to their PII being shared with third parties as required under applicable federal and state laws.
Users also agree that their information may be used for advertising and marketing purposes. The App reserves the right to disclose PII to third parties in connection with these activities.
PII submitted via the loan request form is encrypted and securely transmitted to lending partners. The App’s operators do not have access to this information. Upon submission, users agree to receive communications from the lending partners concerning the loan request and any related services.
Sharing of Personally Identifiable Information
To facilitate the loan process, PII is shared with lending partners. Additionally, the App may share PII with affiliates or third parties to enhance user experience and service offerings.
Under certain circumstances, such as compliance with legal obligations or in response to legal claims, PII may be disclosed to external entities, including law enforcement or regulatory bodies. PII may also be used to investigate or prevent fraud or other unlawful activities.
Opt-Out Rights
Users may opt out of receiving further communications from third parties or the use of their PII following the submission of a loan request form. However, using the App initially implies consent to these communications.
Third-Party Links
Upon submitting a loan request, users may be redirected to third-party lender websites, each governed by its own privacy policy and terms. The App is not responsible for the content or practices of these external sites, and users are encouraged to review their policies.
Policy Modifications
The App reserves the right to make changes to its features, content, policies, or disclosures at any time, without prior notice. Modifications are made at the discretion of the App operator.
Protection of Minors
The App does not knowingly collect PII from individuals under 18 years of age. The App is not designed for use by minors, who are generally not eligible for loans or credit in most jurisdictions.
Security Measures
The App utilizes SSL encryption and other security protocols to protect user information from unauthorized access or disclosure. Once PII is transmitted to lending partners, the App is no longer responsible for its security.
Contact Information
For any questions regarding this Privacy Policy, please contact us at: [email protected]