Effective Date: August 29, 2025

Welcome to Cash Advance by Home Finance! This Privacy Policy describes how CO Home Finance LLC (“Cash Advance by Home Finance,” “we,” “us,” or “our”) collects, uses, discloses, and safeguards your information when you use our mobile application (the “App”) and related services. By accessing or using the App, you agree to the practices described below.

1. Information We Collect

We collect both personal and non-personal information to provide, improve, and secure our services.

1.1 Information You Provide

  • Identity Information: Your name, date of birth, and government-issued identification details.
  • Contact Information: Email address, phone number, and mailing address.
  • Financial Information: Employment data, income, banking details, and credit-related information.
  • Loan Request Data: Requested amount, loan purpose, and repayment preferences.

If you use our AI Chat Assistant or Debt Payoff Planner, your input may also be processed to generate personalized responses or financial insights.

1.2 Information Collected Automatically

  • Technical Data: Device type, operating system, IP address, browser type, and device identifiers.
  • Usage Data: Pages or screens viewed, time spent in the App, and interaction patterns.
  • Location Data: With your consent, we may collect approximate or precise location information to tailor services.

1.3 Information from Third Parties

  • Credit bureaus or verification partners (to validate identity or assess eligibility).
  • Third-party lenders (regarding loan application status or outcomes).
  • Analytics and fraud prevention providers (to improve performance and security).

2. How We Use Your Information

Your data is used to operate and enhance our services, including:

  • Loan Matching: Forwarding your loan request details to independent lenders.
  • AI Assistant & Tools: Providing financial insights, educational responses, and payoff recommendations.
  • Verification: Confirming your identity and protecting against fraud.
  • Customer Support: Responding to inquiries and technical issues.
  • Service Improvement: Analyzing trends to enhance user experience.
  • Legal Compliance: Meeting regulatory, tax, or law enforcement requirements.
  • Marketing: Sending product updates or promotional offers (only with your consent).

3. Sharing of Information

We may share your information in limited circumstances:

3.1 Sharing with Licensed Lenders

When you submit a loan request, we share your application data with select state-licensed U.S. lenders for matching. Lenders make independent credit decisions. We receive referral fees for qualified leads only. This does not affect your loan terms or rates.

Sample partner agreement: yourapp.com/partners/lead-supply-agreement-sample.pdf

3.2 With Service Providers

We engage trusted third parties to help us operate and improve the App, including:

  • Data hosting and analytics
  • Customer support and communication tools
  • Identity verification and fraud prevention

These partners are required to maintain confidentiality and use your information only as directed by us.

3.3 For Legal Reasons

We may disclose information if required to:

  • Comply with legal processes or government requests
  • Protect our rights, property, or safety, or that of our users
  • Prevent potential fraud or illegal activity

3.4 During Corporate Changes

If Cash Advance by Home Finance is involved in a merger, acquisition, or sale of assets, your data may be transferred as part of that transaction.

4. Your Privacy Choices

You have the right to:

  • Access and correct the personal information we hold about you.
  • Request deletion of your information, subject to legal or contractual obligations.
  • Opt out of marketing emails or notifications at any time.

To exercise your rights, contact us at support@CoHomeFinance.com.

4.1. CCPA Rights (California Residents)

Right to know what data we share with partners, request deletion, opt-out of sharing. Email: support@CoHomeFinance.com.

5. Data Security

We use reasonable administrative, technical, and physical safeguards to protect your data, including:

  • Encryption during transmission and storage
  • Access restrictions for authorized personnel only
  • Continuous system monitoring and security updates

While we strive to protect your information, no system is completely secure. Please use caution when sharing personal data online.

6. Data Retention

We retain your information only as long as necessary to:

  • Provide and improve our services
  • Comply with legal obligations
  • Resolve disputes and prevent fraud

When data is no longer needed, it is securely deleted or anonymized.

7. Children’s Privacy

Our App is intended for users aged 18 and older. We do not knowingly collect information from minors. If we learn that we have collected data from an individual under 18, we will promptly delete it.

8. Third-Party Links

The App may include links to third-party websites or tools. We are not responsible for their content, privacy practices, or data handling. Please review their privacy policies separately before sharing information.

9. Updates to This Policy

We may update this Privacy Policy periodically. If significant changes are made, we will notify users via in-app alerts or email. Continued use of the App after updates constitutes acceptance of the revised Policy.

10. Contact Us

For questions, concerns, or data requests, please contact us:

CO Home Finance LLC
Email: support@CoHomeFinance.com

By using Cash Advance by Home Finance, you acknowledge that you have read and understood this Privacy Policy.