This Privacy Policy describes how Cash Advance Loan Finder - ADF LLC ("Cash Advance Loan Finder - ADF," "we," "us," or "our") collects, uses, shares, and protects personal information when you use our loan-matching platform (the "Service"). It also explains your rights and choices regarding your information.
By using the Service, you consent to the data practices described in this policy.
1. Introduction
Cash Advance Loan Finder - ADF is a loan-matching service, not a lender. We connect consumers with third-party lenders in our network. This Privacy Policy applies to information collected through our website, mobile application, and any related services.
2. Information We Collect
2.1 Information You Provide Directly
When you use our Service to request a loan match, we collect personal and financial information necessary for lenders to evaluate your request. This may include:
- Personal Identifiers: Full name, date of birth, physical address, email address, phone number, Social Security Number (or last four digits).
- Financial Information: Income details, employment information, bank account number and routing number (for verification, not for withdrawals by Cash Advance Loan Finder - ADF).
- Loan Request Details: Desired loan amount, purpose, and other information related to your inquiry.
2.2 Information Collected Automatically
When you interact with our Service, we and our service providers may automatically collect:
- Device and Log Information: IP address, browser type, operating system, device identifiers, mobile network information, and pages you view.
- Usage Data: Time and duration of your visit, clickstream data, and other diagnostic data.
- Cookies and Similar Technologies: We use cookies, web beacons, and other tracking technologies to collect information about your browsing activities. You can control cookies through your browser settings.
2.3 Information from Third Parties
We may receive information about you from third parties, such as:
- Lenders in our network regarding the status of your loan request.
- Identity verification and fraud prevention services.
- Public databases and data aggregators (to the extent permitted by law).
3. How We Use Your Information
We use the information we collect for the following business purposes:
- To Provide the Service: To match you with potential lenders, submit your loan request to our network, and facilitate communication.
- For Verification and Fraud Prevention: To verify your identity, prevent fraudulent transactions, and protect the security of our Service.
- To Communicate with You: To send you service-related messages, respond to your inquiries, and provide customer support.
- For Marketing (with your consent): To send you promotional offers about financial products or services. You may opt-out at any time.
- To Improve Our Service: To analyze usage trends, conduct research, and develop new features.
- For Legal and Compliance: To comply with applicable laws, regulations, legal processes, and enforceable governmental requests.
4. How We Share Your Information
We may share your information in the following circumstances:
- With Lending Partners: We share the information you provide with third-party lenders in our network to process your loan request. These lenders have their own privacy policies, and we are not responsible for their practices.
- With Service Providers: We engage trusted third parties to perform functions such as data hosting, analytics, customer support, identity verification, and marketing. They are contractually obligated to protect your data.
- For Legal Reasons: We may disclose information if we believe it is necessary to comply with a law, regulation, legal request, or to protect the rights, property, or safety of Cash Advance Loan Finder - ADF, our users, or others.
- Business Transfers: In connection with a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as a business asset.
- With Your Consent: We may share information for other purposes with your explicit consent.
We do not sell your personal information to third parties for their independent marketing purposes.
5. Your Choices and Rights
You have certain choices regarding your personal information:
- Access and Correction: You can review and update the personal information in your account by contacting us.
- Marketing Communications: You can opt-out of receiving marketing emails by following the "unsubscribe" link in any marketing email. You may still receive service-related messages.
- Cookies: Most web browsers allow you to manage cookie preferences. Disabling cookies may affect the functionality of our Service.
- Do Not Track: Our Service does not currently respond to "Do Not Track" browser signals.
Depending on your state of residence, you may have additional rights, such as the right to deletion or data portability. See Section 9 for California residents.
6. Data Security
We implement reasonable administrative, technical, and physical security measures designed to protect your personal information from unauthorized access, use, or disclosure. These include encryption, access controls, and secure servers.
However, no method of transmission over the Internet or electronic storage is 100% secure. Therefore, while we strive to protect your information, we cannot guarantee its absolute security.
7. Data Retention
We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, including to provide the Service, comply with legal obligations, resolve disputes, and enforce our agreements.
8. Children's Privacy
Our Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we learn we have collected such information, we will delete it promptly.
9. California Privacy Rights (CCPA/CPRA)
If you are a California resident, you have the right to:
- Request to know the categories and specific pieces of personal information we have collected about you.
- Request deletion of your personal information (subject to certain exceptions).
- Opt-out of the "sale" or "sharing" of your personal information (as defined by California law). We do not sell your information in the traditional sense, but sharing with lenders for a business purpose may be considered a "sale" or "sharing." To opt-out, please email us.
- Non-discrimination for exercising your privacy rights.
To exercise these rights, please contact us at support@academiedefinance.com.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. If we make material changes, we will notify you by posting the updated policy on this page with a new "Last Updated" date. Your continued use of the Service after such changes constitutes your acceptance of the updated policy.
11. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: