1) Overview
This Privacy Policy ("Policy") describes how DISF Credit LLC ("we," "us," or "our") collects, uses, discloses, and safeguards personal information when you access or use the DCredit – Cash Advance & Loans mobile application, website, and any related features or services (collectively, the "App"). By accessing or using the App, you acknowledge that you have read, understood, and agree to the terms of this Policy. If you do not agree with this Policy, you must discontinue use of the App.
We comply with applicable United States privacy, data protection, and consumer protection laws and regulations, including but not limited to:
- Gramm-Leach-Bliley Act (GLBA)
- California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA)
- Fair Credit Reporting Act (FCRA)
- Federal Trade Commission (FTC) rules, guidance, and enforcement standards
- Other applicable federal and state privacy and consumer protection laws
Certain rights described in this Policy may not apply to information regulated by the GLBA or to individuals residing outside applicable jurisdictions. This Policy applies solely to users located within the United States and does not apply to employees, contractors, job applicants, or third-party services not controlled by us.
2) Information We Collect
We collect personal information through three primary sources: information you provide directly, information collected automatically through your use of the App, and information obtained from third-party sources.
2.1 Information You Provide
When you access or use the App, you may voluntarily provide personal information, including but not limited to:
- Identifiers – such as full legal name, date of birth, email address, telephone number, and residential or mailing address
- Government Identification – including Social Security number, driver's license, or other state-issued identification used for identity verification and compliance purposes
- Financial Information – employment details, income information, bank account details, transaction history, repayment information, and requested loan or cash-advance parameters
- Login and Security Information – usernames, passwords, PINs, authentication credentials, and security verification responses, which are stored using secure encryption methods
- Communications – messages, correspondence, documents, files, uploads, or other content submitted through the App, including identity or financial documentation
- Consents and Acknowledgments – electronic signatures, acceptance checkboxes, and confirmations related to disclosures, authorizations, or agreements
You are responsible for ensuring that the information you provide is accurate, complete, and current.
2.2 Information Collected Automatically
When you access or use the App, certain information may be collected automatically, including:
- Device and Technical Information – IP address, device identifiers, device type, operating system, browser type, app version, language settings, and diagnostic or crash data
- Usage Data – pages viewed, features accessed, session duration, timestamps, clickstream data, and referring or exit pages
- Approximate Location Data – derived from IP address or device signals for purposes such as fraud prevention, compliance, and service optimization
- Cookies, SDKs, and Similar Technologies – used to enable authentication, security controls, preferences, analytics, and performance measurement; disabling these technologies may limit App functionality
2.3 Information from Third-Party Sources
We may receive personal information about you from third parties, including:
- Identity verification, fraud detection, and compliance service providers
- Financial partners such as lenders, banks, loan platforms, and payment processors
- Credit bureaus, consumer reporting agencies, or alternative data providers, where permitted by law and with appropriate authorization
- Referral, marketing, or advertising partners that introduce users to the App or receive referrals from us
- Public databases or government sources, when necessary for verification or legal compliance
3) Use of Information
We use personal information collected through the App for purposes including, but not limited to:
- Providing, operating, maintaining, and improving the App and related services
- Creating, authenticating, and managing user accounts
- Verifying identity and detecting, preventing, or investigating fraud, misuse, or security incidents, including compliance with KYC and AML obligations
- Facilitating loan or cash-advance requests by sharing relevant information with participating financial partners for evaluation and decisioning
- Supporting transactions, including payment processing, fund disbursement, and repayment administration
- Responding to inquiries, customer support requests, confirmations, notifications, and legal or service-related communications
- Analyzing usage trends, monitoring performance, and resolving technical issues
- Complying with legal obligations, regulatory requirements, audits, and enforcement of our Terms of Use
- Delivering optional marketing, informational, or educational communications, subject to applicable law and user preferences
4) Legal Basis for Processing
Depending on the circumstances and applicable law, we process personal information based on one or more of the following legal grounds:
- User consent, where required, including for marketing communications
- Contractual necessity, to provide services requested by the user
- Compliance with legal and regulatory obligations
- Legitimate business interests, including fraud prevention, security, risk management, and service improvement
5) Sharing of Information
We share personal information only as necessary to operate the App, fulfill the purposes described in this Policy, and comply with legal requirements.
