Privacy Policy - Borrow1000cash

Updated March 20, 2024

We recognize, respect and protect the personal privacy rights of all our users and work diligently to safeguard your privacy. We are committed to providing a high level of security and privacy regarding the collection and use of our users’ personal information, as well as the personal information of all consumers who visit our website. The following privacy policy explains how we use and protect the information about our users and all consumers who visit our website. We ask that you read it carefully. By using our website or our services, you hereby consent to this privacy policy (“Policy”) and agree to its terms.

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Companies choose how they share your personal information. Consumers have the right to limit some but not all sharing. We are committed to telling you how we collect, share, and protect your personal information. Please read this policy carefully to understand what we do.

What is shared?

The types of personal information we collect and share depend on whether you simply browse our website or whether you submit a loan request on our website. This information generally includes, but is not limited to:

Information you enter on our website or a website in our network, such as:
1. Personal information like your name and date of birth.
2. Age, including whether you are 40 years old or older
3. Social Security number, driver’s license number, and/or other similar identifiers
4. Employment and income information
5. Active military duty status
6. Banking account information
7. Contact information like your email address, phone number, and physical address (including how long you’ve been at that address)
8. Loan information like the amount requested, the loan reason, and when you prefer to be contacted
9. Your communications with us
Tracking data such as:
1. internet protocol addresses,
2. browser / application type,
3. Internet Service Provider,
4. date/time stamp,
5. referring/exit pages, and
6. your activity on our site
Geolocation data

How is it shared?

Companies like ours need to share users’ personal information to run their everyday business. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to keep that personal information confidential. In the sections below, we list the reasons we use and share users’ personal information and whether you can limit this sharing.

Sharing Sensitive Information

As used in this section:

“Sensitive Personal Information” means any of the following information about you: (1) Social Security number; (2) financial institution account number; (3) credit or debit card information; (4) taxpayer identification number; (5) passport number; (6) a driver’s license number or other government-issued identification number; (7) date of birth (other than year); (8) any other information by which your financial account can be accessed, or by which a you might be charged for goods or services, including through third parties such as telecommunications carriers.
“Financial Product or Service” means any product, service, plan, or program represented, expressly or by implication, to (1) provide any consumer, arrange for any consumer to receive, or assist any consumer in receiving a loan or other extension of credit; (2) provide any consumer, arrange for any consumer to receive, or assist any consumer in receiving credit, debit, or stored value cards; (3) improve, repair, or arrange to improve or repair any consumer’s credit record, credit history, or credit rating; or (4) provide information about or provide assistance to improve any consumer’s credit record, credit history, or credit rating.

We will not share your Sensitive Personal Information unless you have requested a Financial Product or Service and (a) the sharing is necessary for a third party to provide the requested Financial Product or Service, (b) we have your express, informed consent for the sharing, and (c) we have conducted certain required screening of the recipients of your Sensitive Personal Information. However, we may share your Sensitive Personal Information where required under applicable law. (For example, to respond to court orders and legal investigations as required by law.)

Who do we share your data with?

Lenders
Networks of lenders
Agents of record for lenders
Financial technology companies that offer loans in partnership with licensed banks.
Other non-affiliates that may be able to offer you or market consumer financial products or services related to your loan request (for example, debit repair and credit monitoring services)
Other non-affiliate service providers to facilitate our marketing to you.

How long do we retain your data?

We use the following factors to determine the retention period of personal information:

to allow you to more easily submit loan requests in the future and to otherwise facilitate future loan requests;
to perform under applicable terms and services to which you agreed;
as necessary in connection with the lawful purposes set out in this Policy;
to comply with applicable laws; and
to establish, exercise or defend our legal rights.

What rights do you have over your data?

We collect your personal information, for example, when you:

Create an account
Request a loan
Provide information on our forms
Navigate to or use our website
Communicate with us
Request a loan through a different website in our network

You cannot limit all sharing at the time you submit a loan request because to connect you with a lender we need to share your information with our network of lenders and other networks of lenders so the lenders in these networks can choose whether to offer you a loan or market their loans to you. However, you can contact us at any time after you submit your loan request to limit all sharing.

