Privacy Policy

This Privacy Policy (“Policy”) describes how Cash Loans Bear (the “Company,” “Cash Loans Bear,” “we,” “us,” or “our”) collects, uses, maintains, discloses, and safeguards personal information. This Policy outlines the categories of information we collect, the purposes for which such information is used, and the circumstances under which it may be shared with third parties. It also explains the measures we implement to protect and store such information.

By accessing or using loansbear.com or any other website owned or operated by the Company where this Policy is posted (collectively, the “Website”), you acknowledge that you have read, understood, and agree to be bound by the terms of this Policy. If you do not agree to the terms set forth herein, you must discontinue use of the Website immediately.

This Policy applies to the Website, as well as to the services, marketing activities, and communications conducted by or on behalf of the Company in connection with the Website and related offerings.

Who We Are

Cash Loans Bear is not a lender, broker, agent, or representative of any lender. The Company acts solely as a service provider and does not originate loans or make credit decisions. Cash Loans Bear connects customers with prospective lenders and transmits information submitted through customer applications.

Submission of an application does not guarantee loan approval or a credit offer. Lenders evaluate applications according to their own underwriting and eligibility criteria and are under no obligation to extend an offer.

This Policy also applies to personal information collected in connection with the loan application process.

Information We Collect

The Company may collect the following information in accordance with applicable laws and regulations:

Category	Examples and Description
Identifiers	Name, email address, phone number, postal address, IP address, and other similar identifiers. We collect this information from you when you complete forms or contact us, and we also collect it automatically through website technologies.
Financial Information	Income details, bank account information, transaction history, assets, and related financial data. We collect this information during the application process and, where applicable, from lending partners or service providers.
Identity Verification Information	Your Social Security number, driver’s license number, or other government-issued identification details. This information may be collected directly from customers and verified through identity verification or credit reporting services, where applicable.
Employment Information	Your employer name, job title, salary, employment status, and source of income. We collect this information during application submission and, in some cases, from partners assisting in eligibility verification.
Web Activity	Browsing history, pages viewed, links clicked, time spent on pages, and interaction with our website or advertisements. This information is collected automatically via cookies, pixels, and similar technologies.
Device Information	Device type, operating system, browser type, device identifiers, IP address, and other technical information about how clients access our services. This data is collected automatically through website technologies.
Commercial Information	Loan preferences, requested amounts, application history, product interests, transaction history, and lender interactions. This information is collected from customers, from lending partners, and from service providers involved in processing or servicing financial products.

How We Use the Information

In our capacity as a service provider, Cash Loans Bear uses personal information for legitimate business and operational purposes, including:

We may also use personal information for internal administrative purposes, quality assurance, auditing, and business planning.

Cash Loans Bear may disclose aggregated or de-identified information that does not reasonably identify any individual for any lawful purpose.

How We Share Information

Cash Loans Bear may disclose personal information to the categories of third parties described below.

A. Lenders and Financial Partners

We may disclose personal information to prospective lenders, including banks and other financial institutions, to facilitate potential loan offers or related financial services. We may receive compensation from lenders or financial partners in connection with these referral services.

B. Service Providers

We may disclose personal information to third-party service providers that perform services on our behalf. These services may include website hosting, data storage, fraud detection and prevention, payment processing, customer support, communications delivery, and analytics. Such service providers are contractually required to process personal information solely as necessary to perform services for us and in compliance with applicable law.

C. Advertising and Analytics Partners

We may share certain personal information with advertising networks, marketing partners, and analytics providers to measure website performance, improve user experience, and deliver relevant advertisements. These third parties may use cookies, pixels, and similar tracking technologies to collect information regarding interactions with our Website and other online services.

D. Legal and Compliance

We may disclose personal information when required by law or in response to valid legal process, including subpoenas, court orders, or regulatory requests. We may also disclose information when we believe such disclosure is necessary to investigate fraud, enforce our Terms and policies, protect our rights or property, or safeguard the rights, property, or safety of others.

Sale or Sharing of Personal Information

Certain U.S. state privacy laws, including the California Consumer Privacy Act, as amended by the California Privacy Rights Act (“CCPA/CPRA”), require businesses to disclose whether they “sell” or “share” personal information as those terms are defined under applicable law.

Statement Regarding Sale or Sharing

Cash Loans Bear does not sell personal information in exchange for monetary compensation.

However, certain disclosures of personal information to advertising, analytics, or marketing partners may be considered a “sale” or “sharing” under applicable state privacy laws, which broadly define these terms.

Where such disclosures qualify as a “sale” or “sharing,” residents of applicable states have the right to opt out of such processing.

Right to Opt Out

If you are a resident of a state that provides the right to opt out of the sale or sharing of personal information, you may exercise this right by:

Upon receipt of a valid and verifiable opt-out request, Cash Loans Bear will process and honor the request in accordance with applicable law.

Your Privacy Rights

In addition to the right to opt out of the sale or sharing of personal information, individuals may have certain rights under applicable state privacy laws. These rights may include the following:

Right to Know and Access

You have the right to request information regarding the categories of personal information we collect, the sources from which it is collected, the categories of third parties with whom it is shared, the business or commercial purposes for collecting, selling, or sharing such information, and the specific pieces of personal information we maintain about you.

