Privacy Policy

1. Introduction and Scope

Fast Cash 4 Junkers LLC ("FastCash," "we," "us," or "our") operates FastCash: Cash Advance & Loans, a loan-matching and lead-generation platform that connects users with third-party financial partners. We are not a lender and do not make credit decisions.

This Policy explains what information we collect, how we use it, and—critically—how we sell or share it, to whom, and under what conditions. By downloading or using the FastCash mobile application, by visiting this website and related pages we operate at fastcash4junkers.com, or by otherwise using our online services, you agree to this Policy. The App and these online services are intended for U.S. residents age 18 and older.

Effective date: May 5, 2026

2. Laws and Regulatory Framework

Our privacy program is designed to align with applicable U.S. federal and state requirements, including the Gramm-Leach-Bliley Act (GLBA), the California Consumer Privacy Act as amended by the California Privacy Rights Act (CCPA/CPRA), the Fair Credit Reporting Act (FCRA), Federal Trade Commission (FTC) rules and guidance (including expectations for lead generation and data brokers), the CAN-SPAM Act, the Telephone Consumer Protection Act (TCPA), and other state consumer privacy laws where they apply.

Under GLBA, certain categories of information you provide—such as Social Security numbers, bank account and routing numbers, income, and employment details—may constitute nonpublic personal financial information when held by a financial institution or related entity. Under CCPA/CPRA, "sale" means sharing personal information for monetary or other valuable consideration, and "sharing" includes certain disclosures for cross-context behavioral advertising, each as defined in applicable regulations.

Important: GLBA-covered data may be subject to separate initial and annual privacy notices and may limit or preempt certain state-law privacy rights for specific datasets. Similarly, FCRA-covered consumer report information may be subject to its own notice and authorization rules. Where federal law conflicts with or preempts state law, we follow the controlling federal standard.

3. Information We Collect

3a. Information You Provide Directly

• Personal identifiers: full legal name, date of birth, email, phone number (mobile/home), full residential address including city/state/ZIP.
• Government and identity documents: Social Security number (SSN), driver's license number and issuing state.
• Financial and employment information: bank account number, routing number, bank name and account type, employer name, employer phone, employment status/job title, gross income, source of income, and loan or cash-advance purpose.

Why we collect SSN: for identity verification, fraud prevention, and know-your-customer (KYC) steps that our lender and partner network may require before extending or pricing credit-related products. SSN and related identifiers are transmitted using encryption in transit (TLS 1.2 or higher) wherever technically supported.

Why we collect bank account and routing numbers: so participating lenders can verify account ownership, support underwriting, and—where you proceed with an offer—arrange ACH disbursement or repayment as permitted by law and partner policy.

Why we collect driver's license data: to verify identity, support state eligibility checks, and satisfy KYC/AML obligations that partners may impose.

Why we collect employer phone: so lenders or verification vendors may confirm employment and income when permitted by law and partner workflow.

3b. Information Collected Automatically

• Device identifiers, operating system, App version, and IP address
• Usage patterns, session data, and clickstream or in-app navigation events
• Approximate location derived from IP address or device signals (not continuous GPS tracking unless disclosed at collection)
• Data collected through cookies, mobile SDKs, pixels, and similar technologies

3c. Information From Third Parties

• Identity and fraud-prevention vendors that help validate submissions
• Consumer reporting agencies, credit bureaus, and alternative data providers (where a "consumer report" or regulated disclosure may apply under FCRA)
• Marketing or referral partners who send users to the App or co-register leads

4. How We Use Your Information

We use personal information for the following business purposes:

• To create and manage your account and session security
• To verify your identity (KYC), prevent fraud, and evaluate eligibility for partner products
• To package your information into a lead, match you with participating partners, and route or display offers
• To sell personal information to third-party lenders, financial institutions, marketing partners, aggregators, and lead buyers (see Section 5)
• To process and fulfill transactions, referrals, or partner introductions you initiate
• To send transactional messages and, where you have consented or law permits, marketing communications
• To improve App performance, conduct analytics, and troubleshoot errors
• To comply with legal obligations, respond to lawful requests, and enforce our Terms of Use

5. Sale and Sharing of Personal Information

This section describes one of the most important aspects of our business: we monetize leads by selling or sharing personal information with third parties. Please read it carefully.

5.1 We Sell Your Personal Information

Fast Cash 4 Junkers LLC sells personal information as that term is defined under the CCPA/CPRA and other applicable state laws. We may also "share" personal information for certain advertising-related purposes where those terms apply.

