Privacy Policy
GDL FINANCE d.o.o. (“we,” “us”) operates the Cash Advance - Instant Loan mobile application (the “App”). We start with what we commit to do and not do with your information, and then give the details. By using the App you acknowledge this Policy.
| What we DO | What we DO NOT do |
|---|---|
| Collect information you enter and basic technical data from your device | Make credit decisions or approve, price, or fund loans |
| Securely pass your request to independent lenders and providers at your direction | Sell personal information in exchange for money |
| Use safeguards that fit the sensitivity of the data | Promise that any system is perfectly secure |
| Let you ask for access, correction, and deletion | Treat you unlawfully differently for using your rights |
| Respect marketing opt-outs | Knowingly collect information from children under 18 |
| Keep data only as long as reasonably needed | Control what lenders and other third parties do after they receive your data |
Part 1. What We Do
We collect what is needed to run the App
From you: legal name, date of birth, email, phone number, address, employment information, pay amount and frequency, homeownership and residency status, bank account and other financial details, a Social Security number or similar identifier where needed for verification or processing, driver’s license or other ID details if you provide them, and any messages you write.
From your device: IP address, device type and model, operating system and app version, device and app identifiers, language settings, access times, screens viewed, interactions and clickstream, and crash or performance logs. We may also receive signals from identity checks and fraud monitoring.
To do this, the App and third-party tools that support it may use SDKs, local storage, log files, pixels, and device identifiers. Where the law or platform requires permission or consent, we provide or rely on it, and your device settings can limit some collection. Some features may not work without certain permissions.
We pass your request to lenders and providers
The App is a submission platform. At your direction, we securely send your request to one or more independent third-party lenders or financial service providers (“Providers”) who may review it. After that, their own privacy notices and communication practices apply.
We use information for these purposes
- running, maintaining, troubleshooting, and improving the App;
- receiving your request and transmitting it to Providers;
- communicating about your request, support, updates, and notices;
- verifying identity and preventing fraud, misuse, and unauthorized access;
- analyzing performance and diagnosing problems;
- meeting legal obligations, enforcing our Terms of Use, and protecting rights and the integrity of the App.
We share it with limited recipients
- Providers, to consider and respond to your request.
- Service providers for hosting, analytics, support, security, messaging, and maintenance, who may use data only to serve us.
- Authorities and others when we believe in good faith that disclosure is required by law or necessary to comply with legal process, investigate fraud or security incidents, protect people or property, or establish or defend legal claims.
- Successors in a merger, acquisition, financing, restructuring, bankruptcy, or sale of assets.
- People you direct us to share with, or with your consent.
We protect and limit retention
We use administrative, technical, and organizational safeguards, which may include encryption in transit, access controls, monitoring, and vendor oversight. We keep information only as long as reasonably necessary for the purposes above, including security, legal compliance, dispute resolution, and enforcing agreements; then we delete, de-identify, or anonymize it under applicable law and internal practice.
We honor your choices
| Choice | How |
|---|---|
| Access, correction, deletion | Contact us or use any request tool in the App. We may verify identity, and may deny or limit requests where the law allows. Deletion may take time, and some records must be kept for legal, tax, audit, fraud-prevention, security, or dispute reasons. |
| Consent and limits | Withdraw consent where we rely on it; ask us to limit certain processing; opt out of sale or sharing where the law provides. |
| Appeals | Appeal a denied request where the law provides that right. |
| Marketing | Use the unsubscribe method in a message or contact us. |
California residents may, depending on how the law applies to us, have the rights to know, correct, delete, and opt out of sale or sharing, and to limit certain uses of sensitive personal information. Sensitive identifiers, such as Social Security and account numbers, are used only to provide the service you request and as the law permits.
Part 2. What We Do Not Do
We do not make credit decisions
We are not a lender, creditor, or loan originator. We do not evaluate creditworthiness, set APRs or fees, or approve or deny applications. Providers do, independently.
We do not sell your information for money
Sending your request to Providers happens at your direction. Some state laws define “sale” or “sharing” broadly. If any of our disclosures falls within such a definition, we will honor opt-out requests and recognized opt-out preference signals as the law requires.
We cannot promise perfect security
No transmission or storage method is completely secure, so we cannot guarantee absolute security.
We do not control third parties
Providers, linked sites, and other third parties have their own practices. After a Provider receives your information at your request, it controls how it uses, contacts you about, and keeps that information. We encourage you to read their policies.
We do not knowingly collect children’s information
The App is for people 18 and older. If we learn we collected information from a child in violation of law, we will take steps to delete it.
Part 3. Other Notes
Where data lives
The App is for U.S. users; information is primarily stored and processed in the U.S. Some vendors may process data elsewhere under contractual and other safeguards.
App stores
Your app store or device may add privacy rules. We may update notices, permissions, retention, and deletion flows to comply with them and the law.
Updates
We may revise this Policy and update the effective date; revisions apply when published in the App unless a later date is stated.
Contact
GDL FINANCE d.o.o.
Email: [email protected]
Mailing address: Kidriceva ulica 25, Celje, SAVINJSKA 3000, Slovenia