We value your privacy

This Privacy Policy explains how CashHelm (“CashHelm,” “we”, “us”, or “our”) collects, processes, shares, discloses, sells, and protects personal information obtained through the CashHelm website and related online services (the “Website”).

By accessing the Website and submitting information through our forms, you acknowledge that you have read and agree to this Privacy Policy. If you do not agree with the practices outlined herein, please do not use our services.

1. Our Role as a Lead Generation Platform

We provide a lead generation service that facilitates connections between consumers and third-party financial service providers.

We are not a lender, creditor, or financial institution, do not issue loans, and do not make credit decisions. We collect user-submitted information, including sensitive personal information, perform preliminary qualification and verification, and sell or transfer qualified leads to participating partners. Those partners independently evaluate applications and communicate directly with users. Once information is transferred to a partner, that partner’s privacy policy governs its use.

2. Principles of Data Collection & Processing

We collect and process personal information in accordance with the following principles:

• Transparency — We explain why and how personal information is collected and used.
• Purpose limitation — Information is used to facilitate lead processing and related business operations.
• Proportionality — We collect information relevant to financial lead qualification.
• Security — We apply safeguards designed to protect personal information.
• Accountability — We maintain internal processes to review privacy practices and compliance.

3. Categories of Personal Information We Collect

We collect and process the following categories of personal information:

• A. Identifiers and Government-Issued Information
  Name, date of birth, home address, email address, telephone numbers, Social Security number, driver’s license information, IP address, approximate geolocation, and persistent device identifiers (such as cookie or advertising identifier).
• B. Financial and Banking Information
  Income information, requested loan amount, bank account and routing details, account characteristics (such as account type and tenure), and related financial information relevant to evaluating financial applications.
• C. Employment and Housing Information
  Employment status and history, employer information, pay schedule details, housing status, and residence history.
• D. Eligibility and Demographic Information
  Information relevant to eligibility for financial products, including military status and similar disclosures.
• E. Internet and Usage Information
  Website interaction data, cookies, device information (such as browser and operating system information), and analytics data.
• F. Inferences
  Preliminary qualification assessments and risk indicators generated through our lead evaluation processes.

Certain information we collect - such as government identification numbers, financial account information, and similar data - is considered ‘Sensitive Personal Information’ under applicable privacy laws.

We collect the information that users voluntarily provide through forms on the Website, as well as certain information collected automatically through Website technologies such as cookies and analytics tools. Some user-provided information may be verified or supplemented through third-party verification and data enrichment providers. Depending on the stage of the lead qualification process, limited or full information may be transmitted to participating financial service partners.

4. How We Use, Sell, Share, and Disclose Personal Information

We use, sell, share, and disclose the collected personal information for the business and commercial purposes described below.

4.1 How We Use Personal Information

We use personal information to:

• Process and route leads. We review the information submitted by you, conduct preliminary qualification, and route leads to participating partners, such as lenders, lender aggregators (marketplaces), service providers that offer finance-related products and services, including debt relief, banking, credit monitoring, and others.
• Communicate with you. We respond to your inquiries, provide support, and - where permitted by law - send marketing or promotional communications.
• Operate and improve the platform. We analyze usage trends, measure performance, conduct research, and improve platform functionality and user experience.
• Support advertising and marketing. We measure advertising effectiveness and optimize marketing activities, including through cookies and similar technologies.
• Legal compliance and security. We use personal information to comply with applicable laws and legal obligations, respond to lawful requests from authorities, enforce our agreements, protect our rights, and maintain the security and integrity of our systems and services.
• Corporate Transactions. If we are involved in a merger, acquisition, financing, restructuring, or sale of assets, personal information may be disclosed or transferred as part of that transaction.
• Aggregated or De-Identified Information. We may use or disclose aggregated or de-identified information that cannot reasonably identify an individual for analytics, research, or business purposes.

4.2 Sale of Personal Information, including Sensitive Personal Information

We sell all categories of personal information that we collect - including ‘Sensitive Personal Information’ such as Social Security numbers, driver's license numbers, and bank account information - to lenders, lead aggregators, other partners offering financial services (such as credit repair services, debt consolidation companies), and marketing companies. This is how we generate revenue. Under certain state laws (for example, California), these transfers constitute "sale of personal information."

YOUR EXPRESS CONSENT: By clicking "Get Started", “Continue”, or similar button, you expressly consent to the sale of all your information, including Sensitive Personal Information, and agree that: (a) this consent is voluntary; you are not required to use our service, (b) we cannot provide your information to a participating partner, including lenders or lead aggregators, if you opt out of sales, and (c) participating partners are independent third parties and use the information they receive under their own privacy policies.