We sell or provide data to categories of recipients that typically include: licensed third-party lenders and financial institutions; insurance and financial-product companies; debt relief and credit counseling providers; marketing partners (for financial and non-financial offers); data brokers and aggregators; and lead buyers who may combine or resell data downstream.

Depending on your submission, data sold or shared may include: name, phone, email, address with ZIP, SSN, driver's license number, bank account number, routing number, bank name, employer name, employer phone, income, employment status, and loan purpose, together with device, session, or derived data we associate with your lead.

We may receive monetary compensation, per-lead fees, referral fees, revenue share, or other valuable consideration in exchange for personal information. Compensation structures may influence which partners receive data first, in what order offers appear, or how prominently certain partners are featured.

5.2 Categories of Third Parties Who Buy or Receive Your Data

• Licensed lenders and financial institutions offering products such as personal loans, installment loans, cash advances, and lines of credit
• Insurance companies and other financial-service providers
• Debt relief and credit counseling companies
• Marketing partners that may present financial or non-financial offers by email, SMS, phone, or online advertising
• Data brokers and aggregators that may combine, enrich, score, or resell data to additional buyers

Once information is sold or disclosed to a third party, that party's privacy notice governs its subsequent processing in most cases. We do not control how independent buyers, brokers, or lenders use or resell data after receipt, and we cannot guarantee their retention or security practices.

5.3 Your Right to Opt Out of Sale (and Similar State Rights)

California residents and residents of other states that recognize an analogous right may opt out of the sale of personal information (and, where applicable, certain types of "sharing") as defined by law.

How to opt out: email [email protected] with the subject line "Do Not Sell My Information", or use any in-app "Do Not Sell" or privacy settings link we make available. We will process verified opt-out requests within 15 business days unless a different timeline is required by law. Opting out stops future sales from our systems; it does not delete or claw back data already sold to third parties, and we cannot force downstream buyers to erase their copies.

After you opt out, we may still disclose information where required by law, to prevent fraud, to protect rights and safety, or to complete a transaction or service you requested (for example, forwarding a lead you affirmatively chose to submit to a named lender).

6. Legal Basis for Processing

Depending on context and applicable law, we rely on one or more of the following bases:

• Consent — where we seek consent before collection, sale, or marketing (for example, optional marketing channels). You may withdraw consent at any time using the controls described in this Policy; withdrawing consent may limit features or prevent us from matching you with partners if processing becomes impossible without the data.
• Contractual necessity — processing needed to operate the App, create leads, and deliver the matching and referral services you request.
• Legal obligation — processing required for KYC/AML, sanctions screening, recordkeeping, tax, litigation holds, or responses to lawful governmental requests.
• Legitimate interests — where permitted, processing for fraud prevention, security monitoring, service improvement, and internal analytics, balanced against your rights.

7. Data Retention

We retain information for as long as reasonably necessary for the purposes described, subject to law:

• Full applicant profile (name, SSN, address, bank details, income, employment): retained for the duration of our relationship with you plus 5 to 7 years after your last activity, or longer if required by law or an active legal hold. Example: if you last used the App in January 2025, core profile elements may be retained until at least January 2030–January 2032 unless a longer period applies.
• Lead and sale records (recipient identity, timestamps, pricing, and related metadata): 5 to 7 years to support FTC-adjacent recordkeeping expectations, dispute resolution, and regulatory inquiries.
• Marketing and communication records (consent logs, email/SMS opt-ins, campaign responses): 2 to 3 years after your last interaction, or until opt-out plus 90 days for suppression lists where required.
• Device and usage logs (IP address, session data, clickstream): typically 12 to 24 months.
• Do Not Sell / opt-out logs: a minimum of 5 years to demonstrate compliance. Example: an opt-out received in March 2025 may be retained in audit logs until at least March 2030.
• Support communications: 3 years after ticket resolution unless a longer period is justified by law.

Specific retention periods may vary by data category, risk assessment, or updated regulatory guidance. Where law requires a longer retention period, the legal minimum controls. Where we anonymize information so that it can no longer reasonably be linked to you, we may retain it without a defined end date.

8. Data Security

We maintain administrative, technical, and organizational safeguards designed to protect personal information, including encryption in transit (TLS 1.2 or higher) and encryption at rest using AES-256 or comparable algorithms where applicable; role-based access controls; least-privilege principles for workforce and vendor accounts; logging and monitoring; and periodic risk reviews or audits.

