Effective Date: September 4, 2025
Welcome to Smart Loans - Bay Cash Advance! This Privacy Policy describes how BAY CASH ADVANCE, INC ("APPCOMPANY", "we", "our" or "us") collects, uses, shares, and protects your personal information when you access or use our mobile application (the "App"). By using the App, you agree to the practices outlined below.
Information We Collect
Information You Provide Directly
When you use the App, you may voluntarily provide:
- Identity Data: Full name, date of birth, government-issued identification details, Social Security Number (SSN).
- Contact Data: Address, telephone number, and email address.
- Financial Data: Employment and income details, bank account information, credit background.
- Loan Request Data: Requested loan amount, repayment preferences, and purpose of loan.
Information Collected Automatically
When you interact with the App, we may automatically collect:
- Technical Data: Device model, operating system, browser type, IP address, unique identifiers.
- Usage Data: Features accessed, screens viewed, time spent within the App.
- Location Data: With your permission, geolocation information to tailor services.
Information from Third Parties
We may supplement your data with information received from:
- Credit Bureaus: Reports used to evaluate loan eligibility.
- Partner Lenders: Updates on loan application progress and decisions.
- Identity Verification Providers: Services used to confirm identity and detect fraud.
How We Use Your Information
Your personal information may be used for the following purposes:
- Loan Processing: Reviewing applications and submitting them to lenders.
- Identity Verification: Confirming personal details and preventing fraudulent activity.
- Customer Support: Addressing your questions, requests, and complaints.
- Improving the App: Enhancing features, performance, and usability.
- Legal & Regulatory Compliance: Meeting obligations under applicable laws.
- Marketing (With Consent): Sending promotional updates and relevant offers.
Information Sharing
With Lender Partners
We may share relevant personal and financial data with independent third-party lenders who review your loan requests. Their use of your information is governed by their own privacy policies.
With Service Providers
We may engage trusted vendors who provide services such as:
- Payment processing
- Data analytics and reporting
- Identity verification and fraud prevention
- Marketing and communication tools
Legal Obligations
We may disclose your data to comply with applicable law, enforce our rights, or protect against fraud and security risks, including in response to:
- Court orders, subpoenas, or legal processes
- Investigations into illegal activities
- Enforcing our Terms of Use
Business Transfers
If BAY CASH ADVANCE, INC undergoes a merger, acquisition, restructuring, or sale of assets, your data may be transferred as part of that transaction.
Your Rights & Choices
- Access and Correction: Request a copy of your data or ask us to correct inaccuracies.
- Deletion: Request removal of your personal information, unless retention is required by law.
- Marketing Preferences: Opt out of receiving promotional content at any time.
You may exercise these rights by contacting us at support@dtloan.org.
