Effective Date: August 14, 2025
Welcome to CactiFin, a mobile application operated by Cash CactiFin LLC (“CactiFin,” “we,” “our,” or “us”). This Privacy Notice explains how we collect, use, share, and protect your information when you use our App. By accessing or using CactiFin, you acknowledge that you have read and understood this Notice.
1. Information We Collect
We may collect the following types of information:
- Personal Identifiers: name, email address, phone number, physical address, date of birth, Social Security Number.
- Financial Information: income details, bank account information, employment details.
- Device and Technical Data: IP address, device type, operating system, session activity, crash reports.
- Location Data: approximate geolocation derived from IP or device signals.
2. How We Use Information
Your data may be used to:
- Process and forward loan requests to lenders.
- Provide customer service and technical support.
- Customize your App experience.
- Ensure compliance with legal and regulatory obligations.
- Protect against fraud and unauthorized access.
3. Sharing and Sale of Information
CactiFin may share or sell personal information with licensed lenders, financial networks, and verified marketing partners who are contractually obligated to:
- Use the data only for legitimate business purposes such as evaluating loan requests.
- Comply with strict data security and privacy standards.
- Avoid re-selling or misusing information beyond the intended scope.
We do not guarantee approval or loan terms; all credit decisions are made solely by third-party lenders.
4. Data Security
Protecting your information is a priority. We employ multiple layers of security, including but not limited to:
- SSL/TLS encryption for all data transmitted between your device and our servers.
- Firewalls and intrusion detection systems to monitor and block unauthorized access.
- Access control policies ensuring that only authorized personnel can access sensitive data.
- Routine security audits and monitoring to identify vulnerabilities and respond quickly to threats.
- Data minimization practices, retaining only the information necessary for operations and compliance.
Despite these measures, no system can guarantee 100% security. Users are encouraged to take precautions such as securing their devices and using strong passwords.
5. Your Rights and Choices
- Access & Correction: You may request access to the information we hold about you or correct inaccuracies.
- Opt-Out of Sale: You may opt out of the sale of your personal information at any time by contacting us.
- California Residents (CCPA Rights): If you live in California, you may request disclosure, deletion, or opt-out of data sales without discrimination in service.
Requests can be submitted to support@cactifinancial.com