We perform vendor security due diligence where feasible and include contractual data-protection and confidentiality terms with material service providers and buyers. Buyers remain independently responsible for securing data after receipt.

Your responsibility: safeguard device passcodes and account credentials; log out of shared devices; and notify us immediately at [email protected] if you believe your account or information has been accessed without authorization.

No system is 100% secure. If a breach affects sensitive personal information, we will provide notices to affected individuals and regulators as required by applicable law, including any required content or timing for your jurisdiction.

9. Your Privacy Rights

Depending on where you live, you may have some or all of the following rights regarding personal information we hold (subject to verification and legal exceptions):

• Right to know / access: request the categories and specific pieces of personal information we collected; the categories of sources; our business or commercial purposes; the categories of third parties to whom we disclosed or sold information; and, where technically feasible, the specific third parties that purchased or received your lead.
• Right to delete: request deletion of personal information we maintain, subject to exceptions (for example, where retention is necessary to complete a transaction, detect security incidents, comply with law, or exercise free speech). Deletion does not remove data from systems owned by third parties who already purchased your information.
• Right to correct inaccurate personal information, where supported by our records and verification.
• Right to portability: receive certain personal information in a structured, commonly used, machine-readable format, where applicable law provides this right.
• Right to opt out of sale (and certain "sharing"), as described in Section 5.3.
• Right to non-discrimination for exercising privacy rights. We will not deny goods or services solely because you exercised a right; however, some features require processing personal information, and withholding information may mean we cannot provide matching or partner introductions.

How to submit a request: email [email protected] with the subject line "Privacy Request." We must verify your identity before fulfilling requests and may request additional information. Authorized agents may submit requests on your behalf where state law allows, subject to proof of agency and your identity.

Response timing: where the CCPA applies, we will respond within 45 calendar days (with a possible extension of up to 45 additional days when reasonably necessary, and notice of extension). Other states may impose different timelines (for example, 30 days where applicable). We provide one free disclosure per consumer per 12-month period where required; excessive or manifestly unfounded requests may be charged a reasonable fee as permitted by law.

10. Marketing Opt-Outs

• Email: marketing messages include an unsubscribe link or instructions. We honor commercial opt-out requests within 10 business days where CAN-SPAM applies. Transactional or relationship messages (for example, account security, receipts, or legally required notices) may continue.
• SMS: reply STOP to opt out of promotional texts where supported; reply HELP for assistance. One-time passcodes, fraud alerts, and other transactional texts may continue as permitted by TCPA and carrier rules.
• Push notifications: manage preferences in your device operating system settings.
• Telemarketing / autodialed calls: to opt out of marketing calls where applicable, email [email protected]. Prior express written consent is generally required for autodialed or prerecorded marketing calls to wireless numbers under TCPA; you may revoke consent through the same channels where permitted.

Opting out of marketing does not automatically submit a "Do Not Sell" request. You must submit a separate sale opt-out under Section 5.3 if you wish to limit sales under CCPA/CPRA definitions.

11. California Residents (CCPA / CPRA)

If you are a California resident, the following additional disclosures apply under the CCPA as amended by the CPRA, and regulations adopted thereunder.

Right to know: you may request that we disclose the categories and specific pieces of personal information we collected about you; the categories of sources; our business or commercial purposes for collecting, selling, or sharing personal information; the categories of third parties to whom we disclosed personal information; and the categories of personal information that we sold or shared and the categories of third-party recipients. Because our business model includes lead sales, disclosures may expressly state that certain categories of data are sold to lenders, brokers, and marketing partners.

Right to delete: you may request deletion of personal information we collected from you, subject to statutory exceptions (including completing transactions, security, debugging, legal compliance, and internal uses aligned with your expectations).

Right to correct: you may request correction of inaccurate personal information, taking into account the nature of the information and purposes of processing.

Right to opt out of sale and sharing: California residents may opt out of the sale of personal information and the sharing of personal information for cross-context behavioral advertising, as those terms are defined under CPRA. Submit requests using the email or in-app mechanisms described in Section 5.3. We will confirm and process verified requests within 15 business days where that timeline applies.

Right to limit use of sensitive personal information: certain data elements we collect—such as Social Security number, driver's license number, and financial account numbers—may be treated as sensitive personal information under CPRA. You may have the right to direct us to limit use or disclosure of sensitive information to uses permitted under CPRA (for example, performing services reasonably expected by the consumer). Submit a request through [email protected] with a clear description of the limitation you seek.