Cookies

A cookie is a file which contains data that is stored on a visitor’s hard drive. This data includes information about the visitor. A visitor has the option to reject a cookie and they still will be able to access our Website, however, the user may not have access to certain sections of our Website if cookies are disabled. The purpose of using cookies is to allow us to track the intent of our visitors and enhance visitor experience while using our Website. All cookies, including session cookies and persistent cookies, served on the Website are tied to PII that you provide. Our affiliates and partners may use cookies on our Website, however, we cannot control or access cookies set by third parties.

Minors

We do not knowingly collect or disclose information from children under the age of 18. No information is knowingly collected from children or used for any purpose whatsoever, including marketing and promotional purposes. If a parent or guardian is made aware that a child under the age of 18 has provided us with PII through any point of contact, please contact us using the contact information provided above.

Updates

We may update this Privacy Policy with any changes to our information practices. We reserve the right to change this Privacy Policy at any time. If we make any material changes to our information practices, we will revise this Privacy Policy. We recommend that you read and review this Privacy Policy each and every time you access our website and/or use any service referred to you by us. Your use of the website constitutes your agreement to the terms of the effective Privacy Policy.

California, Vermont, & Nevada Residents

California Residents

We will not share your information with non-affiliates except for our everyday business purposes, for marketing our products and services to you, or with your consent. Also see the section below titled “For California Residents Only.”

You can request that we disclose certain information to you about our collection and use of your personal information over the past 12 months, including:

The categories and sources of personal information we collected about you.
Our purpose for collecting or sharing that information.
The categories of third parties with whom we share that personal information, including the categories of information each category of third parties received and the business reasons for sharing.
The specific pieces of personal information we collected (data portability request).

Deletion Request Rights

We will delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.

We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:

Complete the processing of your loan request or otherwise perform our contract with you.
Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
Debug products to identify and repair errors that impair existing intended functionality.
Exercise another provided for by law.
Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).

Exercising Access, Data Portability, and Deletion Rights

To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by sending an email to [email protected] with the exact subject line “California Resident Exercising Access, Data Portability, or Deletion Rights”.

Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information.

You may only make a verifiable consumer request for access or data portability twice within a 12-month period.

The verifiable consumer request must: (a) Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative and (b) Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Personal Information Sales Opt-Out and Opt-In Rights

You have the right to direct us to not sell your personal information at any time by sending an email to [email protected] with the exact subject line “California Resident Personal Information Sales Opt-Out”.

Non-Discrimination

We will not discriminate against you for exercising any of your rights described in this “For California Residents Only” section or any other rights granted to you under the California Consumer Privacy Act of 2018.

Do Not Track (DNT) signals

We do not track our users over time and across third party websites, and therefore do not respond to Do Not Track (DNT) signals. However, we may use third-party services (e.g., Google Analytics) or have third-party advertising partners (e.g., Google, noted above) who may keep track of your browsing activities. You should review the specific privacy policies of these third parties at the following addresses to learn how they respond to DNT signals:

Google: https://www.google.com/intl/en/policies/privacy/
Amazon: http://www.amazon.com/gp/help/customer/display.html?nodeId=468496
Microsoft: https://www.microsoft.com/en-us/privacystatement/default.aspx

California’s “Shine the Light” law (Civil Code Section § 1798.83)

California Civil Code Section § 1798.83 permits users of this site that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to [email protected] with the exact subject line “California Resident Shine the Light Request”.

Other Disclosures

All of the categories of information described in the “What is shared?” section above have been collected and disclosed by us in the preceding 12 months.

Vermont Residents

We will not share your information with non-affiliates except as permitted by law or as authorized by you. We will not disclose credit information about you to our affiliates except with your consent or as required or permitted by law.

Nevada Residents

We are providing you this notice pursuant to state law. You may be placed on our Do Not Call List by emailing us at [email protected], or contact the Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 1-702-486-3132; [email protected],nv.us.