1 Introduction
This California Privacy Policy ("Policy") describes how Loan Advance ("we," "us," or "our") collects, uses, and shares personal information of California residents in accordance with the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA).
Scope of This Policy
This policy applies to California residents who visit our website, use our loan connection service, or interact with us in any way. If you are not a California resident, please refer to our general Privacy Policy.
2 Information We Collect
Personal Information
- • Full name and contact information
- • Date of birth and Social Security Number
- • Driver's license and state identification
- • Employment and income information
- • Bank account and financial details
- • Credit score and credit history
Sensitive Personal Information
- • Social Security Number
- • Driver's license number
- • Financial account information
- • Precise geolocation data
- • Biometric information (if collected)
Internet Activity
- • Website browsing history
- • Search history on our site
- • Interaction with our website
- • Cookies and tracking technologies
- • Device and browser information
Commercial Information
- • Loan application history
- • Financial products considered
- • Purchase and transaction history
- • Marketing preferences
- • Communication preferences
3 How We Use Your Information
Loan Matching Services
To connect you with potential lenders in our network
Identity Verification
To verify your identity and prevent fraud
Communication
To communicate with you about your loan application
Legal Compliance
To comply with applicable laws and regulations
Service Improvement
To improve our services and user experience
Marketing
To send you relevant offers and information (with consent)
4 Information Sharing and Disclosure
We May Share Information With:
- • Lenders and Financial Partners: To facilitate loan matching and processing
- • Service Providers: Third-party companies that help us operate our business
- • Legal Requirements: When required by law or to protect our rights
- • Business Transfers: In connection with mergers, acquisitions, or asset sales
- • Consent: When you have given us explicit consent to share
We Do NOT Sell Personal Information
We do not sell, rent, or trade your personal information to third parties for monetary consideration. However, we may share information with our lending partners as part of our loan matching service.
5 Your California Privacy Rights
Right to Know
Request information about what personal information we collect, use, and share
Right to Delete
Request deletion of your personal information
Right to Correct
Request correction of inaccurate personal information
Right to Opt-Out
Opt-out of the sale or sharing of personal information
Right to Limit
Limit the use of sensitive personal information
Right to Non-Discrimination
We will not discriminate against you for exercising your rights
6 How to Exercise Your Rights
Contact Information
Compliance Officer
Email: compliance@zynx.co.uk
Phone: Available through our contact page
Business Address
Zynx LTD
11 Brendon Close
Grantham, NG31 8FU, UK
Step 1: Submit Your Request
Contact us using the information above or use our online forms
Step 2: Verification
We may need to verify your identity before processing your request
Step 3: Response
We will respond within 45 days (or 90 days for complex requests)
7 Data Retention
Retention Periods
- • Active Applications: Retained for the duration of the loan application process
- • Completed Applications: Retained for 7 years for legal and regulatory compliance
- • Marketing Data: Retained until you opt-out or request deletion
- • Website Analytics: Retained for 2 years
Automatic Deletion
We automatically delete personal information after the retention period expires, unless we have a legal obligation to retain it longer.
8 Children's Privacy
Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly.
9 Updates to This Policy
Policy Changes
We may update this California Privacy Policy from time to time. When we make material changes, we will notify you by email or through a notice on our website. The "Last updated" date at the top of this policy indicates when it was last revised.
Your Continued Use
Your continued use of our services after any changes to this policy constitutes acceptance of the updated policy.
Questions About This Policy?
If you have questions about this California Privacy Policy or your privacy rights, please contact us:
Contact Information
Email: compliance@zynx.co.uk
Phone: Available through our contact page
Address: Zynx LTD, 11 Brendon Close, Grantham, NG31 8FU, UK
Response Time
• Privacy requests: 45 days
• General inquiries: 2-3 business days
• Identity verification: May require additional time