Right to non-discrimination: we will not discriminate against you for exercising CPRA rights, including by denying services, charging different prices, or suggesting you will receive a different level of quality—except that incentives permitted by law and differences reasonably related to the value of your data may apply where disclosed.

How to contact us for California requests: email [email protected] with subject "California Privacy Request." We will respond within 45 calendar days unless an extension is lawfully taken. You may be entitled to one free verifiable request to know during any 12-month period.

GLBA / FCRA note: where personal information is governed by GLBA or FCRA, certain CPRA rights may be limited or preempted for those datasets. Nothing in this Section is intended to waive applicable federal defenses or interpretations.

12. Other State Privacy Rights

Residents of Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), Texas (TDPSA), and other states with comprehensive consumer privacy statutes may have rights that overlap with or differ from California's framework (including appeal rights in some jurisdictions). To exercise rights or ask about applicability, email [email protected] with your state of residence and a description of your request.

13. Do Not Track and Global Privacy Control

Industry has not adopted a uniform Do Not Track (DNT) standard. Because DNT signals lack consistent legal meaning, we do not respond to browser DNT flags as an automated opt-out of all processing.

Where required by the CCPA/CPRA and related regulations, we honor Global Privacy Control (GPC) signals from California consumers as a request to opt out of the sharing of personal information for cross-context behavioral advertising, to the extent we engage in activities that constitute "sharing" under applicable law. GPC alone may not satisfy verification for all request types (for example, deletion).

14. GLBA and FCRA Notices

GLBA: information such as SSN, bank account number, routing number, income, and employment details may be nonpublic personal financial information when held by a GLBA-regulated financial institution or its affiliates. We may provide a separate GLBA initial privacy notice (and annual notice where required) that describes how that information is protected and shared. Where GLBA applies, it may provide consumers fewer state-law privacy rights for certain financial datasets than would otherwise exist under general state privacy statutes.

FCRA: if we obtain, furnish, or use information that constitutes a consumer report from a consumer reporting agency, or if we act in a capacity regulated by the FCRA, the FCRA grants you rights to access, dispute, and seek correction of inaccurate information in your file. Hard credit inquiries (those that impact a credit score) are made only with your express prior authorization where required.

GLBA and FCRA may limit or preempt certain state privacy rights—including portions of the CCPA/CPRA—for specific categories of financial or credit-related information. When both frameworks apply, we work to provide disclosures that reflect the controlling legal standard.

15. Cookies and Tracking Technologies

We and our partners use cookies, mobile SDKs, pixels, server-to-server integrations, and similar technologies—which may include probabilistic or device fingerprinting techniques where permitted—to authenticate sessions, prevent fraud, measure advertising performance, attribute installs, conduct analytics, and remember preferences.

Controls: for web properties, you may adjust cookie settings through your browser; for the App, review iOS or Android privacy and tracking permissions. Disabling certain technologies may limit functionality, prevent account recovery, or block access to portions of the service.

16. Children's Privacy

The App is not directed to children under 18, and we do not knowingly collect, sell, or share personal information from anyone under 18 in a manner that violates the Children's Online Privacy Protection Act (COPPA) or analogous state laws.

If you believe a minor has provided information through the App, contact us immediately at [email protected] so we can investigate and delete information that is not legally required to be retained.

17. International Users

FastCash is U.S.-directed. Personal information is processed and stored in the United States or in countries where our subprocessors operate, which may not provide equivalent protections to your home jurisdiction. By using the App from outside the United States, you acknowledge and consent to transfer and processing in the United States as described in this Policy.

18. Policy Updates

We may revise this Policy from time to time. When we make material changes, we will update the Effective date shown in Section 1 of this Policy and may provide additional notice through the App (for example, a banner or required acknowledgment) or, where appropriate, by email to the address associated with your account.

Your continued use of the App after the Effective date of a revision constitutes your acknowledgment of the updated Policy, except where your separate consent is required by law.

19. Contact Us

Fast Cash 4 Junkers LLC
1749 S Kearney St, Denver, CO 80224-2134

Email (support): [email protected]
Email (privacy / legal requests): [email protected]
Phone: request our current business telephone number and hours by emailing [email protected] with the subject "Phone contact request."
Website: fastcash4junkers.com