Privacy Policy

1) What This Policy Covers

This Privacy Policy (“Policy”) explains how Cash Advance WVT Inc. (“Company,” “we,” “us,” or “our”) collects, uses, shares, and protects personal information when you use the APPNAME mobile application, our website (cashadvancewvt.com), and related services (together, the “App” or “Services”).

By installing, accessing, or using the App or Services, you agree to this Policy. If you do not agree, you must not use the App or Services.

We follow applicable U.S. privacy and consumer-protection laws and guidance, including, as applicable:

• 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
• Comparable state privacy and data-protection laws

Some rights described in this Policy may not apply to GLBA-regulated data or to users outside specific states. This Policy applies to individuals in the United States who use the App or Services. It does not cover our employees, contractors, or job applicants, and it does not govern independent third-party services that we do not own or control.

2) Information We Collect

We collect information in three main ways: (i) directly from you, (ii) automatically from your device and usage of the App/Services, and (iii) from third parties.

2.1 Information You Provide to Us

When you interact with the App or Services, you may provide:

• Personal Identifiers – such as full name, date of birth, email address, phone number, and residential or mailing address.
• Government Identifiers – such as Social Security number, driver’s license/state ID, or similar information used for identity verification and fraud prevention.
• Financial Information – including employment details, income, pay schedule, bank account and routing numbers, and other information related to eligibility, funding, repayment, and servicing where applicable.
• Login & Security Data – such as usernames, passwords, PINs, and security questions (handled using appropriate security measures).
• Support & Communications – information you send us through email, forms, chat, uploads, or attachments (for example, documents you provide for verification).
• Consents & Signatures – electronic signatures, consent checkboxes, and acknowledgments related to applications, disclosures, and legal notices.

2.2 Information Collected Automatically

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

• Device & Technical Data – IP address, device model, operating system, browser type (if applicable), mobile carrier, app version, language settings, and diagnostic/crash logs.
• Usage & Analytics Data – screens or pages viewed, clicks and navigation paths, session duration, timestamps, and referral sources.
• Approximate Location – derived from IP address or similar signals, used primarily for fraud detection and to apply state-specific eligibility and compliance rules.
• Cookies, SDKs & Similar Tools – used for authentication, security, session management, preferences, analytics, and performance measurement.

You can limit some of these technologies through your browser or device settings, but certain features may not function properly if disabled.

2.3 Information from Third Parties

We may also obtain information about you from:

• Identity & Fraud-Prevention Vendors – to help confirm identity, address, and detect or prevent fraud and abuse.
• Financial Partners – lenders, lending platforms, servicers, banks, and payment processors involved in providing or servicing products you request.
• Credit Bureaus & Alternative Data Sources – where permitted by law and, when required, with your consent, to evaluate eligibility and risk.
• Lead and Marketing Partners – that refer you to us or that we refer you to, subject to applicable law.
• Public Records & Government Sources – as needed for compliance, verification, and risk management.

3) How We Use Your Information

We use personal information for purposes such as:

• Operating the App – creating and managing accounts, providing core features, processing requests, and maintaining services.
• Identity Verification & Fraud Prevention – KYC/AML-related checks (where applicable), monitoring suspicious activity, and securing accounts.
• Loan & Cash-Advance Matching – sharing necessary information with participating third-party providers so they can evaluate eligibility and, where possible, present potential offers.
• Payments & Funding – facilitating disbursements, repayments, and payment-related activities through processors and partners (where applicable).
• Customer Support & Communications – responding to inquiries, sending confirmations and required notices, and delivering important service or security updates.
• Analytics & Product Improvement – monitoring performance, fixing bugs, understanding usage, and developing features.
• Legal, Compliance & Risk Management – recordkeeping, audits, regulatory reporting, responding to lawful requests, and enforcing Terms of Use.
• Marketing & Educational Content (Where Permitted) – optional communications about features, updates, or offers, consistent with your preferences and applicable law.

4) Legal Bases & Key Principles

Depending on the context and jurisdiction, our processing is based on one or more of the following:

• Your Consent – for certain marketing, optional data uses, or where required by law.
• Contractual Necessity – to provide the Services you request, including before entering into a credit arrangement with a third-party provider.
• Legal Obligations – to comply with applicable laws and regulations (including certain financial, recordkeeping, and verification requirements).
• Legitimate Interests – such as maintaining security, preventing fraud, improving the App, and protecting rights and property.

5) How We Share and Disclose Information

We share personal information only as reasonably necessary for the purposes described in this Policy, subject to safeguards and applicable law.

5.1 Service Providers

We work with vendors that provide services such as:

• Hosting and cloud infrastructure
• Data storage and backup
• Identity verification and fraud prevention
• Customer support and communication tools
• Security monitoring and incident response
• Analytics and performance measurement
• Payment processing

Service providers may access personal information only to perform services for us and must protect it under contractual obligations.

5.2 Financial Partners

When you request loan, cash-advance, or related options, we may disclose information needed for participating providers to evaluate your request and present potential offers. Once shared, that provider’s privacy policy and practices govern its further use of your information. We encourage you to review each provider’s privacy notice before accepting any product.

5.3 Legal, Regulatory & Safety

We may disclose information to courts, regulators, law enforcement, government authorities, or other third parties if we believe in good faith that disclosure is required by law or necessary to protect rights, property, safety, or to investigate and respond to fraud, abuse, or security incidents.

