Privacy Policy — Cash Advance

1. Overview

This Privacy Policy ("Policy") describes how Screwed Up Credit LLC ("we," "us," or "our") collects, uses, discloses, and safeguards personal information when you access or use the Cash Advance – UnScrewed mobile application, website, and any related features or services (collectively, the "App"). By accessing or using the App, you acknowledge that you have read and agree to this Policy. If you do not agree with these terms, you should discontinue use of the App.

We comply with applicable United States privacy and consumer protection laws and regulations, including but not limited to:

Gramm-Leach-Bliley Act (GLBA)
California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA)
Fair Credit Reporting Act (FCRA)
Federal Trade Commission (FTC) rules and guidance
Other applicable federal and state privacy laws

Certain rights described in this Policy may not apply to information regulated by GLBA or to users located outside applicable jurisdictions. This Policy applies to users located in the United States and does not apply to employees, contractors, or third-party services that are not under our control.

2. Information We Collect

We collect personal information through three primary sources: information you provide directly, data collected automatically through your use of the App, and information obtained from third parties.

2.1 Information You Provide

When using the App, you may voluntarily provide personal information, including but not limited to:

Identifiers — such as full name, date of birth, email address, phone number, and mailing address
Government Identification — including Social Security number, driver's license, or other state-issued identification used for verification purposes
Financial Information — employment details, income data, bank account information, transaction history, repayment information, and requested loan details
Login and Security Information — usernames, passwords, PINs, and security verification responses (stored using secure encryption methods)
Communications — messages, documents, files, or uploads submitted through the App, including identity documents or financial records
Consents and Acknowledgments — electronic signatures, acceptance checkboxes, and confirmations related to disclosures or agreements

2.2 Information Collected Automatically

When you access or use the App, certain information may be collected automatically, including:

Device and Technical Information — IP address, device type, operating system, app version, language preferences, and diagnostic data
Usage Data — pages viewed, features used, session length, timestamps, click activity, and referral sources
Approximate Location Data — derived from IP address or device signals for fraud prevention, compliance, and service optimization
Cookies and SDKs — technologies used to enable authentication, security features, preferences, and analytics; disabling these tools may limit App functionality

2.3 Information from Third-Party Sources

We may obtain information about you from third parties, including:

Identity verification and fraud prevention providers
Financial partners such as lenders, banks, loan platforms, and payment processors
Credit bureaus or alternative data providers, where permitted and with appropriate consent
Referral or marketing partners that introduce users to the App or receive referrals from us
Public databases or government sources, when required for compliance or verification

3. Use of Information

We use the personal information collected to:

Provide, operate, and maintain the App and related services
Create and manage user accounts and deliver App features
Verify identity and detect or prevent fraud through KYC, AML, and security monitoring
Facilitate loan or cash-advance requests by sharing relevant information with financial partners for evaluation
Support transactions, including payment processing, disbursements, and repayments
Respond to customer inquiries, support requests, confirmations, and legal or service-related notices
Improve App performance, analyze usage trends, and resolve technical issues
Comply with legal obligations, regulatory requirements, and enforcement of our Terms of Use
Deliver optional marketing, informational, or educational communications based on user preferences

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:

User consent, where required, including for marketing communications
Contractual necessity, to provide services requested by the user
Legal obligations, to comply with applicable laws and regulations
Legitimate business interests, such as fraud prevention, security, and App improvement

5. Sharing of Information

We share personal information only as necessary to support App functionality, comply with legal requirements, and fulfill the purposes described in this Policy.

5.1 Service Providers

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

Hosting and cloud infrastructure
Identity verification services
Customer support platforms
Analytics and performance monitoring
Payment processing
Security, risk management, and incident response

Service providers are authorized to use personal information solely to perform contracted services and are subject to confidentiality and security obligations.

5.2 Financial Partners

When you submit a loan or cash-advance request, relevant information may be shared with participating lenders or financial partners to assess eligibility. Once information is shared, those partners' privacy policies govern their use of the data. Users are encouraged to review partner disclosures carefully.

5.3 Legal and Safety Disclosures

We may disclose personal information when required to:

Comply with applicable laws, regulations, or legal processes
Protect the rights, property, or safety of Screwed Up Credit LLC, users, or others
Investigate, prevent, or respond to fraud, abuse, or security incidents

5.4 Business Transfers

If Screwed Up Credit LLC is involved in a merger, acquisition, restructuring, or asset sale, personal information may be transferred as part of that transaction, subject to safeguards consistent with this Policy.

5.5 With User Authorization

We may share information when you explicitly authorize or direct us to do so.

5.6 No Sale of Personal Information

We do not sell personal information and do not engage in cross-context behavioral advertising. Any material change to this practice will be disclosed in accordance with applicable law.

6. Data Retention

We retain personal information only for as long as necessary to fulfill legitimate business purposes and comply with legal obligations, including:

Account and service records — retained during the active relationship and generally up to 7 years thereafter
Compliance, fraud, and risk records — typically retained for 5 to 7 years
Marketing communications — retained for up to 3 years or until a user opts out
Log files and analytics data — generally retained for 12 to 24 months

After applicable retention periods expire, information is securely deleted or anonymized.

7. Data Security

We use reasonable administrative, technical, and physical safeguards to protect personal information, including:

Encryption of data in transit and at rest
Role-based access controls
System monitoring and periodic security audits
Vendor security assessments
Employee training and internal security policies

Despite these measures, no system can be guaranteed to be completely secure. Users are responsible for safeguarding account credentials and promptly 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
Request correction of inaccurate or incomplete data
Request deletion of personal information, subject to legal exceptions
Receive data in a portable and structured format
Opt out of certain data uses, sharing, or marketing communications

Requests may require identity verification, and certain rights may be limited by law.

Submitting Requests: Please email [email protected] with your full name, state of residence, and the nature of your request. Where permitted by law, you may authorize an agent to submit requests on your behalf.

9. Children's Privacy

The App is intended for individuals aged 18 and older. We do not knowingly collect personal information from children under the age of 13. If such information is identified, it will be promptly deleted.

10. Cookies and Tracking Technologies

We use cookies, SDKs, and similar technologies to support authentication, security, preferences, and analytics. Adjusting browser or device settings may affect App functionality.

11. Third-Party Services

The App may contain links or integrations to third-party websites or services. We are not responsible for the privacy practices or content of third parties, which are governed by their own policies.

12. GLBA and FCRA

Certain nonpublic personal financial information is regulated under the Gramm-Leach-Bliley Act (GLBA). Use of consumer reports is governed by the Fair Credit Reporting Act (FCRA). Any hard credit inquiries require your express authorization.

13. International Users

The App is intended for use by residents of the United States. Information may be processed and stored within the U.S., and by using the App you consent to such processing.

14. Policy Updates

We may revise this Policy from time to time. Updates will be reflected by a revised effective date and may be communicated through the App or by email. Continued use of the App constitutes acceptance of the updated Policy.

15. Contact Information

For questions, concerns, or privacy-related requests, please contact:

Screwed Up Credit LLC
Email: [email protected]