The software platform functions only as a digital interface and technology facilitator, not as a lender. Under no legal theory does the software platform act as a direct lender, indirect creditor, financial broker, loan originator, loan arranger, or decision-maker for credit evaluations. The software platform has no authority or control over loan approvals, application rejections, credit scores, interest rates, annual percentage rate calculations, service fees, payment schedules, loan amounts, or loan terms. By using or accessing the software platform, the user fully agrees to these data terms, operating rules, legal limits of liability, and boundaries governing the relationship with the software platform.
The software platform collects personal information that the user voluntarily provides when using the interface. This information includes the user's full legal name, date of birth, primary email address, telephone number, residential address, financial details such as income and banking information, and Social Security number. At the same time, the software platform automatically collects technical data created by device interaction. This technical data includes the Internet Protocol address, device type, hardware model, operating system, application version, device identifiers, screen viewing activity, timestamps, usage metrics, crash reports, network metrics, and security logs used to detect unusual activity.
All collected personal, financial, and technical data is used only for specific operational purposes: to maintain, analyze, improve, troubleshoot, and update the software platform; to process and send user requests; to transmit inquiries to the single independent lending partner; to verify user identity; to prevent fraud and security issues; to handle customer support; and to follow legal obligations. The software platform does not perform credit checks, financial risk scoring, credit report checks, loan approvals, or application rejections. The software platform acts only as a secure communication channel connecting the user to the single independent lending partner without changing the user's financial details.
The software platform does not sell, rent, or license personal information to outside parties. Data is shared only when necessary for operations, mainly by sending data to the single independent lending partner to evaluate loan requests without sharing it across broader lending networks. Data may also be shared with tested service providers, hosting vendors, analytics workers, security services, or support staff to keep the software platform running smoothly under strict rules of confidentiality and restricted use. In addition, personal data may be shared to follow a legal order, subpoena, law enforcement request, legal duty, or during a business merger, acquisition, asset sale, bankruptcy, or corporate change.
The software platform uses administrative, physical, and technical safeguards — such as access limits, two-factor authentication, secure servers, activity logs, intrusion monitoring, and full data encryption during transfer and storage — to protect personal data from unauthorized access, loss, changes, exposure, or destruction. However, no internet transmission or electronic storage method is 100% secure. Personal information is kept only as long as needed for operational needs, legal rules, fraud protection, security, resolving disputes, and recordkeeping. Once these retention periods end, the software platform permanently deletes, anonymizes, or disposes of the electronic records and files.
The user has the legal right to ask for account deletion and the permanent removal of eligible personal data through the account settings or customer support. Certain data must be kept if required by law, reporting rules, fraud prevention, dispute handling, or security audits. Depending on local laws, the user may ask to see stored personal data, fix inaccurate details, delete qualifying records, review collection details, withdraw consent for processing, or appeal privacy decisions after verifying identity.
Only adults who are at least 18 years old are allowed to use the software platform. The software platform does not knowingly collect, process, or keep personal data from anyone under 18 years old. If the software platform learns that data from a minor under 18 years old was collected without verified parent or guardian permission, immediate action will be taken to delete that data permanently from all active systems, databases, and backup files.
The software platform mainly operates within its primary country, where personal data is stored, processed, and hosted. For operational needs, system upkeep, and backup redundancy, data may be transferred, sent across borders, or processed in other locations by third-party service providers, provided that strict security measures and legal protections match this policy and applicable data privacy laws.
Questions, complaints, or legal messages about privacy practices should be sent using the contact form or secure messaging tool inside the application. Updates and changes to this privacy policy may happen from time to time to match legal rules, tech updates, security standards, or operational changes. Revised policies take effect immediately upon being posted in the application interface, and the user is encouraged to review them regularly to stay informed of legal rights and protections.