Effective as of 05/15/2023
The Privacy Policy at CashLendy.com (henceforth referred to as 'we', 'us', 'our', 'Website' or 'Site') is a comprehensive document that outlines and clarifies the process of data collection, storage, dissemination, and utilization on our Website. This policy has been crafted to ensure the safety and protection of user information provided on our platform.
This Privacy Policy highlights how both personal and non-personal information is utilized on the Website. If you have previously submitted your data and wish to remove your details from any records linked to the Website under our jurisdiction, you can reach us directly via the contact details provided on the Website.
Our Website's services are accessible only to legal U.S. residents who are 18 years or older. The Website's operations comply with federal, state, and local laws of the U.S. Therefore, when you willingly register on the Website by submitting your details via the online form and accepting this Privacy Policy and the Website's Terms and Conditions of Use, you acknowledge that the handling of the data you provide on the Site is governed by these documents. Therefore, we recommend that you review these documents thoroughly before providing your information on the Website.
Should you disagree with or misunderstand the clauses of the Terms and Conditions of Use and Privacy Policy of this Website or decline to accept the stipulations of the documents mentioned above, you must discontinue using the Website's services and refrain from providing your information or registering on the Website via the online form or any other means. If you have any queries regarding the usage of the Website or its services, you can reach us via the contact details provided on the Website. If you choose to abstain from using the Website, you should exit this and all other pages of this Website.
For registration on the Website and use of its services, you are required to provide your Personally Identifiable Information (PII) via the online form on the Website. The handling of this data is governed by the provisions of this Privacy Policy. This data is critical for us to deliver the service you request on the Website. If you decide to stop using the Website or its services, you should not submit your PII. PII includes but is not limited to your full name, address, email address, phone number, date of birth, employment details, Social Security number, other ID data, and banking details.
Please note that your Social Security number and banking information is used exclusively to facilitate our search and matching service and will not be shared with third-party marketers or any other third parties, except where required by law or special directives from authorized parties (including but not limited to issues of national security or similar).
In addition to PII, we also gather your Non-Personally Identifiable Information (NPII) when you use the Website, regardless of whether you submit any personal information. NPII includes but is not limited to user behavior data such as Internet Protocol (IP) data, browser specifics, geographical location, operating system, referral and exit pages, date and time details, Internet Service Provider (ISP) information, etc. The NPII we collect can be shared with third parties we contract with unless you choose to hide your NPII or request us directly to stop using your NPII.
By acknowledging the Terms of Use and our Privacy Policy, you affirmatively accept that we, along with third-party lenders and marketers, may utilize your Personally Identifiable Information (PII) for promotional endeavors, comprising but not limited to email and telecommunication marketing, as permitted by the provisions of this Privacy Policy.
Your PII may serve as a medium for direct and indirect communications, including but not limited to telecommunication marketing calls, support calls, and proposals related to credit products and services via the phone number you provided in the digital form. We or third-party lenders and marketers may utilize this number even if it is included in any corporate, state, or federal 'Do-Not-Contact' registers, suppression lists, or similar. Given that your submission of information via the online form is seen as an attempt to purchase or acquire a service, the processing and application of your request comply with the Amended Telemarketing Sales Rule, 16 CFR §310 et seq. (the "ATSR"). ATSR allows us to contact you, even if your phone number is listed in the FTC Do-Not-Call List, using telemarketing upon your provided consent. As your request for service from third-party marketers on the Website is also deemed an attempt to make a purchase, under ATSR, these third-party marketers also have the authority to contact you using telemarketing.
By consenting to use the Website and providing your information to utilize our services, you validate that you are at least 18 years old and legally authorized to own and use a mobile device. You also confirm that you are aware of and comprehend the responsibilities and potential charges linked to your engagement in telemarketing campaigns. Your service provider may also gather your information. These procedures and interactions with your service provider are governed by the policies and terms outlined by these organizations and do not relate to this Privacy Policy or other regulatory documents on this Website.
Should you decide to utilize the Website or the Websites of third-party lenders and marketers, you may encounter the use of cookies, web beacons, pixel tags, browser analysis tools, and web server logs. These tools, small files, or pieces of code, are used to monitor and document features of your online activity, such as your geographical location, IP address, language preferences, click history, browsing history, and your operating system and browser settings. All this information, deemed as your Non-Personally Identifiable Information (NPII), is collected and stored to enhance the customization of your online activity.
These are unique small files assigned by a website server to its users when they visit and interact with the Website. Once installed on the user’s device, these cookies collect information about the user’s online behavior, browsing details, and user experience, which is sent to us or third-party entities authorized to collect this information. Cookies are used to recognize users, analyze their preferences, and tailor online services based on the gathered information. Additionally, these small files can detect fraudulent activity and prevent security breaches.
