Effective Date: 05.06.2025

LEND AND LOAN LLC ("Company," "we," "us," or "our") operates the Lend & Loan: Cash Advance application ("App") and is committed to protecting your privacy. This Privacy Policy explains how we collect, use, share, and safeguard your personal information when you use our App and our financial services.

By using Lend & Loan: Cash Advance, you consent to the practices described in this Privacy Policy.

1. Description of Services

Lend & Loan: Cash Advance is a direct lending platform that offers cash advance loans to eligible users in the United States. Through the App, you can apply for loans, receive decisions, and manage your loan account. We handle all parts of the process—from application to repayment.

2. Information We Collect

2.1 Personal Information You Provide:

  • Full name
  • Contact details (address, phone, email)
  • Date of birth
  • Social Security Number
  • Government-issued ID details (e.g., driver’s license)
  • Employment and income details
  • Bank account information

2.2 Automatically Collected Data:

  • IP address
  • Device type and OS version
  • Unique device identifiers and app settings
  • App usage data (e.g., time spent, feature interaction)
  • Location data (with your permission)

2.3 Information from Third Parties:

  • Credit report and score information
  • Identity verification data

3. How We Use Your Information

  • Process and evaluate your loan application
  • Verify your identity
  • Fund and service your loan
  • Provide customer support
  • Improve and personalize the App
  • Communicate updates about your account
  • Prevent fraud and ensure security
  • Meet legal and regulatory obligations

4. Sharing Your Information

We may share your data with:

  • Service Providers: For payment processing, credit checks, ID verification, and debt collection
  • Credit Bureaus: To report loan activity
  • Legal Authorities: As required by law or court orders
  • Business Partners: During a merger, acquisition, or asset transfer (with notice to you)

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

5. Data Security

We take reasonable measures to protect your data, including:

  • Encrypting data in transit and at rest
  • Using secure servers and controlled access
  • Conducting regular security reviews

However, no method of transmission or storage is 100% secure.

6. Data Retention

We retain your data as long as needed to:

  • Provide services
  • Meet legal obligations
  • Resolve disputes
  • Enforce agreements

7. Your Rights and Choices

Depending on your jurisdiction, you may have rights to:

  • Access your personal data
  • Correct inaccuracies
  • Request deletion (subject to legal restrictions)
  • Opt out of certain communications (e.g., marketing)

To exercise your rights, contact us using the info in Section 10.

8. State-Specific Rights

California Residents: You have additional rights under the California Consumer Privacy Act (CCPA). Please refer to our separate CCPA Notice.

We also comply with applicable laws in other states.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be communicated via the App or email. Continued use of the App after changes constitutes your acceptance.

10. Contact Information

LEND AND LOAN LLC
620 Newport Center Dr Ste 1100 Newport Beach, CA, 92660-8011
Email: support@lendandloanapp.com
Phone: (555) 345-8192