5.4 Business Transactions

If we are involved in a merger, acquisition, reorganization, financing, or sale of all or part of our business, personal information may be transferred to another entity, subject to privacy protections that are the same as or materially similar to those described in this Policy.

5.5 At Your Request or With Your Permission

We may share information with third parties when you ask us to do so, direct us to connect you, or otherwise provide your consent.

5.6 No “Sale” of Data or Cross-Context Behavioral Ads

We do not “sell” personal information as that term is defined under certain state privacy laws, and we do not engage in cross-context behavioral advertising that would require an opt-out under those laws. If our practices change, we will update this Policy and provide any required notices and choices.

6) How Long We Keep Your Information

We retain personal information only as long as reasonably necessary for the purposes described in this Policy, for as long as your account is active, and as required by law (for example, financial recordkeeping, audit, and tax requirements). After applicable retention periods expire, we delete or de-identify information.

Typical retention periods may include:

• Account & servicing records – generally for the life of your relationship with us plus a period (often up to 7 years) for legal, audit, and operational purposes.
• Compliance & risk records – typically 5–7 years, or longer if mandated by law or regulatory guidance.
• Marketing & communication records – generally up to 3 years after your last interaction with us or until you opt out.
• Log & analytics data – usually 12–24 months to support security and performance monitoring.

Specific retention periods may differ depending on the type of data and applicable law.

7) How We Protect Your Information

We use administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, disclosure, alteration, or destruction. These measures may include:

• Encryption of data in transit and, where appropriate, at rest
• Access controls and role-based permissions
• Network and system security monitoring
• Vendor security assessments and contractual protections
• Employee training and internal policies

No method of transmission over the internet or storage can be guaranteed 100% secure. You are responsible for keeping login credentials confidential and notifying us promptly if you suspect unauthorized access.

8) Your Privacy Rights

Depending on your state of residence and the type of information involved, you may have certain rights regarding your personal information, including:

• Access – request confirmation of whether we maintain personal information about you and obtain a copy.
• Deletion – ask us to delete certain personal information, subject to legal and business exceptions.
• Correction – request correction of inaccurate personal information we maintain.
• Portability – receive certain information in a portable format where required by law.
• Opt-Out Rights (Where Applicable) – such as opting out of “sale,” “sharing,” or certain profiling, noting that GLBA-covered data may be exempt.

We will verify your identity before responding to certain requests and may deny or limit requests where permitted by law.

8.1 How to Submit a Privacy Request

To exercise privacy rights or ask questions, contact us:

• Email: support@cashadvancewvt.com
• Subject line: “Privacy Request”
• Include: full name, state of residence, and a brief description of the request (access, deletion, correction).

Where state law provides, you may designate an authorized agent to submit a request on your behalf. We may require proof of authorization and may request additional information to verify identity.

9) Children’s Privacy

The App and Services are intended for adult users. You must be at least 18 years old (or the age of majority in your state) to use the Services or request financial products. We do not knowingly collect personal information from children under 13. If we learn we collected information from a child under 13, we will take reasonable steps to delete it.

If you believe a child under 13 provided information to us, contact support@cashadvancewvt.com.

10) Cookies, SDKs & Similar Technologies

We use cookies, mobile SDKs, and similar technologies to support authentication and session management, protect the App, remember preferences, and analyze usage. You can adjust cookie and tracking settings in many browsers and devices. Disabling certain tools may limit or break features (for example, staying signed in or seeing updated information).

11) Third-Party Websites & Services

The App or Services may link to or integrate with third-party websites, apps, or services (such as lenders, banks, credit bureaus, identity-verification vendors, analytics providers, or payment processors). Those third parties have their own privacy practices, and we are not responsible for their independent practices. Review their privacy notices before using their services.

12) GLBA & FCRA Notices

Some information we handle may be “nonpublic personal information” subject to GLBA. When GLBA applies, a GLBA privacy notice (if provided separately) may govern that information and may supersede or limit certain rights described in this Policy.

If we obtain or share information with consumer reporting agencies, or otherwise use consumer reports or credit reports, your rights under FCRA apply. We do not perform a hard credit inquiry without your consent and will clearly disclose if and when a hard inquiry may occur in connection with a request.

13) International Use & Data Transfers

The App and Services are designed for users in the United States. If you access the Services from outside the U.S., you understand your information will be transferred to and processed in the United States, where laws may differ. By using the Services, you consent to this transfer and processing.

14) Updates to This Policy

We may revise this Policy from time to time to reflect changes in practices, technology, or legal requirements. When we make material updates, we will update the Effective Date and provide additional notice within the App or via email where required by law. Continued use after the updated Policy becomes effective means you accept the revised Policy.

If you do not agree to changes, you should stop using the Services and may request account deletion where permitted.

15) How to Contact Us

If you have questions, concerns, or requests related to this Policy or our handling of personal information, contact us:

Cash Advance WVT Inc.
2515 Kalmia Ave, Boulder, CO 80304-1934
Phone: +1 970 423 9404
Website: cashadvancewvt.com
Email: support@cashadvancewvt.com

Additional Important Notices

APPNAME is not a lender and does not make credit decisions. We provide a platform that may connect you with independent third-party lenders and financial service providers. Loan amounts, APRs, terms, fees, and funding timelines are determined by those providers and may vary by state, your qualifications, and bank processing schedules. Availability of offers is not guaranteed.

Please borrow responsibly. Late or missed payments can result in additional fees, collection activity, and negative credit reporting. Always review a provider’s disclosures and agreement carefully before accepting any offer.