Cookies vary in size and lifespan (temporary or permanent ones). Session or temporary cookies are used for a single operation on the Website and are deleted shortly after the user exits the browser or website. Permanent or persistent cookies are stored longer and persist even after exiting the webpage or browser. You can manually manage your cookie preferences in your browser’s settings and delete these small files if you deem it necessary. More information about cookies and cookie management can be found at http://www.cookiecentral.com/ and http://www.aboutads.info.
We firmly prohibit the collection of information from individuals below 18 years of age on our Website. We have instituted filters that prevent such individuals from sharing their information on our platform. If we discover any personal data received from a user under 18 years old, we will delete it immediately. We abide by the Children’s Privacy Protection Act ("COPPA"), and this Privacy Policy is designed in accordance with the provisions of this Act.
Under the Federal Electronic Signatures in Global and National Commerce Act, users who provide their consent and e-sign electronic documents thereby agree to receive disclosures, notifications, and documents in electronic format. They also agree to share their information in accordance with privacy policies, terms of use, and other relevant laws and regulations. After submitting information via the Website, users agree to receive electronic notifications, documents, and disclosures, and information directly from the Website and electronic communications with our third-party marketers and lenders. These electronic communications are considered “in writing” and have the same validity and effect. Copies should be printed for record-keeping.
We, and our third-party marketers, reserve the right to cease providing electronic documentation, notifications, and other forms of e-communication. In such instances, affected users may receive prior notification of discontinuation in accordance with policy provisions, terms regulating business relationships, and other applicable laws and regulations. Hard copies of documents and records originally in electronic form need not be produced or stored to facilitate expense reduction. All electronic records, disclosures, and documents will be destroyed in accordance with regulatory requirements. These electronic records can serve as a legitimate evidence to validate rights, agreements, and obligations associated with these e-documents.
Our Website hosts links to third-party websites and may include links to third-party marketers. As a matching service, we may connect our Website users to third-party lenders via these links. The privacy of information provided by users on external sites is regulated by the policies of those sites and is not our responsibility. These third parties have their privacy policies and regulatory documents, which we strongly advise you to review before sharing any personal information on their sites.
We adhere to federal and state regulations and codes. Personal information usage varies across states. Some state regulations mandate disclosure of how and when collected information will be shared and the parties to which it will be transmitted. They may also require disclosure of the types of personal information to be shared and how third parties are expected to use it. If you are a resident of a state with specific regulations, we recommend contacting us directly for detailed information. Each request will be processed individually. We reserve the right to refuse such requests if they originate from users residing in states without such specific regulations.
The Website owner reserves the right to modify this Privacy Policy at their discretion, without prior notice. Should changes occur, the updated information will be posted on the Website, and the effective date of the document will be revised to reflect the most recent update. By default, all information is used according to the version of the Privacy Policy in effect at the time of data collection. Users have the right to decide whether or not they accept these terms. However, we urge all Website users to review the Privacy Policy regularly to stay informed and respond as they deem fit.
Website users have the right to modify, amend, or withdraw their personal information collected on the Website. If needed, users wishing to alter their information should contact us via email at [email protected] or through the contact details provided on the Website. If any user has a complaint regarding the Website or any of its services, they should use the provided contact details to share their concerns. We pledge to review all requests and complaints promptly and thoroughly and to resolve them in a reasonable and timely manner.
We retain personal data collected through the Website for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements. To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of your personal data, the purposes for which we process your personal data, and whether we can achieve those purposes through other means, and the applicable legal requirements.
We take the protection of your data very seriously. The Website has implemented several physical, electronic, and managerial procedures designed to protect the information we collect online. Our data protection strategies, unfortunately, cannot guarantee 100% security. Thus, while we strive to protect your information, we cannot and do not guarantee or warrant the security of any information transmitted to or from our Website, and you do so at your own risk.
Our Website and the services we provide are hosted and offered in the United States of America. If you are accessing the Website from another country, please be aware that your information may be transferred to, stored, and processed in the United States. The data protection laws in the United States might not be as comprehensive as those in your country. By using our services, you consent to your information being transferred to our facilities and to the facilities of those third parties with whom we share it as described in this Privacy Policy.
Depending on where you reside, you may have certain rights with respect to your personal information. These rights may include, among others, the right to: (a) access your personal data; (b) correct, update, or delete your personal data; (c) restrict or object to the processing of your personal data; (d) receive your personal data in a usable electronic format and transmit it to a third party (right to data portability); and (e) lodge a complaint with your local data protection authority.
If you would like to discuss or exercise such rights, please contact us at the details below. We encourage you to contact us to update or correct your information if it changes or if the personal data we hold about you is inaccurate.
If you have any questions, concerns, or complaints about this Privacy Policy, our practices, or our services, you may contact our Office of the Data Protection Officer by email at [email protected].
