Privacy Policy - Borrow Money & Loans

1. Overview

This Privacy Policy (“Policy”) explains how Big Cash For UL LLC (“we,” “us,” or “our”) collects, uses, shares, and protects personal information when you access or use the Borrow Money & Loans – BigCash mobile application, website, and any associated features or services (collectively, the “App”). By downloading, accessing, or using the App, you confirm that you have reviewed and agreed to the terms of this Policy. If you do not agree, you must discontinue use of the App.

We comply with applicable United States privacy, data protection, 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, guidance, and enforcement standards
Other applicable federal and state privacy and data protection laws

Certain rights described in this Policy may not apply to information governed by GLBA or to individuals located outside jurisdictions where such rights are legally required. This Policy applies to users located within the United States and does not apply to employees, contractors, or independent third-party services not under our control.

2. Information We Collect

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

2.1 Information You Provide

Identifiers — full name, date of birth, email address, telephone number, and residential or mailing address
Government Identification — Social Security number, driver’s license number, or other government-issued identification used for identity verification or compliance purposes
Financial Information — employment and income details, bank account information, transaction and repayment data, and requested loan or cash-advance details
Login and Security Credentials — usernames, passwords, PINs, and authentication or verification responses (stored using industry-standard security measures)
Communications — messages, documents, uploaded files, or other content submitted through the App, including financial or identity-related documentation
Consents and Acknowledgments — electronic signatures, checkboxes, and confirmations associated with disclosures, agreements, or authorizations

2.2 Information Collected Automatically

Device and Technical Data — IP address, device identifiers, operating system, application version, language settings, and diagnostic or crash data
Usage Information — pages or screens viewed, features accessed, session duration, timestamps, click activity, and referring URLs
Approximate Location Data — derived from IP address or device signals for fraud prevention, regulatory compliance, and service optimization
Cookies, SDKs, and Similar Technologies — used to support authentication, security controls, preferences, analytics, and performance measurement; disabling these technologies may limit certain App features

2.3 Information from Third-Party Sources

Identity verification, compliance, and fraud prevention providers
Financial partners such as lenders, banks, loan platforms, and payment processors
Credit bureaus or alternative data providers, where permitted by law and with appropriate authorization
Marketing, referral, or advertising partners that introduce users to the App or receive referrals from us
Public records, databases, or government sources, when required for legal, regulatory, or verification purposes

3. Use of Information

To operate, maintain, and provide access to the App and its features
To create, manage, and support user accounts
To verify identity and prevent fraud through KYC, AML, and security monitoring processes
To facilitate loan or cash-advance requests by sharing relevant information with participating financial partners for eligibility review
To support transactions, including payment processing, disbursements, and repayments
To respond to inquiries, customer service requests, confirmations, and operational or legal notices
To analyze App performance, monitor usage trends, and diagnose or resolve technical issues
To comply with applicable laws, regulatory requirements, and enforce our Terms of Use
To deliver optional informational, educational, or marketing communications, subject to user preferences and applicable law

4. Legal Basis for Processing

User consent, where required, including consent for marketing or electronic communications
Contractual necessity, to provide services requested by the user
Compliance with legal and regulatory obligations
Legitimate business interests, such as fraud prevention, security, operational integrity, and service improvement

5. Sharing of Information

We disclose personal information only as necessary to operate the App, fulfill the purposes described in this Policy, and comply with legal obligations.

5.1 Service Providers

Cloud hosting and infrastructure providers
Identity verification and compliance vendors
Customer support and communication platforms
Analytics and performance monitoring services
Payment processing providers
Security, risk management, and incident response vendors

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

5.2 Financial Partners

When you submit a loan or cash-advance request, relevant personal and financial information may be shared with participating lenders or financial partners to evaluate eligibility. Once shared, those partners’ privacy policies govern their handling of your information. Users are encouraged to review partner disclosures carefully.

5.3 Legal and Safety Disclosures

Comply with applicable laws, regulations, subpoenas, or legal processes
Protect the rights, property, or safety of Big Cash For UL LLC, our users, or others
Investigate, prevent, or respond to fraud, abuse, security incidents, or violations of our terms

5.4 Business Transfers

If Big Cash For UL LLC is involved in a merger, acquisition, reorganization, financing, or sale of assets, personal information may be transferred as part of that transaction, subject to appropriate safeguards consistent with this Policy.

5.5 With User Authorization

We may share personal 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 legal obligations, including:

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

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

7. Data Security

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

Encryption of data in transit and at rest
Role-based access controls and authentication mechanisms
System monitoring and periodic security assessments
Vendor due diligence and security reviews
Employee training and internal security policies

Despite these measures, no system can be guaranteed to be completely secure. Users are responsible for protecting their account credentials and notifying us promptly of any unauthorized access.

8. Your Privacy Rights

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

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

Requests may require verification of identity, and certain rights may be limited or exempt under applicable law.

Submitting Requests: Please contact [email protected] and include your full name, state of residence, and a description of your request. Where permitted by law, you may designate an authorized agent to submit requests on your behalf.

9. Children’s Privacy

The App is intended for individuals who are at least 18 years of age. We do not knowingly collect personal information from children under 13 years old. If such information is identified, it will be deleted promptly.

10. Cookies and Tracking Technologies

We use cookies, SDKs, and similar technologies to enable authentication, security features, preferences, analytics, and performance measurement. Adjusting browser or device settings may impact App functionality.

11. Third-Party Services

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

12. GLBA and FCRA

Certain nonpublic personal financial information is subject to the Gramm-Leach-Bliley Act (GLBA). The use of consumer reports is governed by the Fair Credit Reporting Act (FCRA). Any hard credit inquiry requires your express authorization.

13. International Users

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

14. Policy Updates

We may update this Policy periodically. Any changes will be reflected by a revised effective date and may be communicated through the App or via email. Continued use of the App after updates constitutes acceptance of the revised Policy.

15. Contact Information

Big Cash For UL LLC

336 Elati St, Denver, CO 80223

Email: [email protected]