Privacy Policy

Last Updated:

Opening Statement:

At ("Money For Bad Credit"), our goal is to facilitate connections between you and a diverse marketplace of third-party lenders, financial service providers, debt relief providers, aggregators, direct mail marketers, and email marketers ("Service Providers").

What Data We Collect

Anonymous and Aggregated Web Traffic Information.

We collect and store general traffic, site usage, browser information, length-of-stay information, and location data in log files. This data is collected and shared in an anonymous and aggregated manner, ensuring that it is not linked to your name or other personal information.

Personal Information (non-financial).

We collect various personal information in the following situations:

Requests for Service: When you initiate the process of connecting with a Service Provider, we collect the following personal information through the Loan Request form on our homepage: first and last name, phone number, email address, cell phone number, date of birth, age, military affiliation, educational background, mailing address, employer, work phone number, driver’s license, social security number, and zip code.
Other Requests: We also collect information that users voluntarily provide to us, including through requests made via the Contact Us Form on our website. Additionally, we may collect email addresses from individuals who communicate with us via email.

Financial Information.

When you utilize our Loan Request form to request our services, we gather additional details including but not limited to:

Bank information: This includes your bank name, bank account type, bank account number, and bank routing number.

Duration of banking relationship: We collect the number of months you have been associated with your bank.

Pay dates: Information regarding your pay dates is gathered.

Loan request specifics: We collect details such as the requested loan amount, purpose of the loan, and desired monthly payment.

Income information: This includes your monthly income, pay period, primary source of income, and estimated credit score.

Employment details: We gather information about your employment, such as your employer's name, job title, and length of employment.

Debt information: We collect data related to your total debt amount and the type of debt, such as credit card debt or personal loan debt.

Asset ownership: Information about any assets you own may also be collected.

Please note that this is not an exhaustive list and additional information may be requested based on specific circumstances.

Categories of Sources.

We obtain information from various sources, including:

Directly from you: This occurs when you provide information through online forms or when using our website to access our services.
Third parties: We receive data from different sources, such as affiliates, aggregators, publishers, marketers, lead generators, referring websites, or advertising campaigns.

In some cases, we may combine the personal information collected directly from you with other information received from third-party sources. Additionally, Service Providers who acquire your information may enhance it by supplementing your personal details with additional information obtained from other sources.

How We Utilize the Collected Information:

We utilize anonymous and aggregated information to enhance the operation and development of our services. Your personal information is processed for the legitimate interest of connecting you with a Service Provider. Additionally, we may utilize your financial information to facilitate the connection with a Service Provider.

By providing us with your contact information, you expressly consent to being contacted by us or one or more Service Providers via telephone, email, or postal mail. It is important to note that your information may be shared with aggregators or marketers rather than lenders, financial service providers, or debt relief providers. This may result in multiple offers from various entities.

Furthermore, we may share some or all of your information with third-party marketers and list managers who have a business relationship with us. These entities may use your personal information to communicate with you regarding other marketing or business offers through various channels.

In certain circumstances, we may also use or disclose your information if required by law or if we have a good faith belief that such access, preservation, or disclosure is reasonably necessary to protect the rights, property, or safety of Money For Bad Credit, its users, or the public.

The processing of your information for the aforementioned purposes is necessary for us to carry out our services and is in the best interests of both parties. When relying on our legitimate interests as the basis for processing your information, we conduct a balancing test that considers the legitimate interest, necessity of processing, and its impact on you.

If you have any questions or concerns regarding the processing of your information for this legitimate interest, please feel free to contact us. We will seek your consent before using your information for purposes that go beyond what you may reasonably expect from a company offering referrals to a marketplace of lenders, financial service providers, or debt relief providers, and that may have a more significant impact on your privacy.

Money For Bad Credit collaborates with trusted vendors in categories such as call center services, email delivery, and data storage. We only provide these companies with the necessary information to deliver the requested service, and they are contractually prohibited from using the information for any other purpose.

As our business continues to evolve, we may engage in the acquisition or sale of businesses or assets. In such transactions, customer information, including site visitor information, is typically one of the transferred assets. In the event of a transaction involving the sale of some or all of Money For Bad Credit's businesses, customer information may be disclosed during negotiations. In such cases, the transferred information may become subject to a different privacy policy.

