Privacy Policy

Last Updated: 03/11/2025

Welcome to 365 Loan! This Privacy Policy describes how Instant Cash Advance by 365 Loan LLC ("Company," "we," "us," or "our") collects, uses, shares, and protects your personal information when you access or use the 365 Loan mobile application (the "App"). By using the App, you agree to the terms of this Privacy Policy. If you do not agree, please do not use the App.

1. Information We Collect

We collect different types of information to provide and improve our services. This includes:

a. Information You Provide Directly

When you use the App, you may provide us with certain personal information, including:

• Personal Identification Details: Full name, date of birth, Social Security number (SSN), and government-issued identification details.
• Contact Information: Email address, phone number, and residential address.
• Financial Information: Employment details, monthly income, bank account information, and credit score (if applicable).
• Loan Application Data: Loan amount requested, purpose of the loan, and repayment preferences.

b. Information Collected Automatically

We automatically collect certain information when you use the App, such as:

• Device Information: IP address, browser type, operating system, and unique device identifiers.
• Usage Data: Pages visited, features used, and time spent on the App.
• Geolocation Data: If you enable location services, we may collect and process your real-time location.

c. Information from Third Parties

We may receive information from third parties, including:

• Credit Bureaus & Financial Institutions: To assess creditworthiness and eligibility for loan offers.
• Third-Party Lenders: Lenders may share loan application statuses and offer details with us.
• Identity Verification Services: To help us prevent fraud and verify your identity.

2. How We Use Your Information

We use your information for various purposes, including:

• Loan Processing: Submitting loan applications to Lenders and facilitating approvals.
• Identity Verification: Ensuring compliance with financial regulations and preventing fraud.
• Customer Support: Assisting with inquiries, complaints, and service-related issues.
• Improving Our Services: Enhancing the App’s performance and user experience.
• Legal Compliance: Meeting regulatory requirements and enforcing our policies.
• Marketing & Communications: Sending promotional offers, newsletters, and updates (with your consent).

3. How We Share Your Information

We may share your information with the following entities:

a. Third-Party Lenders

Your personal and financial details may be shared with Lenders to generate loan offers. These Lenders operate independently, and their use of your data is governed by their own privacy policies.

b. Service Providers

We work with third-party service providers to:

• Process payments.
• Verify identities and prevent fraud.
• Provide analytics and marketing services.

c. Legal and Regulatory Authorities

We may disclose your information when required by law, including:

• Complying with subpoenas or legal processes.
• Preventing fraud, illegal activities, or security threats.
• Enforcing our Terms of Use and protecting our legal rights.

d. Business Transfers

If our company undergoes a merger, acquisition, or asset sale, your information may be transferred to the acquiring entity.

4. Your Rights and Choices

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

• Access and Correction: Request access to your personal data or ask for corrections.
• Data Deletion: Request deletion of your personal data, subject to legal obligations.
• Marketing Preferences: Opt out of promotional emails, SMS messages, and push notifications.
• Do Not Sell My Information: We do not sell your data, but you can request additional privacy controls.

To exercise your rights, email us at hi@cashadvanceby365.com.

5. Data Security

We take security seriously and implement safeguards to protect your data, including:

• Encryption: Sensitive information is encrypted during transmission and storage.
• Restricted Access: Only authorized personnel have access to your data.
• Fraud Monitoring: We use AI-powered security tools to detect and prevent unauthorized activity.

However, no security measure is foolproof. You should use the App with caution and report any suspected data breaches immediately.

6. Retention of Information

We retain personal information as long as necessary for:

• Providing Services: Ensuring loan applications and transactions are processed smoothly.
• Legal Compliance: Meeting regulatory requirements and financial reporting obligations.
• Fraud Prevention: Maintaining records to detect and prevent fraudulent activity.

If you request data deletion, we will comply unless we are legally required to retain certain records.

7. Children's Privacy

The App is not intended for individuals under 18. We do not knowingly collect personal data from minors. If we become aware of such data, we will delete it immediately.

8. Third-Party Links and Services

Our App may contain links to third-party websites, services, or applications. We are not responsible for their privacy practices. Please review their privacy policies before sharing any information.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. If we make significant changes, we will notify you through:

• An in-app notification.
• An email sent to your registered address.

Continued use of the App after changes are posted constitutes acceptance of the revised policy.

10. Contact Information

For privacy-related inquiries or requests, contact us at:
Instant Cash Advance by 365 Loan LLC
Principal Office: 30 N Gould St Ste N, Sheridan, WY 82801 USA
Email: hi@cashadvanceby365.com

By using the App, you acknowledge that you have read, understood, and agreed to this Privacy Policy.