Naos Finances LLC ("Company," "we," "us," or "our") operates the Cash Advance Naos - Get Loans loan matching service and related websites and applications (collectively, the "Service"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Service. Please read this policy carefully. By accessing or using our Service, you acknowledge that you have read and understand this Privacy Policy.
This policy applies to information we collect through our website, mobile applications, email, telephone, and other electronic communications. It does not apply to information collected by third-party lenders or other partners to whom we may refer you. Those third parties have their own privacy policies governing their use of your information.
1. Information We Collect
We collect information that you provide directly to us, that we obtain automatically when you use our Service, and that we receive from third parties. The types of information we collect depend on how you interact with our Service.
1.1 Information You Provide Directly
- Personal Identification Information: When you submit a loan application or create an account, we collect your full name, date of birth, Social Security number (or portion thereof), mailing address, email address, telephone number(s), and government-issued identification (such as driver's license or state ID). We use this information to verify your identity and facilitate the loan matching process.
- Financial Information: We collect income information, employment status, employer name and contact details, bank account information (for direct deposit or verification purposes), credit score or credit report data (when you authorize us or our lending partners to obtain it), and other financial data necessary to match you with loan offers. This information is required to evaluate your eligibility and connect you with appropriate lenders.
- Application Information: We collect the loan amount requested, loan purpose, desired repayment term, repayment preferences, and any other information you submit through our application forms.
- Communications: When you contact us via email, phone, or through our contact form, we collect and retain records of that correspondence. This may include your name, email address, phone number, and the content of your message.
- Marketing Preferences: If you opt in to receive marketing communications, we may collect your preferences regarding the types of communications you wish to receive.
1.2 Information Collected Automatically
When you access our Service, we automatically collect certain information about your device and how you interact with our website or application:
- Device and Usage Data: IP address, browser type and version, operating system, device type and model, unique device identifiers, screen resolution, pages visited, time spent on pages, referring URLs, search terms, clickstream data, and similar technical data. We use this information to improve our Service, troubleshoot technical issues, and analyze usage patterns.
- Cookies and Similar Technologies: We use cookies, web beacons, pixels, and similar technologies to collect information about your browsing activities. Cookies are small data files stored on your device. We use session cookies (which expire when you close your browser) and persistent cookies (which remain until you delete them or they expire). We may use cookies for authentication, security, preferences, analytics, and advertising. You may control cookies through your browser settings; however, disabling cookies may limit certain features of our Service.
- Location Information: With your permission, we may collect your approximate or precise location (e.g., via IP address or GPS) to provide location-based services or comply with state-specific requirements.
1.3 Information from Third Parties
We may receive information about you from third parties, including:
- Credit Bureaus and Consumer Reporting Agencies: With your consent, we and our lending partners may obtain your credit report, credit score, and other consumer report information from Equifax, Experian, TransUnion, or other consumer reporting agencies.
- Lenders and Lending Partners: When you are matched with a lender or accept a loan offer, we may receive information about your application status, loan terms, or account status from the lender.
- Data Providers and Analytics Services: We may receive demographic or marketing data from third-party data providers to improve our services and comply with legal requirements.
- Identity Verification and Fraud Prevention Services: We may receive verification results from identity verification and fraud prevention services to confirm your identity and protect against fraud.
2. How We Use Your Information
We use the information we collect for the following purposes:
- Loan Matching: To match you with loan offers from our network of lenders and lending partners. We use your application information to identify lenders whose products may be suitable for your needs.
- Identity Verification and Fraud Prevention: To verify your identity, prevent fraud, and protect against unauthorized access to your account or our systems.
- Application Processing: To process and facilitate your loan application, including transmitting your information to lenders and communicating with you about your application status.
- Communications: To communicate with you about your application, account, loan offers, and our services. This includes transactional communications (e.g., application confirmations) and, where permitted by law and with your consent, marketing communications.
- Marketing: To send marketing communications about our services, products, or offers, where you have opted in or where permitted by law. You may opt out at any time via our Unsubscribe page.
- Service Improvement: To improve our Service, develop new features, conduct analytics, and understand how users interact with our platform.
- Legal and Regulatory Compliance: To comply with applicable laws, regulations, court orders, and government requests; to enforce our Terms of Use and other agreements; and to protect our rights, property, and safety, and that of our users and others.
- Other Purposes: For any other purpose disclosed to you at the time of collection or with your consent.
3. Sharing and Disclosure of Information
We may share your information with the following categories of recipients:
- Lenders and Lending Partners: When you submit a loan application, we share your information with lenders in our network to facilitate matching and loan offers. These lenders are independent third parties with their own privacy policies. They may use your information to evaluate your application, perform credit checks, and communicate with you about loan offers. We do not control how lenders use your information once it is shared.
