Privacy Policy

1. Information We Collect

We collect three categories of information when you use the Site:

Information you provide directly

When you submit our rate-check form, you provide information including your full legal name, date of birth, residential address, Social Security Number (or ITIN), US checking account details, employment information, monthly income, and contact details (email address, phone number). You may also voluntarily provide information through our contact form or email correspondence.

Information collected automatically

When you visit the Site, we automatically collect certain information through cookies, server logs, and analytics tools, including: IP address, browser type and version, operating system, referring URL, pages viewed, date and time of visit, approximate geographic location (country, state, city), and device identifiers.

Information from third parties

Partner lenders who receive your rate-check submission may return limited information back to us about offer availability. We do not receive personally identifying lender decisions unless you specifically consent.

2. How We Use Information

We use the information collected for the following purposes:

• To match you with cash advance lenders in our partner network through the APIdiamond platform
• To provide, maintain, and improve the Site and our editorial content
• To analyze usage patterns and improve user experience
• To respond to your inquiries and support requests
• To comply with legal obligations and enforce our Terms of Service
• To detect, prevent, and address technical issues, fraud, and security concerns
• To send transactional communications related to your rate-check submission

We do not use your personal information for automated decision-making or profiling that produces legal effects or similarly significant effects.

3. Cookies and Tracking Technologies

We use the following categories of cookies and similar tracking technologies:

Strictly necessary cookies

Required for the Site to function. Includes session management cookies and security tokens. Cannot be disabled.

Analytics cookies

Help us understand how visitors interact with the Site. We use Google Analytics 4 and Statcounter in invisible mode. These cookies collect anonymized aggregate data.

Functional cookies

Remember your preferences such as the state of expanded FAQ items. Not used for cross-site tracking.

You can control cookies through your browser settings. Blocking some cookies may degrade Site functionality, particularly the rate-check form.

4. Sharing and Disclosure of Information

We share your information in the following limited circumstances:

• With partner lenders through the APIdiamond affiliate platform, for the purpose of matching you to cash advance offers
• With service providers who perform functions on our behalf (hosting, analytics, email delivery) under contractual confidentiality obligations
• For legal compliance, in response to lawful requests from government authorities, subpoenas, or court orders
• In connection with business transfers such as a merger, acquisition, or sale of assets, in which case data is transferred subject to the same protections described here
• With your explicit consent, for any other purpose disclosed at the time of consent

5. APIdiamond Partner Network

Our rate-check form is powered by APIdiamond, operated by APIdiamond.com (affiliate ID 6142). When you submit the form, your information is transmitted securely to APIdiamond and distributed to lender partners in their network for underwriting review. APIdiamond operates under its own privacy practices.

We recommend you review APIdiamond's privacy policy at apidiamond.com/privacy and the privacy policy of any lender you choose to proceed with. We are not responsible for the data-handling practices of APIdiamond or lender partners once your information is transmitted.

APIdiamond does not currently serve residents of New York, Vermont, West Virginia, or Arkansas. Rate-check submissions from these states will not be routed to any lender.

6. Analytics Providers

We use the following analytics providers:

• Google Analytics 4 operated by Google LLC. Data collection is anonymized and IP addresses are truncated. You can opt out by installing the Google Analytics Opt-out Browser Add-on.
• Statcounter operated by Statcounter in invisible mode. Collects anonymized aggregate visit data. See Statcounter's privacy policy for details.

7. Data Retention

We retain personal information for different periods depending on the data category:

• Rate-check submissions: Transmitted to partner lenders immediately; we retain a copy for 24 months for operational and legal compliance
• Email correspondence: Retained for 36 months unless you request earlier deletion
• Analytics data: Aggregate and anonymized data retained indefinitely; raw data retained for 14 months (GA4 default)
• Server logs: Retained for 30 days for security purposes

You may request earlier deletion of your data in accordance with applicable state law (see Section 9).

8. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your information. These include SSL/TLS encryption for all data in transit, access controls on backend systems, and regular security review of our hosting infrastructure.

No method of transmission over the Internet is 100% secure. While we strive to protect your personal information, we cannot guarantee absolute security. You transmit information to us at your own risk.

In the event of a data breach affecting your personal information, we will notify you in accordance with applicable state breach-notification laws, typically within 60 days of discovery.

9. Your Privacy Rights by State

Residents of certain US states have specific privacy rights under applicable state law. The table below summarizes rights available to residents of states with comprehensive privacy legislation in effect as of the effective date of this policy.

To exercise any of these rights, email privacy [at] cashadvancelendersloans.com with your request and your state of residence. We will verify your identity and respond within the timeframe required by applicable law (typically 45 days, extendable to 90 days). You will not be discriminated against for exercising these rights.

10. California Residents (CCPA/CPRA)

California residents have the right to know what personal information we collect, how we use it, and whether we sell or share it. We disclose that:

• We have collected the categories of information described in Section 1 within the preceding 12 months
• We have not sold personal information as that term is defined under CCPA/CPRA
• We have shared personal information with APIdiamond and partner lenders for the purposes described in this policy
• We have disclosed sensitive personal information (SSN, financial account information) only to the APIdiamond partner network and only with your submission consent

You have the right to request specific pieces of information about you, categories of sources, and categories of third parties with whom information was shared. You also have the right to designate an authorized agent to make requests on your behalf. California residents may also opt out of the sharing of personal information by emailing privacy [at] cashadvancelendersloans.com.

California's "Shine the Light" law (Civil Code Section 1798.83) permits California residents to request information about disclosures to third parties for direct marketing purposes. We do not disclose information to third parties for their direct marketing purposes.

11. Virginia, Colorado, Connecticut, Utah, Texas Rights

Residents of Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), Utah (UCPA), and Texas (TDPSA) have the rights listed in Section 9. To exercise these rights, follow the process described in Section 9. If we deny a request, you have the right to appeal that decision, and we will respond to appeals within 60 days of receipt.

Residents of Virginia, Colorado, Connecticut, and Texas may appeal a denied request by emailing appeal [at] cashadvancelendersloans.com. Residents of Colorado and Connecticut may contact their state Attorney General if dissatisfied with the appeal outcome.

12. Children's Privacy (COPPA)

The Site is not directed to children under the age of 18, and the rate-check service requires US residency and an age of 18 years or older (19 in Alabama and Nebraska). We do not knowingly collect personal information from minors under 13 in violation of the Children's Online Privacy Protection Act (COPPA).

If you believe a child under 13 has submitted information to the Site, please contact us at privacy [at] cashadvancelendersloans.com and we will delete the information from our records.

13. Do Not Track and Global Privacy Control

Some browsers transmit "Do Not Track" (DNT) signals to indicate a preference not to be tracked. Because no uniform standard currently exists for how to respond to DNT signals, we do not currently respond to them.

We do honor Global Privacy Control (GPC) signals where applicable. GPC signals received from California, Colorado, or Connecticut residents are treated as a valid opt-out of sale/sharing for cross-context behavioral advertising, though we do not currently engage in such sharing.

14. Third-Party Links

The Site contains links to third-party websites, including partner lender sites and primary-source references (CFPB, FTC, FDIC). We are not responsible for the privacy practices of third-party websites. We encourage you to read their privacy policies before providing information to them.

15. International Users

The Site is directed to US residents. If you access the Site from outside the United States, you consent to the transfer of your information to the United States for processing. US privacy laws may differ from those of your country of residence, and we do not represent that US privacy standards meet the requirements of any non-US jurisdiction.

16. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. The "Last Updated" date at the top of this policy indicates when it was most recently revised. Material changes will be announced through a prominent notice on the Site for at least 30 days prior to the effective date.

17. How to Contact Us