Privacy Policy

This Privacy Policy explains how this App (the “App,” “we,” “us,” or “our”) handles information when you use our mobile application and related services. We designed this Privacy Policy to explain, in practical terms, what information may be collected, why it may be needed, how it may be used, and the circumstances in which it may be shared. By using the App, you acknowledge that you have read this Privacy Policy.

1. Our Role

This App is a technology platform that helps users connect with an independent lending partner. We are not a lender, bank, credit provider, or financial institution. We do not independently make lending decisions, approve or decline loan applications, determine interest rates or repayment terms, or fund loans.

Any loan offer, approval, underwriting decision, loan agreement, funding, and applicable loan terms are determined by the independent lending partner. Because our role is primarily to facilitate the application and connection process, some information you provide through the App may need to be transmitted to the applicable lending partner for processing.

2. Information We May Collect

The information we collect depends on how you use the App and the information required to process your request.

Information You Provide

You may provide information such as:

• Full name;
• Date of birth;
• Residential address;
• Email address;
• Telephone number;
• Information relating to your employment or source of income;
• Income information;
• Banking or payment-related information when required for an application or funding process;
• Information you submit in connection with a loan request;
• Information you provide when contacting customer support.

Please do not provide information that is not requested by the App or necessary for the relevant service.

Application and Financial Information

When you choose to submit a loan request, information necessary to evaluate and process that request may be collected and transmitted to our independent lending partner. Depending on the application process, this may include financial, income, employment, banking, and other information relevant to determining eligibility. We do not make the lending decision ourselves.

Device and Technical Information

When you access the App, certain technical information may be collected automatically. This may include:

• Device type and operating system;
• App version;
• General device configuration;
• IP address;
• Mobile network or internet connection information;
• Crash and diagnostic information;
• Information about how the App is used.

This information helps us operate, maintain, troubleshoot, and improve the App.

Information You Provide to Support

If you contact us, we may retain the information contained in your communication, including your contact information and the details necessary to respond to your request.

3. How We Use Information

We may use information for purposes including:

Providing the App

We use information to:

• Operate and maintain the App;
• Provide requested features and functionality;
• Process application-related requests;
• Facilitate communication with the independent lending partner;
• Respond to questions and support requests;
• Maintain the reliability and security of our services.

Application Processing

Information submitted through the App may be used to facilitate the transmission and processing of a loan request by the applicable independent lending partner. The independent lending partner is responsible for its own underwriting and lending decisions.

Communications

We may use contact information to communicate with you about:

• Your use of the App;
• Application-related matters;
• Service notices;
• Security or account issues;
• Customer support requests;
• Changes to our services or policies.

Where legally required, we will obtain appropriate consent before sending certain categories of electronic communications.

Security and Fraud Prevention

We may use information to:

• Protect the App and our systems;
• Detect suspicious or unauthorized activity;
• Prevent fraud and abuse;
• Investigate security incidents;
• Protect users, our business, and third parties.

Legal and Compliance Purposes

Information may be used when reasonably necessary to:

• Comply with applicable laws and legal requirements;
• Respond to lawful requests from government authorities;
• Establish, exercise, or defend legal claims;
• Enforce our terms and policies;
• Protect our rights and property.

Analytics and Improvement

We may use technical and usage information to understand how the App performs, identify technical problems, measure functionality, and improve the user experience.

4. How We Share Information

We do not share information with third parties indiscriminately. Information may be disclosed when reasonably necessary to provide the App, process a request, maintain our services, or comply with legal obligations.

Independent Lending Partner

When you submit a loan request, information necessary to process that request may be shared with our independent lending partner. The lending partner may use the information to evaluate your request, perform applicable verification or underwriting activities, determine whether to extend credit, provide loan terms, and perform other activities associated with the lending relationship. The lending partner’s handling of information is governed by its own privacy practices and agreements.

Service Providers

We may use third-party companies to perform services on our behalf, such as:

• Hosting and infrastructure;
• Application functionality;
• Technical support;
• Analytics;
• Security;
• Fraud prevention;
• Communications;
• Data processing and related operational services.

These providers receive only the information reasonably necessary to perform the services for which they are engaged and are expected to handle information in accordance with applicable contractual and legal requirements.

Legal Disclosures

We may disclose information when we reasonably believe disclosure is necessary to:

• Comply with a law, regulation, subpoena, court order, or other legal process;
• Respond to a valid governmental request;
• Protect the safety, rights, or property of users or other persons;
• Investigate suspected fraud, abuse, or security issues;
• Enforce our agreements.

Business Transactions

If our business or some of its assets are involved in a merger, acquisition, financing, reorganization, sale, bankruptcy, or similar transaction, information may be transferred as part of that transaction, subject to applicable law.

