Privacy Policy

Effective Date: January 5, 2026

1) Overview

This Privacy Policy (“Policy”) describes how Alliant Finance B LLC (“we,” “us,” or “our”) gathers, uses, shares, and protects personal information when you use the Cash Advance: Borrow Money App mobile application, website, and related services (collectively, the “App”). By accessing or using the App, you agree to this Policy. If you do not agree, you should not use the App.

We comply with applicable U.S. privacy and consumer‑protection regulations, including but not limited to:

Gramm‑Leach‑Bliley Act (GLBA)
California Consumer Privacy Act (CCPA), as amended by the CPRA
Fair Credit Reporting Act (FCRA)
Federal Trade Commission (FTC) guidelines
Other relevant federal or state privacy rules

Certain rights described here may not apply to GLBA‑covered information or users outside specific jurisdictions. This Policy is intended for U.S.‑based users and does not apply to employees, contractors, job applicants, or independent third‑party services outside our control.

2) Information We Collect

We obtain information in three primary ways: (1) directly from you, (2) automatically from your devices, and (3) from third‑party sources.

2.1 Information You Provide

You may voluntarily provide personal information including, but not limited to:

Identifiers: full name, date of birth, email address, phone number, and mailing address
Government Identification: Social Security number, driver’s license number, or state‑issued ID for identity verification and compliance
Financial Information: employment details, income data, bank account and routing numbers, transaction history, repayment history, and requested loan or cash‑advance details
Login & Security Credentials: usernames, passwords, PINs, and security responses (stored in encrypted or hashed form)
Communications: messages, uploaded documents, or files you submit through the App, including identification documents or bank statements
Consents & Signatures: electronic signatures, acknowledgment checkboxes, authorizations, and recorded consents

2.2 Automatic Collection

When you access or use the App, we may automatically collect certain technical and usage information, including:

Device Information: IP address, device type, operating system, app version, language preferences, and diagnostic or crash logs
Usage Data: pages or screens viewed, features used, clicks, scroll activity, session duration, timestamps, and referral URLs
Approximate Location: derived from IP address or device signals for fraud prevention, security monitoring, and state‑law compliance
Cookies, SDKs & Similar Technologies: used for authentication, security, preferences, analytics, and performance monitoring; disabling them may limit functionality

2.3 Third‑Party Sources

We may receive personal information about you from third parties, including:

Identity‑verification and fraud‑prevention providers
Financial institutions, lenders, loan platforms, and payment processors
Credit reporting agencies and alternative data providers (with your consent where required)
Marketing and referral partners that connect users to the App
Public records, regulatory databases, and government sources as required by law

3) Use of Information

We use the personal information we collect for legitimate business purposes, including to:

Provide, operate, and maintain the App and its features
Create, manage, and service user accounts
Verify identity, prevent fraud, and comply with KYC/AML obligations
Facilitate loan or cash‑advance requests by sharing necessary information with participating financial partners
Process transactions, fund disbursements, and repayments
Provide customer support, confirmations, updates, and legal notices
Monitor, analyze, and improve App performance and functionality
Conduct internal audits, compliance reviews, and risk assessments
Comply with legal, regulatory, and law‑enforcement requests
Send marketing, promotional, or educational communications where permitted by your preferences and applicable law

4) Legal Basis for Processing

Depending on the context and applicable law, we process personal information based on one or more of the following legal grounds:

Consent: where you have provided explicit permission (e.g., marketing communications)
Contractual Necessity: to provide services you request or to perform our obligations to you
Legal Obligations: to comply with laws, regulations, subpoenas, or governmental orders
Legitimate Interests: including fraud prevention, security, service improvement, and business operations, provided those interests are not overridden by your rights

5) Sharing of Information

We share personal information only as necessary to operate the App, provide services, and comply with the law.

5.1 Service Providers

We may share information with vendors that perform services on our behalf, including:

Hosting and cloud‑storage providers
Identity‑verification and background‑check services
Customer‑support platforms
Analytics and monitoring providers
Payment processors and banking partners
Security, compliance, and incident‑response vendors

These providers may access personal information only to perform contracted services and are required to protect it.

5.2 Financial Partners

When you request a loan or cash‑advance offer, we may share necessary information with participating lenders or financial partners to evaluate eligibility and provide offers. After your information is shared, the partner’s own privacy policy governs their handling of your data.

5.3 Legal & Safety Disclosures

We may disclose information when required or permitted by law to:

Comply with legal process, subpoenas, or government requests
Enforce our Terms of Use or other agreements
Protect the rights, property, or safety of users, the public, or our business
Investigate or prevent fraud, abuse, or security incidents

5.4 Business Transfers

In the event of a merger, acquisition, financing, reorganization, or sale of assets, personal information may be transferred as part of the transaction, subject to confidentiality and privacy protections consistent with this Policy.

5.5 With Your Consent

We may share information when you direct us to do so or provide explicit authorization.

5.6 No Sale of Personal Data

We do not sell personal information and do not engage in cross‑context behavioral advertising. If this practice changes, we will provide notice as required by law.

6) Data Retention

We retain personal information only as long as reasonably necessary for business purposes and legal obligations, including:

Account and service records: during your relationship with us and generally up to 7 years thereafter
Compliance, audit, and risk records: typically 5–7 years
Marketing communications: until you opt out or up to 3 years
Log, device, and analytics data: usually 12–24 months

After the retention period, information is securely deleted, anonymized, or de‑identified.

7) Data Security

We maintain administrative, technical, and physical safeguards, including:

Encryption of data in transit and at rest
Access‑control and authentication systems
Ongoing monitoring, logging, and audits
Vendor security and confidentiality requirements
Employee training and internal policies

No method of transmission or storage is completely secure. You are responsible for keeping your credentials confidential and notifying us of unauthorized access.

8) Your Privacy Rights

Depending on your state of residence, you may have rights to:

Access and obtain a copy of your personal information
Correct inaccurate or incomplete data
Request deletion, subject to legal exceptions
Receive your data in a portable format
Opt out of certain data sharing, marketing, or automated processing

We may require identity verification before processing requests. Some rights may be limited by law.

Submitting Requests: Email [email protected] with your name, state of residence, and request type. Authorized agents may submit requests where permitted by law.

9) Children’s Privacy

The App is intended only for users aged 18 and older. We do not knowingly collect personal information from children under 13. If such data is discovered, it will be deleted promptly.

10) Cookies & Tracking

We and our partners use cookies, SDKs, and similar technologies for authentication, security, preferences, analytics, and performance monitoring. Disabling them may limit certain features.

11) Third‑Party Services

Links or integrations with third‑party services are governed by their own privacy policies. We are not responsible for third‑party practices.

12) GLBA & FCRA

Certain nonpublic personal financial information is governed by the Gramm‑Leach‑Bliley Act. When consumer reports are used, the Fair Credit Reporting Act applies, and your consent is required for hard credit inquiries.

13) International Users

The App is intended for U.S. residents. Information may be processed and stored in the United States. By using the App, you consent to U.S. data transfer.

14) Policy Updates

We may revise this Policy from time to time. Material changes will update the Effective Date and may be communicated through the App or by email. Continued use constitutes acceptance.

15) Contact

Alliant Finance B LLC
Email: [email protected]