Privacy Policy
How the App Collects, Uses, Shares, and Protects Your Personal Information
This Privacy Policy explains what personal information the App collects, how we use it, who we share it with, how long we keep it, and the choices available to you. It applies to individuals using the App within the United States.
Throughout this Policy, “we,” “our,” and “us” refer to the Company operating the App, while “you” refers to the individual using the App. This Privacy Policy should be read together with our Terms of Use.
Quick Overview
- We collect only the information necessary to operate the App and submit your loan inquiry to our Lending Partner for evaluation.
- We do not sell your personal information or rent it to third parties for advertising purposes.
- Your information is shared only with:
- our Lending Partner reviewing your loan inquiry;
- carefully selected service providers that help operate the App.
- We protect your information using industry-standard encryption during transmission and storage.
- You may request access to, correction of, or deletion of your personal information through the privacy tools available within the App.
Information We Collect
Information You Provide
The information you choose to provide may include:
- your legal name;
- date of birth;
- residential address;
- email address;
- mobile phone number;
- a photograph of your government-issued identification (when identity verification is required);
- your Social Security Number for identity verification and credit evaluation;
- employment and income information;
- checking account and routing information for an account registered in your name;
- details regarding your requested loan;
- communications you send to our customer support team.
Information Collected Automatically
When you use the App, we automatically collect certain technical information, including:
- device model;
- operating system version;
- mobile carrier;
- language preferences;
- time zone;
- IP address (used to determine an approximate location);
- App activity, such as screens viewed and features used;
- crash reports and diagnostic information.
Information Received From Third Parties
To process your loan inquiry, we may receive information from trusted third parties, including:
- consumer reporting agencies providing credit information;
- identity verification providers confirming your identity documents;
- bank account verification services (when authorized by you);
- fraud prevention services;
- our Lending Partner, who provides the outcome of your loan inquiry.
Why We Use Your Information
We use your information only for legitimate business purposes, including to:
- operate and maintain the App;
- process your loan inquiry;
- verify your identity;
- detect and prevent fraud;
- submit your inquiry to our Lending Partner for review;
- improve the reliability and security of the App;
- analyze aggregated or de-identified usage information to improve our services;
- send service-related communications;
- send promotional communications only if you have chosen to receive them;
- comply with applicable legal and regulatory obligations.
How We Share Your Information
We never sell your personal information.
We share information only in the following circumstances.
Our Lending Partner
We provide the information necessary for our Lending Partner to evaluate your loan inquiry.
The Lending Partner is an independent financial institution with its own privacy practices. We encourage you to review its privacy policy before accepting any loan offer.
Service Providers
We work with a limited number of trusted companies that help us operate the App, including providers of:
- cloud hosting;
- messaging services;
- analytics;
- fraud detection.
These providers may use your information only to perform services on our behalf and are required to protect it appropriately.
Professional Advisors
Information may be shared with attorneys, auditors, accountants, or similar professional advisers when reasonably necessary and subject to confidentiality obligations.
Legal Requirements
We may disclose information when required by law, including in response to court orders, subpoenas, regulatory requests, or when necessary to prevent fraud or serious harm.
Business Transfers
If our business is involved in a merger, acquisition, or sale, your information may be transferred to the successor organization.
If such a transfer materially affects how your information is handled, we will provide advance notice within the App whenever required by law.
How We Protect Your Information
We use administrative, technical, and physical safeguards designed to protect your personal information.
These measures include:
- encryption during transmission and storage;
- restricted employee access based on business need;
- multi-factor authentication;
- continuous security monitoring;
- periodic independent security assessments;
- incident response procedures;
- employee privacy and security training.
Although no security system can guarantee absolute protection, we continuously work to maintain appropriate safeguards.
You can also help protect your account by using a strong, unique password, signing out when appropriate, and notifying us immediately if you suspect unauthorized access.
If a security incident affecting your personal information occurs, we will notify you as required by applicable law.
Data Retention
We retain personal information only for as long as necessary to:
- maintain your account;
- process active loan inquiries;
- satisfy legal, regulatory, accounting, and recordkeeping obligations.
Generally:
- loan inquiry records are retained for the periods required under applicable federal and state financial laws;
- audit logs may be retained for up to seven years;
- aggregated or de-identified information may be retained indefinitely because it cannot reasonably identify you.
When information is no longer required, it is securely deleted or permanently anonymized.
Your Privacy Rights
Depending on applicable law, you may have the right to:
- request confirmation that we hold your personal information;
- obtain a copy of your personal information;
- request correction of inaccurate information;
- request deletion of personal information, subject to legal retention requirements;
- withdraw previously provided consent, including marketing consent;
- exercise your rights without unlawful discrimination.
To submit a request, use the privacy options available in the Help Center within the App.
We will verify your identity before processing your request and respond within the time required by applicable law.
Authorized agents may submit requests on your behalf if proper written authorization is provided.
Children's Privacy
The App is intended only for individuals who are at least eighteen years old.
We do not knowingly collect personal information from children.
If we become aware that information has been collected from someone under eighteen, we will promptly delete the information and close the associated account.
Technologies Used by the App
Because this is a mobile application rather than a website, traditional browser cookies are generally not used.
The App may instead use software development kits (SDKs) provided by trusted analytics, diagnostics, and messaging providers.
These technologies collect device and usage information described in this Policy.
Where available, you can manage these technologies through the App's privacy settings and your device permission controls.
Links to Third-Party Services
The App may include links to websites or services operated by third parties.
This Privacy Policy applies only to our App.
When you leave the App, the privacy practices of those third parties govern their handling of your information.
Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our services, legal obligations, or business practices.
Each version includes an effective date.
If a material change affects how we use your information, we will provide advance notice within the App whenever required by applicable law.
Minor updates become effective when the revised Policy is published.
Contact Us
If you have questions about this Privacy Policy or wish to exercise your privacy rights, please use the Help Center available within the App.
If you cannot access the App, you may contact us through the support link listed on the App's store page.
We generally acknowledge privacy-related requests within two business days.