Privacy Policy

Effective Date: 09/15/2025

1) Overview
This Privacy Policy describes the ways in which Cash Advance Ava LLC (“Cash Advance Ava,” “we,” “our,” or “us”) gathers, manages, shares, and protects information about you when you install and use the Cash Advance Ava mobile application (the “App”). By continuing to use the App, you acknowledge and consent to the terms outlined here. If you disagree with this Policy, you should discontinue use of the App immediately.

Our practices follow U.S. legal frameworks and recognized standards, including the Federal Trade Commission Act, Gramm-Leach-Bliley Act (GLBA), and state consumer privacy laws such as the California Consumer Privacy Act and California Privacy Rights Act (CCPA/CPRA), along with similar requirements in Virginia, Colorado, Connecticut, and Utah. Certain rights described may not extend to information governed by GLBA or to users outside those states.

2) Company Details
Cash Advance Ava LLC
525 Randall Ave Ste 100 Ste R
Cheyenne, WY 82001
USA
Email: support@cashadvanceava.com

3) Who This Policy Covers
This Privacy Policy is directed toward individuals who download, register, or use the App. It does not apply to employees, contractors, or job candidates, who may receive separate privacy notices. The Policy also does not govern the privacy practices of unrelated third parties that may be accessible through links or integrations inside the App.

4) Categories of Data We Collect
We may collect the following categories of information:

• Identification Data: name, contact information, address, date of birth, and government-issued identifiers when required by law.
• Financial Records: employment details, income level, pay cycle, bank account and routing numbers, repayment activity, and transaction history.
• Sensitive Personal Data: information such as Social Security numbers or driver’s license images, collected only where required for identity validation and fraud control.
• Technical Information: device model, operating system, IP address, mobile carrier, application logs, and crash data.
• Location Data: approximate geographic location to comply with state rules and detect suspicious activity.
• Usage Preferences: information on how you interact with the App, your settings, and chosen features.
• Communications: customer support inquiries, messages, and feedback you provide.
• Derived Information: assessments generated to support risk management, eligibility decisions, and fraud checks.

We obtain this information from:
• You directly, through forms and uploaded documents.
• Your device, through automated data collection.
• Service providers that assist with identity checks, transaction processing, analytics, and fraud prevention.
• Public sources and legally authorized partners.

5) How Your Information Is Used
We use personal information to:
• Operate the App and provide requested services.
• Confirm your identity and determine eligibility for products.
• Detect and prevent fraud, abuse, or financial crime.
• Process disbursements, payments, and account servicing.
• Send account-related messages, agreements, and updates.
• Meet legal, regulatory, and industry compliance obligations.
• Conduct internal analysis, improve performance, and enhance security.
• Respond to your questions and resolve disputes.
• Administer rewards, loyalty, or promotional programs if you choose to participate.

6) Data Storage and Retention
We keep personal information only as long as it is necessary for the purposes listed above, or as required by law. Typical retention timelines may include:
• Customer records: duration of account plus up to 7 years post-closure.
• Compliance and risk documentation: up to 7 years, or longer where legal duties apply.
• Marketing-related data: up to 3 years after last engagement.
• Technical and analytics data: up to 24 months, after which it may be anonymized or deleted.

7) Selling or Sharing of Data
We do not sell your personal information to any third parties. We also do not engage in cross-context behavioral advertising. Should these practices change, we will update this Policy and provide mechanisms for you to exercise your opt-out rights, including recognition of Global Privacy Control where legally required.

8) Disclosure of Information
We may share personal information with:
• Service providers who support operations such as verification, hosting, analytics, payments, or customer service.
• Financial partners including banks, networks, or licensed lenders where necessary to facilitate services.
• Professional advisors (attorneys, auditors, consultants) under strict confidentiality obligations.
• Regulators or law enforcement agencies as required by applicable law.
• Business successors in the event of mergers, acquisitions, or asset transfers.

9) Your Rights and Choices
Depending on your state of residence, you may have the right to:
• Request access to the data we hold about you.
• Ask us to delete your personal information.
• Request corrections of inaccurate information.
• Receive a copy of certain data in portable format.
• Opt out of sale, sharing, or certain profiling activities.

To make a request, email support@cashadvanceava.com with “Privacy Request” in the subject line, including the type of request and your state of residence. We will verify your identity before processing requests.

10) Children’s Privacy
This App is intended for adults. We do not knowingly collect information from children under the age of 13. Users must be 18 years or older to apply for financial services. If we discover that a child has provided information, we will delete it promptly.

11) Security Measures
We implement technical, administrative, and physical measures to safeguard your information, including encryption and restricted access controls. While these efforts are designed to protect your data, no system can guarantee complete security.

12) Additional Retention Notes
After retention periods end, information is securely deleted or de-identified, except where longer storage is required due to legal proceedings, audits, or regulatory obligations. Aggregated or anonymized information may be retained for business purposes.

13) International Use
This App is developed for users in the United States. If you access the App outside the U.S., your data will be transferred to and processed in the U.S., which may have different data protection laws.

14) Third-Party Services
The App may contain integrations or links to other websites or services not operated by us. We are not responsible for their data handling practices. Please review their privacy policies separately.

15) Regulatory Disclosures
Some of the information we collect falls under GLBA rules. In such cases, the GLBA privacy notice we provide will govern. If in the future we share information with credit reporting agencies, rights under the Fair Credit Reporting Act (FCRA) will also apply. Currently, we do not conduct hard credit checks.

16) Updates to This Policy
We may revise this Privacy Policy from time to time. Any material updates will be communicated within the App or by email. The Effective Date at the top reflects the latest revision. Continued use of the App after updates signifies your acceptance of the revised Policy.

17) Contact Information
If you have questions, concerns, or requests regarding this Policy, please reach out to:

Cash Advance Ava LLC
525 Randall Ave Ste 100 Ste R
Cheyenne, WY 82001
USA
Email: support@cashadvanceava.com

18) Key Terms
• “Personal information” refers to data that identifies or could reasonably be linked to a specific individual.
• “Sensitive personal information” includes categories such as Social Security numbers, precise geolocation, and login credentials.
• “Sale” and “Share” follow definitions under state privacy laws.

19) Summary by Category
Identifiers: collected from you and your device; used for account setup and verification; shared with service providers and financial partners.
Financial Data: collected from you and your financial accounts; used for eligibility and repayment processing; shared with financial institutions and vendors.
Sensitive Information: collected only when required; used for fraud prevention and compliance; disclosed only as necessary under law.
Technical Data: collected automatically; used for analytics, performance, and security; disclosed to hosting and analytics vendors.
Location Data: approximate location; used for compliance and fraud prevention; disclosed only to necessary providers.
User Content: messages, uploaded files, and feedback; used for customer support and dispute resolution; disclosed to support teams or legal authorities.
Derived Signals: eligibility and risk scores; used internally and with necessary financial partners.