You may opt out of future sales per Section 7, but we cannot recall information already sold.

YOUR EXPRESS CONSENT FOR TELEMARKETING: By providing your telephone number and clicking "Get Started", “Continue”, or similar button, you provide your express written consent under the Telephone Consumer Protection Act (TCPA) for us and participating partners who receive your information from us to contact you by telephone or text message, including for marketing purposes. This consent includes:

• calls and text messages using automated telephone dialing systems or artificial or prerecorded voices; and
• contact even if your telephone number is listed on a federal or state Do Not Call registry.

This consent authorizes us and participating partners who purchase or receive your information from us to contact you directly regarding their products or services. Your consent is voluntary and is not required to purchase any goods or services. You may revoke your consent at any time by contacting the company that is contacting you or by using the opt-out methods described in 7. Standard message and data rates may apply.

4.3 Sharing and Disclosure of Personal Information

In addition to the described sales practices, we share personal information with the following categories of recipients:

• Service Providers: We disclose personal information to service providers who perform specific functions on our behalf under written contracts, including identity verification, fraud prevention, cloud hosting, data storage, analytics, email and SMS communications, and customer support systems. These providers are contractually restricted from re-selling your information.
• Advertising Networks: We share online identifiers, device information, and browsing behavior with advertising platforms to deliver targeted ads. Under California law, this constitutes "sharing" for cross-context behavioral advertising, and you can opt out as outlined in Section 7.
• Affiliates: We share information with our affiliated websites under common ownership to streamline your experience and pre-populate forms if you've previously used our services.
• Legal Disclosures: We disclose information when required by law, to comply with legal process, or to protect our legal rights and security.

5. Your Privacy Rights

Depending on your state of residence and applicable law, you have certain rights regarding your personal information. These rights usually include the ability to:

• Access and Know
• access and know what personal information we collect, process, use, sell, share, or disclose about you
• obtain the categories of sources, business purposes, and categories of third parties involved in processing your personal information
• receive a portable copy of your personal information in a readily usable format
• Correct: request correction of inaccurate personal information that we maintain about you
• Delete: request deletion of personal information we have collected from you and maintained, subject to certain legal exceptions
• Opt-Out Rights: you have the right to opt out of:
• The sale of your personal information to third parties
• The sharing of your personal information for cross-context behavioral advertising or targeted advertising
• Profiling in furtherance of decisions that produce legal or similarly significant effects concerning you
• Processing of your personal information for purposes of making decisions using automated decision-making technology
• Universal Opt-Out: we recognize and honor universal opt-out preference signals transmitted by your browser or device where required by applicable law
• Limit Use of Sensitive Personal Information: limit our use and disclosure of your Sensitive Personal Information to only what is necessary to perform services reasonably expected or for specified permissible business purposes. We will only process your Sensitive Personal Information with your prior express consent where required by applicable law
• Appeal Decisions: appeal any decision we make regarding your privacy rights request; if we deny your appeal, you have the right to contact your state attorney general to submit a complaint
• Non-Discrimination: exercise any of your privacy rights without discriminatory treatment, including denial of goods or services, different pricing, different quality of service, or retaliation

6. How to Exercise Your Privacy Rights

You may submit privacy rights requests by:

• Email: contact@cashhelm.com
• Clicking the “Do Not Sell or Share My Personal Information” link on our Website. We will respond to verified requests within 45 days. We may require additional time and will notify you of any extension. To protect your privacy, we will verify your identity before fulfilling requests. You may designate an authorized agent to submit requests on your behalf with proper written authorization.

Note the Limitations: Not all rights apply in all situations. We may decline requests where permitted or required by law, including when requests are repetitive, excessive, manifestly unfounded, technically infeasible, or would jeopardize security or legal obligations. For detailed information about your state-specific privacy rights, please see our state-specific privacy notices or contact us.

7. How to Opt-Out

7.1 Opting Out from the Sale or Sharing of Your Information

You have the right to opt out of the sale or sharing of your personal information. You may opt out at any time by:

• Clicking the “Do Not Sell or Share My Personal Information” link on our Website;
• Emailing contact@cashhelm.com with the subject line “Opt-Out Request”

We also honor browser-based Global Privacy Control (GPC) signals where required by law.
You can opt out of marketing communications at any time by clicking the unsubscribe link in our emails or contacting us directly. To process your request, we may ask for limited information necessary to identify your record, such as your email address or phone number. We will process opt-out requests as soon as reasonably practicable and no later than 15 business days after receipt.
Consequences of Opting Out
If you opt out, we will stop transferring (for compensation or otherwise) your personal information to participating partners on a going-forward basis. Because our function is to generate and transfer leads to participating partners, opting out means we will not be able to process your submission or transfer your information to such partners.