- Service Providers: We share information with third parties who perform services on our behalf, such as hosting, analytics, payment processing, identity verification, customer support, email delivery, and marketing. These providers are contractually obligated to protect your information and use it only for the purposes we specify.
- Credit Bureaus: With your consent, we may obtain and share information with consumer reporting agencies for credit checks. See our Credit Authorization page for more information.
- Legal and Regulatory: We may disclose your information when required by law, court order, or government request; to enforce our terms; to protect rights, property, or safety; or to respond to legal process.
- Business Transfers: In connection with a merger, acquisition, sale of assets, or bankruptcy, your information may be transferred to the acquiring entity. We will notify you of any such change.
We do not sell your personal information to third parties for their own marketing purposes. We may share information for purposes that may constitute a "sale" or "share" under certain state laws (e.g., California). California residents may opt out via our Do Not Sell My Personal Information page.
4. Your Choices and Rights
Depending on your location, you may have certain rights regarding your personal information:
- Access and Portability: You may request a copy of the personal information we hold about you. In some jurisdictions, you may also request that we provide your information in a portable format.
- Correction: You may request correction of inaccurate or incomplete information. We will verify your identity before making changes.
- Deletion: You may request deletion of your personal information, subject to legal exceptions (e.g., we may retain information as required by law or for legitimate business purposes).
- Opt-Out of Marketing: You may unsubscribe from marketing emails at any time via the link in our emails or by visiting our Unsubscribe page. You may also opt out of marketing calls and texts by contacting us or your lender.
- Do Not Sell: California residents may opt out of the "sale" or "sharing" of personal information. See our Do Not Sell My Personal Information page.
- Limit Use of Sensitive Information: In some jurisdictions, you may limit how we use certain sensitive personal information.
To exercise these rights, contact us at [email protected] or through our Contact page. We will respond to your request within the timeframes required by applicable law. We may need to verify your identity before processing your request. We will not discriminate against you for exercising your privacy rights.
5. Data Security
We implement administrative, technical, and physical safeguards to protect your personal information. These measures include:
- Encryption: We use industry-standard encryption (e.g., 256-bit SSL/TLS) to protect data in transit between your browser and our servers.
- Access Controls: We restrict access to personal information to employees and service providers who need it to perform their jobs. Access is granted on a need-to-know basis.
- Secure Storage: We store personal information in secure environments with appropriate access controls and monitoring.
- Training: We train our employees on data security and privacy practices.
However, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security. You are responsible for maintaining the confidentiality of your account credentials. If you believe your information has been compromised, please contact us immediately.
6. Data Retention
We retain your information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Retention periods may vary based on the type of information and applicable law. For example:
- Application Data: We may retain application data for several years to comply with legal obligations (e.g., anti-fraud, consumer protection) and to support our business operations.
- Marketing Data: If you opt out of marketing, we will retain your opt-out preference and may retain minimal contact information to honor your opt-out.
- Logs and Analytics: We may retain server logs and analytics data for a limited period for security and operational purposes.
When we no longer need your information, we will securely delete or anonymize it.
7. Children's Privacy
Our Service is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If you are under 18, please do not use our Service or provide any information to us. If you believe we have collected personal information from a child under 18, please contact us immediately at [email protected], and we will take steps to delete such information.
8. Third-Party Links
Our Service may contain links to third-party websites or services, including lenders, partners, and social media platforms. We are not responsible for the privacy practices of these third parties. When you click on a link to a third-party site, you leave our Service and are subject to that third party's privacy policy. We encourage you to read the privacy policies of any third-party sites you visit.
9. California Privacy Rights
California residents have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including:
- Right to Know: You may request to know what personal information we collect, use, disclose, and sell.
- Right to Delete: You may request deletion of your personal information, subject to certain exceptions.
- Right to Opt Out of Sale/Sharing: You may opt out of the "sale" or "sharing" of your personal information. See our Do Not Sell My Personal Information page.
- Right to Correct: You may request correction of inaccurate personal information.
- Right to Limit Use of Sensitive Information: You may limit our use of certain sensitive personal information.
- Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights.
To exercise these rights, contact us at [email protected] or through our Contact page. We will respond within 45 days. You may designate an authorized agent to make requests on your behalf.
10. Other State Privacy Laws
Residents of other states (e.g., Virginia, Colorado, Connecticut, Utah) may have similar rights under applicable state privacy laws. Please contact us to exercise your rights or to learn more about our practices in your state.
11. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, applicable law, or the Service. We will notify you of material changes by posting the updated policy on this page and updating the "Last Updated" date. For significant changes, we may provide additional notice (e.g., by email or a prominent notice on our website). Your continued use of the Service after changes constitutes acceptance of the revised policy. We encourage you to review this policy periodically.
12. Contact Us
If you have questions about this Privacy Policy or our privacy practices, contact us at:
Naos Finances LLC
901 W Ash St, Columbia, MO 65203-2635
Phone: (720) 924-4186
Email: [email protected]