Privacy Policy

This Privacy Policy ("Policy") describes how BI Finance VP LLC ("we," "us," or "our") collects, uses, discloses, and safeguards personal information when you access or use the Instant Cash Advance - FinVP mobile application, website, and any related features or services (collectively, the "App"). By accessing or using the App, you acknowledge that you have read, understood, and agree to this Policy. If you do not agree with the terms of this Policy, you must discontinue use of the App.

We comply with applicable United States privacy, financial, and consumer protection laws and regulations, including but not limited to:

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

Certain rights described in this Policy may not apply to information governed by the GLBA or to users located outside applicable jurisdictions. This Policy applies to users located within the United States and does not apply to employees, contractors, or third-party services not under our control.

We collect personal information through three primary sources: information you provide directly, information collected automatically through your use of the App, and information obtained from third-party sources.

2.1 Information You Provide

• Identifiers - full name, date of birth, email address, phone number, and mailing address
• Government Identification - Social Security number, driver's license number, or other state-issued identification used for identity verification and compliance purposes
• Financial Information - employment details, income information, bank account data, transaction history, repayment information, and requested loan or cash-advance details
• Login and Security Information - usernames, passwords, PINs, and security verification responses, which are stored using secure encryption methods
• Communications - messages, documents, files, or uploads submitted through the App, including identity or financial documentation
• Consents and Acknowledgments - electronic signatures, acceptance checkboxes, confirmations, and records related to disclosures or agreements

2.2 Information Collected Automatically

• Device and Technical Information - IP address, device identifiers, operating system, app version, language settings, and diagnostic or crash data
• Usage Data - pages viewed, features accessed, session duration, timestamps, click activity, and referral sources
• Approximate Location Information - derived from IP address or device signals for fraud prevention, regulatory compliance, and service optimization
• Cookies, SDKs, and Similar Technologies - used to enable authentication, security features, user preferences, analytics, and performance monitoring; disabling these technologies may limit App functionality

2.3 Information from Third-Party Sources

• Identity verification and fraud prevention service providers
• Financial partners such as lenders, banks, loan platforms, and payment processors
• Credit bureaus or alternative data providers, where permitted by law and with appropriate consent
• Referral, advertising, or marketing partners that introduce users to the App or receive referrals from us
• Public databases or government sources, when required for verification or compliance

We use personal information collected through the App for the following purposes:

• To provide, operate, maintain, and improve the App and its features
• To create, authenticate, and manage user accounts
• To verify identity and detect, prevent, or investigate fraud through KYC, AML, and security monitoring
• To facilitate loan or cash-advance requests by sharing relevant information with participating financial partners for evaluation
• To support transactions, including payment processing, disbursements, and repayments
• To respond to customer inquiries, service requests, confirmations, and legal or operational communications
• To analyze usage trends, monitor performance, and resolve technical issues
• To comply with legal obligations, regulatory requirements, and enforcement of our Terms of Use
• To deliver optional marketing, informational, or educational communications, subject to user preferences and applicable law

Depending on the context and applicable law, we process personal information based on one or more of the following legal grounds:

• User consent, where required, including for certain marketing communications
• Contractual necessity, to provide services requested by the user
• Compliance with legal and regulatory obligations
• Legitimate business interests, including fraud prevention, security, risk management, and App improvement

We share personal information only as necessary to operate the App, fulfill the purposes described in this Policy, and comply with legal requirements.

5.1 Service Providers

We may share personal information with trusted third-party service providers that perform services on our behalf, including:

• Hosting and cloud infrastructure providers
• Identity verification and fraud prevention services
• Customer support platforms
• Analytics and performance monitoring services
• Payment processing and financial technology providers
• Security, risk management, and incident response vendors

Service providers are authorized to use personal information solely to perform contracted services and are subject to confidentiality and data security obligations.

5.2 Financial Partners

When you submit a loan or cash-advance request, relevant personal and financial information may be shared with participating lenders or financial partners to evaluate eligibility. Once information is shared, the privacy practices of those partners govern their use of the data. Users are encouraged to review partner disclosures carefully.

5.3 Legal and Safety Disclosures

We may disclose personal information as required to:

• Comply with applicable laws, regulations, subpoenas, or legal processes
• Protect the rights, property, or safety of BI Finance VP LLC, our users, or others
• Investigate, prevent, or respond to fraud, abuse, security incidents, or unlawful activity

5.4 Business Transfers

If BI Finance VP LLC is involved in a merger, acquisition, reorganization, bankruptcy, or sale of assets, personal information may be transferred as part of that transaction, subject to safeguards consistent with this Policy.

5.5 With User Authorization

We may share personal information when you explicitly authorize or direct us to do so.

5.6 No Sale of Personal Information

We do not sell personal information and do not engage in cross-context behavioral advertising. Any material change to this practice will be disclosed in accordance with applicable law.

We retain personal information only for as long as necessary to fulfill legitimate business purposes and comply with legal obligations, including:

• Account and service records - retained during the active user relationship and generally up to seven (7) years thereafter
• Compliance, fraud, and risk records - typically retained for five (5) to seven (7) years
• Marketing communications - retained for up to three (3) years or until a user opts out
• Log files and analytics data - generally retained for twelve (12) to twenty-four (24) months

After applicable retention periods expire, personal information is securely deleted or anonymized.

We implement reasonable administrative, technical, and physical safeguards designed to protect personal information, including:

• Encryption of data in transit and at rest
• Role-based access controls
• Continuous system monitoring and periodic security assessments
• Vendor security reviews and contractual safeguards
• Employee training and internal information security policies

Despite these measures, no method of transmission or storage is completely secure. Users are responsible for maintaining the confidentiality of account credentials and notifying us promptly of any unauthorized access.

Depending on your state of residence, you may have the right to:

• Access and obtain a copy of your personal information
• Request correction of inaccurate or incomplete information
• Request deletion of personal information, subject to legal and regulatory exceptions
• Receive personal information in a portable and structured format
• Opt out of certain data uses, sharing, or marketing communications

Requests may require identity verification, and certain rights may be limited or denied as permitted by law.

Submitting Requests:
To submit a privacy-related request, please contact us by email at [email protected] and include your full name, state of residence, and the nature of your request. Where permitted by law, you may authorize an agent to submit requests on your behalf.

The App is intended for individuals aged eighteen (18) and older. We do not knowingly collect personal information from children under the age of thirteen (13). If such information is identified, it will be promptly deleted.

We use cookies, SDKs, and similar technologies to support authentication, security, user preferences, and analytics. Modifying browser or device settings to block these technologies may affect App functionality.

The App may include links to or integrations with third-party websites or services. We are not responsible for the privacy practices, content, or security of third parties, which are governed by their own privacy policies.

Certain nonpublic personal financial information is regulated under the Gramm-Leach-Bliley Act (GLBA). The use of consumer reports and related data is governed by the Fair Credit Reporting Act (FCRA). Any hard credit inquiry requires your express authorization.

The App is intended for use by residents of the United States. Personal information may be processed and stored within the United States, and by using the App, you consent to such processing.

We may update this Policy from time to time. Any changes will be reflected by a revised effective date and may be communicated through the App or by email. Continued use of the App after an update constitutes acceptance of the revised Policy.

For questions, concerns, or privacy-related requests, please contact:

BI Finance VP LLC
455 N Clay Ave
Kirkwood, MO 63122-3905
Phone: (573) 367-5829
Email: [email protected]