1F Cash Advance (“1F Cash Advance,” “we,” “us,” or “our”) is committed to protecting the privacy and security of personal information collected from consumers. This notice is prepared in accordance with the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), and explains the rights of California residents. If you live in California and use our website or services, you acknowledge that you have reviewed this notice and understand how 1F Cash Advance collects, uses, and protects your personal information.

Categories of Personal Information We Collect

Over the past twelve (12) months, 1F Cash Advance may have collected certain categories of personal information in accordance with the requirements of the CCPA. This includes data that helps us provide services and stay in contact with customers. Such data may include your name, mailing address, email address, phone number, online identifiers, and IP address.

The categories of personal information we may collect include:

  • Identifiers. Information that can be used to identify you or contact you, such as your name, mailing address, email address, phone number, IP address, and account identifiers. 
  • Sensitive personal information. In certain cases, this may include Social Security numbers, driver’s license or state identification numbers, financial account information, and precise geolocation data when required to provide services or by law.
  • Financial and employment information. We may collect information about your income, employer, employment status, and pay schedule. This information is used solely to determine eligibility based on established criteria.
  • Internet activity. This includes information about how you use our website, the pages you view, and device identifiers and cookie data.
  • Communications. We may retain records of phone calls, emails, text messages, and other correspondence when you communicate with us.
  • Inferences and analytics. Inferences may be drawn from other personal information to help us better understand customer needs and improve our services.

We do not knowingly collect personal information from individuals under the age of sixteen (16). All information is collected and processed strictly in accordance with applicable laws.

Sources of Personal Information

In the course of its ordinary business activities, 1F Cash Advance collects personal information from various sources. This data is used solely to operate our services and process inquiries. Sources of information include:

  • Directly from consumers.
  • Automatically from devices.
  • Service providers and business partners.
  • Credit reporting agencies.
  • Public and government sources.
  • Authorized representatives.

Purposes for Collecting and Using Personal Information

We collect and use personal information only for lawful business and commercial purposes and strictly in accordance with applicable law. This data is necessary for the proper operation of our services and for customer interaction. The main purposes for using this information include:

  • Reviewing and evaluating loan applications.
  • Verifying a customer’s identity and preventing fraud or unauthorized activity.
  • Providing requested financial services and customer support.
  • Communicating with applicants and customers regarding applications and services.
  • Maintaining accurate internal records and documentation.
  • Complying with federal and state legal requirements, including reporting and regulatory obligations.
  • Improving website functionality, service quality, and overall operational efficiency.

We do not use personal information for purposes that materially differ from those disclosed at the time of collection without prior notice, where such notice is required by law.

Sale and Sharing of Personal Information

1F Cash Advance does not sell personal information as that term is defined under the California Consumer Privacy Act (CCPA). As part of our lawful operations, we may share personal data with service providers or contractors only for permitted business purposes, such as processing applications, providing services, preventing fraud, ensuring security, and meeting legal requirements. All such parties operate under contracts that limit the use of the information and require appropriate safeguards. We do not allow personal data to be used for independent purposes unless expressly permitted by law. Any sharing of information is carried out in compliance with the CCPA and the CPRA.

California residents have the right to opt out of the sale or sharing of their personal data. Although 1F Cash Advance does not sell personal information, we respect this right. If needed, you may submit a request: Do Not Sell My Personal Information and Limit the Use of My Sensitive Personal Information. We also honor valid opt-out signals, including Global Privacy Control, where required by law. Exercising this right will not result in discrimination.

How to Submit a Privacy Request

California residents may submit privacy-related requests by email. To ensure that we can process your request quickly and accurately, please include the following information:

  • Your full legal name.
  • A current email address and phone number for contact.
  • Confirmation that you are a resident of the State of California.
  • A clear description of the right you are requesting. 
  • Any information related to your application or account.

Requests should be sent to [email protected]. We will confirm receipt of your request and respond within the timeframes required under California law.

Right to Non-Discrimination

1F Cash Advance does not restrict or penalize customers for exercising their rights under the CCPA or CPRA. We do not deny services, change prices, or reduce service quality because of privacy-related requests.

However, certain personal information may be required to provide financial services. If such data is deleted or restricted, some transactions or services may become unavailable. Any such limitations are based on lawful business requirements.

Changes to This Notice

We may update this Privacy Notice when our practices or legal requirements change. All updates are posted on our website with a new effective date. We recommend reviewing this notice periodically. By continuing to use our services after an update, you confirm that you have reviewed the revised version. Previous versions may be retained for recordkeeping and legal compliance purposes.