Poppa Loans Inc. Privacy Policy

1. Overview
Poppa Loans Inc. (‘Poppa Loans’, ‘we’, ‘our’, or ‘us’) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, store, and protect information when you visit our website, submit a loan request, or otherwise interact with our services.

2. Who We Are
Poppa Loans Inc. is a Texas Credit Services Organization (CSO) and Credit Access Business (CAB), NMLS #2842249. We are not a lender. We help connect consumers with independent third-party lending partners.

3. Information We Collect
We may collect personal identifiers, contact information, date of birth, Social Security number, employment and income information, banking information, government-issued identification, device information, IP address, browser information, and application-related information.

4. How We Collect Information
We collect information directly from you, automatically through website technologies, from service providers, identity verification vendors, fraud prevention providers, consumer reporting agencies, and lending partners.

5. How We Use Information
We use information to process loan requests, verify identity, prevent fraud, comply with legal obligations, communicate with you, improve our services, maintain website security, and connect you with participating lenders.

6. Information Sharing
We may share information with lending partners, service providers, payment processors, fraud prevention vendors, analytics providers, legal advisors, regulators, law enforcement, and other parties as required or permitted by law. We do not sell personal information for monetary compensation.

7. Cookies and Tracking Technologies
We may use cookies, web beacons, analytics tools, and similar technologies to operate the website, improve user experience, measure performance, and maintain security. Users may adjust browser settings to manage cookies, although some website functionality may be affected.

8. Data Security
We maintain administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, alteration, and destruction. No method of transmission or storage can be guaranteed to be completely secure.

9. Data Retention
We retain personal information for as long as reasonably necessary to provide services, satisfy legal and regulatory obligations, resolve disputes, enforce agreements, and protect our business interests.

10. Consumer Rights
Depending on applicable law, you may have rights to request access to, correction of, or deletion of certain personal information. Requests may be subject to identity verification and legal limitations.

11. California Privacy Rights
Although our services are intended for Texas consumers, California residents who interact with our website may have certain privacy rights under California law. Requests may be submitted using the contact information below.

12. Children’s Privacy
Our services are intended for individuals who are at least 18 years old. We do not knowingly collect personal information from children.

13. Third-Party Websites
Our website may contain links to third-party websites. We are not responsible for the privacy or security practices of third parties.

14. Updates to this Policy
We may update this Privacy Policy from time to time. Changes will become effective upon posting of the revised policy and updated effective date.

15. Contact Information
For privacy-related questions or requests, please contact Poppa Loans Inc. using the contact information published on our website.