Privacy Policy

Effective Date: 05.06.2025

Rapid Cash Advance LLC ("Company", "we", "us", or "our") operates the Cash Advance Guide - FinBear application ("App") and is committed to protecting the privacy of our users ("you", "your"). This Privacy Policy explains how we collect, use, share, and protect your personal information when you use our App and our lending services.

By using Cash Advance Guide - FinBear, you agree to the collection and use of your information as described in this Privacy Policy.

1. Description of Services

Cash Advance Guide - FinBear is a direct lending platform that provides cash advance loans to eligible users. Through our App, users can apply for loans, receive loan decisions, and manage their loan accounts. We are a financial service provider and handle all aspects of the loan process, from application to repayment.

2. Information We Collect

2.1 Personal Information (Provided by You):

  • Name
  • Contact information (address, email address, phone number)
  • Date of birth
  • Social Security Number
  • Driver's license or other government-issued ID information
  • Employment information (employer, income)
  • Bank account details

2.2 Device and Usage Information (Collected Automatically):

  • IP address
  • Device type, operating system version
  • Unique device identifiers and app settings
  • Usage data (e.g., interactions with features, time spent in the app)
  • Location data (with your consent)

2.3 Information from Third Parties:

  • Credit report information from credit bureaus
  • Identity verification information

3. How We Use Your Information

We use collected data to:

  • Process and evaluate loan applications
  • Verify your identity
  • Fund and manage your loan
  • Provide customer support
  • Improve the App and our services
  • Communicate with you about your account and our services
  • Prevent fraud and ensure security
  • Comply with legal and regulatory requirements

4. Sharing of Information

We may share your information with:

  • Service Providers: third-party companies that assist us with operations such as payment processing, credit reporting, identity verification, and debt collection
  • Credit Bureaus: to report loan activity and creditworthiness
  • Legal and Regulatory Authorities: to comply with legal obligations, enforce our policies, or respond to legal requests
  • Business Partners: in connection with a merger, acquisition, or sale of assets (with notice to you)

We do not sell your personal information to third parties for marketing purposes.

5. Data Security

We implement reasonable security measures to protect your information from unauthorized access, use, or disclosure. These measures include:

  • Encryption of data in transit and at rest
  • Secure server infrastructure
  • Access controls
  • Regular security assessments

However, no method of transmission over the internet or method of electronic storage is completely secure, so we cannot guarantee absolute security.

6. Data Retention

We retain your information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements.

7. Your Rights and Choices

Depending on your location and applicable law, you may have the following rights:

  • Access: you may request access to the personal information we hold about you
  • Correction: you may request to correct inaccuracies in your personal information
  • Deletion: you may request the deletion of your personal information (subject to legal limitations)
  • Opt-Out: you may have the right to opt out of certain data processing activities (e.g., marketing communications)

To exercise these rights, please contact us using the information in Section 10.

8. State-Specific Disclosures

California Residents: The California Consumer Privacy Act (CCPA) provides California residents with specific rights regarding their personal information. Please see our separate CCPA Notice for California Residents.

We comply with other applicable state privacy laws.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the updated policy in the App and/or by other means (e.g., email). Your continued use of the App after the effective date of the revised Privacy Policy constitutes your acceptance of the changes.

10. Contact Information

Rapid Cash Advance LLC
117 S Lexington St, Harrisonville, MO, 64701-2444
Email: support@caplapp.org