Privacy Policy

At CashGulp, our mission is to provide you with clarity for all of your life’s financial decisions. We do so by empowering you with financial information and guidance you can trust and by providing you with tools to help you make the best decisions for your financial needs.

When you input your personal financial information into our websites and other applications, we have an obligation to provide you with clarity regarding how your data is accessed and used by CashGulp, its affiliates, vendors, partners, and other third-party entities within the value chain.

To that end, this Privacy Policy describes the information we collect from you, how we use your information, whom we share your information with, and the steps we take to protect your information.

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Scope of this Privacy Policy
This Policy applies to your access and use of all products and services that are made available by CashGulp, Inc. or its affiliates, including Fundera, Inc. (the “CashGulp Services” or “Services”) through our websites, including but not limited to www.cashgulp.com and our downloadable mobile applications (collectively, the “Site”).

By using the Services, you consent to the privacy practices described in this Policy.

Most of our data collection, use, and sharing practices are governed by the Gramm-Leach-Bliley Act. Please see our Gramm-Leach-Bliley Privacy Notice for a summary of privacy options related to most of our Services. Capitalized terms that are not defined in the Privacy Policy have the meaning given to them in the CashGulp Terms of Use.

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I. Information We Collect
A. INFORMATION WE COLLECT DIRECTLY FROM YOU

We may collect information directly from you when you use our Services — for example, when you register to become a member, when you request to prequalify for a third-party credit card or loan product, when you request your TransUnion credit report and/or score, when you link your third-party financial accounts, or when you fill out calculators, forms, or other fields on our Site. In such cases, we may ask you to provide us with one or more of the following pieces of information:

• Name.

• Email address.

• Mailing address.

• Phone number.

• Date of birth.

• Social Security number.

• Your registration information, such as a username and password.

• Your third-party financial account information, such as an ID and password.

• Your financial information, such as investments, income, expenses, investable assets, investing risk tolerance, or other similar types of information.

• Information about your job or business.

• Age, gender, or other similar demographic information when such information is relevant to a particular financial product or service you have requested (for example, when requesting auto insurance rates or using retirement planning calculators).

• When you communicate with us, either by email, phone, or other means of communication, we may also collect the content of these communications, including but not limited to recordings of phone calls where permitted by law.

Please note: We do not store your third-party financial account ID or passwords. Instead, we securely pass this information to our third-party partners when you request Services that require us to confirm your identity, when you request to prequalify for their products, and/or to provide you with access to your financial information on our Site.

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B. INFORMATION AUTOMATICALLY COLLECTED

Information Collected
When you visit the Site, use the Services, or open an email from CashGulp, we may automatically receive and record certain information from your computer, web browser, and/or mobile device, including without limitation:

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• IP address or other device address or ID.

• Web browser and/or device type.

• Geolocation data, including if you use the Site on a mobile device.

• Hardware and software settings and configurations.

• Web pages or sites that you visit just before or just after visiting the Site.

• Pages you view on the Site.

• Your actions on the Site, including the electronic path you take to our Site, through our Site, and when exiting our Site, as well as your usage and activity on our Site, such as the links and objects you view, click, or otherwise interact with (also known as “Clickstream Data”).

• Dates and times that you visit, access, or use the Services.

 

Cookie Information

When you use the Services, we may send one or more Cookies (which are small text files containing a string of alphanumeric characters) to your computer or mobile device. We may use both Session Cookies and Persistent Cookies. A Session Cookie disappears after you close your browser. A Persistent Cookie remains after you close your browser and may be used by your browser on subsequent visits to the Services. Persistent Cookies can be removed. Please review your web browser “Help” file to learn the proper way to modify your Cookie settings. If you delete, or choose not to accept, Cookies from the Services, you may not be able to utilize the features of the Services to their fullest potential.

 

Third-Party Web Beacons and Third-Party Buttons

We may implement third-party advertising or other content on the Site that may use clear GIFs or other forms of web beacons, which allow the third-party content provider to read and write Cookies to your web browser in connection with your viewing of the third-party content on the Site. Additionally, we may implement third-party buttons (such as Facebook “like” or “share” buttons) that may allow a third party to collect information about you through their browser Cookies, even when you do not interact with the button.

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We also engage third-party partners and vendors like Google Analytics, Hotjar, and others, who provide analytics and advertising services, to assist us in providing you the Site and our Services. We allow these third parties, including nonaffiliated business partners, advertising networks, analytics providers, and other advertising service providers, to automatically collect Clickstream Data and other information about your online activities on the Site and across your browsers and devices using cookies, web beacons, mobile advertising identifiers, and other technologies. For example, we may use third-party analytics tools to help us understand and record the electronic path you take to our Site, through our Site, and when exiting our Site, as well as your usage and activity on our Site, such as the links and objects you view, click, or otherwise interact with. We use this data for our own analytics and advertising purposes, as well as to facilitate partner relationships and your interactions with other third parties. In addition, certain of our third-party partners may use this information to display online advertisements tailored to your interests and preferences across your browsers and devices, to conduct ad campaign measurement and website analytics, to detect, prevent, and report fraud, or to carry out their own business and commercial purposes.

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Due to differences between using websites and apps on mobile devices, you may need to take additional steps to opt out on both platforms. Many mobile devices allow you to opt out of interest-based advertising for mobile apps using the settings within the mobile app or your mobile device. For more information, view company contact information below.