Third Party Advertisers

To offer our services free of charge, we may display advertisements on this Website. By accessing or using this Website, you explicitly consent to receiving these advertisements. These advertisers may utilize their own tracking technologies, such as cookies, to gather information about you and other users of this website who view or engage with their advertisements. It is important to note that when you click on an advertiser's advertisement on our website, you may be directed to a different website operated by that advertiser or their marketing partner. Please be aware that the information practices of these third-party websites are not covered by this policy. We recommend reviewing the privacy statements and terms of use of all third-party websites you visit.

Understanding Cookies and Their Purpose in Our Operations:

As part of offering and providing customizable and personalized services, we use cookies and other online tracking technologies to store and sometimes track information about you to:

Provide you with personalized content based on your use of our websites
Enable you to more easily use our websites by remembering and using contact information and form information
Evaluate, monitor and analyze the use of our websites and their traffic patterns to help improve our websites and services

The types of technologies we use include:

Cookies.

A cookie is a small piece of data that is sent to your browser from a web server and stored on your computer's hard drive. It allows us to recognize your browser as a unique user. Cookies may involve the transfer of information from us to you and vice versa. Additionally, another party may use cookies on our behalf, following their own privacy policy. There are two types of cookies: persistent cookies, which are used each time you access our website, and session cookies, which are used only during a specific browsing session. For instance, a session cookie may help us remember your navigation through a particular menu. We may also employ "analytics cookies" that allow web analytics services to identify your browser or device. This information is anonymized and used for statistical analysis purposes. Analytics cookies are typically persistent cookies.

You have the option to disable cookies or set your browser to notify you when a cookie is being sent. However, disabling cookies may result in the loss of certain features or functionalities. It's important to note that disabling cookies is specific to your browser. For example, if you disable cookies in Microsoft Edge, you will need to do the same in Safari if you use that browser at a different time.

Log Files.

"Log files" track actions occurring on our websites and collect data including your IP address, browser type, internet service provider, referring/exit pages and date/time stamps.

Web Beacons.

"Web beacons," "tags," and "pixels" are electronic files used to record information about how you browse the site. You cannot disable web beacons or pixel tags and they are not visible when browsing.

Your Options for Managing Your Information:

Your Rights Regarding Personal Information and "Do Not Track"

You have the right to request access, correction, or deletion of any personal information you have provided to us. If you wish to exercise these rights, please contact us. However, please be aware that we may not be able to fulfill a request to change information if we believe it would violate any laws or legal requirements, or if it would result in incorrect information.

You may have come across the concept of "Do Not Track" (DNT), which is a privacy preference that can be set in web browsers. It's important to note that our website does not support DNT codes.

Safeguarding Your Information:

We have appropriate security measures in place to prevent personal information from being accidentally lost or used or accessed in an unauthorized way. We limit access to your personal information to those employees and Service Providers who have a genuine business need to know it to provide you with lending, financial services, debt relief services, or other marketing offers. Those processing your information will do so only in an authorized manner and are subject to a duty of confidentiality.

Our online forms use encryption technology for personal and financial information.

We also have procedures in place to deal with any suspected data security breach. We will notify you and any applicable regulator of a suspected data security breach where we are legally required to do so.

How Long We Keep Your Information:

We keep your information only so long as we need it to provide the service you've requested and to fulfill the purposes described in this policy. Because people who purchase or download resources from Money For Bad Credit are often interested in other solutions and resources, we keep your information on file to enable you to receive such resources. If you subscribe to our mailing list, we keep your contact information on file until you instruct us to remove it. If you unsubscribe from an email list or opt-out of email communications, we keep your email address on our opt-out list.

Children's Online Privacy Protection Act Compliance:

This website is not intended for use by individuals under the age of 18. We are in compliance with the requirements of the Children’s Online Privacy Protection Act (COPPA) and we do not knowingly collect any information from anyone under 13 years of age. Our website and services are directed to people who are at least 18 years of age and older. When notified of a user who is not over the age of 18, we will take immediate remedial measures to remove that individual from our user database.

For Our Friends in CA:

Privacy Notice for California Residents

This Privacy Notice is specifically for residents of the State of California and should be read in conjunction with our general privacy policy provided above. It applies to all visitors, users, and others who reside in California.