Right to Correct

You have the right to request correction of inaccurate personal information that we maintain about you. Upon verifying your identity, we will use commercially reasonable efforts to correct such information in accordance with applicable law.

Right to Delete

You have the right to request deletion of personal information we have collected about you. We may deny deletion requests where retention of the information is necessary to provide services, comply with legal obligations, prevent fraud, exercise or defend legal claims, or fulfill recordkeeping requirements. Where permitted by law, we will inform you if an exception applies.

Right to Data Portability

You have the right to request a copy of your personal information in a portable and readily usable format, to the extent required by applicable law and where the information is processed by automated means.

Right to Limit Use

California residents have the right to request that we limit the use and disclosure of Sensitive Personal Information to purposes permitted under the CPRA, such as performing services, detecting security incidents, preventing fraud, and complying with legal obligations.

Sensitive personal information may include: 

Right to Non-Discrimination

Cash Loans Bear will not discriminate against you for exercising any of your privacy rights. However, we may charge a reasonable fee or decline to act on a request if it is excessive, repetitive, or manifestly unfounded, as permitted by applicable law.

Submitting the Request

You can exercise any of these rights by submitting a request. You can do it as follows:

After verifying your identity, we will respond to your request within the timeframes required by applicable law.

Cookies and Tracking Technologies

A cookie is a small text file placed on your device by your web browser. Cookies are used to remember preferences, enable website functionality, and improve user experience. Cash Loans Bear uses cookies and similar tracking technologies to monitor website performance, enhance functionality, and personalize content.

Information collected through these technologies may include browser type, device information, time spent on the Website, language preferences, pages visited, and other usage data.

We use the following categories of cookies:

Users may manage cookie preferences through their browser settings, including receiving notifications when cookies are placed or disabling cookies altogether. Please note that disabling certain cookies may affect the functionality and availability of some Website features.

Data Retention

Cash Loans Bear retains personal information for business purposes consistent with this Privacy Policy, including facilitating connections with lenders, operating and improving the Website and related services, complying with legal obligations, and supporting legitimate business operations.

We retain personal information only for as long as reasonably necessary to fulfill the purposes for which it was collected, as described in this Policy, or as otherwise required or permitted by applicable law. The criteria used to determine retention periods may include the nature of the information, the purposes for which it was collected, legal and regulatory requirements, and our legitimate business needs.

When personal information is no longer required for these purposes, we will securely delete, destroy, or de-identify it in accordance with applicable law. However, certain legal or regulatory obligations may require us to retain specific information for longer periods.

Data Security

Cash Loans Bear implements and maintains reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, use, disclosure, alteration, or destruction. These safeguards are appropriate to the nature and sensitivity of the information collected and are reviewed and updated periodically to address evolving legal, regulatory, and industry standards.

Despite our efforts, no method of transmission over the Internet or method of electronic storage is completely secure. Accordingly, we cannot guarantee the absolute security of personal information.

If you believe that your personal information has been compromised or that you may be the victim of identity theft, we recommend contacting the appropriate authorities and visiting the Federal Trade Commission’s Identity Theft website for guidance on protective and recovery steps.

Children’s Privacy

Cash Loans Bear does not knowingly collect information from children under the age of 13, in accordance with the Children’s Online Privacy Protection Act (COPPA). Our Website and services are not directed to children under 13.

If we become aware that personal information has been collected from a child under 13 without verified parental consent, we will take reasonable steps to delete such information promptly.

Third-Party Links

The Website may contain links to third-party websites that are provided for convenience or informational purposes. The inclusion of any such link does not constitute an endorsement, sponsorship, or recommendation of the third party or its products or services.

Cash Loans Bear does not control and is not responsible for the content, accuracy, products, services, or privacy practices of any third-party websites. This Privacy Policy applies solely to information collected through our Website and services and does not apply to third-party websites or services.

We encourage users to review the privacy policies and terms of use of any third-party sites they visit.

Financial Privacy Notice

Cash Loans Bear is subject to the federal Gramm-Leach-Bliley Act (“GLBA”) and its implementing regulations, which govern the collection, use, safeguarding, and disclosure of nonpublic personal information by financial institutions.

In accordance with GLBA requirements, we maintain appropriate administrative, technical, and physical safeguards to protect the confidentiality and security of nonpublic personal information, as further described in the “Data Security” section of this Policy. Access to such information is limited to employees, service providers, and authorized partners who require it to perform services on our behalf or for legitimate business purposes.

GLBA permits financial institutions to share nonpublic personal information for certain everyday business purposes, such as processing transactions, maintaining accounts, responding to court orders, or complying with legal and regulatory obligations, subject to applicable limitations.

If you apply for financial products, please review our separate Financial Privacy Notice, which explains how we share financial information under federal law.

Changes to This Policy

Cash Loans Bear reserves the right to modify or update this Privacy Policy at its discretion and at any time. Any changes to this Policy will be posted on the Website and will become effective upon posting, unless otherwise required by applicable law.

The “Last Updated” date displayed at the top of this page reflects the date of the most recent revision.

Where required by applicable law, we will provide notice of material changes, including by email or other appropriate means of communication.