Welcome to Loans & Cash Advance: E-MTrans
This Privacy Policy explains how Electronic Money Transfer LLC (“Loans & Cash Advance: E-MTrans,” “we,” “us,” or “our”) collects, uses, discloses, and protects your personal information when you access or use our mobile application (the “App”). By using the App, you acknowledge and agree to the practices described in this Policy.
1. Information We Collect
Information You Provide
When interacting with the App, you may be asked to provide:
- Identity Information: Your name, date of birth, Social Security Number (SSN), and government-issued ID details.
- Contact Information: Your address, phone number, and email address.
- Financial Information: Income details, employment status, banking information, and credit history.
- Loan Request Data: Requested loan amount, purpose, and repayment preferences.
Information Collected Automatically
When you access or use the App, we may automatically collect:
- Technical Information: Device type, operating system, browser, IP address, and unique device identifiers.
- Usage Data: App interactions, pages viewed, features used, and session duration.
- Location Information: If enabled, real-time geolocation data.
Information from Third Parties
We may supplement your data with information from external sources, including:
- Credit Reporting Agencies: Credit reports and related details to assess loan eligibility.
- Third-Party Lenders: Updates regarding your loan applications or offers.
- Verification Providers: Services used to confirm identity and prevent fraudulent activity.
2. How We Use Your Information
We use your information to:
- Process and submit loan requests to lending partners.
- Verify your identity and prevent fraud or unauthorized access.
- Respond to your inquiries and provide customer support.
- Improve App performance, functionality, and user experience.
- Comply with applicable laws, regulations, and contractual obligations.
- Send marketing or promotional communications, when you have given consent.
3. Sharing of Information
With Lending Partners
Your personal and financial information may be shared with third-party lenders to facilitate loan offers and eligibility assessments. Please note that each lender’s privacy practices are governed by their own policies, which we do not control.
With Service Providers
We may share data with trusted service providers who assist us in:
- Payment or transaction processing
- Identity verification and fraud prevention
- Data analytics, hosting, and marketing support
These providers are contractually bound to safeguard your information and use it only for authorized purposes.
Legal Disclosures
We may disclose your information when required by law or to protect rights, property, or safety, including to:
- Comply with subpoenas, court orders, or legal obligations
- Prevent, investigate, or respond to potential fraud or security incidents
- Enforce our Terms of Use or other agreements
Business Transfers
If Electronic Money Transfer LLC undergoes a merger, acquisition, sale, or reorganization, your information may be transferred as part of that transaction.
4. Your Privacy Choices
You have the right to:
- Access and Correction: Request a copy of your personal data or ask for corrections to inaccuracies.
- Deletion: Request deletion of your data, unless retention is legally required.
- Marketing Preferences: Opt out of receiving promotional emails or communications.
To exercise your rights, contact us at support@electronicmoney.net.
5. Security
We implement reasonable administrative, technical, and physical safeguards to protect your personal information, including:
- Encryption of data during storage and transmission
- Restricted employee access to sensitive data
- Ongoing monitoring for unauthorized access or suspicious activity
However, no system is entirely secure. Please exercise caution when sharing personal details online.
6. Data Retention
We retain your information only as long as necessary to:
- Provide services and complete transactions
- Meet legal, regulatory, and tax obligations
- Prevent fraud, enforce agreements, and resolve disputes
When retention is no longer required, your information will be securely deleted or anonymized.
7. Children’s Privacy
Loans & Cash Advance: E-MTrans is intended for users aged 18 and older. We do not knowingly collect or maintain data from minors. If we become aware that a user under 18 has submitted personal information, we will promptly delete it.
8. Third-Party Links and Services
The App may contain links to third-party websites or services not operated by us. We are not responsible for the content, privacy, or security practices of such third parties. We encourage you to review their respective privacy notices.
9. Updates to This Policy
We may update this Privacy Policy periodically to reflect operational or legal changes. If significant modifications occur, we will notify you via:
- In-App notifications, or
- Email communication (if applicable)
Your continued use of the App after any updates constitutes acceptance of the revised Policy.
10. Contact Us
If you have questions, concerns, or requests related to this Privacy Policy, please contact us:
- Electronic Money Transfer LLC
- Email: support@electronicmoney.net
By using Loans & Cash Advance: E-MTrans, you confirm that you have read, understood, and agreed to this Privacy Policy.