With Your Direction

We may share information when you specifically direct us to do so or otherwise authorize the disclosure.

5. Information We Do Not Need

The App is intended to collect information relevant to providing its services and facilitating loan requests. We do not ask you to provide information that is unrelated to the functionality or services you are requesting. You should not submit sensitive information through free-form fields unless the App specifically requests it.

6. Cookies and Similar Technologies

The App and related services may use technologies such as cookies, software development kits, pixels, or similar tools where necessary for technical operation, analytics, security, or service improvement. These technologies may help us understand:

• Whether the App is functioning correctly;
• How features are being used;
• Whether technical errors are occurring;
• How users interact with our services.

The technologies used may vary over time as our services develop. Where applicable law provides you with choices concerning certain tracking or advertising technologies, we will provide the required mechanisms to exercise those choices.

7. Third-Party Services and Links

The App may interact with third-party services or contain links to websites, applications, or services operated by others. Third parties may have their own privacy policies and information practices. We are not responsible for the privacy practices of independent third parties. We encourage you to review the privacy notice of any third-party service before providing information directly to that service.

8. Data Retention

We retain information for as long as reasonably necessary for the purposes described in this Privacy Policy, including to provide services, maintain appropriate business and financial records, resolve disputes, enforce agreements, prevent fraud, and comply with legal obligations.

The length of time information is retained depends on the type of information, why it was collected, applicable legal requirements, and legitimate business needs. When information is no longer reasonably required, it may be deleted, anonymized, or otherwise disposed of in accordance with applicable requirements.

9. Data Security

We use reasonable administrative, technical, and organizational safeguards designed to protect information against unauthorized access, alteration, disclosure, or destruction.

No electronic transmission or storage system can be guaranteed to be completely secure. For this reason, while we take reasonable precautions to protect information, we cannot guarantee absolute security. You are also responsible for maintaining the security of your device and any credentials used to access services.

10. Children’s Privacy

The App is intended for adults. We do not knowingly collect personal information from children under 18 through the App. If we learn that we have collected personal information from a child under 18 in a manner that is not permitted by applicable law, we will take reasonable steps to delete the information.

11. Your Privacy Rights

Depending on where you live, you may have rights regarding your personal information. These rights may include, subject to applicable legal limitations:

• The right to know or access information we hold about you;
• The right to request correction of inaccurate information;
• The right to request deletion of certain information;
• The right to obtain information about how personal information is used or disclosed;
• The right to opt out of certain forms of data sharing or targeted advertising where applicable;
• The right to limit certain uses of sensitive personal information where applicable;
• The right to appeal a privacy-rights decision where required by law;
• The right to receive equal service without unlawful discrimination for exercising applicable privacy rights.

Not every right applies in every jurisdiction, and certain information may be exempt from deletion or other requests where retention is required or permitted by law.

12. How to Exercise Your Rights

If you would like to make a privacy request, please contact us using the contact information provided below. When processing a request, we may need to verify your identity to protect personal information from unauthorized disclosure or deletion.

We will review and respond to valid requests within the period required by applicable law. If your request is denied, where required by law, we will explain the reason and provide information about any available appeal process.

13. State-Specific Privacy Rights

Certain U.S. states provide residents with additional privacy rights. Depending on your state of residence, you may have additional rights concerning access, correction, deletion, portability, sale or sharing of personal information, targeted advertising, profiling, or the processing of sensitive information.

Where applicable law grants you additional rights, we will process your request in accordance with those requirements. Nothing in this Privacy Policy limits rights that cannot lawfully be waived under applicable law.

14. Financial Information

Because the App facilitates access to financial services, some information submitted through the App may relate to your income, employment, banking information, or other financial circumstances.

We use such information only as reasonably necessary to provide or facilitate the requested services, process applications, maintain security, comply with applicable obligations, and perform the other purposes described in this Privacy Policy. Where information is transmitted to an independent lending partner, that partner may process the information under its own privacy practices and applicable legal requirements.

15. Information Collected From Other Sources

In certain circumstances, information may be received from third parties when this is necessary to provide the requested service, verify information, protect against fraud, maintain security, or facilitate an application. The types and sources of such information depend on the services you request and the third parties involved in processing your request.

16. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to our services, technology, legal requirements, or information practices. When we make changes, we will update the Effective Date shown at the beginning of the Privacy Policy. If a change is material and applicable law requires additional notice, we will provide notice through an appropriate method.

17. Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us through the support or contact method provided within the App.

Privacy inquiries should include enough information for us to understand the nature of your request, but please do not send passwords, full bank account credentials, or other unnecessary sensitive information by email or through a general support form.