Privacy Policy

1) Overview

This Privacy Policy ("Policy") explains how Crunchy Finance LLC ("we," "us," or "our") collects, uses, shares, and protects personal information when you access or use the Instant Cash Advance – Crunchy mobile application, website, and related services (collectively, the "App"). By accessing or using the App, you agree to the terms of this Policy. If you do not consent, you should not use the App.

We adhere to applicable U.S. privacy and consumer protection laws, including but not limited to:

• Gramm-Leach-Bliley Act (GLBA)
• California Consumer Privacy Act (CCPA), as modified by the CPRA
• Fair Credit Reporting Act (FCRA)
• Federal Trade Commission (FTC) regulations and guidelines
• Other relevant federal or state privacy requirements

Certain rights outlined in this Policy may not apply to information covered under GLBA or to users outside specific jurisdictions. This Policy applies to U.S.-based users and does not govern employees, contractors, or independent third-party services beyond our control.

2) Information We Collect

We gather information through three primary methods: directly from you, automatically from your devices, and from third-party sources.

2.1 Information You Provide

You may voluntarily provide information, including but not limited to:

• Identifiers – full name, date of birth, email address, phone number, and mailing address
• Government Identification – Social Security number, driver's license, or state-issued ID for verification purposes
• Financial Information – employment, income, bank account details, transaction history, repayment records, and requested loan information
• Login & Security Data – usernames, passwords, PINs, and security challenge responses (securely encrypted)
• Communications – messages, documents, or uploads sent through the App, such as identification or bank statements
• Consents & Signatures – electronic signatures, agreement checkboxes, and acknowledgments

2.2 Automatic Collection

The App may automatically collect information, including:

• Device Information – IP address, device type, operating system, app version, language settings, and diagnostic logs
• App Usage – pages viewed, clicks, session duration, timestamps, and referral information
• Approximate Location – derived from IP address or device signals for fraud prevention and state compliance
• Cookies & SDKs – used to facilitate login, security, preferences, and analytics; disabling may limit certain features

2.3 Third-Party Sources

We may receive information from external sources such as:

• Identity and fraud prevention services for verification of identity, income, or address
• Financial partners, including lenders, banks, loan platforms, and payment processors
• Credit bureaus and alternative data providers, with consent, to assess eligibility and risk
• Referral partners who introduce users to the App or vice versa
• Public records or government sources, as required for compliance

3) Use of Information

We use the collected data to:

• Provide and maintain App services, including account management, feature delivery, and processing loan requests
• Verify identity and prevent fraud through KYC/AML checks and monitoring for suspicious activity
• Facilitate loan and cash-advance requests by sharing information with financial partners for evaluation
• Support transactions, including fund disbursement, repayments, and payment processing
• Offer customer support by responding to inquiries, providing updates, confirmations, or legal notices
• Improve the App, troubleshoot issues, and analyze usage trends
• Ensure compliance with legal requirements, regulatory reporting, and enforcement of Terms of Use
• Send optional marketing or educational communications based on user preferences

4) Legal Basis for Processing

Depending on the purpose and applicable law, we rely on:

• Consent – for optional uses such as marketing
• Contractual necessity – to provide requested services
• Legal obligations – to comply with laws and regulations
• Legitimate interests – for fraud prevention, App security, and development of new features

5) Sharing of Information

Personal information is shared only as necessary to fulfill the purposes outlined above and in accordance with legal obligations.

5.1 Service Providers

Vendors supporting App operations may access data solely to perform services such as:

• Hosting and cloud storage
• Identity verification
• Customer support
• Analytics and monitoring
• Payment processing
• Security and incident response

5.2 Financial Partners

Loan or cash-advance requests may involve sharing information with lenders or partners to determine eligibility. Once shared, their privacy policies govern further use. Users are encouraged to review such partner policies.

5.3 Legal & Safety Requirements

We may disclose information when required by law or to:

• Comply with legal obligations
• Protect the rights, property, or safety of Crunchy Finance LLC, its users, or others
• Investigate or prevent fraud, abuse, or security incidents

5.4 Business Transfers

In the event of mergers, acquisitions, or asset sales, personal information may be transferred, subject to safeguards consistent with this Policy.

5.5 With Your Consent

Information may be shared when explicitly authorized by you.

5.6 No Sale of Personal Data

We do not sell personal information or use it for cross-context behavioral advertising. Any changes to this practice will be communicated according to applicable law.

6) Data Retention

Personal information is retained only as long as necessary for legitimate purposes, account activity, and compliance with legal obligations. Examples include:

• Account and service records – maintained during the user relationship and up to 7 years for compliance purposes
• Compliance and risk records – generally 5–7 years
• Marketing communications – up to 3 years or until opt-out
• Log and analytics data – generally 12–24 months

After retention periods, data is securely deleted or anonymized.

7) Data Security

We implement administrative, technical, and physical measures to protect personal information, including:

• Encryption both in transit and at rest
• Access controls and role-based permissions
• System monitoring and audits
• Vendor security agreements
• Employee training and internal security policies

No system is entirely secure. Users are responsible for maintaining the confidentiality of account credentials and reporting unauthorized access.

8) Your Privacy Rights

Depending on your location, you may have the following rights:

• Access – confirm and obtain a copy of your personal information
• Correction – update inaccurate or incomplete information
• Deletion – request removal of personal information, subject to legal exceptions
• Portability – receive data in a structured, usable format for transfer to another service
• Opt-out – from certain sharing, marketing, or automated processing

Verification may be required, and some requests may be limited by law.

Submitting Requests: Email support@crunchyfinance.com with your full name, state, and type of request. You may authorize an agent to act on your behalf if permitted by law.

9) Children's Privacy

The App is intended for users 18 years or older. We do not knowingly collect personal information from children under the age of 13. If such data is discovered, it will be deleted immediately.

10) Cookies & Tracking

Cookies, software development kits (SDKs), and similar tools assist with login, security, preferences, and analytics. Adjusting browser or device settings may limit certain App features.

11) Third-Party Services

Links or integrations with third-party services are subject to their privacy policies. Crunchy Finance LLC is not responsible for third-party practices or content.

12) GLBA & FCRA

Certain nonpublic financial information is governed by the Gramm-Leach-Bliley Act (GLBA). Use of consumer reports is subject to the Fair Credit Reporting Act (FCRA). Hard credit checks require your explicit consent.

13) International Users

The App is designed for residents of the United States. Data may be processed within the U.S., and by using the App, you consent to such data transfer.

14) Policy Updates

We may update this Policy periodically. Material changes will update the effective date and may be communicated through in-app notifications or email. Continued use of the App constitutes acceptance of any changes.

15) Contact Information

For questions, concerns, or requests, contact:

Crunchy Finance LLC
Email: support@crunchyfinance.com