5.1 Service Providers
We may share personal information with trusted third-party service providers that perform services on our behalf, including:
- Hosting and cloud infrastructure services
- Identity verification and compliance providers
- Customer support platforms
- Analytics and performance monitoring services
- Payment processing and transaction support
- Security, fraud prevention, and incident response providers
Service providers are authorized to use personal information solely to perform services for us and are subject to contractual confidentiality and data security obligations.
5.2 Financial Partners
When you submit a loan or cash-advance request, relevant personal information may be shared with participating lenders or financial partners to evaluate eligibility and provide potential offers. Once information is shared, the privacy policies and practices of those partners govern their use of the information. Users are encouraged to review partner disclosures carefully.
5.3 Legal and Safety Disclosures
We may disclose personal information when necessary to:
- Comply with applicable laws, regulations, subpoenas, or legal processes
- Protect the rights, property, or safety of DISF Credit LLC, our users, or others
- Investigate, prevent, or respond to fraud, abuse, security incidents, or technical issues
5.4 Business Transfers
If DISF Credit LLC is involved in a merger, acquisition, reorganization, financing, or sale of assets, personal information may be transferred as part of that transaction, subject to safeguards consistent with this Policy and applicable law.
5.5 With User Authorization
We may share personal information when you explicitly authorize or direct us to do so.
5.6 No Sale of Personal Information
We do not sell personal information and do not engage in cross-context behavioral advertising. Any material change to this practice will be disclosed in accordance with applicable law.
6) Data Retention
We retain personal information only for as long as reasonably necessary to fulfill legitimate business purposes and comply with legal obligations, including:
- Account and service records – retained during the active user relationship and generally up to seven (7) years thereafter
- Compliance, fraud, and risk management records – typically retained for five (5) to seven (7) years
- Marketing communications – retained for up to three (3) years or until a user opts out
- Log files and analytics data – generally retained for twelve (12) to twenty-four (24) months
After applicable retention periods expire, information is securely deleted, anonymized, or de-identified.
7) Data Security
We implement reasonable administrative, technical, and physical safeguards designed to protect personal information, including:
- Encryption of data in transit and at rest
- Role-based access controls and authentication measures
- Continuous system monitoring and periodic security assessments
- Vendor due diligence and security reviews
- Employee training and internal data protection policies
Despite these safeguards, no system can be guaranteed to be completely secure. Users are responsible for maintaining the confidentiality of account credentials and promptly notifying us of any unauthorized access or suspected security incidents.
8) Your Privacy Rights
Depending on your state of residence, you may have rights to:
- Access and obtain a copy of your personal information
- Request correction of inaccurate or incomplete information
- Request deletion of personal information, subject to legal and regulatory exceptions
- Receive personal information in a portable and structured format
- Opt out of certain data uses, sharing, or marketing communications
Requests may require identity verification, and certain rights may be limited or denied as permitted by law.
Submitting Requests: Requests may be submitted by emailing support@disfcredit.com with your full name, state of residence, and a description of your request. Where permitted by law, you may authorize an agent to submit requests on your behalf.
9) Children's Privacy
The App is intended solely for individuals eighteen (18) years of age or older. We do not knowingly collect personal information from children under the age of thirteen (13). If such information is identified, it will be promptly deleted in accordance with applicable law.
10) Cookies and Tracking Technologies
We use cookies, SDKs, and similar technologies to support authentication, security, preferences, analytics, and performance measurement. Adjusting browser or device settings to disable these technologies may affect App functionality.
11) Third-Party Services
The App may contain links to or integrations with third-party websites or services. We are not responsible for the privacy practices or content of third parties, which are governed by their own privacy policies.
12) GLBA and FCRA
Certain nonpublic personal financial information is regulated under the Gramm-Leach-Bliley Act (GLBA). Use of consumer reports is governed by the Fair Credit Reporting Act (FCRA). Any hard credit inquiry requires your express authorization.
13) International Users
The App is intended for use by residents of the United States only. Personal information may be processed and stored within the United States. By using the App, you consent to such processing.
14) Policy Updates
We may update this Policy from time to time. Revisions will be reflected by an updated effective date and may be communicated through the App or via email. Continued use of the App after updates constitutes acceptance of the revised Policy.
15) Contact Information
For questions, concerns, or privacy-related requests, please contact:
DISF Credit LLC
411 Union St
Marshalltown, IA 50158
Email: support@disfcredit.com
Phone: (970) 423-9218