Privacy Policy

1. Information We Collect

We collect only the information necessary to provide and improve your experience with Our App.

Information You Provide

When you use the App, you may share information such as:

• Debt and Loan Data — details you enter into tools like Loan Calculator or Debt Tracker (loan amounts, repayment terms, interest rates, payment history, etc.);
• Account Information — your name and email address (if you choose to create an account or contact support);
• AI Chat Input — questions or messages you send through the financial assistant or DebtPayoff consultant tools.

Information Collected Automatically

To help us improve the App's performance, we may collect:

• Device Information: type of device, operating system, browser, and IP address;
• Usage Data: pages or screens you visit, features you use, time spent in the App, and error reports;
• Location Data: approximate location, only if you choose to share it.

2. How We Use Your Information

We use your information to:

• Provide core functionality of the App (Loan Calculator, Debt Tracker, AI Chat, etc.);
• Generate accurate financial summaries, projections, and recommendations;
• Improve the App's usability and performance;
• Communicate with you about updates, technical issues, or support inquiries;
• Comply with legal obligations and prevent misuse or fraud.

Your data is used strictly for providing and enhancing our services — never for selling or sharing with unrelated third parties.

3. Sharing of Information

We do not sell, rent, or trade your personal information.

We may share limited data in the following cases:

• With Service Providers: trusted partners that help us operate the App, host servers, or provide analytics and support;
• For Legal Reasons: if required by law, regulation, or valid legal process;
• To Protect Our Rights: in cases of fraud prevention, security enforcement, or protection of users and the Company.

All third-party partners are contractually required to handle data securely and in accordance with this Policy.

4. Data Storage and Security

We use administrative, technical, and physical safeguards to protect your data, including:

• Encrypted data transfer and storage;
• Restricted access to personal information;
• Real-time monitoring to prevent unauthorized activity.

While we take every precaution to secure your data, no system can guarantee 100% protection. Please use the App responsibly and avoid sharing sensitive details in open fields or messages.

5. Your Choices and Rights

You have control over your information. You can:

• Access or Update: request a copy or correction of your stored data;
• Delete: ask us to remove your account or stored entries from the App;
• Communication Preferences: opt out of receiving promotional messages at any time.

To exercise these rights, contact us at support@1fcashadvanceapp.org

6. Data Retention

We keep your information only as long as necessary to:

• Provide App functionality;
• Resolve support issues;
• Meet legal and compliance requirements.

When data is no longer needed, it is securely deleted or anonymized.

7. Children's Privacy

Our App is designed for users 18 years and older. We do not knowingly collect data from minors. If we learn that information from a person under 18 has been submitted, we will delete it promptly.

8. Third-Party Content and Links

Our App may include articles, tools, or resources linking to external websites. We are not responsible for the content or privacy practices of those third parties. Please review their privacy policies separately.

9. Policy Updates

We may update this Privacy Policy from time to time. If significant changes occur, we'll notify users via an in-app message or email. The "Effective Date" at the top of this page shows when the latest version took effect.

10. Contact Us

If you have questions, feedback, or requests related to this Privacy Policy, please contact us at: