Privacy Policy (App)

DAF Finance LLC ("DAF Finance," "we," "us" or "our") offers the Paycheck Advance: DAF Finance app for iPhone (the "App") and the website daffinance.com (the "Website," and together with the App, the "Service"). This Privacy Policy describes the personal information we handle, why we handle it, who receives it and what you can do about it.

DAF Finance is a loan-matching platform. We do not lend money, issue credit, approve applications or service loans. When you ask us to, we forward your request to independent lenders and lending partners ("Lenders") that may present offers. Each Lender is responsible for its own handling of your information under its own privacy policy.

1 What we collect

Sign-up and profile. Your mobile phone number, which we confirm with a 6-digit one-time code, and your first and last name. If you change your phone number in Your profile, we confirm the new number with a new code.

Loan request. The amount you would like to request and its purpose, such as personal needs, debt consolidation or medical expenses. The application then continues on a secure web page shown inside the App and operated with our lending partners. Depending on the Lenders available to you, that page may ask for your date of birth, home address, housing status, employment and income details, pay schedule, Social Security number, driver's license or state ID number, and bank account and routing numbers.

Your finances tracker. The income and expense entries you add, including the type of entry, amount, description, date and category (for example, housing, food, transport, healthcare, loan payments, salary or freelance income), and the monthly balances the App calculates from them.

Support. The email address and message you send through Contact support, and our replies.

Device and usage data. IP address and approximate location derived from it, device model, iOS and app version, crash and performance logs, and in-app activity such as screens viewed and steps completed. The Website does not use cookies, analytics or trackers.

From third parties. Lenders may tell us whether they presented an offer or funded a loan. Identity verification and fraud prevention vendors may confirm or flag the details you provide.

The App does not ask for access to your contacts, photos, camera, microphone, location or bank login credentials.

2 Why we use it

• To create and secure your profile and confirm your phone number.
• To send your request to Lenders and display the options they return.
• To run Your finances and show your balances, income and expenses by month.
• To prevent fraud, abuse and duplicate requests.
• To answer your support messages and send service notices by text message, email and in-app notification.
• To measure how the Service performs and improve it.
• To meet legal obligations and enforce our Terms of Use.

DAF Finance does not make credit decisions. We do not use your Your finances entries to decide which offers you see, and we do not send those entries to Lenders.

3 Who receives it

Lenders. After you agree, the details in your loan request are sent to Lenders in our network that may be able to present an offer. They may contact you, verify your information and check your credit, as explained in our Credit Authorization. Lenders pay us for these introductions, as described in our Advertising Disclosure.

Vendors. Companies that host our systems, deliver text messages and email, verify identity, prevent fraud, provide analytics and support our help desk, under contracts that limit their use of your information to serving us.

Legal and safety. Courts, regulators and law enforcement when the law requires it, and others where needed to protect the rights, property or safety of DAF Finance, our users or the public.

Business changes. A buyer or successor in a merger, acquisition or sale of assets, subject to this Privacy Policy.

4 Sale or sharing under state law

We do not sell information to data brokers. Because Lenders compensate us for the requests we forward, that disclosure may be considered a "sale" or "sharing" of personal information under the Colorado Privacy Act, the California Consumer Privacy Act and similar laws. You can opt out at any time by emailing contact-us@daffinance.com with the subject "Opt Out." We also honor the Global Privacy Control signal on the Website. After you opt out, we cannot forward your requests to Lenders, but you can keep using Your finances.

5 Tracking

We do not track you across other companies' apps or websites unless you choose "Allow" when the App shows Apple's App Tracking Transparency prompt. You can change this choice at any time in your iPhone's Settings.

6 Your controls in the App

• Edit your profile: change your first name, last name or phone number in Your profile.
• Edit or delete entries: change or delete any transaction in Your finances.
• Log out: sign out of the App from Your profile.
• Delete your account: in Your profile, tap Delete account and confirm. This permanently deletes your account, your Your finances entries and the personal information linked to your profile.

You can also email contact-us@daffinance.com to make any of these requests. Deleting your account does not delete information a Lender has already received; contact the Lender directly about its records.

7 Your privacy rights

If you live in Colorado, California, Connecticut, Oregon, Texas, Virginia or another state with a consumer privacy law, you may have the right to confirm whether we process your personal information, access it, get a portable copy, correct it, delete it, opt out of its sale, sharing, targeted advertising and profiling, limit the use of sensitive information such as your Social Security number and bank account details, and appeal our response. We will not treat you differently for using these rights.

To make a request, email contact-us@daffinance.com from the email address or phone number linked to your profile. We will verify your identity and respond within 45 days. An authorized agent may act for you with your signed permission. To appeal a decision, reply with "Appeal" in the subject line; we will respond within 45 days and, if you are not satisfied, you may contact the Colorado Attorney General or your state's attorney general.

Some financial information is covered by the federal Gramm-Leach-Bliley Act instead of state privacy laws; we protect that information as federal law requires.

8 How long we keep it

We keep your information while your account is open and as long as needed for the purposes above. After you delete your account, we delete or de-identify your information within 30 days, except records we must keep by law, to resolve disputes or to prevent fraud.

9 Security

We use encryption in transit, access controls and other safeguards to protect your information. No system is completely secure, and we will notify you of a breach where the law requires.

10 Children

The Service is for adults only. We do not knowingly collect information from anyone under 18 and will delete it if we learn that we have.

11 Updates

When we change this Privacy Policy, we will update the effective date and, for important changes, tell you in the App or by email before they apply.

12 Contact

DAF Finance LLC, 1520 Stout St, Denver, CO 80202, United States. Email: contact-us@daffinance.com.