Privacy Policy

1) What This Policy Covers

This Privacy Policy ("Policy") explains how Lean Personal Finance LLC ("Company," "we," "us," or "our") collects, uses, shares, and protects personal information when you access or use the Cash Advance by LP Finance website, mobile application, and related services (collectively, the "App" or "Services").

By accessing or using the App, you agree to this Policy. If you do not agree, you must not use the App.

We follow applicable U.S. privacy, financial, and consumer-protection laws and guidance, including, where applicable:

• Gramm–Leach–Bliley Act (GLBA)
• California Consumer Privacy Act (CCPA), as amended by the CPRA
• Fair Credit Reporting Act (FCRA)
• Federal Trade Commission (FTC) rules
• Comparable state privacy and data-protection laws

Certain rights described in this Policy may not apply to GLBA-regulated information or to users outside specific U.S. states.

This Policy applies to U.S. users of the App. It does not apply to Company employees, contractors, or job applicants, and it does not govern third-party services that we do not own or control.

2) Information We Collect

We collect information in three primary ways: directly from you, automatically through your use of the App, and from third parties.

2.1 Information You Provide to Us

Depending on how you use the App, you may provide:

• Personal Identifiers — such as full name, date of birth, email address, phone number, and mailing or residential address
• Government Identifiers — such as Social Security number or government-issued ID, where required for identity verification and fraud prevention
• Financial Information — including employment details, income information, bank account and routing numbers, transaction data, repayment details, and loan request information
• Login & Security Information — such as usernames, passwords, PINs, or authentication credentials (handled using appropriate security safeguards)
• Communications & Support Data — information submitted through emails, in-app messages, uploads, or attachments
• Consents & Authorizations — electronic signatures, consent acknowledgments, and confirmations related to applications, disclosures, and legal notices

2.2 Information Collected Automatically

When you use the App, we may automatically collect:

• Device & Technical Data — IP address, device identifiers, operating system, app version, language settings, and diagnostic data
• Usage & Analytics Data — pages viewed, features used, session duration, navigation paths, timestamps, and referral sources
• Approximate Location Data — derived from IP address for fraud detection, compliance, and eligibility purposes
• Cookies, SDKs & Similar Technologies — used for security, authentication, preferences, analytics, and performance measurement

You may control certain tracking technologies through your device or browser settings, though some features may not function properly if disabled.

2.3 Information from Third Parties

We may receive information about you from:

• Identity Verification & Fraud-Prevention Providers
• Financial Partners — including lenders, banks, servicers, and payment processors involved in providing or servicing financial products you request
• Credit Bureaus & Alternative Data Sources — where permitted by law and, when required, with your consent
• Marketing and Lead Partners
• Public Records or Government Sources — as necessary for compliance and risk management

3) How We Use Your Information

We use personal information for purposes that include:

• Operating and maintaining the App and its features
• Verifying identity and preventing fraud or unauthorized activity
• Matching users with potential loan or financial offers from third-party partners
• Facilitating communications, confirmations, and required notices
• Improving performance, analytics, and product functionality
• Complying with legal, regulatory, audit, and recordkeeping obligations
• Providing educational content and optional communications, where permitted

4) Legal Bases & Key Principles

Our processing of personal information is based on one or more of the following, depending on context:

• Your consent
• Contractual necessity
• Compliance with legal obligations
• Legitimate business interests such as security, fraud prevention, and service improvement

5) How We Share Information

We disclose personal information only as reasonably necessary and in accordance with applicable law.

5.1 Service Providers

We share information with vendors that perform services on our behalf, including hosting, analytics, security, identity verification, customer support, and payment processing.

5.2 Financial Partners

When you request financial options, we may share relevant information with participating lenders or partners so they can evaluate eligibility and present potential offers. Their privacy practices govern further use of that information.

5.3 Legal & Regulatory Disclosures

We may disclose information when required by law or to protect the rights, safety, or property of the Company, users, or others.

5.4 Business Transfers

Information may be transferred in connection with a merger, acquisition, financing, or sale of assets, subject to equivalent privacy protections.

5.5 No Sale of Personal Information

We do not sell personal information as defined under applicable state privacy laws, and we do not engage in cross-context behavioral advertising.

6) Data Retention

We retain personal information only as long as reasonably necessary for the purposes described above and as required by law.

7) Data Security

We use administrative, technical, and physical safeguards designed to protect personal information. No system is completely secure, and users are responsible for protecting their account credentials.

8) Your Privacy Rights

Depending on your state of residence, you may have rights to access, correct, delete, or receive a copy of your personal information, subject to legal limitations and verification requirements.

8.1 How to Submit a Request

Requests may be submitted to:

Email: support@leanpersonalfinance.com
Subject: Privacy Request

9) Children's Privacy

The App is intended for adults only. We do not knowingly collect personal information from individuals under 18.

10) Third-Party Services

The App may link to or integrate with third-party services. We are not responsible for their independent privacy practices.

11) GLBA & FCRA Notices

Certain information may be subject to GLBA or FCRA requirements. Where applicable, those laws govern and may limit certain rights described in this Policy.

12) Updates to This Policy

We may update this Policy from time to time. Material changes will be reflected by an updated effective date and additional notice where required.

13) Contact Us

Lean Personal Finance LLC
Email: support@leanpersonalfinance.com