Your Rights

As a resident of California, you have certain rights under the California Consumer Privacy Act ("CCPA"). These rights include the right to:

Know what personal information is being collected about you;
Know whether your personal information is sold or disclosed, and to whom;
Opt-out of the sale of your personal information;
Access your personal information;
Request the deletion of your personal information; and
Receive equal service and price, even if you exercise your privacy rights under this law.

Please note that these rights are provided under the CCPA and apply specifically to California residents.

Categories of Personal Information We Collect

We collect information that identifies you, your household or your device or is reasonably capable of being connected with or linked to you, your household, or your device ("Personal Information"). Personal information does not include public information available from government records, de-identified or aggregated information or information that is protected by certain laws such as HIPAA for health related information and the Gramm-Leach Bliley Act (GLBA) for certain financial information.

We collect the following categories of Personal Information:

Identifiers
- First and last name
- Mailing address (including length at address)
- Telephone number (including best time to call)
- Email address
- Birth month and date
- Military affiliation
- Social Security Number
- Zip code
- Driver’s License
- Marital status
- Internet Protocol (IP) Address
Personal Information Listed in the California Customer Records Statute
- The above identifiers
- Employment information
  - Employment status
  - Employer
  - Length of employment
  - Job title
  - Monthly income, pay period and paycheck type
  - Illness/disability
  - Work phone number
- Credit card information
  - Debt amount and rate
  - Past due amount
  - Credit status
- Financial information
  - Auto status
  - Own/rent car
  - Own/rent home
  - Bank name
  - Bank account type (checking or savings)
  - Bank account number
  - Bank routing number
  - Length at bank
  - Loan amount
  - Loan purpose
  - Debt amounts (including mortgage debt, auto debt unsecured debt, tax debt, secured debt, student loan debt, medical debt, payday loan debt, personal loan debt)
  - Primary income source
Characteristics of Protected Classifications
- Age
- Military affiliation
Commercial Information
- Information about your debt history
- Information about your assets
Biometric Information
- Not collected
Internet or Other Electronic Network Activity Information
- Cookies
- Domain name
- Browser type and version
- Operating system
- Usage data
- Visit frequency
- Referring affiliate information
- Referring ad campaign
- Time on site
- Source URL
- Redirect URL
Geolocation Data
- Information that tells us from where you access our website
Sensory Data
- Not collected
Professional or Employment-Related Information
- Employment status
- Employer
- Length of employment
- Job title
- Monthly income, pay period and paycheck type
- Illness/disability
- Work phone number
Non-public Education Information
- Degree attained
- Education level
- Graduation year
Inferences Drawn from Other Personal Information
- Your potential preferences for lending services, debt relief services, or other financial services

Categories of Sources of Personal Information

We collect information from the following categories of sources:

Directly from you. For example, when you complete online forms or access our Website to utilize our services.
Third Parties. For example, when we receive data from an aggregator, marketer, lead generator, referring website or advertising campaign.

We share information in each of the above categories as follows:

All categories of information
- We will share information in all of the above categories if our company is sold or we engage in a merger or other such transaction.
- We will share information in all of the above categories of information in connection with a law enforcement request that is compliant with the California Electronic Communications Privacy Act.
Identifiers
- We share identifiers with service providers who use that information only to provide services to us such as shipping, name and address verification, email distribution and promotions management.
- We share identifiers with Service Providers such as lenders, financial service providers, debt relief providers, aggregators and other marketers whose services we believe may be of interest to you. To opt-out of this sharing, see how to submit an opt-out request below.
Personal Information Listed in the California Customer Records Statute
- We share this information with Service Providers such as lenders, financial service providers, debt relief providers, aggregators and other marketers whose services we believe may be of interest to you. To opt-out of this sharing, see how to submit an opt-out request below.
Characteristics of Protected Classifications
- We share this information with Service Providers such as lenders, financial service providers, debt relief providers, aggregators and other marketers whose services we believe may be of interest to you. To opt-out of this sharing, see how to submit an opt-out request below.
Internet or Other Electronic Network Activity Information
- We share this information with our data analytics providers
- We share this information with Service Providers to track referrals and ad campaign activity.
Professional or Employment-Related Information
- We share this information with Service Providers such as lenders, financial service providers, debt relief providers, aggregators and other marketers whose services we believe may be of interest to you. To opt-out of this sharing, see how to submit an opt-out request below.
Non-public Education Information
- We share this information with Service Providers such as lenders, financial service providers, debt relief providers, aggregators and other marketers whose services we believe may be of interest to you. To opt-out of this sharing, see how to submit an opt-out request below.
Inferences Drawn from Other Personal Information
- We share this information with Service Providers such as lenders, financial service providers, debt relief providers, aggregators and other marketers whose services we believe may be of interest to you. To opt-out of this sharing, see how to submit an opt-out request below.