Opting out does not recall or delete personal information that was previously transferred to third parties. Companies that already received your information may continue to use it in accordance with their own privacy policies. To stop their communications or exercise your rights with them, you must contact those companies directly.

7.2. How to Stop Telemarketing Calls and Texts

Stopping calls and texts is separate from opting out of information sales.

To stop communications from a specific company, contact that company directly and request placement on its internal do-not-contact list.

To stop communications sent directly by us:

• Click the “Do Not Sell or Share My Personal Information” link on our Website; or
• Email us at contact@cashhelm.com with the subject line “Opt-Out Request.”

Opting out of sales prevents new companies from obtaining your information but does not stop companies that already have your information from contacting you. To fully stop communications, you must both opt out of future sales and contact existing callers directly.

Consequences of Opting Out

If you opt out, we will stop transferring (for compensation or otherwise) your personal information to participating partners on a going-forward basis. Because our function is to generate and transfer leads to participating partners, opting out means we will not be able to process your submission or transfer your information to such partners.

Opting out does not recall information already sold or require third parties to stop using information they previously received. You must contact those parties directly to exercise your rights with them.

8. Cookies and Tracking Technologies

Cookies re not just baked goods, they are also tracking technologies we use to enhance your experience on our Website, analyze usage patterns, and deliver personalized advertisements.

• Essential Cookies: required for website functionality, including session management, security features, and form submission.
• Analytics Cookies: help us understand how visitors interact with our Website (e.g., Google Analytics).
• Marketing Cookies: used to deliver personalized advertisements and track campaign effectiveness across websites and platforms (e.g., Google Ads, Meta Pixel, TikTok Pixel).
• Third-Party Tracking: we allow third-party advertising networks and analytics providers to place tracking technologies on our Website. These third parties may track your activity across multiple websites for targeted advertising purposes. Under California law, this constitutes "sharing" of personal information.

Your Choices with respect to these tracking technologies are:

• Opt-out of sale/sharing as provided in 7.1 above
• Global Privacy Control (GPC): We honor GPC browser signals as valid opt-out requests
• Browser settings: Most browsers allow you to refuse or delete cookies
• Industry opt-out tools: Visit NAI (networkadvertising.org/choices) or DAA (optout.aboutads.info) Note: Disabling essential cookies may impact Website functionality and prevent you from submitting loan requests.

9. Data Retention & Destruction

We keep personal information only as long as needed to operate our lead generation business, comply with legal obligations, prevent fraud, resolve disputes, and enforce our agreements. Retention periods depend on the type of information and the purpose for which it was collected. For example, we retain lead submission and transaction records to maintain audit and compliance documentation; contact information to support follow-up, fraud prevention, and customer inquiries; and analytics data to improve website performance. Highly sensitive identifiers, such as Social Security and bank account information, are retained only as long as necessary to complete lead processing and are then securely deleted, redacted, or tokenized. When personal information is no longer needed for these purposes, we securely delete or de-identify it.

10. Security Measures

We implement administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, alteration, and destruction. These safeguards include, among other measures:

• encryption of personal information in transit and, where appropriate, at rest;
• access controls that restrict personal information to authorized personnel with a legitimate business need;
• multi-factor authentication and logging for sensitive system access;
• network and application security protections, including vulnerability management and security testing;
• data minimization, retention, and secure disposal practices; and
• due diligence and contractual safeguards for service providers that process personal information on our behalf.

Note that no method of transmission over the Internet or electronic storage is completely secure, and we cannot guarantee absolute security.

11. Children’s Privacy

Age Restriction: our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18 years of age. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we can take appropriate action.

12. Governance and Accountability

We maintain internal policies and procedures designed to support privacy compliance. We periodically review and update our privacy practices in response to legal, operational, and regulatory developments. You may contact us with privacy concerns using the information below.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will revise the “Last Updated” date and post changes on the Website. Continued use of the Website constitutes acceptance of the revised policy.

14. Contact Information

Please do not hesitate to reach out for privacy questions or requests at contact@cashhelm.com.