Privacy Policy

Effective Date: April 11, 2025

Welcome to Cash Wave! This Privacy Notice explains how Cash Wave Lending LLC (“Cash Wave,” “we,” “us,” or “our”) collects, uses, discloses, and safeguards your information when you use our mobile application (the “App”). By accessing or using our App, you accept the practices described below.

Information We Gather

Information Provided by You

When interacting with our App, you may share:

Identity Data: Your name, date of birth, Social Security Number (SSN), and official ID details.
Contact Data: Your address, phone number, and email address.
Financial Data: Income information, employment status, banking details, and credit history.
Loan Request Data: Loan purpose, requested amount, and repayment preferences.

Information We Collect Automatically

When you use the App, we automatically gather:

Technical Details: Device type, operating system, browser, IP address, and device identifiers.
Usage Patterns: App features used, pages viewed, and session durations.
Location Information: If allowed, real-time geolocation data.

Data from External Sources

We may supplement the data you provide with:

Credit Information: Reports from credit bureaus to assess your eligibility.
Third-Party Lenders: Updates on loan application status and offers.
Identity Verification Services: Tools used to confirm your identity and prevent fraud.

Use of Your Data

Your information is used for:

Processing Loans: Reviewing and submitting your applications to lenders.
Identity Authentication: Verifying your details to prevent fraud.
Customer Care: Handling support inquiries and service requests.
Service Enhancement: Improving our App’s functionality and offerings.
Legal Compliance: Adhering to applicable laws and protecting our rights.
Marketing Communications: Sending updates and promotional content with your consent.

Sharing of Information

With Lending Partners

Personal and financial information may be shared with third-party lenders to facilitate loan offers. Their privacy practices are independent of ours.

With Service Providers

We collaborate with trusted third parties who assist in:

Payment processing
Identity verification
Analytics and marketing support

Legal Disclosures

We may release your data when legally required or to protect rights, property, or safety, including to:

Comply with subpoenas and court orders
Prevent fraudulent activities
Enforce our terms and conditions

Corporate Changes

In case of a business transition such as a merger, sale, or acquisition, your information may be transferred as part of that transaction.

Your Privacy Choices

Access and Amendments: Request a copy or correction of your personal data.
Deletion Requests: Ask us to erase your personal data, unless retention is legally necessary.
Marketing Opt-Out: Manage your preferences for receiving promotional materials.

Security Measures

We protect your information using security measures such as:

Data encryption during transmission and storage
Access controls limiting personnel access to sensitive information
Real-time monitoring for suspicious activities

Despite these efforts, no system is completely secure. Please remain cautious when sharing information.

Data Retention

We retain your personal information as needed to:

Provide and complete services
Meet legal, regulatory, and tax obligations
Prevent fraud and resolve disputes

Children’s Data

Our App is intended for adults 18 years and older. We do not knowingly collect information from individuals under 18. If we learn we have collected minor’s data, we will promptly delete it.

Third-Party Websites and Services

Our App may contain links to other websites or services not operated by us. We are not responsible for their content or privacy practices. Please review their privacy notices separately.

Policy Updates

We may revise this Privacy Notice occasionally. If significant changes occur, we will notify you via:

In-App notifications
Email communications

Your continued use of the App after such changes means you accept the updated Notice.

Contact Us

If you have any questions or requests regarding this Privacy Notice, reach out to us:

Cash Wave Lending LLC
Email: help@cashwavelending.com

By using the App, you confirm you have read and understood this Privacy Notice.