How We Use Your Information

See "What We Do with the Information We Collect" above to learn how we use your information. We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

How We Retain and Store Your Personal Information

We retain your personal information for as long as necessary to fulfill the purpose(s) for which we collected it and to comply with applicable laws. We use reasonable security precautions to protect your information while in storage.

Requests to Know

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:

The categories of personal information we collected about you.
The categories of sources for the personal information we collected about you.
Our business or commercial purpose for collecting or selling that personal information.
The categories of third parties with whom we share that personal information.
The specific pieces of personal information we collected about you (also called a data portability request).
If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
- sales, identifying the personal information categories that each category of recipient purchased; and
- disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

Requests to Delete

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.

We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:

Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
Debug products to identify and repair errors that impair existing intended functionality.
Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
Comply with a legal obligation.
Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

How To Submit a Request to Know or a Request to Delete

To request this information please submit a verifiable consumer request to us by either:

Mailing us at Emblaze Cash, LLC 6709 W. 119th Street #338, Overland Park, Kansas 66209 or
Contacting us at the Contact Us Form on our website.

Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information. To designate an authorized agent, Contacting us at the Contact Us Form on our website and we will provide you with a form to make a designated agent request.

You may only make a verifiable consumer request for access or data portability twice within a 12-month period. To make a request, you must:

Provide sufficient information that allows us to reasonably verify that you are the person about whom we collected personal information or that you are an authorized representative
- If you request the categories of information we collect, we require your first and last name and your date of birth.
- If you request the specific information or to have your information deleted, we require your first and last name, date of birth and at least one additional data point from the above list of identifiers.
Describe your request with sufficient detail that allows us to understand, evaluate and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

How To Submit an Opt-Out Request

To exercise the right to opt-out, you (or your authorized representative) may submit a request to us by visiting the following Internet Web page link: Do Not Sell My Personal Information.

You do not need to create an account with us to exercise your opt-out rights. We will only use personal information provided in an opt-out request to review and comply with the request.

Timing and Fees for Requests

We will try to respond to your request within forty-five (45) days of when we receive it. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance, specifically by electronic mail communication.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

Deny you goods or services.
Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
Provide you a different level or quality of goods or services.
Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

However, we may offer you certain financial incentives permitted by the CCPA that can result in different prices, rates, or quality levels. Any CCPA-permitted financial incentive we offer will reasonably relate to your personal information's value and contain written terms that describe the program's material aspects. Participation in a financial incentive program requires your prior opt in consent, which you may revoke at any time.

Other California Privacy Rights

California's "Shine the Light" law (Civil Code Section § 1798.83) permits users of our Website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us at the Contact Us Form on our website. Please make sure to state that you are a California resident.

Your Nevada Privacy Rights

Nevada law (SB 220), permits customers in Nevada to opt-out of the sale of certain kinds of personal information. A sale under Nevada law is the transfer of this personal information to third parties for monetary consideration so these third parties can then re-sell or license the sold information. If you are a Nevada resident and wish to opt-out of the sale of your personal information, you must send a request by contacting us at the Contact Us Form on our website. Please make sure to state that you are a Nevada resident.

How We Make Changes to This Policy:

We may change this policy from time to time and if we do, we'll post any changes on this page. If you continue to use our website after those changes are in effect, you agree to the new policy. If the changes are significant, we may provide a more prominent notice or get your consent, as required by law.

Push Notifications:

With your consent, we may send push notifications or alerts to your web browser or your mobile device. These notifications may include marketing messages from us or from third parties. You can deactivate these messages at any time by changing the notification settings on your mobile device or browser.

How to Contact Us:

If you have any questions about this policy or need to contact the Company to exercise your privacy rights, please contact Emblaze Cash Privacy Officer at: contact us or by mail at Emblaze Cash, LLC, 6709 W. 119th Street #338, Overland Park, Kansas 66209.