How Cash Advance - Biso Money Handles Your Information
This Privacy Policy explains how NOVATEK FINANCE DESIGNATED ACTIVITY COMPANY (“we,” “us,” “our”), the operator of the Cash Advance - Biso Money mobile application (the “App”), collects, uses, shares, stores, and protects information. By using the App you confirm that you have read this Policy, subject to applicable law.
Quick summary
- We are a technology platform, not a lender. We do not make credit decisions.
- We collect what you enter, plus technical data from your device.
- We send your request to independent lenders or providers so they can consider it.
- We do not sell personal information in exchange for money.
- You can ask us to access, correct, or delete your information, subject to the law.
What is the App’s role?
The App is a digital submission platform. We do not issue loans, evaluate creditworthiness, set APRs, or decide approvals. We collect your request and securely forward it to one or more independent third-party lenders or financial service providers. This Policy covers information collected through the App and related support and operational communications; it does not cover third parties, including lenders, which have their own privacy notices.
What information do we collect?
| Type | Examples | Where it comes from |
|---|---|---|
| Identity and contact | Legal name, date of birth, email, phone number, home or mailing address | You |
| Financial and employment | Income, paycheck amount and frequency, employment details, homeownership status, bank account details, other financial information you submit | You |
| Identifiers for verification | Social Security number or similar data where needed to process your request; driver’s license or government ID details if you provide them; residency status | You |
| Messages | Anything you write in a form or a support message | You |
| Device and technical | IP address, device type and model, operating system and version, app version, device or advertising identifiers, language settings, crash and error logs | Your device, automatically |
| Usage | Screens viewed, taps and interactions, session times, feature use, clickstream | Your device, automatically |
| Security signals | Data used to validate identity, detect fraud or abuse, and protect accounts | You, your device, and our service providers |
We aim to collect only what is reasonably needed to run the App, process your request, keep the App safe, answer your questions, and meet legal duties.
What do we do with it?
| Purpose | Details |
|---|---|
| Deliver the service | Receive your request and securely transmit it to lenders or providers; operate, maintain, and troubleshoot the App |
| Communicate | Reply to you, send service notices, and send marketing only where you have allowed it |
| Protect | Verify identity, prevent fraud and abuse, and keep systems secure |
| Improve | Measure performance, diagnose bugs, and understand how features are used |
| Comply | Follow laws, court orders, and regulator requests; enforce our Terms of Use; defend legal claims |
We do not use your information to decide whether you get credit. Only the independent lender or provider makes that decision.
Who receives it?
| Recipient | What they may receive | Why |
|---|---|---|
| Participating lenders and providers | The information in your request | To review your request and respond. They are independent and follow their own privacy notices. |
| Our service providers | Only what they need to do the job | Hosting, analytics, support, security, messaging, and software maintenance, under contractual obligations |
| Authorities and advisers | Information required or reasonably needed | To comply with law, investigate fraud or security incidents, or establish or defend legal claims |
| Future owners | Information held by the App | If we are involved in a merger, sale, financing, or restructuring |
| Anyone you name | What you direct or approve | When you ask us or consent |
Do you sell my information? We do not sell personal information in exchange for money. Sending your request to a lender is done at your direction. Some state laws define “sale” or “sharing” broadly; if any of our disclosures falls within such a definition, we will honor your opt-out request as the law requires, and we respect opt-out preference signals where the law obliges us to.
What about cookies and SDKs?
The App may use SDKs, device identifiers, local storage, log files, pixels, and similar tools to make features work, remember settings, measure performance and attribution, prevent fraud, and keep things stable. Some third-party tools that support these functions may collect technical information as well. We use permission and consent flows where the law or platform rules require them, and you can manage many permissions and tracking settings in your device’s settings. Some features may not work if you turn certain permissions off.
How long do we keep information?
Only as long as reasonably necessary for the purposes above—operating the App, processing your request, security, legal and regulatory compliance, resolving disputes, and enforcing agreements. Periods differ by data type, purpose, and legal requirement. When data is no longer needed, we delete, de-identify, or anonymize it under our internal practices and applicable law.
How do we protect it?
We use administrative, technical, and organizational safeguards, which may include encryption in transit, access limits, system monitoring, and vendor oversight suited to the sensitivity of the data. No transmission or storage method is perfectly secure, so we cannot guarantee absolute security.
What are my choices and rights?
Depending on where you live, you may be able to request access to, correction of, or deletion of your personal information; ask how it is used and disclosed; withdraw consent where processing relies on it; request limits on certain processing; opt out of sale or sharing; and appeal a decision on your request. You will not be treated unlawfully differently for using these rights. To make a request, contact us using the details below or any request tool in the App. We may need to verify your identity first, and we may deny or limit a request where the law allows. If you use an authorized agent, we may ask for proof of authority.
California residents: depending on whether and how California law applies to us, you may have the right to know, correct, and delete personal information, to opt out of sale or sharing, and to limit certain uses of sensitive personal information. Sensitive data we may handle includes Social Security numbers, government ID numbers, and financial account details; we use them only as needed to provide the service you request and as the law permits.
Marketing. If you agreed to promotional messages, you can opt out through the unsubscribe method in the message or by contacting us. Lenders that contact you after receiving your request are governed by their own communication practices.
Deleting an account. Where the App has accounts, you can request closure and deletion through the App or by contacting us. Deletion may not be immediate, and some records may have to be kept for legal, tax, accounting, audit, fraud-prevention, security, or dispute purposes.
Other important points
| Children | The App is for people aged 18 and older. We do not knowingly collect information from anyone under 18 and will delete it if we learn we have. |
|---|---|
| Where data is handled | The App is intended for users in the United States, and data is primarily stored and processed here. Service providers may process data elsewhere under contractual and other safeguards. |
| Third-party links | Sites, tools, and lenders reached through the App run their own practices. Read their notices before sharing more. |
| App stores | Your app marketplace or device may add its own privacy rules. We may update in-app notices, permissions, retention, and deletion flows to meet platform, consumer-protection, and security requirements. |
| Updates | We may revise this Policy. We will update the effective date above; new versions apply once published in the App unless a later date is stated. |
How to reach us
NOVATEK FINANCE DESIGNATED ACTIVITY COMPANY
Email: mail@novatekfindesign.com